Tables are :

TABLE 9-1 Future Value of $1 (N) Periods 2% 3% 4% 5% 6% 7% 8% 10% 12% 15% 1 1.07000 1.10000 1.15000 1.03000 1.06090 1.06000 1.12360 2 1.04000 1.08160 1.12486 1.02000 1.04040 1.06121 1.08243 1.14490 1.08000 1.16640 1.25971 1.05000 1.10250 1.15763 1.21551 1.27628 1.21000 1.33100 1.12000 1.25440 1.40493 1.32250 1.52088 3 1.19102 1.09273 1.12551 1.22504 4 1.16986 1.26248 1.31080 1.36049 1.46410 1.57352 1.74901 2.01136 5 1.10408 1.15927 1.33823 1.40255 1.46933 1.61051 1.76234 1.21665 1.26532 6 1.19405 1.34010 1.58687 2.31306 1.12616 1.14869 1.50073 1.60578 1.77156 1.94872 1.97382 2.21068 7 1.22987 1.40710 1.71382 2.66002 8 1.47746 2.14359 3.05902 1.31593 1.36857 1.42331 1.48024 1.26677 1.30477 1.34392 9 1.71819 1.83846 1.96715 10 2.35795 2.59374 2.85312 2.47596 2.77308 3.10585 3.47855 3.89598 11 1.53945 12 13 14 1.17166 1.19509 1.21899 1.24337 1.26824 1.29361 1.31948 1.34587 1.37279 1.40024 1.42825 1.45681 1.48595 1.38423 1.42576 1.46853 1.51259 1.55797 1.60471 1.65285 1.70243 1.41852 1.50363 1.59385 1.68948 1.79085 1.89830 2.01220 2.13293 2.26090 2.39656 2.54035 2.69277 2.85434 3.02560 3.20714 3.60354 4.04893 1.60103 1.66507 1.73168 1.80094 1.87298 1.94790 2.02582 2.10685 2.19112 2.36992 15 1.55133 1.62889 1.71034 1.79586 1.88565 1.97993 2.07893 2.18287 2.29202 2.40662 2.52695 2.65330 2.92526 3.22510 3.55567 3.92013 2.10485 2.25219 2.40985 2.57853 2.75903 2.95216 3.15882 3.37993 3.61653 3.86968 16 17 1.85093 1.99900 2.15892 2.33164 2.51817 2.71962 2.93719 3.17217 3.42594 3.70002 3.99602 4.31570 4.66096 5.43654 6.34118 7.39635 8.62711 10.06266 3.13843 3.45227 3.79750 4.17725 4.59497 5.05447 5.55992 6.11591 3.51788 4.04556 4.65239 5.35025 6.15279 7.07571 8.13706 9.35762 10.76126 12.37545 14.23177 16.36654 4.36349 4.88711 5.47357 6.13039 6.86604 7.68997 8.61276 9.64629 18 19 20 6.72750 8.14027 22 12.10031 15.17863 24 1.75351 1.80611 1.91610 2.03279 2.15659 2.28793 2.42726 2.56330 9.84973 1.54598 1.60844 1.67342 1.74102 1.81136 4.43040 5.07237 5.80735 6.64884 26 4.54938 11.91818 2.77247 2.99870 21.64475 28.62518 37.85680 50.06561 66.21177 28 5.11169 5.74349 19.04007 23.88387 29.95992 14.42099 17.44940 30 3.24340 4.32194 7.61226 TABLE 9-2 Present Value of $1 (N) Periods 2% 3% 4% 5% 6% 7% 8% 10% 12% 15% 1 98039 .97087 92593 .89286 .86957 .96154 .92456 2 .96117 .94260 .94340 .89000 .83962 .93458 .87344 .81630 .79719 .75614 .85734 ..79383 .90909 .82645 .75131 .68301 3 .94232 .88900 .65752 .91514 .88849 .71178 .63552 4 .92385 .85480 ..76290 .57175 .79209 .74726 5 .86261 .71299 56743 49718 .95238 .90703 .86384 .82270 .78353 .74622 .71068 .67684 .64461 .61391 .62092 .56447 .83748 .70496 .66634 .90573 .88797 .87056 .85349 6 7 43233 73503 68058 .63017 .58349 .54027 .81309 .62275 51316 .37594 .82193 .79031 .75992 .73069 .70259 .67556 .64958 .66506 .62741 8 .78941 46651 .32690 .58201 .54393 9 .83676 .76642 42410 .59190 .55839 .50025 .46319 28426 24718 10 .74409 .82035 .80426 11 .72242 .58468 42888 21494 12 50663 45235 40388 .36061 .32197 28748 .25668 .22917 20462 18270 .16312 .14564 .55684 .18691 .78849 .77303 .62480 .60057 .50835 .47509 44401 .41496 .38782 .36245 .39711 .36770 .38554 35049 31863 .28966 .26333 .23939 13 .53032 .16253 14 .70138 .68095 .66112 .64186 .62317 .60502 .50507 .57748 .55526 .34046 .31524 15 .53391 .75788 .74301 .72845 .71416 .70016 .68643 16 17 48102 45811 43630 41552 .33873 .31657 .29189 .27027 .51337 18 25025 .52679 49697 46884 44230 41727 39365 37136 35034 33051 31180 27751 24698 21981 .19583 .17411 .58739 .57029 .13004 .21763 .19784 . 17986 .16351 .14864 .12285 .29586 27651 .25842 19 .14133 .12289 .10686 .09293 .08081 .07027 .06110 .04620 .03493 39573 .37689 .11611 23171 .21455 20 .67297 .55368 .10367 22 34185 .18394 49363 47464 45639 .42196 .39012 36069 33348 30832 .52189 49193 24 31007 .10153 .64684 .62172 .59758 .57437 .55207 26 28 .08391 46369 43708 41199 .22571 .19715 .17220 . 15040 .13137 28124 25509 23138 .15770 .13520 .11591 .09938 .08264 .06588 .05252 .04187 .03338 .02642 .01997 .06934 30 .05731 .01510 TABLE 9-3 Future Value of Annuity of $1 (N) 2% 3% Periods 4% 5% 6% 7% 8% 10% 12% 15% 1 1.00000 1.00000 1.00000 1.00000 1.00000 2 1.00000 2.02000 3.06040 4.12161 1.00000 2.03000 3.09090 4.18363 1.00000 2.04000 3.12160 2.07000 3.21490 2.15000 3.47250 3 2.08000 3.24640 4.50611 2.05000 3.15250 4.31013 5.52563 6.80191 4 2.06000 3.18360 4.37462 5.63709 6.97532 4.24646 1.00000 2.12000 3.37440 4.77933 6.35285 8.11519 4.99338 1.00000 2.10000 3.31000 4.64100 6.10510 7.71561 9.48717 11.43589 5 5.30914 5.41632 4.43994 5.75074 7.15329 5.86660 5.20404 6.30812 6.74238 6 6.46841 6.63298 8.75374 7 7.43428 7.66246 7.89829 8.14201 8.39384 7.33593 8.92280 10.63663 10.08901 8 8.58297 9.89747 9 8.65402 10.25980 11.97799 13.81645 9.54911 11.02656 12.57789 9.21423 10.58280 12.00611 13.48635 15.02581 12.48756 14.48656 9.75463 10.94972 12.16872 13.41209 10 8.89234 10.15911 11.46388 12.80780 14.19203 15.61779 11.06680 13.72682 16.78584 20.30372 24.34928 11.49132 13.18079 14.97164 16.86994 11 14.20679 16.64549 15.78360 17.88845 12.29969 14.77566 17.54874 20.65458 24.13313 28.02911 32.39260 37.27971 12 18.97713 13 14.68033 16.62684 20.14064 21.49530 18.88214 21.01507 29.00167 34.35192 40.50471 14 24.21492 18.29191 20.02359 15 47.58041 15.97394 17.29342 18.63929 20.01207 27.15211 30.32428 16 17.08632 18.59891 20.15688 21.76159 23.41444 25.11687 26.87037 22.55049 25.12902 27.88805 30.84022 21.82453 23.69751 15.91713 17.71298 19.59863 21.57856 23.65749 25.84037 28.13238 30.53900 33.06595 38.50521 44.50200 23.27597 25.67253 28.21288 30.90565 17 33.75023 13.57948 15.93742 18.53117 21.38428 24.52271 27.97498 31.77248 35.94973 40.54470 45.59917 51.15909 57.27500 71.40275 88.49733 109.18177 134.20994 164.49402 55.71747 65.07509 75.83636 88.21181 18 25.64541 37.45024 19 27.67123 33.75999 21.41231 22.84056 24.29737 27.29898 42.75328 48.88367 55.74971 63.43968 72.05244 92.50258 118.15524 20 22 30.53678 33.99903 37.37896 40.99549 49.00574 58.17667 68.67647 80.69769 94.46079 24 34.42647 29.77808 34.24797 39.08260 44.31174 49.96758 36.78559 43.39229 50.81558 59.15638 68.52811 41.44626 45.76196 55.45676 66.76476 79.95442 95.33883 113.28321 30.42186 33.67091 37.05121 40.56808 102.44358 137.63164 184.16784 245.71197 327.10408 434.74515 26 51.11345 38.55304 42.93092 47.57542 150.33393 190.69889 28 58.40258 66.43885 30 56.08494 79.05819 241.33268 TABLE 9-4 Present Value of Annuity of $1 (N) Periods 2% 3% 4% 5% 6% 7% 8% 10% 12% 15% 1 .93458 .92593 .86957 98039 1.94156 94340 1.83339 .95238 1.85941 2.72325 .89286 1.69005 2 1.80802 97087 1.91347 2.82861 3.71710 4.57971 1.78326 2.57710 3 .90909 1.73554 2.48685 3.16987 2.88388 2.62432 .96154 1.88609 2.77509 3.62990 4.45182 5.24214 2.40183 2.67301 3.46511 1.62571 2.28323 2.85498 3.35216 4 3.54595 3.38721 3.31213 3.03735 3.80773 4.71346 5 4.21236 4.10020 3.79076 3.60478 4.32948 5.07569 6 5.41719 4.35526 4.11141 4.76654 5.38929 7 6.23028 6.00205 4.86842 4.56376 8 5.60143 6.47199 7.32548 8.16224 8.98259 6.73274 5.78637 6.46321 7.10782 7.72173 4.91732 5.58238 6.20979 6.80169 7.36009 9 10 11 7.01969 7.78611 8.53020 9.25262 9.95400 10.63496 11.29607 7.43533 8.11090 8.76048 9.38507 9.98565 10.56312 11.11839 4.96764 5.32825 5.65022 5.93770 6.19437 6.42355 6.62817 12 13 3.99271 4.62288 5.20637 5.74664 6.24689 6.71008 7.13896 7.53608 7.90378 8.24424 8.55948 8.85137 9.12164 9.37189 14 9.78685 10.57534 11.34837 12.10625 12.84926 13.57771 14.29187 14.99203 15.67846 16.35143 7.88687 8.38384 8.85268 9.29498 9.71225 10.10590 10.47726 10.82760 15 6.81086 3.78448 4.16042 4.48732 4.77158 5.01877 5.23371 5.42062 5.58315 5.72448 5.84737 5.95423 6.04716 6.12797 6.19823 6.25933 6.35866 8.30641 8.86325 9.39357 9.89864 10.37966 10.83777 11.27407 11.68959 12.08532 12.46221 13.16300 13.79864 16 17 5.97130 6.51523 7.02358 7.49867 7.94269 8.35765 8.74547 9.10791 9.44665 9.76322 10.05909 10.33560 10.59401 11.06124 11.46933 11.82578 12.13711 11.93794 12.56110 13.16612 13.75351 14.32380 14.87747 15.93692 16.93554 11.65230 12.16567 12.65930 13.13394 13.59033 5.33493 5.75902 6.14457 6.49506 6.81369 7.10336 7.36669 7.60608 7.82371 8.02155 8.20141 8.36492 8.51356 8.77154 8.98474 9.16095 9.30657 9.42691 6.97399 7.11963 7.24967 18 19 11.15812 11.46992 7.36578 7.46944 20 22 7.64465 17.65805 18.91393 12.04158 12.55036 24 9.60360 9.81815 10.20074 10.52876 10.80998 11.05108 11.25778 6.43377 26 14.45112 15.24696 15.98277 16.66306 17.29203 20.12104 21.28127 22.39646 17.87684 18.76411 19.60044 28 14.37519 14.89813 15.37245 7.78432 7.89566 7.98442 8.05518 13.00317 13.40616 13.76483 6.49056 6.53351 6.56598 30 12.40904