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Time Value of Money Page 1

TABLE 3 Present Value Factors

Periods 1% 2% 3% 4% 5% 6% 7%

1 .9901 .9804 .9709 .9615 .9524 .9434 .9346 2 .9803 .9612 .9426 .9246 .9070 .8900 .8734 3 .9707 .9423 .9151 .8890 .8638 .8396 .8163 4 .9610 .9238 .8885 .8548 .8227 .7921 .7629 5 .9515 .9057 .8626 .8219 .7835 .7473 .7130 6 .9420 .8880 .8375 .7903 .7462 .7050 .6663 7 .9327 .8706 .8131 .7599 .7107 .6651 .6228 8 .9235 .8535 .7894 .7307 .6768 .6274 .5820 9 .9143 .8368 .7664 .7026 .6446 .5919 .5439 10 .9053 .8203 .7441 .6756 .6139 .5584 .5083 11 .8963 .8043 .7224 .6496 .5847 .5268 .4751 12 .8874 .7885 .7014 .6246 .5568 .4970 .4440 13 .8787 .7730 .6810 .6006 .5303 .4688 .4150 14 .8700 .7579 .6611 .5775 .5051 .4423 .3878 15 .8613 .7430 .6419 .5553 .4810 .4173 .3624 16 .8528 .7284 .6232 .5339 .4581 .3936 .3387 17 .8444 .7142 .6050 .5134 .4363 .3714 .3166 18 .8360 .7002 .5874 .4936 .4155 .3503 .2959 19 .8277 .6864 .5703 .4746 .3957 .3305 .2765 20 .8195 .6730 .5537 .4564 .3769 .3118 .2584 21 .8114 .6598 .5375 .4388 .3589 .2942 .2415 22 .8034 .6468 .5219 .4220 .3419 .2775 .2257 23 .7954 .6342 .5067 .4057 .3256 .2618 .2109 24 .7876 .6217 .4919 .3901 .3101 .2470 .1971 25 .7798 .6095 .4776 .3751 .2953 .2330 .1842 26 .7720 .5976 .4637 .3607 .2812 .2198 .1722 27 .7644 .5859 .4502 .3468 .2678 .2074 .1609 28 .7568 .5744 .4371 .3335 .2551 .1956 .1504 29 .7493 .5631 .4243 .3207 .2429 .1846 .1406 30 .7419 .5521 .4120 .3083 .2314 .1741 .1314 31 .7346 .5412 .4000 .2965 .2204 .1643 .1228 32 .7273 .5306 .3883 .2851 .2099 .1550 .1147 33 .7201 .5202 .3770 .2741 .1999 .1462 .1072 34 .7130 .5100 .3660 .2636 .1904 .1379 .1002 35 .7059 .5000 .3554 .2534 .1813 .1301 .0937 36 .6989 .4902 .3450 .2437 .1727 .1227 .0875 37 .6920 .4806 .3350 .2343 .1644 .1158 .0818 38 .6858 .4712 .3252 .2253 .1566 .1092 .0765 39 .6784 .4619 .3158 .2166 .1491 .1031 .0715 40 .6717 .4529 .3066 .2083 .1420 .0972 .0668 41 .6650 .4440 .2976 .2003 .1353 .0917 .0624 42 .6584 .4353 .2890 .1926 .1288 .0865 .0583 43 .6520 .4268 .2805 .1852 .1227 .0816 .0545 44 .6454 .4184 .2724 .1780 .1169 .0770 .0509 45 .6391 .4102 .2644 .1712 .1113 .0727 .0476 46 .6327 .4022 .2567 .1646 .1060 .0685 .0445 47 .6265 .3943 .2493 .1583 .1009 .0647 .0416 48 .6203 .3865 .2420 .1522 .0961 .0610 .0389 49 .6141 .3790 .2350 .1463 .0916 .0575 .0363 50 .6080 .3715 .2281 .1407 .0872 .0543 .0339

Time Value of Money Page 2

TABLE 3 Present Value Factors

Periods 8% 9% 10% 11% 12% 13% 14%

1 .9259 .9174 .9091 .9009 .8929 .8850 .8772 2 .8573 .8417 .8264 .8116 .7972 .7831 .7695 3 .7938 .7722 .7513 .7312 .7118 .6931 .6750 4 .7350 .7084 .6830 .6587 .6355 .6133 .5921 5 .6806 .6499 .6209 .5935 .5674 .5428 .5194 6 .6302 .5963 .5645 .5346 .5066 .4803 .4556 7 .5835 .5470 .5132 .4817 .4523 .4251 .3996 8 .5403 .5019 .4665 .4339 .4039 .3762 .3506 9 .5002 .4604 .4241 .3909 .3606 .3329 .3075 10 .4632 .4224 .3855 .3522 .3220 .2946 .2697 11 .4289 .3875 .3505 .3173 .2875 .2607 .2366 12 .3971 .3555 .3186 .2858 .2567 .2307 .2076 13 .3677 .3262 .2897 .2575 .2292 .2042 .1821 14 .3405 .2992 .2633 .2320 .2046 .1807 .1597 15 .3152 .2745 .2394 .2090 .1827 .1599 .1401 16 .2919 .2519 .2176 .1883 .1631 .1415 .1229 17 .2703 .2311 .1978 .1696 .1456 .1252 .1078 18 .2502 .2120 .1799 .1528 .1300 .1108 .0946 19 .2317 .1945 .1635 .1377 .1161 .0981 .0829 20 .2145 .1784 .1486 .1240 .1037 .0868 .0728 21 .1987 .1637 .1351 .1117 .0926 .0768 .0638 22 .1839 .1502 .1228 .1007 .0826 .0680 .0560 23 .1703 .1378 .1117 .0907 .0738 .0601 .0491 24 .1577 .1264 .1015 .0817 .0659 .0532 .0431 25 .1460 .1160 .0923 .0736 .0588 .0471 .0378 26 .1352 .1064 .0839 .0663 .0525 .0417 .0331 27 .1252 .0976 .0763 .0597 .0469 .0369 .0291 28 .1159 .0895 .0693 .0538 .0419 .0326 .0255 29 .1073 .0822 .0630 .0485 .0374 .0289 .0224 30 .0994 .0754 .0573 .0437 .0334 .0256 .0196 31 .0920 .0691 .0521 .0394 .0298 .0226 .0172 32 .0852 .0634 .0474 .0355 .0266 .0200 .0151 33 .0789 .0582 .0431 .0319 .0238 .0177 .0132 34 .0730 .0534 .0391 .0288 .0212 .0157 .0116 35 .0676 .0490 .0356 .0259 .0189 .0139 .0102 36 .0626 .0449 .0323 .0234 .0169 .0123 .0089 37 .0580 .0412 .0294 .0210 .0151 .0109 .0078 38 .0537 .0378 .0267 .0190 .0135 .0096 .0069 39 .0497 .0347 .0243 .0171 .0120 .0085 .0060 40 .0460 .0318 .0221 .0154 .0107 .0075 .0053 41 .0426 .0292 .0201 .0139 .0096 .0067 .0046 42 .0395 .0268 .0183 .0125 .0086 .0059 .0041 43 .0365 .0246 .0166 .0112 .0076 .0052 .0036 44 .0338 .0226 .0151 .0101 .0068 .0046 .0031 45 .0313 .0207 .0137 .0091 .0061 .0041 .0028 46 .0290 .0190 .0125 .0082 .0054 .0036 .0024 47 .0269 .0174 .0113 .0074 .0059 .0032 .0021 48 .0249 .0160 .0103 .0067 .0043 .0028 .0019 49 .0230 .0147 .0094 .0060 .0039 .0025 .0016 50 .0213 .0134 .0085 .0054 .0035 .0022 .0014

Time Value of Money Page 3

TABLE 3 Present Value Factors

Periods 5% 16% 17% 18% 19%

1 .8696 .8621 .8547 .8475 .8403 2 .7561 .7432 .7305 .7182 .7062 3 .6575 .6407 .6244 .6086 .5934 4 .5718 .5523 .5337 .5158 .4987 5 .4972 .4761 .4561 .4371 .4190 6 .4323 .4104 .3898 .3704 .3521 7 .3759 .3538 .3332 .3139 .2959 8 .3269 .3050 .2848 .2660 .2487 9 .2843 .2630 .2434 .2255 .2090 10 .2472 .2267 .2080 .1911 .1756 11 .2149 .1954 .1778 .1619 .1476 12 .1869 .1685 .1520 .1372 .1240 13 .1625 .1452 .1299 .1163 .1042 14 .1413 .1252 .1110 .0985 .0876 15 .1229 .1079 .0949 .0835 .0736 16 .1069 .0930 .0811 .0708 .0618 17 .0929 .0802 .0693 .0600 .0520 18 .0808 .0691 .0592 .0508 .0437 19 .0703 .0596 .0506 .0431 .0367 20 .0611 .0514 .0433 .0365 .0308 21 .0531 .0443 .0370 .0309 .0259 22 .0462 .0382 .0316 .0262 .0218 23 .0402 .0329 .0270 .0222 .0183 24 .0349 .0284 .0231 .0188 .0154 25 .0304 .0245 .0197 .0160 .0129 26 .0264 .0211 .0169 .0135 .0109 27 .0230 .0182 .0144 .0115 .0091 28 .0200 .0157 .0123 .0097 .0077 29 .0174 .0135 .0105 .0082 .0064 30 .0151 .0116 .0090 .0070 .0054 31 .0131 .0100 .0077 .0059 .0046 32 .0114 .0087 .0066 .0050 .0038 33 .0099 .0075 .0056 .0042 .0032 34 .0086 .0064 .0048 .0036 .0027 35 .0075 .0055 .0041 .0030 .0023 36 .0065 .0048 .0035 .0026 .0019 37 .0057 .0041 .0030 .0022 .0016 38 .0049 .0036 .0026 .0019 .0013 39 .0043 .0031 .0022 .0016 .0011 40 .0037 .0026 .0019 .0013 .0010 41 .0032 .0023 .0016 .0011 .0008 42 .0028 .0020 .0014 .0010 .0007 43 .0025 .0017 .0012 .0008 .0006 44 .0021 .0015 .0010 .0007 .0005 45 .0019 .0013 .0009 .0006 .0004 46 .0016 .0011 .0007 .0005 .0003 47 .0014 .0009 .0006 .0004 .0003 48 .0012 .0008 .0005 .0004 .0002 49 .0011 .0007 .0005 .0003 .0002 50 .0009 .0006 .0004 .0003 .0002