MC algo $5-13$ Calculating Annuity Present Values

Your crazy uncle left you a trust that will pay you $$28,000$ per year for the next $22$ years with the first payment received one year from today. If the appropriate interest rate is $6\mathrm{.}1$ percent, what is the value of the payments today?

Multiple Choice

$$317,539\mathrm{.}65$

$$345,394\mathrm{.}00$

$$326,641\mathrm{.}65$

$$299,898\mathrm{.}56$