EXHIBIT A3.8 Present Value of a Single Amount PV= (1+1) n/ 1% 2% 3% 4% 5% 6% 7% 8% 9% 10% 1 0.99010 0.98039 0.97087 0.96154 2 0.98030 0.96117 0.94260 0.92456 3 0.97059 0.94232 0.91514 0.88900 4 0.96098 0.92385 0.88849 0.85480 5 0.95147 0.90573 0.86261 0.82193 6 0.94205 0.88797 0.83748 0.79031 0.74622 7 0.93272 0.87056 0.81309 0.75992 0.71068 8 0.92348 0.85349 0.78941 0.73069 0.67684 9 0.91434 0.83676 0.76642 0.70259 10 0.90529 11 0.89632 0.82035 0.74409 0.00426 0.72242 12 0.88745 0.78849 0.70138 0.44401 13 0.87866 0.77303 0.68095 0.41496 0.71299 0.68058 0.64993 0.66634 0.63017 0.59627 0.56447 0.66506 0.62275 0.58349 0.54703 0.51316 0.62741 0.58201 0.54027 0.50187 0.46651 0.64461 0.59190 0.54393 0.50025 0.46043 0.67556 0.61391 0.55839 0.50835 0.46319 0.42241 0.64958 0.58468 0.52679 0.47509 0.52460 0.55684 0.49697 0.60057 0.53032 0.46884 0.95238 0.94340 0.93458 0.91743 0.90909 0.90703 0.89000 0.87344 0.85734 0.84168 0.82645 0.86384 0.83962 0.81630 0.79383 0.77218 0.75131 0.82270 0.79209 0.76290 0.73503 0.70843 0.68301 0.78353 0.74726 0.70496 0.92593 0.62092 0.42410 0.38554 0.42888 0.38753 0.35049 0.39711 0.35553 0.31863 0.36770 0.32618 0.28966 14 0.86996 0.75788 0.66112 0.57748 0.50507 0.44230 0.38782 0.34046 0.29925 0.26333 15 0.86135 0.74301 0.64186 0.55526 0.48102 0.41727 0.36245 0.31524 0.27454 0.23939 16 0.85282 0.72845 0.62317 0.53391 0.45811 0.39365 0,33873 0.29189 0.25187 17 0.84438 0.21763 0.71416 0.60502 0.51337 0.43630 0.37136 0.31657 0.27027 0.23107 18 0.83602 0.70016 0.19784 0.58739 0.49363 0.41552 0.35034 0.29586 0.25025 19 0.82774 0.21199 0.68643 0.17986 0.57029 0.47464 0.39573 0.27651 20 0.81954 0.67297 0.55368 0.45639 0.33051 0.37689 0.31180 0.25842 0.21455 0.17843 0.14864 0.23171 0.19449 0.16351