You have a loan outstanding. It requires making three annual payments at the end of the next three years of $5000 each. Your bank has offered to restructure the loan so that instead of making payments as originally agreed, you will make only one final payment at the end of the loan in 3 years. If the interest rate on the loan is 3.73%, what final payment will the bank require you to make so that it is indifferent between the two forms of payment?

The present value of the cash flows is?

The future value of the cash flows is?