a.

Rate Year PV FV
0.1 5 1000 $1,610.51
b.)
Rates
Years 0% 5% 20%
0 1,000 1,000 1,000
1 1,000 1,050 1,200
2 1,000 1,102.50 1,440
3 1,000 1,157.63 1,728
4 1,000 1,215.51 2,073.60
5 1,000 1,276.28 2,488.32

c. Rate Year FV PV
10% 5 1000 $620.92

d.) Rate Year FV PV

14.87% 5 2000 1000

e.) Year 1 Year 2 Rate Year

36500000 73000000 0.02 35.00

f.) Payment Rate Year PV FV

1000 0.15 5 $3,352.16 $6,742.38

g.) Payment Rate Year PV FV

1000 0.15 5 $3,854.98 $7,753.74

h.) Rate Year FV PV

0.1 5 1000 $613.91
Prepared by:
Rate Year FV PV Neri, Emmanuel S.
0.1 5 $1,628.89 $1,000.00 2 - ACC
i.) PV Rate Years Payment
1,000 0.08 10 $149.03

Annuity PV Rate Years Payment

Due 1,000 0.08 10 $137.99

j.
Year Cash flow Rate PV FV
1 100 0.08 $92.59 $116.64
2 200 0.08 $185.19 $216.00
3 400 0.08 $370.37 $400.00
Total $648.15 $732.64

Compunded Nominal
Rate Effective
k. Annual Rate
1.) Deposited FV @ 1 year FV @ 2 year
Bank A 6.00% 6.00% 5,000 $5,300.00 $5,618.00
Bank B 3.00% 6.09% 5,000 $5,304.50 $5,627.54
Bank C 1.50% 6.14% 5,000 $5,306.82 $5,632.46
Bank D 0.50% 6.17% 5,000 $5,308.39 $5,635.80
Bank E 0.02% 6.18% 5,000 $5,309.16 $5,637.43

Effective Annual Rate

2.) Bank A 6.00%
Bank B 5.91%
Bank C 5.87%
Bank D 5.84% Prepared by:
Bank E 5.83% Neri, Emmanuel S.
 2 - ACC

Payment
3.) Bank A $4,716.98
Bank B $2,391.31
Bank C $1,204.16
Bank D $403.32
Bank E $13.29

l. Amortization Schedule

Year Beginning Amount Payment Interest Repayment of Principal Ending Balance

1 $15,000.00 $4,528.81 $1,200.00 $3,328.81 $11,671.19
2 $11,671.19 $4,528.81 $933.70 $3,595.12 $8,076.07
3 $8,076.07 $4,528.81 $646.09 $3,882.73 $4,193.34
4 $4,193.32 $4,528.81 $335.47 $4,193.34 $0.00

Prepared by:
Neri, Emmanuel S.
2 - ACC