kindly help me answer these 2 questions. Thank you.

3. Your bank offers 4% annual return on a savings account. If you invest $5,000 today in this account, how much money will you have at the end of five (5) years if interest is compounded quarterly? (6 pts) 4. You have just won a lottery! You will receive $50,000 a year for the next 20 years. If your required rate of return (or discount rate) is 12%, what is the present value of your winning ticket? (4 pts)