Two annuities have the same periotic payment $($PMT$),$ same interest rate $($I$/$Y$),$ and same duration $($N$).$ Payments to$/$from A are at the end of each period; whereas payments to$/$from B are at the beginning of each period. Please select the correct statement$($s$)$ from the following:

$1)$ You, as the receiver of the annuity, are indifferent from these two choices since they have all the same features.

$2)$ You, as the payer of the annuity into your retirement account, would prefer A so that you can get more when you retire.

$3)$ You, as the payer of the annuity into your retirement account, would prefer B so that you can get more when you retire.

$4)$ You, as the receiver of the annuity, prefers A because it gives you a higher total present value.