A bank offers the following saving scheme: Invest a fixed amount on the first of each month for a set number of years. On the first of the month after your last installment, you get your money plus the accrued interest. The bank quotes a yearly interest rate but interest is calculated and compounded on a monthly basis. Eight different interest rates are offered depending on the monthly deposit and the number of years the program is to run. The following table lists the interest rates offered.

Write a two-argument function DFV(Deposit, Years) , returning the future value of such an investment.

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For sums For sums <= 100 a month > 100 a month For a period of 2 years 3.5% 3.9% For a period of 3 years 3.7% 4.5% For a period of 4 years 4.2% 5.1% For a period of 5 years 4.6% 5.6%