Jenny Lopez estimates that as a result of completing her master's degree, she will earn an additional $5,000 a year for the next 30 rears. What would be the total amount of these additional earnings? b. What would be the future value of these additional earnings based on an annual interest rate of 9 percent? (Exhibit 1-A. Exhibit 1-B Exhibit 1-C, Exhibit 1-D) Note: Use appropriate factor(s) from the tables provided. Complete this question by entering your answers in the tabs below. What would be the future value of these additional earnings based on an annual interest rate of 9 percent? Use Exhibit 1-B. Note: Round time value factor to 3 decimal places and final answer to the nearest whole number. Whibit 1-D Present Value of \$1 Received at the End of Each Period for a Given Number of Time Periods (an Annuity) \begin{tabular}{|c|c|c|c|c|c|c|c|c|c|c|c|c|} \hline Period & 18 & 21 & 31 & 41 & 51 & 61 & 71 & 81 & 91 & 101 & 111 & 121 \\ \hline 1 & 0.990 & 0.980 & 0.971 & 0.962 & 0.952 & 0.943 & 0.935 & 0.926 & 0.917 & 0.909 & 0.901 & 0.893 \\ \hline 2 & 1.970 & 1.942 & 1.913 & 1.886 & 1.859 & 1.833 & 1.808 & 1.783 & 1.759 & 1.736 & 1.713 & 1.690 \\ \hline 3 & 2.941 & 2.884 & 2.829 & 2.775 & 2,723 & 2.673 & 2.624 & 2.577 & 2.531 & 2.487 & 2.444 & 2.402 \\ \hline 4 & 3+902 & 3.808 & 3.717 & 3.630 & 3.546 & 3.465 & 3.387 & 3.312 & 3.240 & 3.170 & 3.102 & 3.037 \\ \hline 5 & 4.853 & 4.713 & 4.580 & 4.452 & 4.329 & 4.212 & 4.100 & 3.993 & 3.890 & 3.791 & 3.696 & 3.605 \\ \hline 6 & 5.795 & 5.601 & 5.417 & 5.242 & 5.076 & 4.917 & 4.767 & 4.623 & 4.486 & 4.355 & 4.231 & 4.111 \\ \hline 7 & 6.728 & 6.472 & 6.230 & 6.002 & 5.786 & 5.582 & 5.389 & 5.206 & 5.033 & 4.858 & 4.712 & 4.564 \\ \hline 8 & 7.652 & 7.325 & 7.020 & 6.733 & 6.463 & 6.210 & 5.971 & 5.747 & 5.535 & 5.335 & 5.146 & 4.968 \\ \hline 9 & 3.566 & 8.162 & 7.786 & 7.435 & 7.108 & 6.802 & 6.515 & 6.247 & 5.995 & 5.759 & 5.537 & 5.328 \\ \hline 10 & 9.471 & 8.983 & 8.530 & 8.711 & 7.722 & 7.360 & 7.024 & 6.710 & 6.418 & 6.145 & 5.889 & 5.650 \\ \hline 11 & 10.368 & 9.787 & 9.253 & 8.760 & 8.306 & 7.887 & 7.499 & 7.139 & 6.805 & 6.495 & 6.207 & 5.938 \\ \hline 12 & 11.255 & 10.575 & 9.954 & 9.385 & 8.863 & 8,384 & 7.943 & 7.536 & 7.161 & 6.814 & 6.492 & 6.194 \\ \hline 13 & 12.134 & 11.348 & 10.635 & 9.986 & 9.394 & 8.853 & 8.358 & 7.904 & 7.487 & 7.103 & 6.750 & 6.424 \\ \hline 14 & 13.004 & 12.106 & 11.296 & 10.563 & 9.899 & 9.295 & 8.745 & 8.244 & 7.786 & 7.367 & 6.982 & 6.628 \\ \hline 15 & 13.865 & 12.849 & 11.938 & 11.118 & 10.380 & 9.712 & 9.108 & 8.559 & 8.061 & 7.606 & 7.191 & 6.811 \\ \hline 16 & 14.718 & 13.578 & 12.561 & 11.652 & 10.838 & 10.106 & 9.447 & 8.851 & 8.313 & 7.824 & 7.379 & 6.974 \\ \hline 17 & 15.562 & 14.292 & 13.166 & 12.166 & 11.274 & 10.477 & 9.763 & 9.122 & 8.544 & 8.022 & 7.549 & 7.120 \\ \hline 18 & 16.398 & 14.992 & 13.754 & 12.659 & 11.690 & 10.828 & 10.059 & 9.372 & 8.756 & 8.201 & 7.702 & 7.250 \\ \hline 19 & 17.226 & 15.678 & 14.324 & 13.134 & 12.085 & 11.158 & 10.336 & 9.604 & 8.950 & 8.365 & 7.839 & 7.366 \\ \hline 20 & 18.046 & 16.351 & 14.877 & 13.590 & 12.462 & 11.470 & 10.594 & 9.818 & 9.129 & 8.514 & 7.963 & 7.469 \\ \hline 25 & 22.023 & 19.523 & 17.413 & 15.622 & 14.094 & 12.783 & 11,654 & 10.675 & 9.823 & 9.077 & 8.422 & 7.843 \\ \hline 30 & 25.808 & 22.396 & 19.600 & 17.292 & 15.372 & 13.765 & 12.409 & 11.258 & 10.274 & 9.427 & 8.694 & 8.055 \\ \hline 40 & 32.835 & 27.355 & 23.115 & 19.793 & 17.159 & 15.046 & 13.332 & 11.925 & 10.757 & 9.779 & 8.951 & 8.244 \\ \hline 50 & 39.196 & 31.424 & 25.730 & 21.482 & 18.256 & 15.762 & 13.801 & 12.233 & 10.962 & 9.915 & 9.042 & 8.304 \\ \hline \end{tabular} \begin{tabular}{|c|c|c|c|c|c|c|c|c|c|c|c|c|c|} \hline Period & 131 & 141 & 151 & 161 & 171 & 181 & 191 & 201 & 251 & 301 & 351 & 401 & 501 \\ \hline 1 & 0.885 & 0.877 & 0.870 & 0.862 & 0.855 & 0.847 & 0.840 & 0.833 & 0.800 & 0.769 & 0.741 & 0.714 & 0.667 \\ \hline 2 & 1.668 & 1.647 & 1.626 & 1.605 & 1.585 & 1.566 & 1+547 & 1.528 & 1.440 & 1,361 & 1.289 & 1.224 & 1.111 \\ \hline 3 & 2.361 & 2.322 & 2.283 & 2.246 & 2.210 & 2.174 & 2.140 & 2.106 & 1.952 & 1.816 & 1.696 & 1.589 & 1.407 \\ \hline 4 & 2.974 & 2.914 & 2.855 & 2.798 & 2.743 & 2.690 & 2.539 & 2.589 & 2.362 & 2.166 & 1.997 & 1.849 & 1.605 \\ \hline 5 & 3.517 & 3.433 & 3.352 & 3.274 & 3.199 & 3.127 & 3.058 & 2.991 & 2.689 & 2.436 & 2.220 & 2.035 & 1.737 \\ \hline 6 & 3.998 & 3.889 & 3.784 & 3.685 & 3.589 & 3.498 & 3.410 & 3.326 & 2.951 & 2.643 & 2.385 & 2.168 & 1.824 \\ \hline 7 & 4.423 & 4.288 & 4.160 & 4.039 & 3.922 & 3.812 & 3.706 & 3.605 & 3.161 & 2.802 & 2.508 & 2.263 & 1.883 \\ \hline 8 & 4.799 & 4.639 & 4.487 & 4.364 & 4.207 & 4.078 & 3.954 & 3.837 & 3.329 & 2.925 & 2.598 & 2.331 & 1.922 \\ \hline 9 & 5.132 & 4.946 & 4.772 & 4.607 & 4.451 & 4.303 & 4.163 & 4.031 & 3.463 & 3.019 & 2.665 & 2.379 & 1.948 \\ \hline 10 & 5.426 & 5.216 & 5.019 & 4.833 & 4.659 & 4.494 & 4.339 & 4.192 & 3.571 & 3.092 & 2.715 & 2.414 & 1.965 \\ \hline 11 & 5.687 & 5.453 & 5.234 & 5.029 & 4.836 & 4.656 & 4.486 & 4.327 & 3.656 & 3.147 & 2.752 & 2.438 & 1.977 \\ \hline 12 & 5.918 & 5.660 & 5.421 & 5.197 & 4.988 & 4.793 & 4.611 & 4.439 & 3.725 & 3.190 & 2.779 & 2.456 & 1.985 \\ \hline 13 & 6.122 & 5.842 & 5.583 & 5.342 & 5.118 & 4.910 & 4.715 & 4.533 & 3.780 & 3.223 & 2.799 & 2.469 & 2.990 \\ \hline 14 & 6.302 & 6.002 & 5.724 & 5.468 & 5.229 & 5.008 & 4.802 & 4.611 & 3.824 & 3.249 & 2.814 & 2.478 & 1.993 \\ \hline 15 & 6.462 & 6.142 & 5.847 & 5.575 & 5.324 & 5.092 & 4.876 & 4.675 & 3.859 & 3.268 & 2.825 & 2.484 & 1.995 \\ \hline 16 & 6.606 & 6.265 & 5.954 & 5.668 & 5.405 & 5.162 & 4.938 & 4.730 & 3.887 & 3.283 & 2.834 & 2.489 & 1.997 \\ \hline 17 & 6.729 & 6.373 & 6.047 & 5.749 & 5.475 & 5.222 & 4.990 & 4.775 & 3.910 & 3.295 & 2.840 & 2.492 & 1.998 \\ \hline 18 & 6.840 & 6.467 & 6.128 & 5.818 & 5.534 & 5.273 & 5.033 & 4.812 & 3.928 & 3.304 & 2.844 & 2.494 & 1.999 \\ \hline 19 & 6.938 & 6.550 & 6.198 & 5.877 & 5.584 & 5.316 & 5.070 & 4.843 & 3.942 & 3.311 & 2.848 & 2.496 & 1.999 \\ \hline 20 & 7.025 & 6.623 & 6.259 & 5.929 & 5.628 & 5.353 & 5.101 & 4.870 & 3.954 & 3.316 & 2.850 & 2.497 & 1.999 \\ \hline 25 & 7.330 & 6.873 & 6.464 & 6.097 & 5.766 & 5,467 & 5.195 & 4.948 & 3.985 & 3.329 & 2.856 & 2.499 & 2.000 \\ \hline 30 & 7.496 & 7.003 & 6.566 & 6.177 & 5.829 & 5.517 & 5.235 & 4.979 & 3.995 & 3.332 & 2.857 & 2.500 & 2.000 \\ \hline 40 & 7.634 & 7.105 & 6.642 & 6.233 & 5.871 & 5.548 & 5.258 & 4.997 & 3.999 & 3.333 & 2.857 & 2.500 & 2.000 \\ \hline 50 & 7.675 & 7.133 & 6.661 & 6.246 & 5.880 & 5.554 & 5.262 & 4.999 & 4.000 & 3.333 & 2.857 & 2.500 & =2.000 \\ \hline \end{tabular} Jenny Lopez estimates that as a result of completing her master's degree, she will earn an additional $5,000 a year for the next 30 years. a. What would be the total amount of these additional earnings? b. What would be the future value of these additional earnings based on an annual interest rate of 9 percent? (Exhibit 1-A. Exhibit 1-B, Exhibit 1-C. Exhibit 1-D) Note: Use appropriate factor(s) from the tables provided. Complete this question by entering your answers in the tabs below. What would be the total amount of these additional earnings? Exhibit 1-B Futare Value (Compounded Sum) of S1 Paid In at the End of Each Period for a Given Number of Time Periods (an Annuity) \begin{tabular}{|c|c|c|c|c|c|c|c|c|c|c|c|} \hline Period & 11 & 21 & 31 & 41 & 51 & 61 & 71 & 81 & 91 & 101 & 111 \\ \hline 1 & 1,000 & 1.000 & 1.000 & 1.000 & 1.000 & 1.000 & 1.000 & 1.000 & 1.000 & 1.000 & 1.000 \\ \hline 2 & 2.010 & 2.020 & 2.030 & 2.040 & 2.050 & 2.060 & 2.070 & 2.080 & 2.090 & 2.100 & 2.110 \\ \hline 3 & 3.030 & 3.060 & 3.091 & 3.122 & 3.153 & 3.184 & 3.215 & 3.246 & 3.271 & 3.310 & 3.342 \\ \hline 4 & 4.060 & 4.122 & 4.184 & 4.246 & 4.310 & 4.375 & 4.440 & 4.506 & 4.573 & 4.641 & 4.710 \\ \hline58 & 5.101 & 5.204 & 5.309 & 5,416 & 5.526 & 5.637 & 5.751 & 5.867 & 5.915 & 6.105 & 6.228 \\ \hline 6 & 6.152 & 6.308 & 6.460 & 5.633 & 6.002 & 6.975 & 2.153 & 7.336 & 3.523 & 1.716 & 7.913 \\ \hline 3 & 7.214 & 7,434 & 7.662 & & 8.142 & 8.394 & 8.654 & 0.223 & 9.200 & 9.4a7 & 9.783 \\ \hline 8 & 8.286 & 8.583 & 0.092 & 9.214 & 9.549 & 9.097 & 10.260 & 10.637 & 11.020 & 11.436 & 11.859 \\ \hline 5 & 9.369 & 9.755 & 10.159 & 10.583 & 11.022 & 11.491 & 11.978 & 12.488 & 13.021 & 13.579 & 14+164 \\ \hline 10 & 10.462 & 10.950 & 11.454 & 12.006 & 12.578 & 13.181 & 13.016 & 14.487 & 15.193 & {[5.937} & 16.722 \\ \hline 11 & 11.567 & 12.169 & 12.0108 & 13.486 & 14.207 & 14.972 & 15.784 & 16.645 & 17.560 & 11.531 & 19.561 \\ \hline 12 & 12.613 & 13.412 & 14.172 & 15.026 & 15.917 & 16.070 & 17.988 & 16.977 & 20.141 & 21.384 & 22.713 \\ \hline 13 & 13,009 & 14.600 & 15,618 & 16.627 & 17,713 & 11..112 & 20.141 & 21.495 & 22.953 & 24.523 & 26.212 \\ \hline 14 & 14.947 & 15.974 & 17,016 & 10.292 & 19.599 & 21.013 & 22.550 & 24.215 & 26,019 & 27,975 & 30.095 \\ \hline 15 & 16.097 & 17.293 & 11.599 & 20.024 & 21.579 & 23.276 & 25.129 & 27,152 & 29.361 & 31.772 & 34.405 \\ \hline 16 & 17.254 & 18.639 & 20+157 & 21.625 & 23.657 & 25.673 & 27.088 & 30.324 & 33.003 & 35.950 & 39.190 \\ \hline 17 & 18.430 & 29.012 & 21,762 & 23.69 & 25.840 & 20.213 & 30.840 & 33.750 & 36.974 & 40.545 & 44.501 \\ \hline 10 & 19.615 & 21,412 & 23.416 & 25.645 & 21.132 & 30.906 & 31.993 & 37.450 & 41.301 & 45.599 & 50.396 \\ \hline 19 & 20,011 & 22.841 & 25,117 & 27.671 & 30.539 & 33.760 & 37.379 & 41.446 & 46.018 & 51.159 & 56,939 \\ \hline 20 & 22.019 & 24.297 & 26.870 & 29,778 & 33.066 & 36,786 & 40.995 & 45,762 & 51.160 & 57.275 & 64.203 \\ \hline 25 & 28.243 & 32.030 & 36.459 & 41.646 & 07.727 & 54.865 & 63.249 & 72.106 & 94.701 & 98.347 & 114.413 \\ \hline 30 & 34.785 & 40.568 & 47+575 & 56.085 & 66.439 & 19.058 & 94.461 & 113.283 & 136.309 & 164.494 & 199.021 \\ \hline 40 & & 60.402 & 75.401 & 95.026 & 120.800 & 154+762 & 199.635 & 259,057 & 337.882 & 442.593 & 531.826 \\ \hline 50 & 54.463 & 84.573 & 112.797 & 152.667 & 209.340 & 290.336 & 406.529 & 573.770 & 015.004 & 1,163,909 & 1,668.771 \\ \hline \end{tabular} \begin{tabular}{|c|c|c|c|c|c|c|c|c|c|c|c|} \hline Period & 121 & 131 & 141 & 151 & 161 & 171 & 121 & 191 & 201 & 251 & 301 \\ \hline 1 & 1.060 & 1.000 & 1.000 & 1.000 & 1.000 & 1.000 & 1.000 & 1.000 & 1.000 & 1.000 & 1.000 \\ \hline 2 & 2.120 & 2.130 & 2.140 & 2+150 & 2.160 & 2.170 & 2.1100 & 2.190 & 2.200 & 2.250 & 2.300 \\ \hline 3 & 3.374 & 3,407 & 3.440 & 3.473 & 3.506 & 3.539 & 3.572 & 3.606 & 3.640 & 3.813 & 3.990 \\ \hline 4 & 4.779 & 4.850 & 4.921 & 4.993 & 5.066 & 5.141 & 5.215 & 5.231 & 5.368 & 5.766 & 6.187 \\ \hline 3 & 6.353 & 6.410 & 6.610 & 6.742 & 6.677 & 7.014 & 7.154 & 3.297 & 7.442 & 8.207 & 9.043 \\ \hline 6 & 0.115 & 0.323 & 0.536 & 8.754 & 8.977 & 9.207 & 9.442 & 9.683 & 9.930 & 11.259 & 12.756 \\ \hline 3 & 10.089 & 10.405 & 10.730 & 11.067 & 11.414 & 11.772 & 12.142 & 12.523 & 12.916 & 15.073 & 17.583 \\ \hlinei & 12.300 & 12.757 & 13.233 & 13.727 & 14.240 & 14.773 & 15.327 & 15.902 & 16.499 & 19.842 & 23.858 \\ \hline 2 & 14.776 & 15.416 & 16.085 & 16.706 & 17.519 & 10.285 & 19.086 & 19.923 & 20.799 & 25.802 & 32.015 \\ \hline 10 & 17.549 & 10.420 & 19.137 & 20.304 & 21.321 & 22.393 & 23.521 & 24.709 & 25.959 & 33.253 & 42.619 \\ \hline 11 & 20.655 & 21.814 & 23.045 & 24,369 & 25.733 & 27.200 & 28.755 & 30.404 & 32.150 & 42.566 & 56.405 \\ \hline 12 & 24.133 & 25.650 & 27.271 & 29.002 & 30.350 & 32.024 & 34.931 & 37.100 & 39.581 & 54,206 & 74.327 \\ \hline 13 & 21.029 & 29.295 & 32.089 & 34.352 & 36.716 & 39.406 & 42.219 & 45.244 & 48,497 & 60.760 & 97.625 \\ \hline 14 & 22.393 & 34.(83) & 37.511 & 40.505 & 43.672 & 47.103 & 30.911 & 54.841 & 59.196 & 86.249 & 127.913 \\ \hline 15 & 37.2100 & 40.417 & 43.342 & 47,580 & 51.660 & 36.110 & 60.965 & 66.261 & 72.035 & 109.687 & 167+286 \\ \hline 16 & 42.753 & 45.672 & 50.910 & 55.717 & 60.925 & 66.649 & 72.939 & 79.050 & 87.442 & 139.109 & 218.472 \\ \hline 17 & 41,184 & 53.739 & 59.111 & 65.075 & 71.673 & 70.973 & 07.069 & 96.022 & 105,931 & 173.636 & 285.014 \\ \hline 11. & 55.750 & 61.725 & 68.394 & 75.836 & 84.141 & 93.406 & 103.740 & 115.266 & 120.117 & 218.045 & 371.518 \\ \hline 19 & 6.440 & 70.769 & 70.269 & 11.212 & 92,603 & 110.285 & 123.414 & 138,166 & 154.740 & 273.556 & 483.973 \\ \hline 20 & 72.052 & 80.947 & 91.025 & 102.444 & 115.390 & 130.031 & 146.628 & 165.418 & 106.628 & 342.945 & 630.165 \\ \hline 25 & 133.314 & 155.620 & 101.071 & 212.793 & 249.214 & 292.105 & 342.403 & 402.042 & 471.981 & 1,054.791 & 2,348,003 \\ \hline 30 & 241.313 & 293.193 & 356.717 & 434,745 & 530,312 & 647.439 & 790.543 & 966.712 & 1,181,812 & 3.227 .174 & 8,727.905 \\ \hline 40 & 767.091 & 1,013.704 & 1,342.025 & 1,779.590 & 2,360.757 & 3,134,522 & 4,163.213 & 5,529.829 & 7,343.858 & 30,000.655 & 120,392,tan3 \\ \hline 50 & 2,460,018 & 3,459.507 & 4,994.521 & 3,217,716 & 10,435.649 & 15,009,502 & 21,013.094 & 31,515,340 & 45,497.191 & 280,255.693 & 1,659,760.743 \\ \hline \end{tabular} Exhibit 1-C Present Value of \$1 to Be Received at the End of a Given Number of Time Periods \begin{tabular}{|c|c|c|c|c|c|c|c|c|c|c|c|c|} \hline Period & 11 & 21 & 31 & 41 & 51 & 61 & 78 & 81 & 9t & 101 & 111 & 121 \\ \hline 1 & 0.990 & 0.980 & 0.971 & 0.962 & 0.952 & 0.943 & 0.935 & 0.926 & 0.917 & 0.909 & 0.901 & 0.893 \\ \hline 2 & 0.980 & 0.961 & 0.943 & 0.925 & 0.907 & 0.890 & 0.873 & 0.857 & 0.842 & 0.826 & 0.812 & 0.797 \\ \hline 3 & 0.971 & 0.942 & 0.915 & 0.889 & 0.864 & 0.840 & 0.816 & 0.794 & 0.772 & 0.751 & 0.731 & 0.712 \\ \hline 4 & 0.961 & 0.924 & 0.888 & 0.855 & 0.823 & 0.792 & 0.763 & 0.735 & 0.708 & 0.683 & 0.659 & 0.636 \\ \hline 5 & 0,951 & 0.906 & 0.863 & 0.822 & 0.784 & 0.747 & 0.713 & 0.681 & 0.650 & 0.621 & 0.593 & 0.567 \\ \hline 6 & 0,942 & 0.88B & 0.837 & 0.790 & 0.746 & 0.705 & 0.666 & 0.630 & 0.596 & 0.564 & 0.535 & 0.507 \\ \hline 7 & 0.933 & 0.871 & 0.813 & 0.760 & 0,711 & 0.665 & 0.623 & 0.583 & 0.547 & 0.513 & 0.482 & 0.452 \\ \hline 8 & 0.923 & 0.853 & 0.789 & 0.731 & 0.677 & 0.627 & 0.582 & 0.540 & 0.502 & 0.467 & 0.434 & 0.404 \\ \hline 9 & 0.914 & 0.837 & 0.766 & 0.703 & 0.645 & 0.592 & 0.544 & 0.500 & 0.460 & 0.424 & 0.391 & 0.361 \\ \hline 10 & 0.905 & 0.820 & 0.794 & 0.676 & 0.614 & 0.558 & 0.508 & 0.463 & 0.422 & 0.386 & 0.352 & 0.322 \\ \hline 11 & 0.896 & 0.804 & 0.722 & 0.650 & 0.585 & 0.527 & 0.475 & 0.429 & 0.388 & 0.350 & 0.317 & 0.287 \\ \hline 12 & 0.887 & 0.788 & 0.701 & 0.625 & 0.557 & 0.497 & 0.444 & 0.397 & 0.356 & 0.319 & 0.286 & 0.257 \\ \hline 13 & 0.879 & 0.773 & 0.681 & 0.601 & 0.530 & 0.469 & 0.415 & 0.368 & 0.326 & 0.290 & 0.258 & 0.229 \\ \hline 14 & 0.870 & 0.758 & 0.661 & 0.577 & 0.505 & 0.442 & 0.388 & 0.340 & 0.299 & 0.263 & 0.232 & 0.205 \\ \hline 15 & 0.861 & 0.743 & 0.642 & 0.555 & 0.481 & 0.417 & 0.362 & 0.315 & 0.275 & 0.239 & 0.209 & 0.183 \\ \hline 16 & 0.853 & 0.728 & 0.623 & 0.534 & 0.458 & 0.394 & 0.339 & 0.292 & 0.252 & 0.218 & 0.188 & 0.163 \\ \hline 17 & 0.844 & 0.714 & 0.605 & 0.513 & 0.436 & 0.371 & 0.317 & 0.270 & 0.231 & 0.198 & 0.170 & 0.146 \\ \hline 18 & 0.836 & 0.700 & 0.587 & 0.494 & 0.416 & 0.350 & 0.296 & 0.250 & 0.212 & 0.180 & 0.153 & 0.130 \\ \hline 19 & 0.828 & 0.686 & 0.570 & 0.475 & 0.396 & 0.331 & 0.277 & 0.232 & 0.194 & 0.164 & 0.138 & 0.116 \\ \hline 20 & 0.820 & 0.673 & 0.554 & 0.456 & 0.377 & 0,312 & 0.258 & 0.215 & 0.178 & 0.149 & 0.124 & 0.104 \\ \hline 25 & 0.780 & 0.610 & 0.478 & 0.375 & 0.295 & 0.233 & 0.184 & 0.146 & 0.116 & 0.092 & 0.074 & 0.059 \\ \hline 30 & 0.742 & 0.552 & 0.412 & 0.308 & 0.231 & 0.174 & 0.131 & 0.099 & 0.075 & 0.057 & 0.044 & 0.033 \\ \hline 40 & 0.672 & 0.453 & 0.307 & 0.208 & 0.142 & 0.097 & 0.067 & 0.046 & 0.032 & 0.022 & 0.015 & 0.011 \\ \hline 50 & 0.608 & 0.372 & 0.220 & 0.141 & 0.087 & 0.054 & 0.034 & 0.021 & 0.013 & 0.009 & 0.005 & 0.003 \\ \hline \end{tabular} \begin{tabular}{|c|c|c|c|c|c|c|c|c|c|c|c|c|c|} \hline Period & 131 & 141 & 151 & 161 & 171 & 181 & 191 & 201 & 251 & 301 & 351 & 401 & 501 \\ \hline 1 & 0.885 & 0.877 & 0.870 & 0.862 & 0.055 & 0.847 & 0.840 & 0.833 & 0.800 & 0.769 & 0.741 & 0.714 & 0.667 \\ \hline 2 & 0.783 & 0.769 & 0.756 & 0.743 & 0.731 & 0.718 & 0.706 & 0.694 & 0.640 & 0.592 & 0.549 & 0.510 & 0.444 \\ \hline 3 & 0.693 & 0.675 & 0.658 & 0.641 & 0.624 & 0.609 & 0.593 & 0.579 & 0.512 & 0.455 & 0.406 & 0.364 & 0.296 \\ \hline 4 & 0.613 & 0.592 & 0.572 & 0.552 & 0.534 & 0.516 & 0.499 & 0.402 & 0.410 & 0.350 & 0.301 & 0.260 & 0.198 \\ \hline 5 & 0.543 & 0.519 & 0.497 & 0.476 & 0.456 & 0.437 & 0.419 & 0.402 & 0.328 & 0.269 & 0.223 & 0.186 & 0.132 \\ \hline 6 & 0.410 & 0.456 & 0.432 & 0.410 & 0.390 & 0.370 & 0,352 & 0.335 & 0.262 & 0.207 & 0.165 & 0.133 & 0.088 \\ \hline 7 & 0.425 & 0.400 & 0.376 & 0.354 & 0.333 & 0.314 & 0.296 & 0.279 & 0.210 & 0.159 & 0.122 & 0.095 & 0.059 \\ \hline 8 & 0.376 & 0,351 & 0.327 & 0.305 & 0.205 & 0.266 & 0.249 & 0.233 & 0.168 & 0.123 & 0.091 & 0.068 & 0.039 \\ \hline 9 & 0.333 & 0.301 & 0.2184 & 0.263 & 0.243 & 0.225 & 0.209 & 0.194 & 0.134 & 0.094 & 0.067 & 0.048 & 0.026 \\ \hline 10 & 0.295 & 0.270 & 0.247 & 0.227 & 0.200 & 0.191 & 0.176 & 0.162 & 0.107 & 0.073 & 0.050 & 0.035 & 0.017 \\ \hline 11 & 0.261 & 0.237 & 0.215 & 0.195 & 0.178 & 0.162 & 0.148 & 0.135 & 0.086 & 0.056 & 0.037 & 0.025 & 0.012 \\ \hline 12 & 0.231 & 0.208 & 0.187 & 0.168 & 0.152 & 0.137 & 0.124 & 0.112 & 0.069 & 0.043 & 0.027 & 0.018 & 0.008 \\ \hline 13 & 0.204 & 0.112 & 0.163 & 0.145 & 0.130 & 0.116 & 0.104 & 0.093 & 0.055 & 0.033 & 0.020 & 0.013 & 0.005 \\ \hline 14 & 0.181 & 0.160 & 0.141 & 0.125 & 0.111 & 0.099 & 0.088 & 0.078 & 0.044 & 0.025 & 0.015 & 0.009 & 0.003 \\ \hline 15 & 0.160 & 0.140 & 0.123 & 0.108 & 0.095 & 0.084 & 0.074 & 0.065 & 0.035 & 0.020 & 0.011 & 0.006 & 0.002 \\ \hline 16 & 0.141 & 0.123 & 0.107 & 0.093 & 0.081 & 0.071 & 0.062 & 0.054 & 0.028 & 0.015 & 0.008 & 0.005 & 0.002 \\ \hline 17 & 0.125 & 0.108 & 0.093 & 0.080 & 0,069 & 0.060 & 0.052 & 0.045 & 0.023 & 0.012 & 0.006 & 0.003 & 0.001 \\ \hline 18 & 0.111 & 0.095 & 0.081 & 0.069 & 0.059 & 0.051 & 0.044 & 0.038 & 0.018 & 0.009 & 0.005 & 0.002 & 0.001 \\ \hline 19 & 0.098 & 0.083 & 0.070 & 0.060 & 0.051 & 0.043 & 0.037 & 0.031 & 0.014 & 0.007 & 0.003 & 0,002 & 0 \\ \hline 20 & 0.087 & 0.073 & 0.061 & 0.051 & 0.043 & 0.037 & 0.031 & 0.026 & 0.012 & 0.005 & 0.002 & 0.001 & 0 \\ \hline 25 & 0.067 & 0.038 & 0.030 & 0.024 & 0,020 & 0.016 & 0.013 & 0.010 & 0.004 & 0.001 & 0.001 & 0 & 0 \\ \hline 30 & 0.026 & 0.020 & 0.015 & 0.012 & 0.009 & 0.007 & 0.005 & 0.004 & 0.001 & 0 & 0 & 0 & 0 \\ \hline 40 & 0.008 & 0.005 & 0.006 & 0.003 & 0.002 & 0.001 & 0.001 & 0.001 & 0 & 0 & 0 & 0 & 0 \\ \hline 50 & 0.002 & 0.001 & 0.001 & 0.001 & 0 & 0 & 0 & 0 & 0 & 0 & 0 & 0 & 0 \\ \hline \end{tabular} Exhibit 1-A Future Value (Compounded Sum) of \$1 after a Given Number of Time Periods \begin{tabular}{|c|c|c|c|c|c|c|c|c|c|c|c|} \hline Period & 11 & 21 & 31 & 41 & 51 & 61 & 71 & 81 & 91 & 101 & 111 \\ \hline 1 & 1.010 & 1.020 & 1.030 & 1.040 & 1.050 & 1.060 & 1.070 & 1.080 & 1.090 & 1,100 & 1.110 \\ \hline 2 & 1.020 & 1.040 & 1.061 & 1.082 & 1.103 & 1.124 & 1.145 & 1.166 & 1.188 & 1.210 & 1.232 \\ \hline 3 & 1.030 & 1.061 & 1.093 & 1.125 & 1.158 & 1.191 & 1.225 & 1.260 & 1.295 & 1.331 & 1.368 \\ \hline 4 & 1.041 & 1.082 & 1.126 & 1.170 & 1.216 & 1.262 & 1.311 & 1.360 & 1.412 & 1.464 & 1.518 \\ \hline 5 & 1.051 & 1.104 & 1.159 & 1.217 & 1.276 & 1.338 & 1.403 & 1.469 & 1.539 & 1.611 & 1.685 \\ \hline 6 & 1.062 & 1.126 & 1.194 & 1.265 & 1.340 & 1.419 & 1.501 & 1.587 & 1.677 & 1.772 & 1.870 \\ \hline 7 & 1.072 & 1.149 & 1.230 & 1.316 & 1.407 & 1.504 & 1.606 & 1.714 & 1.820 & 1.949 & 2,076 \\ \hline 8 & 1.083 & 1.172 & 1.267 & 1.369 & 1.477 & 1.594 & 1.718 & 1.851 & 1.993 & 2.144 & 2.305 \\ \hline 9 & 1.094 & 1.195 & 1.305 & 1.423 & 1.551 & 1.689 & 1.838 & 1.999 & 2.172 & 2.358 & 2.558 \\ \hline 10 & 1.105 & 1.219 & 1.344 & 1.480 & 1.629 & 1.791 & 1.967 & 2.159 & 2.367 & 2.594 & 2.839 \\ \hline 11 & 1.116 & 1.243 & 2.384 & 1.539 & 1.710 & 1.898 & 2.105 & 2.332 & 2.580 & 2.853 & 3.152 \\ \hline 12 & 1.127 & 1.268 & 1.426 & 1.601 & 1.796 & 2,012 & 2.252 & 2.518 & 2.813 & 3.138 & 3.498 \\ \hline 13 & 1.138 & 1.294 & 1.469 & 1.665 & 1.885 & 2.133 & 2.410 & 2.720 & 3.066 & 3.452 & 3.893 \\ \hline 14 & 1.149 & 1.319 & 1.513 & 1.732 & 1.900 & 2.261 & 2.579 & 2.937 & 3.342 & 3.797 & 4.310 \\ \hline 15 & 1.161 & 1.346 & 1.558 & 1.801 & 2,079 & 2.397 & 2.759 & 3.172 & 3.642 & 4.177 & 4.785 \\ \hline 16 & 1.173 & 1.373 & 1.605 & 1.873 & 2.183 & 2.540 & 2.952 & 3.426 & 3.970 & 4.595 & 5.311 \\ \hline 17 & 1.184 & 1.400 & 1.653 & 1.948 & 2.292 & 2.693 & 3.159 & 3.700 & 4.328 & 5.054 & 5.895 \\ \hline 18 & 1.196 & 1.428 & 1.702 & 2.026 & 2,407 & 2.854 & 3.380 & 3,996 & 4.717 & 5.560 & 6.544 \\ \hline 19 & 1.200 & 1.457 & 1.754 & 2.107 & 2.527 & 1.026 & 3.617 & 4.316 & 5.142 & 6.116 & 7.263 \\ \hline 20 & 1.220 & 1.486 & 1.806 & 2.191 & 2.653 & 3,207 & 3.870 & 4.661 & 5.604 & 6.727 & 0.062 \\ \hline 25 & 1.282 & 1.641 & 2.094 & 2.666 & 3.386 & 4.292 & 5.427 & 6.948 & 8.623 & 10.835 & 13.585 \\ \hline 30 & 1,340 & 1.011 & 2.427 & 3.243 & 4.322 & 5.743 & 7.612 & 10.063 & 13.268 & 17.449 & 22.892 \\ \hline 40 & 1.489 & 2.200 & 3.262 & 4.801 & 7.040 & 10.286 & 14,974 & 21.725 & 31.409 & 45.259 & 65.001 \\ \hline 50 & 1.645 & 2.692 & 4.3184 & 7.107 & 11.467 & 18.420 & 29,457 & 46.902 & 74.358 & 117,391 & 184.565 \\ \hline \end{tabular} \begin{tabular}{|c|c|c|c|c|c|c|c|c|c|c|c|} \hline Feriod & 121 & 131 & 141 & 151 & 161 & 171 & 101 & 191 & 201 & 251 & 301 \\ \hline 1 & 1,120 & 1.130 & 1.140 & 1.150 & 1.160 & 1.170 & 1.180 & 1.290 & 1.200 & 1.250 & 1.300 \\ \hline 2 & 1.254 & 1.277 & 1.300 & 1,323 & 1.346 & 1.369 & 1,392 & 1.416 & 1.440 & 1.563 & 1.690 \\ \hline 3 & 1.405 & 1.443 & 1.402 & 1.521 & 1.561 & 1.602 & 1.643 & 1.605 & 1.720 & 1.953 & 2.197 \\ \hline 4 & 1.574 & 1.630 & 1.689 & 1.749 & 1.011 & 1.074 & 1.939 & 2.005 & 2.074 & 2.441 & 2.056 \\ \hline 5 & 1.762 & 1.042 & 1.925 & 2,011 & 2.100 & 2.192 & 2.2011 & 2.3186 & 2,481 & 3.052 & 3.713 \\ \hline 6 & 1.974 & 2.002 & 2.195 & 2.313 & 2.436 & 2.565 & 2.760 & 2.040 & 2.9116 & 3.025 & 4.027 \\ \hline? & 2.211 & 2.353 & 2.502 & 2.660 & 2.026 & 3.001 & 3.105 & 3.379 & 3.583 & 4.768 & 6.275 \\ \hline 1 & 2.476 & 2.650 & 2.053 & 3.059 & 3.278 & 3.511 & 3.759 & 4.021 & 4,300 & 5.960 & 8,157 \\ \hline 9 & 2.773 & 3.004 & 1.252 & 3.511 & 3.003 & 4.100 & 4,435 & 4.715 & 5.160 & 7.451 & 10,604 \\ \hline 10 & 3.106 & 3.395 & 3.707 & 4.046 & 4.411 & 4.007 & 5.234 & 5.693 & 6.192 & 9.313 & 13.706 \\ \hline 11 & 3.479 & 3.036 & 4.226 & 4.652 & 5.117 & 5.624 & 6.176 & 6.777 & 7.430 & 11.642 & 17.922 \\ \hline 12 & 3.096 & 4.335 & 4.011 & 5.350 & 5.936 & 6.580 & 7.200 & 0.064 & 0.916 & 14.552 & 23.298 \\ \hline 13 & 4.363 & 4.898 & 5.492 & 6.253 & 6.886 & 7.699 & 8.599 & 9.596 & 10.699 & 18.190 & 30.288 \\ \hline 16 & 4.8187 & 5.535 & 6.261 & 7.076 & 7.988 & 9.007 & 10,147 & 11.420 & 12,839 & 22.737 & 39.374 \\ \hline 15 & 5.474 & 6.254 & 7.138 & 0.137 & 9.266 & 10.539 & 11,974 & 13.590 & 15.407 & 28.422 & 51.106 \\ \hline 16 & 6.130 & 7.067 & 8.137 & 9.358 & 10.748 & 12.330 & 14.129 & 16.172 & 18.488 & 35.527 & 66,542 \\ \hline 17 & 6.8166 & 7.286 & 9.276 & 10.761 & 12.468 & 14.426 & 16.672 & 19.244 & 22.186 & 44.409 & 86.504 \\ \hline 11 & 7.690 & 9.024 & 10.575 & 12.375 & 24.463 & 16.879 & 19.673 & 22.901 & 26.623 & 55.511 & 112.455 \\ \hline 19 & 8.613 & 10,197 & 12.056 & 14.232 & 16.777 & 19.748 & 23.214 & 27.252 & 31.948 & 69.389 & 146.192 \\ \hline 20 & 9.646 & 11.523 & 13.743 & 16.367 & 19.461 & 23.106 & 27.393 & 32.429 & 30.338 & 86.736 & 190.050 \\ \hline 25 & 17.000 & 21.231 & 26,462 & 32+919 & 40.874 & 50.658 & 62.669 & 77,388 & 95.396 & 264.698 & 705,641 \\ \hline 30 & 29.960 & 39+116 & 50.950 & 66.212 & 85.850 & 111.065 & 143.371 & 184.675 & 237.376 & 807.794 & 2,619,996 \\ \hline 40 & 93.051 & 132,702 & 180.884 & 267.864 & 378.721 & 533.869 & 750.378 & 1,051,668 & 1,469.772 & 7,523.164 & 36,118,865 \\ \hline 50 & 289.002 & 450.736 & 700.233 & 1,083.657 & 1,670.704 & 2,566,215 & 3,927,357 & 5,989,914 & 9,100,438 & 70,064.923 & 497,929.223 \\ \hline \end{tabular}