Your wealthy neighbor has promised to give you $3000 a year at the end of each of the next four years to help with college. Using a discount rate of 4%, the present value of the gift can be stated as OPV.$3000 (Annuity PV factor, i " 4%, n-4). PV-S3000 (Annuity FV factor, i-4%, n-4). OPV-S3000 4% x 5. pv-s30e0(PV factor, i . 2%, n-4)