Exhibit A: Present Value of an Ordinary Annuity of $1 per Period

 

# of periods 2.0% 2.5% 3.0% 4.0% 5.0% 6.0% 8.0% 10.0% 15.0%
                   
1 0.9804 0.9756 0.9709 0.9615 0.9524 0.9434 0.9259 0.9091 0.8696
2 1.9416 1.9274 1.9135 1.8861 1.8594 1.8334 1.7833 1.7355 1.6257
3 2.8839 2.8560 2.8286 2.7751 2.7232 2.6730 2.5771 2.4869 2.2832
4 3.8077 3.7620 3.7171 3.6299 3.5460 3.4651 3.3121 3.1699 2.8550
5 4.7135 4.6458 4.5797 4.4518 4.3295 4.2124 3.9927 3.7908 3.3522
6 5.6014 5.5081 5.4172 5.2421 5.0757 4.9173 4.6229 4.3553 3.7845
7 6.4720 6.3494 6.2303 6.0021 5.7864 5.5824 5.2064 4.8684 4.1604
8 7.3255 7.1701 7.0197 6.7327 6.4632 6.2098 5.7466 5.3349 4.4873
9 8.1622 7.9709 7.7861 7.4353 7.1078 6.8017 6.2469 5.7590 4.7716
10 8.9826 8.7521 8.5302 8.1109 7.7217 7.3601 6.7101 6.1446 5.0188
11 9.7868 9.5142 9.2526 8.7605 8.3064 7.8869 7.1390 6.4951 5.2337
12 10.5753 10.2578 9.9540 9.3851 8.8633 8.3838 7.5361 6.8137 5.4206
13 11.3484 10.9832 10.6350 9.9856 9.3936 8.8527 7.9038 7.1034 5.5831
14 12.1062 11.6909 11.2961 10.5631 9.8986 9.2950 8.2442 7.3667 5.7245
15 12.8493 12.3814 11.9379 11.1184 10.3797 9.7122 8.5595 7.6061 5.8474
16 13.5777 13.0550 12.5611 11.6523 10.8378 10.1059 8.8514 7.8237 5.9542
17 14.2919 13.7122 13.1661 12.1657 11.2741 10.4773 9.1216 8.0216 6.0472
18 14.9920 14.3534 13.7535 12.6593 11.6896 10.8276 9.3719 8.2014 6.1280
19 15.6785 14.9789 14.3238 13.1339 12.0853 11.1581 9.6036 8.3649 6.1982
20 16.3514 15.5892 14.8775 13.5903 12.4622 11.4699 9.8181 8.5136 6.2593
21 17.0112 16.1845 15.4150 14.0292 12.8212 11.7641 10.0168 8.6487 6.3125
22 17.6580 16.7654 15.9369 14.4511 13.1630 12.0416 10.2007 8.7715 6.3587
23 18.2922 17.3321 16.4436 14.8568 13.4886 12.3034 10.3711 8.8832 6.3988
24 18.9139 17.8850 16.9355 15.2470 13.7986 12.5504 10.5288 8.9847 6.4338
25 19.5235 18.4244 17.4131 15.6221 14.0939 12.7834 10.6748 9.0770 6.4641
26 20.1210 18.9506 17.8768 15.9828 14.3752 13.0032 10.8100 9.1609 6.4906
27 20.7069 19.4640 18.3270 16.3296 14.6430 13.2105 10.9352 9.2372 6.5135
28 21.2813 19.9649 18.7641 16.6631 14.8981 13.4062 11.0511 9.3066 6.5335
29 21.8444 20.4535 19.1885 16.9837 15.1411 13.5907 11.1584 9.3696 6.5509
30 22.3965 20.9303 19.6004 17.2920 15.3725 13.7648 11.2578 9.4269 6.5660
35 24.9986 23.1452 21.4872 18.6646 16.3742 14.4982 11.6546 9.6442 6.6166
40 27.3555 25.1028 23.1148 19.7928 17.1591 15.0463 11.9246 9.7791 6.6418
45 29.4902 26.8330 24.5187 20.7200 17.7741 15.4558 12.1084 9.8628 6.6543
50 31.4236 28.3623 25.7298 21.4822 18.2559 15.7619 12.2335 9.9148 6.6605