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d.) Time of an Annuity 5. Find the future value of an ordinary annuity with a regular payment of P1,000 AT 5% interest rate compounded quarterly for 3 years. a.) P12,806.63 b.) P12,860.36 c.) P12,850.63 d.) P12,806.36 6. Find the present value of an ordinary annuity with regular quarterly payments worth P1,000 at 3% annual interest rate compounded quarterly at the end of 4 years. a.) P15,204.31 b.) P15,02431 C.) P15,402.31 d.) P15,420.31 7 It is a term that refers to payments received (cash inflow)