TABLE 1 Future Value of $1 FV = $1(1 + i)" wi 1.0% 1.5% 1 1.01000 1.01500 2 1.02010 1.03022 3 1.03030 1.04568 4 1.04060 1.06136 5 1.05101 1.07728 2.0% 2.5% 1.02000 1.02500 1.04040 1.05063 1.06121 1.07689 1.08243 1.10381 1.10408 1.13141 3.0% 3.5% 4.0% 4.5% 1.03000 1.03500 1.04000 1.04500 1.06090 1.07123 1.08160 1.09203 1.09273 1.10872 1.12486 1.14117 1.12551 1.14752 1.16986 1.19252 1.15927 1.18769 1.21665 1.24618 5.0% 5.5% 1.05000 1.05500 1.10250 1.11303 1.15763 1.17424 1.21551 1.23882 1.27628 1.30696 6.0% 1.06000 1.12360 1.19102 1.26248 1.33823 7,0% 1.07000 1.14490 1.22504 1.31080 1.40255 8.0% 1.08000 1.16640 1.25971 1.36049 1.46933 0.0% 1.09000 1.18810 1.29503 1.41158 1.53862 0.0% 1.10000 1.21000 1.33100 1.46410 1.61051 11.0% 1.11000 1.23210 1.36763 1.51807 1.68506 12.0% 1.12000 1.25440 1.40493 1.57352 1.76234 20.0% 1.20000 1.44000 1.72800 2.07360 2.48832 2.98598 3.58318 6 1.06152 1.09344 1.12616 1.15969 1.19405 1.22926 1.26532 1.30226 1.34010 1.37884 7 1.07214 1.10984 1.14869 1.18869 1.22987 1.27228 1.31593 1.36086 1.40710 1.45468 8 1.08286 1.12649 1.17166 1.21840 1.26677 1.31681 1.36857 1.42210 1.47746 1.53469 9 1.09369 1.14339 1.19509 1.24886 1.30477 1.36290 1.42331 1.48610 1.55133 1.61909 10 1.10462 1.16054 1.21899 1.28008 1.34392 1.41060 1.48024 1.55297 1.62889 1.70814 1.41852 1.50363 1.59385 1.68948 1.79085 1.50073 1.58687 1.60578 1.71382 1.71819 1.85093 1.83846 1.99900 1.967152.15892 1.67710 1.82804 1.99256 2.17189 2.36736 1.77156 1.87041 1.948722.07616 2.14359 2.30454 2.35795 2.55804 2.59374 2.83942 1.97382 2.21068 2.47596 2.77308 3.10585 4.29982 5.15978 6.19174 11 12 13 14 15 1.11567 1.17795 1.12683 1.19562 1.13809 1.21355 1.14947 1.23176 1.16097 1.25023 1.24337 1.31209 1.26824 1.34489 1.29361 1.37851 1.31948 1.41297 1.34587 1.44830 1.38423 1.42576 1.46853 1.51259 1.55797 1.45997 1.53945 1.62285 1.71034 1.802091.89830 1.51107 1.60103 1.69588 1.79586 1.90121 2.01220 1.56396 1.66507 1.77220 1.8855 2.00577 2.13293 1.61869 1.73168 1.85194 1.979932.116092.26090 1.67535 1.80094 1.93528 2.07893 2.23248 2.39656 2.104852.33164 2.25219 2.51817 2.409852.71962 2.57853 2.93719 2.75903 3.17217 2.58043 2.81266 3.06580 3.34173 3.64248 2.85312 3.13843 3.45227 3.79750 4.17725 3.15176 3.47855 3.49845 3.89598 3.88328 4.36349 4.31044 4.88711 4.784595.47357 8.91610 10.69932 12.83918 15.40702 18.48843 22.18611 16 17 18 19 20 1.17258 1.18430 1.19615 1.20811 1.22019 1.26899 1.28802 1.30734 1.32695 1.34686 1.37279 1.48451 1.60471 1.73399 1.87298 1.40024 1.52162 1.65285 1.79468 1.94790 1.42825 1.55966 1.70243 1.85749 2.02582 1.45681 1.59865 1.75351 1.92250 2.10685 1.48595 1.63862 1.80611 1.98979 2.19112 2.02237 2.18287 2.35526 2.11338 2.29202 2.48480 2.20848 2.40662 2.62147 2.30786 2.52695 2.76565 2.41171 2.65330 2.91776 2.54035 2.69277 2.85434 3.02560 3.20714 2.95216 3.42594 3.15882 3.70002 3.379933.99602 3.61653 4.31570 3.869684.66096 3.97031 4.32763 4.71712 5.14166 5.60441 4.59497 5.05447 5.55992 6.11591 6.72750 5.31089 5.89509 6.54355 7.26334 8.06231 6.13039 6.86604 7.68997 8.61276 9.64629 26.62333 31.94800 38.33760 21 1.23239 1.36706 1.51567 1.67958 1.86029 2.05943 2.27877 2.52024 2.78596 3.07823 3.39956 4.14056 5.03383 25 30 40 1.28243 1.34785 1.48886 1.45095 1.56308 1.81402 1.64061 1.85394 1.81136 2.09757 2.20804 2.68506 2.09378 2.42726 3.26204 2.36324 2.80679 3.95926 2.66584 3.24340 4.80102 3.00543 3.38635 3.74532 4.32194 5.81636 7.03999 3.813394.29187 5.427436.84848 4.98395 5.743497.61226 10.06266 8.51331 10.28572 14.97446 21.72452 6.10881 7.40025 8.62308 10.83471 2471 13.26768 17.44940 31.40942 45.25926 8.94917 10.80385 46.00512 13.58546 13 58546 17.00006 17.00006 95.39622 22.89230 29.95992 237.37631 65.00087 93.05097 1469.77160 TABLE 2 Present Value of $1 $1 (1 + i)" wi 1.0% 1.5% 2.0% 2.5% 3.0% 3.5% 4.0% 4.5% 5.0% 5.5% 0.0% 7.0% 8.0% 0.0% 10.0% 11.0% 12.0% 20.0% 1 0.99010 0.98522 0.98039 0.97561 0.97087 0.96618 0.96154 0.95694 0.95238 0.94787 0.94340 0.93458 0.92593 0.91743 0.90909 0.90090 0.89286 0.83333 2 0.98030 0.97066 0.96117 0.95181 0.94260 0.93351 0.92456 0.91573 0.90703 0.89845 0.89000 0.87344 0.85734 0.84168 0.82645 0.81162 0.79719 0.69444 3 0.97059 0.95632 0.94232 0.92860 0.91514 0.90194 0.88900 0.87630 0.86384 0.85161 0.83962 0.81630 0.79383 0.77218 0.75131 0.73119 0.71178 0.57870 4 0.96098 0.94218 0.92385 0.90595 0.88849 0.87144 0.85480 0.83856 0.82270 0.80722 0.79209 0.76290 0.73503 0.70843 0.68301 0.65873 0.63552 0.48225 5 0.95147 0.92826 0.90573 0.88385 0.86261 0.84197 0.82193 0.80245 0.78353 0.76513 0.74726 0.71299 0.68058 0.64993 0.62092 0.59345 0.56743 0.40188 6 7 8 9 10 0.94205 0.91454 0.88797 0.86230 0.83748 0.81350 0.79031 0.76790 0.74622 0.72525 0.70496 0.66634 0.63017 0.59627 0.56447 0.53464 0.50663 0.33490 0.93272 0.90103 0.87056 0.84127 0.81309 0.78599 0.75992 0.73483 0.71068 0.68744 0.66506 0.62275 0.58349 0.54703 0.51316 0.48166 0.45235 0.27908 0.92348 0.88771 0.85349 0.82075 0.78941 0.75941 0.73069 0.70319 0.67684 0.65160 0.62741 0.58201 0.54027 0.50187 0.46651 0.43393 0.40388 0.23257 0.91434 0.87459 0.83676 0.80073 0.76642 0.73373 0.70259 0.67290 0.64461 0.61763 0.59190 0.54393 0.50025 0.46043 0.42410 0.39092 0.36061 0.19381 0.90529 0.86167 0.82035 0.78120 0.74409 0.70892 0.67556 0.64393 0.61391 0.58543 0.55839 0.50835 0.46319 0.42241 0.38554 0.35218 0.32197 0.16151 11 0.89632 0.84893 0.80426 0.76214 0.72242 0.68495 0.64958 0.61620 0.58468 0.55491 0.52679 0.47509 0.42888 0.38753 0.35049 0.31728 0.28748 12 0.88745 0.83639 0.78849 0.74356 0.70138 0.66178 0.62460 0.58966 0.55684 0.52598 0.49697 0.44401 0.39711 0.35553 0.31863 0.28584 0.25668 13 0.87866 0.82403 0.77303 0.72542 0.68095 0.63940 0.60057 0.56427 0.53032 0.49856 0.46884 0.41496 0.36770 0.32618 0.28966 0.25751 0.22917 14 0.86996 0.81185 0.75788 0.70773 0.66112 0.61778 0.57748 0.53997 0.50507 0.47257 0.44230 0.38782 0.34046 0.29925 0.26333 0.23199 0.20462 15 0.86135 0.79985 0.74301 0.69047 0.64186 0.59689 0.55526 0.51672 0.48102 0.44793 0.41727 0.36245 0.31524 0.27454 0.23939 0.20900 0.18270 0.13459 0.11216 0.09346 0.07789 0.06491 16 0.85282 0.78803 0.72845 0.67362 0.62317 0.57671 0.53391 0.49447 0.45811 0.42458 0.39365 0.33873 0.29189 0.25187 0.21763 0.18829 0.16312 0.05409 17 0.84438 0.77639 0.71416 0.65720 0.60502 0.55720 0.51337 0.47318 0.43630 0.40245 0.37136 0.31657 0.27027 0.23107 0.19784 0.16963 0.14564 0.04507 18 0.83602 0.76491 0.70016 0.64117 0.58739 0.53836 0.49363 0.45280 0.41552 0.38147 0.35034 0.29586 0.25025 0.21199 0.17986 0.15282 0.13004 0.03756 19 0.82774 0.75361 0.68643 0.62553 0.57029 0.52016 0.47464 0.43330 0.39573 0.36158 0.33051 0.27651 0.23171 0.19449 0.16351 0.13768 0.11611 0.03130 20 0.81954 0.74247 0.67297 0.61027 0.55368 0.50257 0.45639 0.41464 0.37689 0.34273 0.31180 0.25842 0.21455 0.17843 0.14864 0.12403 0.10367 0.02608 21 0.81143 0.73150 0.65978 0.59539 0.53755 0.48557 0.43883 0.39679 0.35894 0.32486 0.29416 0.24151 0.19866 0.16370 0.13513 0.11174 0.09256 0.02174 24 0.78757 0.69954 0.62172 0.55288 0.49193 0.43796 0.39012 0.34770 0.31007 0.27666 0.24698 0.19715 0.15770 0.12640 0.10153 0.08170 0.06588 0.01258 25 0.77977 0.68921 0.60953 0.53939 0.47761 0.42315 0.37512 0.33273 0.29530 0.26223 0.23300 0.18425 0.14602 0.11597 0.09230 0.07361 0.05882 0.01048 28 0.75684 0.65910 0.57437 0.50088 0.43708 0.38165 0.33348 0.29157 0.25509 0.22332 0.19563 0.15040 0.11591 0.08955 0.06934 0.05382 0.04187 0.00607 29 0.74934 0.64936 0.56311 0.48866 0.42435 0.36875 0.32065 0.27902 0.24295 0.21168 0.18456 0.14056 0.10733 0.08215 0.06304 0.04849 0.03738 0.00506 30 0.74192 0.63976 0.55207 0.47674 0.41199 0.35628 0.30832 0.26700 0.23138 0.20064 0.17411 0.13137 0.09938 0.07537 0.05731 0.04368 0.03338 0.00421 31 0.73458 0.63031 0.54125 0.46511 0.39999 0.34423 0.29646 0.25550 0.22036 0.19018 0.16425 0.12277 0.09202 0.06915 0.05210 0.03935 0.02980 0.00351 40 0.67165 0.55126 0.45289 0.37243 0.30656 0.25257 0.20829 0.17193 0.14205 0.11746 0.09722 0.06678 0.04603 0.03184 0.02209 0.01538 0.01075 0.00068 TABLE 3 Future Value of an ordinary Annuity of $1 FVA = (1 + i)"-1 wi 1 2 3 4 5 1.0% 1.0000 2.0100 3.0301 4.0604 5.1010 1.5% 1.0000 2.0150 3.0452 4.0909 5.1523 2.0% 1.000 2.0200 3.0604 4.1216 5.2040 2.5% 1.000 2.0250 3.0756 4.1525 5.2563 3.0% 1.0000 2.0300 3.0909 4.1836 5.3091 3.5% 1.0000 2.0350 3.1062 4.2149 5.3625 4.0% 4.5% 5.0% 5.5% 6.0% 1.000 1.000 1.000 1.000 1.000 2.0400 2.0450 2.0500 2.0550 2.0600 3.1216 3.1370 3.1525 3.1680 3.1836 4.2465 4.2782 4.31014.34234.3746 5.41635.47075.5256 5.5811 5.6371 7.0% 1.0000 2.0700 3.2149 4.4399 5.7507 8.0% 1.000 2.0800 3.2464 4.5061 0.0% 1.000 2.0900 3.2781 4.5731 0.0% 1.000 2.1000 3.3100 4.6410 6.1051 11.0% 1.000 2.1100 3.3421 4.7097 6.2278 12.0% 1.0000 2.1200 3.3744 4.7793 6.3528 20.0% 1.0000 2.2000 3.6400 5.3680 7.4416 6 7 8 9 10 6.1520 7.2135 8.2857 9.3685 10.4622 6.2296 7.3230 8.4328 9.5593 10.7027 6.3081 6.3877 7.4343 7.5474 8.5830 8.7361 9.7546 9.9545 10.9497 11.2034 6.4684 6.5502 6.6330 6.7169 7.66257.7794 7.8983 8.0192 8.89239.05179.21429.3800 10.1591 10.3685 10.5828 10.8021 11.4639 11.7314 12.0061 12.2882 6.80196.88816.9753 7.1533 8.39388.6540 9.5491 9.7216 9.8975 10.2598 11.0266 11.2563 11.4913 11.9780 12.577912.8754 13.1808 13.8164 7.33597.5233 8.9228 9.2004 10.6366 11.0285 12.4876 13.0210 14.4866 15.1929 7.7156 7.91298.11529.9299 9.48729.7833 10.0890 12.9159 11.4359 11.8594 12.2997 16.4991 13.5795 14.1640 14.7757 20.7989 15.9374 16.7220 17.5487 25.9587 11 11.5668 12 12.6825 13 13.8093 14 14.9474 15 16.0969 11.8633 13.0412 14.2368 15.4504 16.6821 12.1687 13.4121 14.6803 15.9739 17.2934 12.4835 12.8078 13.1420 13.4864 13.8412 14.2068 13.7956 14.1920 14.6020 15.0258 15.4640 15.9171 15.1404 15.6178 16.1130 16.6268 17.1599 17.7130 16.5190 17.0863 17.6770 18.291918.932119.5986 17.9319 18.5989 19.2957 20.0236 20.7841 21.5786 14.5835 16.3856 18.2868 20.2926 22.4087 14.9716 16.8699 18.8821 21.0151 23.2760 15.7836 17.8885 20.1406 22.5505 25.1290 16.6455 18.9771 21.4953 24.2149 27.1521 17.5603 18.5312 20.1407 21.3843 22.9534 24.5227 26.0192 27.9750 29.360931.7725 19.5614 22.7132 26.2116 30.0949 34.4054 20.6546 24.1331 28.0291 32.3926 37.2797 32.1504 39.5805 48.4966 59.1959 72.0351 16 17 18 19 20 17.2579 17.9324 18.639319.3802 20.1569 20.9710 21.8245 18.4304 19.2014 20.0121 20.8647 21.7616 22.7050 23.6975 19.6147 20.4894 21.4123 22.3863 23.414424.4997 25.6454 20.8109 21.7967 22.8406 23.9460 25.1169 26.3572 27.6712 22.0190 23.1237 24.2974 255447 26.8704 28.2797 29.7781 22.7193 23.6575 24.7417 25.8404 26.855128.1324 29.0636 30.5390 31.3714 33.0660 24.6411 26.9964 29.4812 32.1027 34.8683 25.6725 27.8881 28.212930.8402 30.9057 33.9990 33.760037.3790 36.7856 40.9955 30.3243 33.7502 37.4502 41.4463 45.7620 33.0034 36.9737 41.3013 46.0185 51.1601 35.9497 40.5447 45.5992 51.1591 57.2750 39.189942.7533 44.5008 48.8837 50.395955.7497 56.9395 63.4397 64.2028 72.0524 87.4421 105.9306 128.1167 154.7400 186.6880 21 30 40 23.2392 24.4705 25.7833 27.1833 28.6765 30.2695 31.9692 33.7831 35.7193 347849 37.5387 40.5681 43.9027 47.5754 51.6227 56.084961.0071 66.4388 48.8864 54.2679 60.4020 67.4026 75.4013 84.5503 95.0255 107.0303 120.7998 37.7861 72.4355 136.6056 39.9927 79.0582 154.7620 44.8652 50.422956.7645 64.0025 94.4608 113.2832 136.3075 164.4940 199.6351 259.0565337.8824 442.5926 72.2651 81.6987 199.0209 241.3327 581.8261 767.0914 225.0256 1181.8816 7343.8578 TABLE 4 Present Value of an ordinary Annuity of $1 1- (1+1 PVA== W 1 2 3 4 5 1.0% 1.5% 0.99010 0.98522 1.97040 1.95588 2.940992.91220 3.90197 3.85438 4.853434.78264 2.0% 0.98039 1.94156 2.88388 3.80773 4.71346 2.5% 0.97561 1.92742 2.85602 3.76197 4.64583 3.0% 0.97087 1.91347 2.82861 3.71710 4.57971 3.5% 4.0% 4.5% 5.0% 0.96618 0.96154 0.95694 0.95238 1.899691.886091.87267 1.85941 2.80164 2.77509 2.748962.72325 3.67308 3.62990 3.58753 3.54595 4.51505 4.45182 4.38998 4.32948 5,5% 0.94787 1.84632 2.69793 3.50515 4.27028 6.0% 0.94340 1.83339 2.67301 3.46511 4.21236 7.0% 8.0% 0.93458 0.92593 1.80802 1.78326 2.624322.57710 3.38721 3.31213 4.10020 3.99271 0.0% 0.0% 11.0% 12.0% 20.0% 0.91743 0.90909 0.90090 0.89286 0.83333 1.75911 1.73554 1.71252 1.69005 1.52778 2.53129 2.48685 2.44371 2.40183 2.10648 3.23972 3.16987 3.10245 3.03735 2.58873 3.88965 3.79079 3.69590 3.60478 2.99061 6 7 8 9 10 5.79548 6.72819 7.65168 8.56602 9.47130 5.69719 6.59821 7.48593 8.36052 9.22218 5.60143 5.50813 6.47199 6.34939 7.32548 7.17014 8.16224 7.97087 8.982598.75206 5.41719 5.32855 6.23028 6.11454 7.019696.87396 7.78611 7.60769 8.53020 8.31661 5.24214 6.00205 6.73274 7.43533 8.11090 5.15787 5.07569 5.89270 5.78637 6.59589 6.46321 7.268797.10782 791272 7.72173 4.99553 4.91732 4.76654 5.68297 5.58238 5.38929 6.334576_20979 5.97130 6.95220 6.80169 6.51523 7.537637.360097.02358 4.62288 5.20637 5.74664 6.24689 6.71008 4.485924.35526 4.23054 4.11141 3.32551 5.03295 4.86842 4.71220 4.56376 3.60459 5.53482 5.33493 5.14612 4.96764 3.83716 5.99525 5.759025.53705 5.32825 4.03097 6.41766 6.14457 5.88923 5.65022 4.19247 11 12 13 14 15 10.36763 11.25508 12.13374 13.00370 13.86505 10.07112 10.90751 11.73153 12.54338 13.34323 9.786859.51421 10.57534 10.25776 11.34837 10.98319 12.10625 11.69091 12.84926 12.38138 9.252629.00155 9.95400 9.66333 10.63496 10.30274 11.29607 10.92052 11.93794 11.51741 8.76048 8.52892 9.38507 9.11858 9.98565 9.68285 10.56312 10.22283 11.11839 10.73955 8.30641 8.86325 9.39357 9.89864 10.37966 8.09254 8.61852 9.11708 9.58965 10.03758 7.886877.49867 7.13896 8.38384 7.942697.53608 8.85268 8.35765 7.90378 9.29498 8.74547 8.24424 9.71225 9.10791 8.55948 6.80519 6.49506 7.16073 6.81369 7.48690 7.10336 7.78615 7.36669 8.060697.60608 6.20652 5.93770 4.32706 6.49236 6.19437 4.43922 6.74987 6.42355 4.53268 6.98187 6.62817 4.61057 7.19087 6.81086 4.67547 16 17 18 19 20 14.71787 15.56225 16.39827 17.22601 18.04555 14.13126 13.57771 14.90765 14.29187 15.67256 14.99203 16.42617 15.67846 17.16864 16.35143 13.05500 13.71220 14.35336 14.97889 15.58916 12.56110 13.16612 13.75351 14.32380 14.87747 12.09412 12.65132 13.18968 13.70984 14.21240 11.65230 11.23402 12.16567 11.70719 12.65930 12.15999 13.13394 12.59329 13.59033 13.00794 10.83777 11.27407 11.68959 12.08532 12.46221 10.46216 10.105909.446658.85137 8.31256 7.82371 7.37916 6.97399 4.72956 10.86461 10.47726 9.76322 9.12164 8.54363 8.02155 7.548797.11963 4.77463 11.24607 10.82760 10.059099.371898.75563 8.20141 7.701627.24967 4.81219 11.60765 11.15812 10.33560 9.60360 8.95011 8.36492 7.839297.36578 4.84350 11.95038 11.46992 10.59401 9.81815 9.12855 8.51356 7.96333 7.46944 4.86958 21 18.85698 17.90014 17.01121 16.18455 25 22.02316 20.71961 19.52346 18.42438 30 25.80771 24.01584 22.39646 20.93029 40 32.83469 29.91585 27.35548 25.10278 15.41502 17.41315 19.60044 23.11477 14.69797 16.48151 18.39205 21.35507 14.02916 15.62208 17.29203 19.79277 13.40472 14.82821 16.28889 18.40158 12.82115 12.27524 11.76408 14.09394 13.41393 12.78336 15.37245 14.53375 13.76483 17.15909 16.04612 15.04630 10.83553 11.65358 12.40904 13.33171 10.01680 10.67478 11.25778 11.92461 9.29224 8.64869 8.07507 7.56200 9.82258 9.07704 8.42174 7.84314 10.27365 9.42691 8.69379 8.05518 10.75736 9.77905 8.95105 8.24378 4.89132 4.94759 4.97894 4.99660 TABLE 5 Future Value of an Annuity Due of $1 TABLE Sa+)" - 11X (1+i) FVAD | wi 1 2 3 1.0% 1.0100 2.0301 3.0604 1.5% 10150 2.0452 3.0909 2.0% 1.0200 2.0604 3.1216 2.5% 1.0250 2.0756 3.1525 3.0% 3.5% 4.0% 4.5% 5.0% 1.0300 1.0350 1.0400 10450 1.0500 2.0909 2.1062 2.1216 2.1370 2.1525 3.1836 3.21493.2465 3.2782 3 .3101 4.30914.3625 4.41634.4707 4.5256 5.4684 5.5502 5.6330 5.71695.8019 5,5% 1.0550 2.1680 3.3423 6.0% 1.0600 2.1836 3.3746 7.0% 10700 2.2149 3.4399 8.0% 1.0800 2.2464 3.5061 9.0% 1.0900 2.2781 3.5731 0.0% 1.1000 2.3100 3.6410 11.0% 1.1100 2.3421 3.7097 12.0% 1.1200 2.3744 3.7793 20.0% 1.2000 2.6400 4.3680 4 5 4.1010 5.1520 4.15234.2040 5.2296 5.3081 4.2563 5.3877 4.5811 5.8881 4.63714.7507 5.9753 6.1533 4.8666 4.9847 6.33596.5233 5.10515.2278 5.3528 6.7156 6.91297.1152 6.4416 8.9299 11.9159 15.4991 6 7 8 9 10 6.21356.3230 7.2857 7.4328 8.3685 8.5593 9.4622 9.7027 10.5668 10.8633 6.4343 7.5830 8.7546 9.9497 11.1687 6,5474 7.7361 8.9545 10.2034 11.4835 6.6625 7.8923 9.1591 10.4639 11.8078 6.7794 8.0517 9.3685 10.7314 12. 1420 6.89837.01927.1420 8.2142 8.3800 8.5491 9.5828 9.8021 10.0266 11.0061 11.2882 11.5779 12.4864 12.8412 13.2068 7.26697.3938 8.7216 8.8975 10.2563 10.4913 11.8754 12.1808 13.5835 13.9716 7.65407.9228 9.2598 9.6366 10.9780 11.4876 12.8164 13.4866 14.7836 15.6455 8.2004 10.0285 12.0210 14.1929 16,5603 8.48728.78339.0890 10.4359 10.8594 11.2997 12.5795 13.1640 13.7757 14.9374 15.7220 16.5487 17.5312 18.5614 19.6546 19.7989 24.9587 31.1504 38.5805 47.4966 11 12 13 14 15 11.6825 12.8093 13.9474 15.0969 16.2579 12.0412 13.2368 14.4504 15.6821 16.9324 12.4121 12.7956 13.6803 14.1404 14.9739 15.5190 16.2934 16.9319 17.6393 18.3802 13.1920 13.6020 14.0258 14.4640 14.6178 15.1130 15.6268 16.1599 16.0863 16.6770 17.291917.9321 17.5989 18.2957 19.0236 19.7841 19.1569 19.9710 20.8245 21.7193 14.9171 16.7130 18.5986 20.5786 22.6575 15.3856 17.2868 19.2926 21.4087 23.6411 15.8699 17.8821 20.0151 22.2760 24.6725 16.8885 19.1406 21.5505 24.1290 26.8881 17.9771 20.4953 23.2149 26.1521 29.3243 19.1407 21.9534 25.0192 28.3609 32.0034 20.3843 23.5227 26.9750 30.7725 34.9497 21.7132 25.2116 29.0949 33.4054 38.1899 23.1331 27.0291 31.3926 36.2797 41.7533 71.0351 86.4421 16 17.4304 18.2014 19.0121 19.8647 20.7616 21.7050 22.6975 17 18.6147 19.4894 20.4123 21.3863 22.4144 23.4997 24.6454 18 19.8109 20.7967 21.8406 22.9460 24.1169 25.3572 26.6712 19 21.0190 22.1237 23.2974 24.5447 25.8704 27.2797 28.7781 20 22.2392 23.4705 24.7833 26.1833 27.6765 29.2695 30.9692 23.7417 25.8551 28.0636 30.3714 32.7831 24.8404 27.1324 29.5390 32.0660 34.7193 25.9964 28.4812 31.1027 33.8683 36.7861 27.2129 29.9057 32.7600 35.7856 38.9927 29.8402 32.9990 36.3790 39.9955 43.8652 32.7502 35.9737 36.4502 40.3013 40.4463 45.0185 44.762050.1601 49.422955.7645 39.5447 43.5008 47.8837 44.5992 49.3959 54.7497 50.1591 55.939562.4397 56.275063.2028 71.0524 63.0025 71.2651 80.6987 104.9306 127.1167 153.7400 185.6880 224.0256 21 23.4716 24.8376 26.2990 27.8629 29.5368 31.328933.2480 25 28.5256 30.5140 32.670935.0117 37.5530 40.3131 43.3117 30 35.1327 38.1018 41.3794 45.0003 49.0027 53.4295 58.3283 40 49.3752 55.0819 61.6100 69.0876 77.6633 87.5095 98.8265 35.3034 37.5052 46.5706 50.1135 63.7524 69.7608 111.8467 126.8398 39.8643 53.9660 76.4194 144.1189 42.3923 58.1564 83.8017 164.0477 48.0057 54.4568 67.6765 78.9544 101.0730 122.3459 213.6096 279.7810 61.8733 70.4027 80.2143 91.5026 270.0307 92.3240 108.1818 126.9988 149.3339 566.3773 148.5752 180.9434 220.9132 270.2926 1418.2579 368.2919 486.8518 645.8269859.1424 8812.6294 TABLE 6 Present Value of an Annuity Due of $1 | 1 (1+7) PVAD = x (1 + i) 4.0% 4.5% 5.0% 5.5% 6.0% 7.0% 8.0% 0.0% 10.0% 11.0% 12.0% 20.0% wi 1 2 3 4 5 1.0% 1.00000 1.99010 2.97040 3.94099 4.90197 1.5% 1.00000 1.98522 2.95588 3.91220 4.85438 2.0% 1.00000 1.98039 2.94156 3.88388 4.80773 2.5% 1.00000 1.97561 2.92742 3.85602 4.76197 3.0% 1.00000 1.97087 2.91347 3.82861 4.71710 3.5% 1.00000 1.96618 2.89969 3.80164 4.67308 1.00000 1.00000 1.96154 1.95694 2.886092.87267 3.775093.74896 4.62990 4.58753 1.00000 1.95238 2.85941 3.72325 4.54595 1.00000 1.94787 2.84632 3.69793 4.50515 1.00000 1.94340 2.83339 3.67301 4.46511 1.00000 1.93458 2.80802 3.62432 4.38721 1.00000 1.00000 1.925931.91743 2.78326 2.75911 3.57710 3.53129 4.312134.23972 1.00000 1.00000 1.00000 1.90909 1.90090 1.89286 2.73554 2.71252 2.69005 3.48685 3.44371 3.40183 4.16987 4.10245 4.03735 1.00000 1.83333 2.52778 3.10648 3.58873 6 7 8 9 10 5.853435.78264 5.71346 5.645835.57971 5.51505 5.45182 6.79548 6.697196.60143 6.508136.417196.32855 6.24214 7.728197.59821 7.471997.349397.23028 7.11454 7.00205 8.65168 8.48593 8.32548 8.17014 8.01969 7.87396 7.73274 9.56602 9.36052 9.16224 8.97087 8.78611 8.607698.43533 5.38998 5.32948 6.157876.07569 6.89270 6.78637 7.595897.46321 8.26879 8.10782 5.27028 5.99553 6.68297 7.33457 7.95220 5.21236 5.10020 4.99271 4.88965 4.79079 4.69590 4.60478 3.99061 5.91732 5.76654 5.62288 5.48592 5.35526 5.23054 5.11141 4.32551 6.58238 6.389296.20637 6.032955.868425 .71220 5.56376 4.60459 7.209796.97130 6.74664 6.53482 6.33493 6.146125.96764 4.83716 7.801697.51523 7.246896.99525 6.75902 6.53705 6.32825 5.03097 11 10.47130 12 11.36763 13 12.25508 14 13.13374 15 14.00370 10.22218 9.98259 9.75206 9.53020 9.31661 11.07112 10.78685 10.51421 10.25262 10.00155 11.90751 11.57534 11.25776 10.95400 10.66333 12.73153 12.34837 11.98318 11.63496 11.30274 13.54338 13.10625 12.69091 12.29607 11.92052 9.11090 8.91272 8.72173 9.76048 9.52892 9.30641 10.38507 10.11858 9.86325 10.98565 10.68285 10.39357 11.56312 11.22283 10.89864 8.53763 9.09254 9.61852 10.11708 10.58965 8.360098.02358 7.71008 8.88687 8.49867 8.13896 9.38384 8.942698.53608 9.85268 9.35765 8.90378 10.294989.745479.24424 7.41766 7.14457 6.88923 6.650225.19247 7.80519 7.49506 7.20652 6.93770 5.32706 8.160737.813697.49236 7.19437 5.43922 8.48690 8.10336 7.749877.42355 5.53268 8.78615 8.366697.98187 7.62817 5.61057 16 17 18 19 20 14.86505 15.71787 16.56225 17.39827 18.22601 14.34323 15.13126 15.90765 16.67256 17.42617 13.84926 14.57771 15.29187 15.99203 16.67846 13.38138 14.05500 14.71220 15.35336 15.97889 12.93794 13.56110 14.16612 14.75351 15.32380 12.51741 12.11839 11.73955 13.09412 12.65230 12.23402 13.65132 13.16567 12.70719 14.18968 13.65930 13.15999 14.70984 14.13394 13.59329 11.37966 11.83777 12.27407 12.68959 13.08532 11.03758 11.46216 11.86461 12.24607 12.60765 10.71225 11.10590 11.47726 11.82760 12.15812 10.10791 10.44665 10.76322 11.05909 11.33560 9.55948 9.85137 10.12164 10.37189 10.60360 9.060698.60608 8.19087 7.81086 5.67547 9.31256 8.82371 8.37916 7973995.72956 9.543639.02155 8.54879 8.11963 5.77463 9.75563 9.20141 8.70162 8.24967 5.81219 9.95011 9.36492 8.83929 8.36578 5.84350 21 19.04555 18.16864 17.35143 16.58916 25 22.24339 21.03041 19.91393 18.88499 30 26.06579 24.37608 22.84438 21.45355 40 33.16303 30.36458 27.90259 25.73034 15.87747 15.21240 17.93554 17.05837 20.18845 19.03577 23.80822 22.10250 14.59033 14.00794 13.46221 16.24696 15.49548 14.79864 17.98371 17.02189 16.14107 20.58448 19.22966 18.01704 12.95038 14.15170 15.33310 16.92866 12.46992 13.55036 14.59072 15.94907 11.59401 10.81815 10.12855 12.46933 11.52876 10.70661 13.27767 12.15841 11.19828 14.26493 12.87858 11.72552 9.51356 8.96333 8.469445.86958 9.98474 9.34814 8.78432 5.93710 10.36961 9.65011 9.02181 5.97472 10.75696 9.93567 9.23303 5.99592 Determine the combined present value as of December 31, 2021, of the following four payments to be received at the end of each of the designated years, assuming an annual interest rate of 8%. (FV of $1, PV of $1, FVA of $1, PVA of $1, FVAD of $1 and PVAD of $1) (Use appropriate factor(s) from the tables provided. Round your final answers to nearest whole dollar amount.) Payment $ 8, 250 8,925 10,600 12,575 Year Received 2022 2023 2025 2027 Payment Present Value Year Received 2022 8% $ 2023 8,250 8,925 10,600 12,575 8% 8% 8% 2025 2027 Total