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Charter Bank pays a 6.90% nominal rate on deposits, with monthly compounding. What effective annual rate (EFF\%) does the bank pay? a. 5.48% b. 7.12% c. 8.83% d. 7.69% e. 8.26% What is the present value of the following cash flow stream at a rate of 10.5% ? a. $10,615 b. $9,721 c. $10,168 d. $11,174 e. $12,850 How much would $5,000 due in 35 years be worth today if the discount rate were 5.5% ? a. $767.60 b. $637.11 c. $752.25 d. $790.63 e. $575.70