Points: 0 of 3 individual is 43 years old. At the end of each month, he deposits $260 in a retirement account that erest compounded monthly. After 12 years, what is the value of the account? If no further deposits or withdrawals are made to the account, what is the value of the account whe ches age 65? For the first 12 years, the individual's deposits form an of each period. Therefore, the formula account because the deposits are F should be used to behave as an annuity a uld be used. ordinary annuity annuity due