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A 20-year annuity pays 150 every other year beginning at the end of the second year, with additional payments of 300 each at the ends of years 3, 9 and 15. The effective annual interest rate is 4%. Calculate the present value of the annuity Q3. (a) (5 marks) Nick purchases an increasing perpetuity with payments occurring at the end of every 2 years. The first payment is 1, the second is 2, the third is 3, etc. The price of the perpetuity is 110. Calculate the annual effective interest rate (b)