PLO RATE PER PERIOD S 0.25% 0.50% 0.75% 1.00750 1 1.00250 1.00500 4 7 1.00% 1.50%...

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PLO RATE PER PERIOD S 0.25% 0.50% 0.75% 1.00750 1 1.00250 1.00500 4 7 1.00% 1.50% 2.00% 2.50% 3.00% 4.00% 5.00% 6.00% 7.00% 8.00% 9.00% 10.00% 11.00% 12.00% 1.01000 1.01500 1.02000 1.02500 1.03000 1.04000 1.05000 1.06000 1.07000 1.08000 1.09000 1.10000 1.11000 1.12000 2 1.00501 1.01003 1.01506 1.02010 1.03023 1.04040 1.05063 1.06090 1.08160 1.10250 1.12360 1.14490 1.16640 1.18810 1.21000 1.23210 1.25440 3 1.00752 1.01508 1.02267 1.03030 1.04568 1.06121 1.07689 1.09273 1.12486 1.15763 1.19102 1.22504 1.25971 1.29503 1.33100 1.36763 1.40493 1.01004 1.02015 1.03034 1.04060 1.06136 1.08243 1.10381 1.12551 1.16986 1.21551 1.26248 1.31080 1.36049 1.41158 1.46410 1.51807 1.57352 1.01256 1.02525 1.03807 1.05101 1.07728 1.10408 1.13141 1.15927 1.21665 1.27628 1.33823 1.40255 1.46933 1.53862 1.61051 1.68506 1.76234 1.01509 1.03038 1.04585 1.06152 1.09344 1.12616 1.15969 1.19405 1.26532 1.34010 1.41852 1.50073 1.58687 1.67710 1.77156 1.87041 1.97382 1.01763 1.03553 1.05370 1.07214 1.10984 1.14869 1.18869 1.22987 1.31593 1.40710 1.50363 1.60578 1.71382 1.82804 1.94872 2.07616 2.21068 8 1.02018 1.04071 1.06160 1.08286 1.12649 1.17166 1.21840 1.26677 1.36857 1.47746 1.59385 1.71819 1.85093 1.99256 2.14359 2.30454 2.47596 9 1.02273 1.04591 1.06956 1.09369 1.14339 1.19509 1.24886 1.30477 1.42331 1.55133 1.68948 1.83846 1.99900 2.17189 2.35795 2.55804 2.77308 10 1.02528 1.05114 1.07758 1.10462 1.16054 1.21899 1.28008 1.34392 1.48024 1.62889 1.79085 1.96715 2.15892 2.36736 2.59374 2.83942 3.10585 11 1.02785 1.05640 1.08566 1.11567 1.17795 1.24337 1.31209 1.38423 1.53945 1.71034 1.89830 2.10485 2.33164 2.58043 2.85312 3.15176 3.47855 12 1.03042 1.06168 1.09381 1.12683 1.19562 1.26824 1.34489 1.42576 1.60103 1.79586 2.01220 2.25219 2.51817 2.81266 3.13843 3.49845 3.89598 13 1.03299 1.06699 1.10201 1.13809 1.21355 1.29361 1.37851 1.46853 1.66507 1.88565 2.13293 2.40985 2.71962 3.06580 3.45227 3.88328 4.36349 14 1.03557 1.07232 1.11028 1.14947 1.23176 1.31948 1.41297 1.51259 1.73168 1.97993 2.26090 2.57853 2.93719 3.34173 3.79750 4.31044 4.88711 15 1.03816 1.07768 1.11860 1.16097 1.25023 1.34587 1.44830 1.55797 1.80094 2.07893 2.39656 2.75903 3.17217 3.64248 4.17725 4.78459 5.47357 16 1.04076 1.08307 1.12699 1.17258 1.26899 1.37279 1.48451 1.60471 1.87298 2.18287 2.54035 2.95216 3.42594 3.97031 4.59497 5.31089 6.13039 17 1.04336 1.08849 1.13544 1.18430 1.28802 1.40024 1.52162 1.65285 1.94790 2.29202 2.69277 3.15882 3.70002 4.32763 5.05447 5.89509 6.86604 1.04597 1.09393 1.14396 1.30734 1.42825 1.55966 1.70243 2.02582 2.40662 2.85434 3.37993 3.99602 4.71712 5.55992 6.54355 7.68997 19 1.04858 1.09940 1.15254 1.32695 1.45681 1.59865 1.75351 2.10685 2.52695 3.02560 3.61653 4.31570 5.14166 6.11591 7.26334 8.61276 20 1.05121 1.10490 1.16118 1.34686 1.48595 1.63862 1.80611 2.19112 2.65330 3.20714 3.86968 4.66096 5.60441 6.72750 8.06231 9.64629 21 1.05383 1.11042 1.16989 1.23239 1.51567 1.67958 1.86029 2.27877 2.78596 3.39956 4.14056 5.03383 6.10881 7.40025 8.94917 10.80385 22 1.05647 1.11597 1.17867 1.24472 1.38756 1.54598 1.72157 1.91610 2.36992 2.92526 3.60354 4.43040 5.43654 6.65860 8.14027 9.93357 12.10031 23 1.05911 1.12155 1.18751 1.25716 1.40838 1.57690 1.76461 1.97359 2.46472 3.07152 3.81975 4.74053 5.87146 7.25787 8.95430 11.02627 13.55235 24 1.06176 1.12716 1.19641 1.26973 1.42950 1.60844 1.80873 2.03279 2.56330 3.22510 4.04893 5.07237 6.34118 7.91108 9.84973 12.23916 15.17863 25 1.06441 1.13280 1.20539 1.28243 1.45095 1.64061 1.85394 2.09378 2.66584 3.38635 4.29187 5.42743 6.84848 8.62308 10.83471 13.58546 17.00006 30 1.07778 1.16140 1.25127 1.34785 1.56308 1.81136 2.09757 2.42726 3.24340 4.32194 5.74349 7.61226 10.06266 13.26768 17.44940 22.89230 29.95992 35 1.09132 1.19073 1.29890 1.41660 1.68388 1.99989 2.37321 2.81386 3.94609 5.51602 7.68609 10.67658 14.78534 20.41397 28.10244 38.57485 52.79962 40 1.10503 1.22079 1.34835 1.48886 1.81402 2.20804 2.68506 3.26204 4.80102 7.03999 10.28572 14.97446 21.72452 31.40942 45.25926 65.00087 93.05097 50 1.13297 1.28323 1.45296 1.64463 2.10524 2.69159 3.43711 4.38391 7.10668 11.46740 18.42015 29.45703 46.90161 74.35752 117.3909 184.5648 289.0022 18 1.19615 1.20811 1.22019 1.36706 WN 495 FUTURE VALUE OF $1 6 - OO S 0.25% 5.02506 5.05025 6.03763 6.07550 7.05272 7.10588 8.14141 9.18212 9 9.09053 10 10.11325 10.22803 0.50% 0.75% 1.00% 1.50% 2.00% 2.50% 3.00% 4.00% 5.00% 6.00% 7.00% 8.00% 9.00% 10.00% 11.00% 12.00% 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 2.00250 2.00500 2.00750 2.01000 2.01500 2.02000 2.02500 2.03000 2.04000 2.05000 2.06000 2.07000 2.08000 2.09000 2.10000 2.11000 2.12000 3.00751 3.01502 3.02256 3.03010 3.04522 3.06040 3.07563 3.09090 3.12160 3.15250 3.18360 3.21490 3.24640 3.27810 3.31000 3.34210 3.37440 4.01503 4.03010 4.04523 4.06040 4.09090 4.12161 4.15252 4.18363 4.24646 4.31013 4.37462 4.43994 4.50611 4.57313 4.64100 4.70973 4.77933 5.07556 5.10101 5.15227 5.20404 5.25633 5.30914 5.41632 5.52563 5.63709 5.75074 5.86660 5.98471 6.10510 6.22780 6.35285 6.11363 6.15202 6.22955 6.30812 6.38774 6.46841 6.63298 6.80191 6.97532 7.15329 7.33593 7.52333 7.71561 7.91286 8.11519 7.15948 7.21354 7.32299 7.43428 7.54743 7.66246 7.89829 8.14201 8.39384 8.65402 8.92280 9.20043 9.48717 9.78327 10.08901 8.21318 8.28567 8.43284 8.58297 8.73612 8.89234 9.21423 9.54911 9.89747 10.25980 10.63663 11.02847 11.43589 11.85943 12.29969 9.27478 9.36853 9.55933 9.75463 9.95452 10.15911 10.58280 11.02656 11.49132 11.97799 12.48756 13.02104 13.57948 14.16397 14.77566 10.34434 10.46221 10.70272 10.94972 11.20338 11.46388 12.00611 12.57789 13.18079 13.81645 14.48656 15.19293 15.93742 16.72201 17.54874 11 11.13854 11.27917 11.42192 11.56683 11.86326 12.16872 12.48347 12.80780 13.48635 14.20679 14.97164 15.78360 16.64549 17.56029 18.53117 19.56143 20.65458 12 12.16638 12.33556 12.50759 12.68250 13.04121 13.41209 13.79555 14.19203 15.02581 15.91713 16.86994 17.88845 18.97713 20.14072 21.38428 22.71319 24.13313 13 13.19680 13.39724 13.60139 13.80933 14.23683 14.68033 15.14044 15.61779 16.62684 17.71298 18.88214 20.14064 21.49530 22.95338 24.52271 26.21164 28.02911 14 14.22979 14.46423 14.70340 14.94742 15.45038 15.97394 16.51895 17.08632 18.29191 19.59863 21.01507 22.55049 24.21492 26.01919 27.97498 30.09492 32.39260 15 15.26537 15.53655 15.81368 16.09690 16.68214 17.29342 17.93193 18.59891 20.02359 21.57856 23.27597 25.12902 27.15211 29.36092 31.77248 34.40536 37.27971 16 16.30353 16.61423 16.93228 17.25786 17.93237 18.63929 19.38022 20.15688 21.82453 23.65749 25.67253 27.88805 30.32428 33.00340 35.94973 39.18995 42.75328 17 17.34429 17.69730 18.05927 18.43044 19.20136 20.01207 20.86473 21.76159 23.69751 25.84037 28.21288 30.84022 33.75023 36.97370 40.54470 44.50084 48.88367 18 18.38765 18.78579 19.19472 19.61475 20.48938 21.41231 22.38635 23.41444 25.64541 28.13238 30.90565 33.99903 37.45024 41.30134 45.59917 50.39594 55.74971 19 19.43362 19.87972 20.33868 20.81090 21.79672 22.84056 23.94601 25.11687 27.67123 30.53900 33.75999 37.37896 41.44626 46.01846 51.15909 56.93949 63.43968 20 20.48220 20.97912 21.49122 22.01900 23.12367 24.29737 25.54466 26.87037 29.77808 33.06595 36.78559| 40.99549 45.76196 51.16012 57.27500 64.20283 72.05244 21 21.53341 22.08401 22.65240 23.23919 24.47052 25.78332 27.18327 28.67649 31.96920 35.71925 39.99273 44.86518 50.42292 56.76453 64.00250 72.26514 81.69874 22 22.58724 23.19443 23.82230 24.47159 25.83758 27.29898 28.86286 30.53678 34.24797 38.50521 43.39229 49.00574 55.45676 62.87334 71.40275 81.21431 92.50258 23 23.64371 24.31040 25.00096 25.71630 27.22514 28.84496 30.58443 32.45288 36.61789 41.43048 46.99583 53.43614 60.89330 69.53194 79.54302 91.14788 104.6029 24 24.70282 25.43196 26.18847 26.97346 28.63352 30.42186 32.34904 34.42647 39.08260 44.50200 50.81558 58.17667 66.76476 76.78981 88.49733 102.1742 118.1552 25 25.76457 26.55912 27.38488 28.24320 30.06302 32.03030 34.15776 36.45926 41.64591 47.72710 54.86451 63.24904 73.10594 84.70090 98.34706 114.4133 133.3339 30 31.11331 32.28002 33.50290 34.78489 37.53868 40.56808 43.90270 47.57542 56.08494 66.43885 79.05819 94.46079 113.2832 136.3075 164.4940 199.0209 241.3327 35 36.52924 38.14538 39.85381 41.66028 45.59209 49.99448 54.92821 60.46208 73.65222 90.32031 111.4348 138.2369 172.3168 215.7108 271.0244 341.5896 431.6635 40 42.01320 44.15885 46.44648 48.88637 54.26789 60.40198 67.40255 75.40126 95.02552 120.7998 154.7620 199.6351 259.0565 337.8824 442.5926 581.8261 767.0914 50 53.18868 56.64516 60.39426 64.46318 73.68283 84.57940 97.48435 112.7969 152.6671 209.3480 290.3359 406.5289 573.7702 815.0836 1163.909 1668.771 2400.018 1 2 3 4 5 6 7 06004 FUTURE VALUE OF ORDINARY ANNUITY (annuity in arrears -- end of period payments) RATE PER PERIOD 8 8.07035 P e LOOV 0 d RATE PER PERIOD S 0.25% 10.00% 11.00% 12.00% 1.00% 0.99010 1 0.99751 0.99502 0.90909 0.90090 0.89286 3 0.99254 0.98515 0.97783 4 0.99006 0.98025 0.97055 5 9 0.50% 0.75% 1.50% 2.00% 2.50% 3.00% 4.00% 5.00% 6.00% 7.00% 8.00% 9.00% 0.99256 0.98522 0.98039 0.97561 0.97087 0.96154 0.95238 0.94340 0.93458 0.92593 0.91743 2 0.99502 0.99007 0.98517 0.98030 0.97066 0.96117 0.95181 0.94260 0.92456 0.90703 0.89000 0.87344 0.85734 0.84168 0.82645 0.81162 0.79719 0.97059 0.95632 0.94232 0.92860 0.91514 0.88900 0.86384 0.83962 0.81630 0.79383 0.77218 0.75131 0.73119 0.71178 0.96098 0.94218 0.92385 0.90595 0.88849 0.85480 0.82270 0.79209 0.76290 0.73503 0.70843 0.68301 0.65873 0.63552 0.98759 0.97537 0.96333 0.95147 0.92826 0.90573 0.88385 0.86261 0.82193 0.78353 0.74726 0.71299 0.68058 0.64993 0.62092 0.59345 0.56743 0.98513 0.97052 0.95616 0.94205 0.91454 0.88797 0.86230 0.83748 0.79031 0.74622 0.70496 0.66634 0.63017 0.59627 0.56447 0.53464 0.50663 0.98267 0.96569 0.94904 0.93272 0.90103 0.87056 0.84127 0.81309 0.75992 0.71068 0.66506 0.62275 0.58349 0.54703 0.51316 0.48166 0.45235 8 0.98022 0.96089 0.94198 0.92348 0.88771 0.85349 0.82075 0.78941 0.73069 0.67684 0.62741 0.58201 0.54027 0.50187 0.46651 0.43393 0.40388 0.97778 0.95610 0.93496 0.91434 0.87459 0.83676 0.80073 0.76642 0.70259 0.64461 0.59190 0.54393 0.50025 0.46043 0.42410 0.39092 0.36061 10 0.97534 0.95135 0.92800 0.90529 0.86167 0.82035 0.78120 0.74409 0.67556 0.61391 0.55839 0.50835 0.46319 0.42241 0.38554 0.35218 0.32197 11 0.97291 0.94661 0.92109 0.89632 0.84893 0.80426 0.76214 0.72242 0.64958 0.58468 0.52679 0.47509 0.42888 0.38753 0.35049 0.31728 0.28748 12 0.97048 0.94191 0.91424 0.88745 0.83639 0.78849 0.74356 0.70138 0.62460 0.55684 0.49697 0.44401 0.39711 0.35553 0.31863 0.28584 0.25668 13 0.96806 0.93722 0.90743 0.87866 0.82403 0.77303 0.72542 0.68095 0.60057 0.53032 0.46884 0.41496 0.36770 0.32618 0.28966 0.25751 0.22917 14 0.96565 0.93256 0.90068 0.86996 0.81185 0.75788 0.70773 0.66112 0.57748 0.50507 0.44230 0.38782 0.34046 0.29925 0.26333 0.23199 0.20462 15 0.96324 0.92792 0.89397 0.86135 0.79985 0.74301 0.69047 0.64186 0.55526 0.48102 0.41727 0.36245 0.31524 0.27454 0.23939 0.20900 0.18270 16 0.96084 0.92330 0.88732 0.85282 0.78803 0.72845 0.67362 0.62317 0.53391 0.45811 0.39365 0.33873 0.29189 0.25187 0.21763 0.18829 0.16312 17 0.95844 0.91871 0.88071 0.84438 0.77639 0.71416 0.65720 0.60502 0.51337 0.43630 0.37136 0.31657 0.27027 0.23107 0.19784 0.16963 0.14564 18 0.95605 0.91414 0.87416 0.83602 0.76491 0.70016 0.64117 0.58739 0.49363 0.41552 0.35034 0.29586 0.25025 0.21199 0.17986 0.15282 0.13004 19 0.95367 0.90959 0.86765 0.82774 0.75361 0.68643 0.62553 0.57029 0.47464 0.39573 0.33051 0.27651 0.23171 0.19449 0.16351 0.13768 0.11611 20 0.95129 0.90506 0.86119 0.81954 0.74247 0.67297 0.61027 0.55368 0.45639 0.37689 0.31180 0.25842 0.21455 0.17843 0.14864 0.12403 0.10367 21 0.94892 0.90056 0.85478 0.81143 0.73150 0.65978 0.59539 0.53755 0.43883 0.35894 0.29416 0.24151 0.19866 0.16370 0.13513 0.11174 0.09256 0.84842 0.80340 0.72069 0.64684 0.58086 0.52189 0.42196 0.34185 0.27751 0.22571 0.18394 0.15018 0.12285 0.10067 0.08264 0.84210 0.79544 0.71004 0.63416 0.56670 0.50669 0.40573 0.32557 0.26180 0.21095 0.17032 0.13778 0.11168 0.09069 0.07379 0.88719 0.83583 0.78757 0.69954 0.62172 0.55288 0.49193 0.39012 0.31007 0.24698 0.19715 0.15770 0.12640 0.10153 0.08170 0.06588 0.88277 0.82961 0.77977 0.68921 0.60953 0.53939 0.47761 0.37512 0.29530 0.23300 0.18425 0.14602 0.11597 0.09230 0.07361 0.05882 30 0.92783 0.86103 0.79919 0.74192 0.63976 0.55207 0.47674 0.41199 0.30832 0.23138 0.17411 0.13137 0.09938 0.07537 0.05731 0.04368 0.03338 35 0.91632 0.83982 0.76988 0.70591 0.59387 0.50003 0.42137 0.35538 0.25342 0.18129 0.13011 0.09366 0.06763 0.04899 0.03558 0.02592 0.01894 40 0.90495 0.81914 0.74165 0.67165 0.55126 0.45289 0.37243 0.30656 0.20829 0.14205 0.09722 0.06678 0.04603 0.03184 0.02209 0.01538 0.01075 50 0.88263 0.77929 0.68825 0.60804 0.47500 0.37153 0.29094 0.22811 0.14071 0.08720 0.05429 0.03395 0.02132 0.01345 0.00852 0.00542 0.00346 0.94655 0.89608 0.94419 0.89162 24 0.94184 25 0.93949 6 7 0 2 PRESENT VALUE OF $1 2223283 L. O D S 0.25% 1 0.99751 2 1.99252 1.69005 0.50% 0.75% 1.00% 1.50% 2.00% 2.50% 3.00% 4.00% 5.00% 6.00% 7.00% 8.00% 9.00% 10.00% 11.00% 12.00% 0.99502 0.99256 0.99010 0.98522 0.98039 0.97561 0.97087 0.96154 0.95238 0.94340 0.93458 0.92593 0.91743 0.90909 0.90090 0.89286 1.98510 1.97772 1.97040 1.95588 1.94156 1.92742 1.91347 1.88609 1.85941 1.83339 1.80802 1.78326 1.75911 1.73554 1.71252 3 2.98506 2.97025 2.95556 2.94099 2.91220 2.88388 2.85602 2.82861 2.77509 2.72325 2.67301 2.62432 2.57710 2.53129 2.48685 2.44371 2.40183 4 3.97512 3.95050 3.92611 3.90197 3.85438 3.80773 3.76197 3.71710 3.62990 3.54595 3.46511 3.38721 3.31213 3.23972 3.16987 3.10245 3.03735 5 4.96272 4.92587 4.88944 4.85343 4.78264 4.71346 4.64583 4.57971 4.45182 4.32948 4.21236 4.10020 3.99271 3.88965 3.79079 3.69590 3.60478 5.94785 5.89638 5.84560 5.79548 5.69719 5.60143 5.50813 5.41719 5.24214 5.07569 4.91732 4.76654 4.62288 4.48592 4.35526 4.23054 4.11141 7 6.93052 6.86207 6.79464 6.72819 6.59821 6.47199 6.34939 6.23028 6.00205 5.78637 5.58238 5.38929 5.20637 5.03295 4.86842 4.71220 4.56376 8 7.91074 7.82296 7.73661 7.65168 7.48593 7.32548 7.17014 7.01969 6.73274 6.46321 6.20979 5.97130 5.74664 5.53482 5.33493 5.14612 4.96764 9 8.88852 8.77906 8.67158 8.56602 8.36052 8.16224 7.97087 7.78611 7.43533 7.10782 6.80169 6.51523 6.24689 5.99525 5.75902 5.53705 5.32825 10 9.86386 9.73041 9.59958 9.47130 9.22218 8.98259 8.75206 8.53020 8.11090 7.72173 7.36009 7.02358 6.71008 6.41766 6.14457 5.88923 5.65022 11 10.83677 10.67703 10.52067 10.36763 10.07112 9.78685 9.51421 9.25262 8.76048 8.30641 7.88687 7.49867 7.13896 6.80519 6.49506 6.20652 5.93770 8.86325 8.38384 7.94269 7.53608 7.16073 6.81369 6.49236 6.19437 8.35765 7.90378 7.48690 7.10336 6.74987 6.42355 12 11.80725 11.61893 11.43491 11.25508 10.90751 10.57534 10.25776 9.95400 9.38507 13 12.77532 12.55615 12.34235 12.13374 11.73153 11.34837 10.98318 10.63496 9.98565 9.39357 8.85268 14 13.74096 13.48871 13.24302 13.00370 12.54338 12.10625 11.69091 11.29607 10.56312 9.89864 9.29498 8.74547 8.24424 7.78615 7.36669 6.98187 6.62817 15 14.70420 14.41662 14.13699 13.86505 13.34323 12.84926 12.38138 11.93794 11.11839 10.37966 9.71225 9.10791 8.55948 8.06069 7.60608 7.19087 6.81086 16 15.66504 15.33993 15.02431 14.71787 14.13126 13.57771 13.05500 12.56110 11.65230 10.83777 10.10590 9.44665 8.85137 8.31256 7.82371 7.37916 6.97399 17 16.62348 16.25863 15.90502 15.56225 14.90765 14.29187 13.71220 13.16612 12.16567 11.27407 10.47726 9.76322 9.12164 8.54363 8.02155 7.54879 7.11963 18 17.57953 17.17277 16.77918 16.39827 15.67256 14.99203 14.35336 13.75351 12.65930 11.68959 10.82760 10.05909 9.37189 8.75563 8.20141 7.70162 7.24967 19 18.53320 18.08236 17.64683 17.22601 16.42617 15.67846 14.97889 14.32380 13.13394 12.08532 11.15812 10.33560 9.60360 8.95011 8.36492 7.83929 7.36578 20 19.48449 18.98742 18.50802 18.04555 17.16864 16.35143 15.58916 14.87747 13.59033 12.46221 11.46992 10.59401 9.81815 9.12855 8.51356 7.96333 7.46944 21 20.43340 19.88798 19.36280 18.85698 17.90014 17.01121 16.18455 15.41502 14.02916 12.82115 11.76408 10.83553 10.01680 9.29224 8.64869 8.07507 7.56200 22 21.37995 20.78406 20.21121 19.66038 18.62082 17.65805 16.76541 15.93692 14.45112 13.16300 12.04158 11.06124 10.20074 9.44243 8.77154 8.17574 7.64465 23 22.32414 21.67568 21.05331 20.45582 19.33086 18.29220 17.33211 16.44361 14.85684 13.48857 12.30338 11.27219 10.37106 9.58021 8.88322 8.26643 7.71843 24 23.26598 22.56287 21.88915 21.24339 20.03041 18.91393 17.88499 16.93554 15.24696 13.79864 12.55036 11.46933 10.52876 9.70661 8.98474 8.34814 7.78432 25 24.20547 23.44564 22.71876 22.02316 20.71961 19.52346 18.42438 17.41315 15.62208 14.09394 12.78336 11.65358 10.67478 9.82258 9.07704 8.42174 7.84314 30 28.86787 27.79405 26.77508 25.80771 24.01584 22.39646 20.93029 19.60044 17.29203 15.37245 13.76483 12.40904 11.25778 10.27365 9.42691 8.69379 8.05518 35 33.47243 32.03537 30.68266 29.40858 27.07559 24.99862 23.14516 21.48722 18.66461 16.37419 14.49825 12.94767 11.65457 10.56682 9.64416 8.85524 40 38.01986 36.17223 34.44694 32.83469 29.91585 27.35548 25.10278 23.11477 19.79277 17.15909 15.04630 13.33171 11.92461 10.75736 9.77905 8.95105 8.24378 50 46.94617 44.14279 41.56645 39.19612 34.99969 31.42361 28.36231 25.72976 21.48218 18.25593 15.76186 13.80075 12.23348 10.96168 9.91481 9.04165 8.30450 8.17550 PRESENT VALUE OF ORDINARY ANNUITY (annuity in arrears -- end of period payments) RATE PER PERIOD -NM + 6000 PLO RATE PER PERIOD S 0.25% 0.50% 0.75% 1.00750 1 1.00250 1.00500 4 7 1.00% 1.50% 2.00% 2.50% 3.00% 4.00% 5.00% 6.00% 7.00% 8.00% 9.00% 10.00% 11.00% 12.00% 1.01000 1.01500 1.02000 1.02500 1.03000 1.04000 1.05000 1.06000 1.07000 1.08000 1.09000 1.10000 1.11000 1.12000 2 1.00501 1.01003 1.01506 1.02010 1.03023 1.04040 1.05063 1.06090 1.08160 1.10250 1.12360 1.14490 1.16640 1.18810 1.21000 1.23210 1.25440 3 1.00752 1.01508 1.02267 1.03030 1.04568 1.06121 1.07689 1.09273 1.12486 1.15763 1.19102 1.22504 1.25971 1.29503 1.33100 1.36763 1.40493 1.01004 1.02015 1.03034 1.04060 1.06136 1.08243 1.10381 1.12551 1.16986 1.21551 1.26248 1.31080 1.36049 1.41158 1.46410 1.51807 1.57352 1.01256 1.02525 1.03807 1.05101 1.07728 1.10408 1.13141 1.15927 1.21665 1.27628 1.33823 1.40255 1.46933 1.53862 1.61051 1.68506 1.76234 1.01509 1.03038 1.04585 1.06152 1.09344 1.12616 1.15969 1.19405 1.26532 1.34010 1.41852 1.50073 1.58687 1.67710 1.77156 1.87041 1.97382 1.01763 1.03553 1.05370 1.07214 1.10984 1.14869 1.18869 1.22987 1.31593 1.40710 1.50363 1.60578 1.71382 1.82804 1.94872 2.07616 2.21068 8 1.02018 1.04071 1.06160 1.08286 1.12649 1.17166 1.21840 1.26677 1.36857 1.47746 1.59385 1.71819 1.85093 1.99256 2.14359 2.30454 2.47596 9 1.02273 1.04591 1.06956 1.09369 1.14339 1.19509 1.24886 1.30477 1.42331 1.55133 1.68948 1.83846 1.99900 2.17189 2.35795 2.55804 2.77308 10 1.02528 1.05114 1.07758 1.10462 1.16054 1.21899 1.28008 1.34392 1.48024 1.62889 1.79085 1.96715 2.15892 2.36736 2.59374 2.83942 3.10585 11 1.02785 1.05640 1.08566 1.11567 1.17795 1.24337 1.31209 1.38423 1.53945 1.71034 1.89830 2.10485 2.33164 2.58043 2.85312 3.15176 3.47855 12 1.03042 1.06168 1.09381 1.12683 1.19562 1.26824 1.34489 1.42576 1.60103 1.79586 2.01220 2.25219 2.51817 2.81266 3.13843 3.49845 3.89598 13 1.03299 1.06699 1.10201 1.13809 1.21355 1.29361 1.37851 1.46853 1.66507 1.88565 2.13293 2.40985 2.71962 3.06580 3.45227 3.88328 4.36349 14 1.03557 1.07232 1.11028 1.14947 1.23176 1.31948 1.41297 1.51259 1.73168 1.97993 2.26090 2.57853 2.93719 3.34173 3.79750 4.31044 4.88711 15 1.03816 1.07768 1.11860 1.16097 1.25023 1.34587 1.44830 1.55797 1.80094 2.07893 2.39656 2.75903 3.17217 3.64248 4.17725 4.78459 5.47357 16 1.04076 1.08307 1.12699 1.17258 1.26899 1.37279 1.48451 1.60471 1.87298 2.18287 2.54035 2.95216 3.42594 3.97031 4.59497 5.31089 6.13039 17 1.04336 1.08849 1.13544 1.18430 1.28802 1.40024 1.52162 1.65285 1.94790 2.29202 2.69277 3.15882 3.70002 4.32763 5.05447 5.89509 6.86604 1.04597 1.09393 1.14396 1.30734 1.42825 1.55966 1.70243 2.02582 2.40662 2.85434 3.37993 3.99602 4.71712 5.55992 6.54355 7.68997 19 1.04858 1.09940 1.15254 1.32695 1.45681 1.59865 1.75351 2.10685 2.52695 3.02560 3.61653 4.31570 5.14166 6.11591 7.26334 8.61276 20 1.05121 1.10490 1.16118 1.34686 1.48595 1.63862 1.80611 2.19112 2.65330 3.20714 3.86968 4.66096 5.60441 6.72750 8.06231 9.64629 21 1.05383 1.11042 1.16989 1.23239 1.51567 1.67958 1.86029 2.27877 2.78596 3.39956 4.14056 5.03383 6.10881 7.40025 8.94917 10.80385 22 1.05647 1.11597 1.17867 1.24472 1.38756 1.54598 1.72157 1.91610 2.36992 2.92526 3.60354 4.43040 5.43654 6.65860 8.14027 9.93357 12.10031 23 1.05911 1.12155 1.18751 1.25716 1.40838 1.57690 1.76461 1.97359 2.46472 3.07152 3.81975 4.74053 5.87146 7.25787 8.95430 11.02627 13.55235 24 1.06176 1.12716 1.19641 1.26973 1.42950 1.60844 1.80873 2.03279 2.56330 3.22510 4.04893 5.07237 6.34118 7.91108 9.84973 12.23916 15.17863 25 1.06441 1.13280 1.20539 1.28243 1.45095 1.64061 1.85394 2.09378 2.66584 3.38635 4.29187 5.42743 6.84848 8.62308 10.83471 13.58546 17.00006 30 1.07778 1.16140 1.25127 1.34785 1.56308 1.81136 2.09757 2.42726 3.24340 4.32194 5.74349 7.61226 10.06266 13.26768 17.44940 22.89230 29.95992 35 1.09132 1.19073 1.29890 1.41660 1.68388 1.99989 2.37321 2.81386 3.94609 5.51602 7.68609 10.67658 14.78534 20.41397 28.10244 38.57485 52.79962 40 1.10503 1.22079 1.34835 1.48886 1.81402 2.20804 2.68506 3.26204 4.80102 7.03999 10.28572 14.97446 21.72452 31.40942 45.25926 65.00087 93.05097 50 1.13297 1.28323 1.45296 1.64463 2.10524 2.69159 3.43711 4.38391 7.10668 11.46740 18.42015 29.45703 46.90161 74.35752 117.3909 184.5648 289.0022 18 1.19615 1.20811 1.22019 1.36706 WN 495 FUTURE VALUE OF $1 6 PLO RATE PER PERIOD S 0.25% 0.50% 0.75% 1.00750 1 1.00250 1.00500 4 7 1.00% 1.50% 2.00% 2.50% 3.00% 4.00% 5.00% 6.00% 7.00% 8.00% 9.00% 10.00% 11.00% 12.00% 1.01000 1.01500 1.02000 1.02500 1.03000 1.04000 1.05000 1.06000 1.07000 1.08000 1.09000 1.10000 1.11000 1.12000 2 1.00501 1.01003 1.01506 1.02010 1.03023 1.04040 1.05063 1.06090 1.08160 1.10250 1.12360 1.14490 1.16640 1.18810 1.21000 1.23210 1.25440 3 1.00752 1.01508 1.02267 1.03030 1.04568 1.06121 1.07689 1.09273 1.12486 1.15763 1.19102 1.22504 1.25971 1.29503 1.33100 1.36763 1.40493 1.01004 1.02015 1.03034 1.04060 1.06136 1.08243 1.10381 1.12551 1.16986 1.21551 1.26248 1.31080 1.36049 1.41158 1.46410 1.51807 1.57352 1.01256 1.02525 1.03807 1.05101 1.07728 1.10408 1.13141 1.15927 1.21665 1.27628 1.33823 1.40255 1.46933 1.53862 1.61051 1.68506 1.76234 1.01509 1.03038 1.04585 1.06152 1.09344 1.12616 1.15969 1.19405 1.26532 1.34010 1.41852 1.50073 1.58687 1.67710 1.77156 1.87041 1.97382 1.01763 1.03553 1.05370 1.07214 1.10984 1.14869 1.18869 1.22987 1.31593 1.40710 1.50363 1.60578 1.71382 1.82804 1.94872 2.07616 2.21068 8 1.02018 1.04071 1.06160 1.08286 1.12649 1.17166 1.21840 1.26677 1.36857 1.47746 1.59385 1.71819 1.85093 1.99256 2.14359 2.30454 2.47596 9 1.02273 1.04591 1.06956 1.09369 1.14339 1.19509 1.24886 1.30477 1.42331 1.55133 1.68948 1.83846 1.99900 2.17189 2.35795 2.55804 2.77308 10 1.02528 1.05114 1.07758 1.10462 1.16054 1.21899 1.28008 1.34392 1.48024 1.62889 1.79085 1.96715 2.15892 2.36736 2.59374 2.83942 3.10585 11 1.02785 1.05640 1.08566 1.11567 1.17795 1.24337 1.31209 1.38423 1.53945 1.71034 1.89830 2.10485 2.33164 2.58043 2.85312 3.15176 3.47855 12 1.03042 1.06168 1.09381 1.12683 1.19562 1.26824 1.34489 1.42576 1.60103 1.79586 2.01220 2.25219 2.51817 2.81266 3.13843 3.49845 3.89598 13 1.03299 1.06699 1.10201 1.13809 1.21355 1.29361 1.37851 1.46853 1.66507 1.88565 2.13293 2.40985 2.71962 3.06580 3.45227 3.88328 4.36349 14 1.03557 1.07232 1.11028 1.14947 1.23176 1.31948 1.41297 1.51259 1.73168 1.97993 2.26090 2.57853 2.93719 3.34173 3.79750 4.31044 4.88711 15 1.03816 1.07768 1.11860 1.16097 1.25023 1.34587 1.44830 1.55797 1.80094 2.07893 2.39656 2.75903 3.17217 3.64248 4.17725 4.78459 5.47357 16 1.04076 1.08307 1.12699 1.17258 1.26899 1.37279 1.48451 1.60471 1.87298 2.18287 2.54035 2.95216 3.42594 3.97031 4.59497 5.31089 6.13039 17 1.04336 1.08849 1.13544 1.18430 1.28802 1.40024 1.52162 1.65285 1.94790 2.29202 2.69277 3.15882 3.70002 4.32763 5.05447 5.89509 6.86604 1.04597 1.09393 1.14396 1.30734 1.42825 1.55966 1.70243 2.02582 2.40662 2.85434 3.37993 3.99602 4.71712 5.55992 6.54355 7.68997 19 1.04858 1.09940 1.15254 1.32695 1.45681 1.59865 1.75351 2.10685 2.52695 3.02560 3.61653 4.31570 5.14166 6.11591 7.26334 8.61276 20 1.05121 1.10490 1.16118 1.34686 1.48595 1.63862 1.80611 2.19112 2.65330 3.20714 3.86968 4.66096 5.60441 6.72750 8.06231 9.64629 21 1.05383 1.11042 1.16989 1.23239 1.51567 1.67958 1.86029 2.27877 2.78596 3.39956 4.14056 5.03383 6.10881 7.40025 8.94917 10.80385 22 1.05647 1.11597 1.17867 1.24472 1.38756 1.54598 1.72157 1.91610 2.36992 2.92526 3.60354 4.43040 5.43654 6.65860 8.14027 9.93357 12.10031 23 1.05911 1.12155 1.18751 1.25716 1.40838 1.57690 1.76461 1.97359 2.46472 3.07152 3.81975 4.74053 5.87146 7.25787 8.95430 11.02627 13.55235 24 1.06176 1.12716 1.19641 1.26973 1.42950 1.60844 1.80873 2.03279 2.56330 3.22510 4.04893 5.07237 6.34118 7.91108 9.84973 12.23916 15.17863 25 1.06441 1.13280 1.20539 1.28243 1.45095 1.64061 1.85394 2.09378 2.66584 3.38635 4.29187 5.42743 6.84848 8.62308 10.83471 13.58546 17.00006 30 1.07778 1.16140 1.25127 1.34785 1.56308 1.81136 2.09757 2.42726 3.24340 4.32194 5.74349 7.61226 10.06266 13.26768 17.44940 22.89230 29.95992 35 1.09132 1.19073 1.29890 1.41660 1.68388 1.99989 2.37321 2.81386 3.94609 5.51602 7.68609 10.67658 14.78534 20.41397 28.10244 38.57485 52.79962 40 1.10503 1.22079 1.34835 1.48886 1.81402 2.20804 2.68506 3.26204 4.80102 7.03999 10.28572 14.97446 21.72452 31.40942 45.25926 65.00087 93.05097 50 1.13297 1.28323 1.45296 1.64463 2.10524 2.69159 3.43711 4.38391 7.10668 11.46740 18.42015 29.45703 46.90161 74.35752 117.3909 184.5648 289.0022 18 1.19615 1.20811 1.22019 1.36706 WN 495 FUTURE VALUE OF $1 6 - OO S 0.25% 5.02506 5.05025 6.03763 6.07550 7.05272 7.10588 8.14141 9.18212 9 9.09053 10 10.11325 10.22803 0.50% 0.75% 1.00% 1.50% 2.00% 2.50% 3.00% 4.00% 5.00% 6.00% 7.00% 8.00% 9.00% 10.00% 11.00% 12.00% 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 2.00250 2.00500 2.00750 2.01000 2.01500 2.02000 2.02500 2.03000 2.04000 2.05000 2.06000 2.07000 2.08000 2.09000 2.10000 2.11000 2.12000 3.00751 3.01502 3.02256 3.03010 3.04522 3.06040 3.07563 3.09090 3.12160 3.15250 3.18360 3.21490 3.24640 3.27810 3.31000 3.34210 3.37440 4.01503 4.03010 4.04523 4.06040 4.09090 4.12161 4.15252 4.18363 4.24646 4.31013 4.37462 4.43994 4.50611 4.57313 4.64100 4.70973 4.77933 5.07556 5.10101 5.15227 5.20404 5.25633 5.30914 5.41632 5.52563 5.63709 5.75074 5.86660 5.98471 6.10510 6.22780 6.35285 6.11363 6.15202 6.22955 6.30812 6.38774 6.46841 6.63298 6.80191 6.97532 7.15329 7.33593 7.52333 7.71561 7.91286 8.11519 7.15948 7.21354 7.32299 7.43428 7.54743 7.66246 7.89829 8.14201 8.39384 8.65402 8.92280 9.20043 9.48717 9.78327 10.08901 8.21318 8.28567 8.43284 8.58297 8.73612 8.89234 9.21423 9.54911 9.89747 10.25980 10.63663 11.02847 11.43589 11.85943 12.29969 9.27478 9.36853 9.55933 9.75463 9.95452 10.15911 10.58280 11.02656 11.49132 11.97799 12.48756 13.02104 13.57948 14.16397 14.77566 10.34434 10.46221 10.70272 10.94972 11.20338 11.46388 12.00611 12.57789 13.18079 13.81645 14.48656 15.19293 15.93742 16.72201 17.54874 11 11.13854 11.27917 11.42192 11.56683 11.86326 12.16872 12.48347 12.80780 13.48635 14.20679 14.97164 15.78360 16.64549 17.56029 18.53117 19.56143 20.65458 12 12.16638 12.33556 12.50759 12.68250 13.04121 13.41209 13.79555 14.19203 15.02581 15.91713 16.86994 17.88845 18.97713 20.14072 21.38428 22.71319 24.13313 13 13.19680 13.39724 13.60139 13.80933 14.23683 14.68033 15.14044 15.61779 16.62684 17.71298 18.88214 20.14064 21.49530 22.95338 24.52271 26.21164 28.02911 14 14.22979 14.46423 14.70340 14.94742 15.45038 15.97394 16.51895 17.08632 18.29191 19.59863 21.01507 22.55049 24.21492 26.01919 27.97498 30.09492 32.39260 15 15.26537 15.53655 15.81368 16.09690 16.68214 17.29342 17.93193 18.59891 20.02359 21.57856 23.27597 25.12902 27.15211 29.36092 31.77248 34.40536 37.27971 16 16.30353 16.61423 16.93228 17.25786 17.93237 18.63929 19.38022 20.15688 21.82453 23.65749 25.67253 27.88805 30.32428 33.00340 35.94973 39.18995 42.75328 17 17.34429 17.69730 18.05927 18.43044 19.20136 20.01207 20.86473 21.76159 23.69751 25.84037 28.21288 30.84022 33.75023 36.97370 40.54470 44.50084 48.88367 18 18.38765 18.78579 19.19472 19.61475 20.48938 21.41231 22.38635 23.41444 25.64541 28.13238 30.90565 33.99903 37.45024 41.30134 45.59917 50.39594 55.74971 19 19.43362 19.87972 20.33868 20.81090 21.79672 22.84056 23.94601 25.11687 27.67123 30.53900 33.75999 37.37896 41.44626 46.01846 51.15909 56.93949 63.43968 20 20.48220 20.97912 21.49122 22.01900 23.12367 24.29737 25.54466 26.87037 29.77808 33.06595 36.78559| 40.99549 45.76196 51.16012 57.27500 64.20283 72.05244 21 21.53341 22.08401 22.65240 23.23919 24.47052 25.78332 27.18327 28.67649 31.96920 35.71925 39.99273 44.86518 50.42292 56.76453 64.00250 72.26514 81.69874 22 22.58724 23.19443 23.82230 24.47159 25.83758 27.29898 28.86286 30.53678 34.24797 38.50521 43.39229 49.00574 55.45676 62.87334 71.40275 81.21431 92.50258 23 23.64371 24.31040 25.00096 25.71630 27.22514 28.84496 30.58443 32.45288 36.61789 41.43048 46.99583 53.43614 60.89330 69.53194 79.54302 91.14788 104.6029 24 24.70282 25.43196 26.18847 26.97346 28.63352 30.42186 32.34904 34.42647 39.08260 44.50200 50.81558 58.17667 66.76476 76.78981 88.49733 102.1742 118.1552 25 25.76457 26.55912 27.38488 28.24320 30.06302 32.03030 34.15776 36.45926 41.64591 47.72710 54.86451 63.24904 73.10594 84.70090 98.34706 114.4133 133.3339 30 31.11331 32.28002 33.50290 34.78489 37.53868 40.56808 43.90270 47.57542 56.08494 66.43885 79.05819 94.46079 113.2832 136.3075 164.4940 199.0209 241.3327 35 36.52924 38.14538 39.85381 41.66028 45.59209 49.99448 54.92821 60.46208 73.65222 90.32031 111.4348 138.2369 172.3168 215.7108 271.0244 341.5896 431.6635 40 42.01320 44.15885 46.44648 48.88637 54.26789 60.40198 67.40255 75.40126 95.02552 120.7998 154.7620 199.6351 259.0565 337.8824 442.5926 581.8261 767.0914 50 53.18868 56.64516 60.39426 64.46318 73.68283 84.57940 97.48435 112.7969 152.6671 209.3480 290.3359 406.5289 573.7702 815.0836 1163.909 1668.771 2400.018 1 2 3 4 5 6 7 06004 FUTURE VALUE OF ORDINARY ANNUITY (annuity in arrears -- end of period payments) RATE PER PERIOD 8 8.07035 - OO S 0.25% 5.02506 5.05025 6.03763 6.07550 7.05272 7.10588 8.14141 9.18212 9 9.09053 10 10.11325 10.22803 0.50% 0.75% 1.00% 1.50% 2.00% 2.50% 3.00% 4.00% 5.00% 6.00% 7.00% 8.00% 9.00% 10.00% 11.00% 12.00% 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 1.00000 2.00250 2.00500 2.00750 2.01000 2.01500 2.02000 2.02500 2.03000 2.04000 2.05000 2.06000 2.07000 2.08000 2.09000 2.10000 2.11000 2.12000 3.00751 3.01502 3.02256 3.03010 3.04522 3.06040 3.07563 3.09090 3.12160 3.15250 3.18360 3.21490 3.24640 3.27810 3.31000 3.34210 3.37440 4.01503 4.03010 4.04523 4.06040 4.09090 4.12161 4.15252 4.18363 4.24646 4.31013 4.37462 4.43994 4.50611 4.57313 4.64100 4.70973 4.77933 5.07556 5.10101 5.15227 5.20404 5.25633 5.30914 5.41632 5.52563 5.63709 5.75074 5.86660 5.98471 6.10510 6.22780 6.35285 6.11363 6.15202 6.22955 6.30812 6.38774 6.46841 6.63298 6.80191 6.97532 7.15329 7.33593 7.52333 7.71561 7.91286 8.11519 7.15948 7.21354 7.32299 7.43428 7.54743 7.66246 7.89829 8.14201 8.39384 8.65402 8.92280 9.20043 9.48717 9.78327 10.08901 8.21318 8.28567 8.43284 8.58297 8.73612 8.89234 9.21423 9.54911 9.89747 10.25980 10.63663 11.02847 11.43589 11.85943 12.29969 9.27478 9.36853 9.55933 9.75463 9.95452 10.15911 10.58280 11.02656 11.49132 11.97799 12.48756 13.02104 13.57948 14.16397 14.77566 10.34434 10.46221 10.70272 10.94972 11.20338 11.46388 12.00611 12.57789 13.18079 13.81645 14.48656 15.19293 15.93742 16.72201 17.54874 11 11.13854 11.27917 11.42192 11.56683 11.86326 12.16872 12.48347 12.80780 13.48635 14.20679 14.97164 15.78360 16.64549 17.56029 18.53117 19.56143 20.65458 12 12.16638 12.33556 12.50759 12.68250 13.04121 13.41209 13.79555 14.19203 15.02581 15.91713 16.86994 17.88845 18.97713 20.14072 21.38428 22.71319 24.13313 13 13.19680 13.39724 13.60139 13.80933 14.23683 14.68033 15.14044 15.61779 16.62684 17.71298 18.88214 20.14064 21.49530 22.95338 24.52271 26.21164 28.02911 14 14.22979 14.46423 14.70340 14.94742 15.45038 15.97394 16.51895 17.08632 18.29191 19.59863 21.01507 22.55049 24.21492 26.01919 27.97498 30.09492 32.39260 15 15.26537 15.53655 15.81368 16.09690 16.68214 17.29342 17.93193 18.59891 20.02359 21.57856 23.27597 25.12902 27.15211 29.36092 31.77248 34.40536 37.27971 16 16.30353 16.61423 16.93228 17.25786 17.93237 18.63929 19.38022 20.15688 21.82453 23.65749 25.67253 27.88805 30.32428 33.00340 35.94973 39.18995 42.75328 17 17.34429 17.69730 18.05927 18.43044 19.20136 20.01207 20.86473 21.76159 23.69751 25.84037 28.21288 30.84022 33.75023 36.97370 40.54470 44.50084 48.88367 18 18.38765 18.78579 19.19472 19.61475 20.48938 21.41231 22.38635 23.41444 25.64541 28.13238 30.90565 33.99903 37.45024 41.30134 45.59917 50.39594 55.74971 19 19.43362 19.87972 20.33868 20.81090 21.79672 22.84056 23.94601 25.11687 27.67123 30.53900 33.75999 37.37896 41.44626 46.01846 51.15909 56.93949 63.43968 20 20.48220 20.97912 21.49122 22.01900 23.12367 24.29737 25.54466 26.87037 29.77808 33.06595 36.78559| 40.99549 45.76196 51.16012 57.27500 64.20283 72.05244 21 21.53341 22.08401 22.65240 23.23919 24.47052 25.78332 27.18327 28.67649 31.96920 35.71925 39.99273 44.86518 50.42292 56.76453 64.00250 72.26514 81.69874 22 22.58724 23.19443 23.82230 24.47159 25.83758 27.29898 28.86286 30.53678 34.24797 38.50521 43.39229 49.00574 55.45676 62.87334 71.40275 81.21431 92.50258 23 23.64371 24.31040 25.00096 25.71630 27.22514 28.84496 30.58443 32.45288 36.61789 41.43048 46.99583 53.43614 60.89330 69.53194 79.54302 91.14788 104.6029 24 24.70282 25.43196 26.18847 26.97346 28.63352 30.42186 32.34904 34.42647 39.08260 44.50200 50.81558 58.17667 66.76476 76.78981 88.49733 102.1742 118.1552 25 25.76457 26.55912 27.38488 28.24320 30.06302 32.03030 34.15776 36.45926 41.64591 47.72710 54.86451 63.24904 73.10594 84.70090 98.34706 114.4133 133.3339 30 31.11331 32.28002 33.50290 34.78489 37.53868 40.56808 43.90270 47.57542 56.08494 66.43885 79.05819 94.46079 113.2832 136.3075 164.4940 199.0209 241.3327 35 36.52924 38.14538 39.85381 41.66028 45.59209 49.99448 54.92821 60.46208 73.65222 90.32031 111.4348 138.2369 172.3168 215.7108 271.0244 341.5896 431.6635 40 42.01320 44.15885 46.44648 48.88637 54.26789 60.40198 67.40255 75.40126 95.02552 120.7998 154.7620 199.6351 259.0565 337.8824 442.5926 581.8261 767.0914 50 53.18868 56.64516 60.39426 64.46318 73.68283 84.57940 97.48435 112.7969 152.6671 209.3480 290.3359 406.5289 573.7702 815.0836 1163.909 1668.771 2400.018 1 2 3 4 5 6 7 06004 FUTURE VALUE OF ORDINARY ANNUITY (annuity in arrears -- end of period payments) RATE PER PERIOD 8 8.07035 P e LOOV 0 d RATE PER PERIOD S 0.25% 10.00% 11.00% 12.00% 1.00% 0.99010 1 0.99751 0.99502 0.90909 0.90090 0.89286 3 0.99254 0.98515 0.97783 4 0.99006 0.98025 0.97055 5 9 0.50% 0.75% 1.50% 2.00% 2.50% 3.00% 4.00% 5.00% 6.00% 7.00% 8.00% 9.00% 0.99256 0.98522 0.98039 0.97561 0.97087 0.96154 0.95238 0.94340 0.93458 0.92593 0.91743 2 0.99502 0.99007 0.98517 0.98030 0.97066 0.96117 0.95181 0.94260 0.92456 0.90703 0.89000 0.87344 0.85734 0.84168 0.82645 0.81162 0.79719 0.97059 0.95632 0.94232 0.92860 0.91514 0.88900 0.86384 0.83962 0.81630 0.79383 0.77218 0.75131 0.73119 0.71178 0.96098 0.94218 0.92385 0.90595 0.88849 0.85480 0.82270 0.79209 0.76290 0.73503 0.70843 0.68301 0.65873 0.63552 0.98759 0.97537 0.96333 0.95147 0.92826 0.90573 0.88385 0.86261 0.82193 0.78353 0.74726 0.71299 0.68058 0.64993 0.62092 0.59345 0.56743 0.98513 0.97052 0.95616 0.94205 0.91454 0.88797 0.86230 0.83748 0.79031 0.74622 0.70496 0.66634 0.63017 0.59627 0.56447 0.53464 0.50663 0.98267 0.96569 0.94904 0.93272 0.90103 0.87056 0.84127 0.81309 0.75992 0.71068 0.66506 0.62275 0.58349 0.54703 0.51316 0.48166 0.45235 8 0.98022 0.96089 0.94198 0.92348 0.88771 0.85349 0.82075 0.78941 0.73069 0.67684 0.62741 0.58201 0.54027 0.50187 0.46651 0.43393 0.40388 0.97778 0.95610 0.93496 0.91434 0.87459 0.83676 0.80073 0.76642 0.70259 0.64461 0.59190 0.54393 0.50025 0.46043 0.42410 0.39092 0.36061 10 0.97534 0.95135 0.92800 0.90529 0.86167 0.82035 0.78120 0.74409 0.67556 0.61391 0.55839 0.50835 0.46319 0.42241 0.38554 0.35218 0.32197 11 0.97291 0.94661 0.92109 0.89632 0.84893 0.80426 0.76214 0.72242 0.64958 0.58468 0.52679 0.47509 0.42888 0.38753 0.35049 0.31728 0.28748 12 0.97048 0.94191 0.91424 0.88745 0.83639 0.78849 0.74356 0.70138 0.62460 0.55684 0.49697 0.44401 0.39711 0.35553 0.31863 0.28584 0.25668 13 0.96806 0.93722 0.90743 0.87866 0.82403 0.77303 0.72542 0.68095 0.60057 0.53032 0.46884 0.41496 0.36770 0.32618 0.28966 0.25751 0.22917 14 0.96565 0.93256 0.90068 0.86996 0.81185 0.75788 0.70773 0.66112 0.57748 0.50507 0.44230 0.38782 0.34046 0.29925 0.26333 0.23199 0.20462 15 0.96324 0.92792 0.89397 0.86135 0.79985 0.74301 0.69047 0.64186 0.55526 0.48102 0.41727 0.36245 0.31524 0.27454 0.23939 0.20900 0.18270 16 0.96084 0.92330 0.88732 0.85282 0.78803 0.72845 0.67362 0.62317 0.53391 0.45811 0.39365 0.33873 0.29189 0.25187 0.21763 0.18829 0.16312 17 0.95844 0.91871 0.88071 0.84438 0.77639 0.71416 0.65720 0.60502 0.51337 0.43630 0.37136 0.31657 0.27027 0.23107 0.19784 0.16963 0.14564 18 0.95605 0.91414 0.87416 0.83602 0.76491 0.70016 0.64117 0.58739 0.49363 0.41552 0.35034 0.29586 0.25025 0.21199 0.17986 0.15282 0.13004 19 0.95367 0.90959 0.86765 0.82774 0.75361 0.68643 0.62553 0.57029 0.47464 0.39573 0.33051 0.27651 0.23171 0.19449 0.16351 0.13768 0.11611 20 0.95129 0.90506 0.86119 0.81954 0.74247 0.67297 0.61027 0.55368 0.45639 0.37689 0.31180 0.25842 0.21455 0.17843 0.14864 0.12403 0.10367 21 0.94892 0.90056 0.85478 0.81143 0.73150 0.65978 0.59539 0.53755 0.43883 0.35894 0.29416 0.24151 0.19866 0.16370 0.13513 0.11174 0.09256 0.84842 0.80340 0.72069 0.64684 0.58086 0.52189 0.42196 0.34185 0.27751 0.22571 0.18394 0.15018 0.12285 0.10067 0.08264 0.84210 0.79544 0.71004 0.63416 0.56670 0.50669 0.40573 0.32557 0.26180 0.21095 0.17032 0.13778 0.11168 0.09069 0.07379 0.88719 0.83583 0.78757 0.69954 0.62172 0.55288 0.49193 0.39012 0.31007 0.24698 0.19715 0.15770 0.12640 0.10153 0.08170 0.06588 0.88277 0.82961 0.77977 0.68921 0.60953 0.53939 0.47761 0.37512 0.29530 0.23300 0.18425 0.14602 0.11597 0.09230 0.07361 0.05882 30 0.92783 0.86103 0.79919 0.74192 0.63976 0.55207 0.47674 0.41199 0.30832 0.23138 0.17411 0.13137 0.09938 0.07537 0.05731 0.04368 0.03338 35 0.91632 0.83982 0.76988 0.70591 0.59387 0.50003 0.42137 0.35538 0.25342 0.18129 0.13011 0.09366 0.06763 0.04899 0.03558 0.02592 0.01894 40 0.90495 0.81914 0.74165 0.67165 0.55126 0.45289 0.37243 0.30656 0.20829 0.14205 0.09722 0.06678 0.04603 0.03184 0.02209 0.01538 0.01075 50 0.88263 0.77929 0.68825 0.60804 0.47500 0.37153 0.29094 0.22811 0.14071 0.08720 0.05429 0.03395 0.02132 0.01345 0.00852 0.00542 0.00346 0.94655 0.89608 0.94419 0.89162 24 0.94184 25 0.93949 6 7 0 2 PRESENT VALUE OF $1 2223283 P e LOOV 0 d RATE PER PERIOD S 0.25% 10.00% 11.00% 12.00% 1.00% 0.99010 1 0.99751 0.99502 0.90909 0.90090 0.89286 3 0.99254 0.98515 0.97783 4 0.99006 0.98025 0.97055 5 9 0.50% 0.75% 1.50% 2.00% 2.50% 3.00% 4.00% 5.00% 6.00% 7.00% 8.00% 9.00% 0.99256 0.98522 0.98039 0.97561 0.97087 0.96154 0.95238 0.94340 0.93458 0.92593 0.91743 2 0.99502 0.99007 0.98517 0.98030 0.97066 0.96117 0.95181 0.94260 0.92456 0.90703 0.89000 0.87344 0.85734 0.84168 0.82645 0.81162 0.79719 0.97059 0.95632 0.94232 0.92860 0.91514 0.88900 0.86384 0.83962 0.81630 0.79383 0.77218 0.75131 0.73119 0.71178 0.96098 0.94218 0.92385 0.90595 0.88849 0.85480 0.82270 0.79209 0.76290 0.73503 0.70843 0.68301 0.65873 0.63552 0.98759 0.97537 0.96333 0.95147 0.92826 0.90573 0.88385 0.86261 0.82193 0.78353 0.74726 0.71299 0.68058 0.64993 0.62092 0.59345 0.56743 0.98513 0.97052 0.95616 0.94205 0.91454 0.88797 0.86230 0.83748 0.79031 0.74622 0.70496 0.66634 0.63017 0.59627 0.56447 0.53464 0.50663 0.98267 0.96569 0.94904 0.93272 0.90103 0.87056 0.84127 0.81309 0.75992 0.71068 0.66506 0.62275 0.58349 0.54703 0.51316 0.48166 0.45235 8 0.98022 0.96089 0.94198 0.92348 0.88771 0.85349 0.82075 0.78941 0.73069 0.67684 0.62741 0.58201 0.54027 0.50187 0.46651 0.43393 0.40388 0.97778 0.95610 0.93496 0.91434 0.87459 0.83676 0.80073 0.76642 0.70259 0.64461 0.59190 0.54393 0.50025 0.46043 0.42410 0.39092 0.36061 10 0.97534 0.95135 0.92800 0.90529 0.86167 0.82035 0.78120 0.74409 0.67556 0.61391 0.55839 0.50835 0.46319 0.42241 0.38554 0.35218 0.32197 11 0.97291 0.94661 0.92109 0.89632 0.84893 0.80426 0.76214 0.72242 0.64958 0.58468 0.52679 0.47509 0.42888 0.38753 0.35049 0.31728 0.28748 12 0.97048 0.94191 0.91424 0.88745 0.83639 0.78849 0.74356 0.70138 0.62460 0.55684 0.49697 0.44401 0.39711 0.35553 0.31863 0.28584 0.25668 13 0.96806 0.93722 0.90743 0.87866 0.82403 0.77303 0.72542 0.68095 0.60057 0.53032 0.46884 0.41496 0.36770 0.32618 0.28966 0.25751 0.22917 14 0.96565 0.93256 0.90068 0.86996 0.81185 0.75788 0.70773 0.66112 0.57748 0.50507 0.44230 0.38782 0.34046 0.29925 0.26333 0.23199 0.20462 15 0.96324 0.92792 0.89397 0.86135 0.79985 0.74301 0.69047 0.64186 0.55526 0.48102 0.41727 0.36245 0.31524 0.27454 0.23939 0.20900 0.18270 16 0.96084 0.92330 0.88732 0.85282 0.78803 0.72845 0.67362 0.62317 0.53391 0.45811 0.39365 0.33873 0.29189 0.25187 0.21763 0.18829 0.16312 17 0.95844 0.91871 0.88071 0.84438 0.77639 0.71416 0.65720 0.60502 0.51337 0.43630 0.37136 0.31657 0.27027 0.23107 0.19784 0.16963 0.14564 18 0.95605 0.91414 0.87416 0.83602 0.76491 0.70016 0.64117 0.58739 0.49363 0.41552 0.35034 0.29586 0.25025 0.21199 0.17986 0.15282 0.13004 19 0.95367 0.90959 0.86765 0.82774 0.75361 0.68643 0.62553 0.57029 0.47464 0.39573 0.33051 0.27651 0.23171 0.19449 0.16351 0.13768 0.11611 20 0.95129 0.90506 0.86119 0.81954 0.74247 0.67297 0.61027 0.55368 0.45639 0.37689 0.31180 0.25842 0.21455 0.17843 0.14864 0.12403 0.10367 21 0.94892 0.90056 0.85478 0.81143 0.73150 0.65978 0.59539 0.53755 0.43883 0.35894 0.29416 0.24151 0.19866 0.16370 0.13513 0.11174 0.09256 0.84842 0.80340 0.72069 0.64684 0.58086 0.52189 0.42196 0.34185 0.27751 0.22571 0.18394 0.15018 0.12285 0.10067 0.08264 0.84210 0.79544 0.71004 0.63416 0.56670 0.50669 0.40573 0.32557 0.26180 0.21095 0.17032 0.13778 0.11168 0.09069 0.07379 0.88719 0.83583 0.78757 0.69954 0.62172 0.55288 0.49193 0.39012 0.31007 0.24698 0.19715 0.15770 0.12640 0.10153 0.08170 0.06588 0.88277 0.82961 0.77977 0.68921 0.60953 0.53939 0.47761 0.37512 0.29530 0.23300 0.18425 0.14602 0.11597 0.09230 0.07361 0.05882 30 0.92783 0.86103 0.79919 0.74192 0.63976 0.55207 0.47674 0.41199 0.30832 0.23138 0.17411 0.13137 0.09938 0.07537 0.05731 0.04368 0.03338 35 0.91632 0.83982 0.76988 0.70591 0.59387 0.50003 0.42137 0.35538 0.25342 0.18129 0.13011 0.09366 0.06763 0.04899 0.03558 0.02592 0.01894 40 0.90495 0.81914 0.74165 0.67165 0.55126 0.45289 0.37243 0.30656 0.20829 0.14205 0.09722 0.06678 0.04603 0.03184 0.02209 0.01538 0.01075 50 0.88263 0.77929 0.68825 0.60804 0.47500 0.37153 0.29094 0.22811 0.14071 0.08720 0.05429 0.03395 0.02132 0.01345 0.00852 0.00542 0.00346 0.94655 0.89608 0.94419 0.89162 24 0.94184 25 0.93949 6 7 0 2 PRESENT VALUE OF $1 2223283 L. O D S 0.25% 1 0.99751 2 1.99252 1.69005 0.50% 0.75% 1.00% 1.50% 2.00% 2.50% 3.00% 4.00% 5.00% 6.00% 7.00% 8.00% 9.00% 10.00% 11.00% 12.00% 0.99502 0.99256 0.99010 0.98522 0.98039 0.97561 0.97087 0.96154 0.95238 0.94340 0.93458 0.92593 0.91743 0.90909 0.90090 0.89286 1.98510 1.97772 1.97040 1.95588 1.94156 1.92742 1.91347 1.88609 1.85941 1.83339 1.80802 1.78326 1.75911 1.73554 1.71252 3 2.98506 2.97025 2.95556 2.94099 2.91220 2.88388 2.85602 2.82861 2.77509 2.72325 2.67301 2.62432 2.57710 2.53129 2.48685 2.44371 2.40183 4 3.97512 3.95050 3.92611 3.90197 3.85438 3.80773 3.76197 3.71710 3.62990 3.54595 3.46511 3.38721 3.31213 3.23972 3.16987 3.10245 3.03735 5 4.96272 4.92587 4.88944 4.85343 4.78264 4.71346 4.64583 4.57971 4.45182 4.32948 4.21236 4.10020 3.99271 3.88965 3.79079 3.69590 3.60478 5.94785 5.89638 5.84560 5.79548 5.69719 5.60143 5.50813 5.41719 5.24214 5.07569 4.91732 4.76654 4.62288 4.48592 4.35526 4.23054 4.11141 7 6.93052 6.86207 6.79464 6.72819 6.59821 6.47199 6.34939 6.23028 6.00205 5.78637 5.58238 5.38929 5.20637 5.03295 4.86842 4.71220 4.56376 8 7.91074 7.82296 7.73661 7.65168 7.48593 7.32548 7.17014 7.01969 6.73274 6.46321 6.20979 5.97130 5.74664 5.53482 5.33493 5.14612 4.96764 9 8.88852 8.77906 8.67158 8.56602 8.36052 8.16224 7.97087 7.78611 7.43533 7.10782 6.80169 6.51523 6.24689 5.99525 5.75902 5.53705 5.32825 10 9.86386 9.73041 9.59958 9.47130 9.22218 8.98259 8.75206 8.53020 8.11090 7.72173 7.36009 7.02358 6.71008 6.41766 6.14457 5.88923 5.65022 11 10.83677 10.67703 10.52067 10.36763 10.07112 9.78685 9.51421 9.25262 8.76048 8.30641 7.88687 7.49867 7.13896 6.80519 6.49506 6.20652 5.93770 8.86325 8.38384 7.94269 7.53608 7.16073 6.81369 6.49236 6.19437 8.35765 7.90378 7.48690 7.10336 6.74987 6.42355 12 11.80725 11.61893 11.43491 11.25508 10.90751 10.57534 10.25776 9.95400 9.38507 13 12.77532 12.55615 12.34235 12.13374 11.73153 11.34837 10.98318 10.63496 9.98565 9.39357 8.85268 14 13.74096 13.48871 13.24302 13.00370 12.54338 12.10625 11.69091 11.29607 10.56312 9.89864 9.29498 8.74547 8.24424 7.78615 7.36669 6.98187 6.62817 15 14.70420 14.41662 14.13699 13.86505 13.34323 12.84926 12.38138 11.93794 11.11839 10.37966 9.71225 9.10791 8.55948 8.06069 7.60608 7.19087 6.81086 16 15.66504 15.33993 15.02431 14.71787 14.13126 13.57771 13.05500 12.56110 11.65230 10.83777 10.10590 9.44665 8.85137 8.31256 7.82371 7.37916 6.97399 17 16.62348 16.25863 15.90502 15.56225 14.90765 14.29187 13.71220 13.16612 12.16567 11.27407 10.47726 9.76322 9.12164 8.54363 8.02155 7.54879 7.11963 18 17.57953 17.17277 16.77918 16.39827 15.67256 14.99203 14.35336 13.75351 12.65930 11.68959 10.82760 10.05909 9.37189 8.75563 8.20141 7.70162 7.24967 19 18.53320 18.08236 17.64683 17.22601 16.42617 15.67846 14.97889 14.32380 13.13394 12.08532 11.15812 10.33560 9.60360 8.95011 8.36492 7.83929 7.36578 20 19.48449 18.98742 18.50802 18.04555 17.16864 16.35143 15.58916 14.87747 13.59033 12.46221 11.46992 10.59401 9.81815 9.12855 8.51356 7.96333 7.46944 21 20.43340 19.88798 19.36280 18.85698 17.90014 17.01121 16.18455 15.41502 14.02916 12.82115 11.76408 10.83553 10.01680 9.29224 8.64869 8.07507 7.56200 22 21.37995 20.78406 20.21121 19.66038 18.62082 17.65805 16.76541 15.93692 14.45112 13.16300 12.04158 11.06124 10.20074 9.44243 8.77154 8.17574 7.64465 23 22.32414 21.67568 21.05331 20.45582 19.33086 18.29220 17.33211 16.44361 14.85684 13.48857 12.30338 11.27219 10.37106 9.58021 8.88322 8.26643 7.71843 24 23.26598 22.56287 21.88915 21.24339 20.03041 18.91393 17.88499 16.93554 15.24696 13.79864 12.55036 11.46933 10.52876 9.70661 8.98474 8.34814 7.78432 25 24.20547 23.44564 22.71876 22.02316 20.71961 19.52346 18.42438 17.41315 15.62208 14.09394 12.78336 11.65358 10.67478 9.82258 9.07704 8.42174 7.84314 30 28.86787 27.79405 26.77508 25.80771 24.01584 22.39646 20.93029 19.60044 17.29203 15.37245 13.76483 12.40904 11.25778 10.27365 9.42691 8.69379 8.05518 35 33.47243 32.03537 30.68266 29.40858 27.07559 24.99862 23.14516 21.48722 18.66461 16.37419 14.49825 12.94767 11.65457 10.56682 9.64416 8.85524 40 38.01986 36.17223 34.44694 32.83469 29.91585 27.35548 25.10278 23.11477 19.79277 17.15909 15.04630 13.33171 11.92461 10.75736 9.77905 8.95105 8.24378 50 46.94617 44.14279 41.56645 39.19612 34.99969 31.42361 28.36231 25.72976 21.48218 18.25593 15.76186 13.80075 12.23348 10.96168 9.91481 9.04165 8.30450 8.17550 PRESENT VALUE OF ORDINARY ANNUITY (annuity in arrears -- end of period payments) RATE PER PERIOD -NM + 6000 L. O D S 0.25% 1 0.99751 2 1.99252 1.69005 0.50% 0.75% 1.00% 1.50% 2.00% 2.50% 3.00% 4.00% 5.00% 6.00% 7.00% 8.00% 9.00% 10.00% 11.00% 12.00% 0.99502 0.99256 0.99010 0.98522 0.98039 0.97561 0.97087 0.96154 0.95238 0.94340 0.93458 0.92593 0.91743 0.90909 0.90090 0.89286 1.98510 1.97772 1.97040 1.95588 1.94156 1.92742 1.91347 1.88609 1.85941 1.83339 1.80802 1.78326 1.75911 1.73554 1.71252 3 2.98506 2.97025 2.95556 2.94099 2.91220 2.88388 2.85602 2.82861 2.77509 2.72325 2.67301 2.62432 2.57710 2.53129 2.48685 2.44371 2.40183 4 3.97512 3.95050 3.92611 3.90197 3.85438 3.80773 3.76197 3.71710 3.62990 3.54595 3.46511 3.38721 3.31213 3.23972 3.16987 3.10245 3.03735 5 4.96272 4.92587 4.88944 4.85343 4.78264 4.71346 4.64583 4.57971 4.45182 4.32948 4.21236 4.10020 3.99271 3.88965 3.79079 3.69590 3.60478 5.94785 5.89638 5.84560 5.79548 5.69719 5.60143 5.50813 5.41719 5.24214 5.07569 4.91732 4.76654 4.62288 4.48592 4.35526 4.23054 4.11141 7 6.93052 6.86207 6.79464 6.72819 6.59821 6.47199 6.34939 6.23028 6.00205 5.78637 5.58238 5.38929 5.20637 5.03295 4.86842 4.71220 4.56376 8 7.91074 7.82296 7.73661 7.65168 7.48593 7.32548 7.17014 7.01969 6.73274 6.46321 6.20979 5.97130 5.74664 5.53482 5.33493 5.14612 4.96764 9 8.88852 8.77906 8.67158 8.56602 8.36052 8.16224 7.97087 7.78611 7.43533 7.10782 6.80169 6.51523 6.24689 5.99525 5.75902 5.53705 5.32825 10 9.86386 9.73041 9.59958 9.47130 9.22218 8.98259 8.75206 8.53020 8.11090 7.72173 7.36009 7.02358 6.71008 6.41766 6.14457 5.88923 5.65022 11 10.83677 10.67703 10.52067 10.36763 10.07112 9.78685 9.51421 9.25262 8.76048 8.30641 7.88687 7.49867 7.13896 6.80519 6.49506 6.20652 5.93770 8.86325 8.38384 7.94269 7.53608 7.16073 6.81369 6.49236 6.19437 8.35765 7.90378 7.48690 7.10336 6.74987 6.42355 12 11.80725 11.61893 11.43491 11.25508 10.90751 10.57534 10.25776 9.95400 9.38507 13 12.77532 12.55615 12.34235 12.13374 11.73153 11.34837 10.98318 10.63496 9.98565 9.39357 8.85268 14 13.74096 13.48871 13.24302 13.00370 12.54338 12.10625 11.69091 11.29607 10.56312 9.89864 9.29498 8.74547 8.24424 7.78615 7.36669 6.98187 6.62817 15 14.70420 14.41662 14.13699 13.86505 13.34323 12.84926 12.38138 11.93794 11.11839 10.37966 9.71225 9.10791 8.55948 8.06069 7.60608 7.19087 6.81086 16 15.66504 15.33993 15.02431 14.71787 14.13126 13.57771 13.05500 12.56110 11.65230 10.83777 10.10590 9.44665 8.85137 8.31256 7.82371 7.37916 6.97399 17 16.62348 16.25863 15.90502 15.56225 14.90765 14.29187 13.71220 13.16612 12.16567 11.27407 10.47726 9.76322 9.12164 8.54363 8.02155 7.54879 7.11963 18 17.57953 17.17277 16.77918 16.39827 15.67256 14.99203 14.35336 13.75351 12.65930 11.68959 10.82760 10.05909 9.37189 8.75563 8.20141 7.70162 7.24967 19 18.53320 18.08236 17.64683 17.22601 16.42617 15.67846 14.97889 14.32380 13.13394 12.08532 11.15812 10.33560 9.60360 8.95011 8.36492 7.83929 7.36578 20 19.48449 18.98742 18.50802 18.04555 17.16864 16.35143 15.58916 14.87747 13.59033 12.46221 11.46992 10.59401 9.81815 9.12855 8.51356 7.96333 7.46944 21 20.43340 19.88798 19.36280 18.85698 17.90014 17.01121 16.18455 15.41502 14.02916 12.82115 11.76408 10.83553 10.01680 9.29224 8.64869 8.07507 7.56200 22 21.37995 20.78406 20.21121 19.66038 18.62082 17.65805 16.76541 15.93692 14.45112 13.16300 12.04158 11.06124 10.20074 9.44243 8.77154 8.17574 7.64465 23 22.32414 21.67568 21.05331 20.45582 19.33086 18.29220 17.33211 16.44361 14.85684 13.48857 12.30338 11.27219 10.37106 9.58021 8.88322 8.26643 7.71843 24 23.26598 22.56287 21.88915 21.24339 20.03041 18.91393 17.88499 16.93554 15.24696 13.79864 12.55036 11.46933 10.52876 9.70661 8.98474 8.34814 7.78432 25 24.20547 23.44564 22.71876 22.02316 20.71961 19.52346 18.42438 17.41315 15.62208 14.09394 12.78336 11.65358 10.67478 9.82258 9.07704 8.42174 7.84314 30 28.86787 27.79405 26.77508 25.80771 24.01584 22.39646 20.93029 19.60044 17.29203 15.37245 13.76483 12.40904 11.25778 10.27365 9.42691 8.69379 8.05518 35 33.47243 32.03537 30.68266 29.40858 27.07559 24.99862 23.14516 21.48722 18.66461 16.37419 14.49825 12.94767 11.65457 10.56682 9.64416 8.85524 40 38.01986 36.17223 34.44694 32.83469 29.91585 27.35548 25.10278 23.11477 19.79277 17.15909 15.04630 13.33171 11.92461 10.75736 9.77905 8.95105 8.24378 50 46.94617 44.14279 41.56645 39.19612 34.99969 31.42361 28.36231 25.72976 21.48218 18.25593 15.76186 13.80075 12.23348 10.96168 9.91481 9.04165 8.30450 8.17550 PRESENT VALUE OF ORDINARY ANNUITY (annuity in arrears -- end of period payments) RATE PER PERIOD -NM + 6000