Exhibit 1–D Present Value of $1 Received at the End of Each Period for a Given Number of Time Periods (an Annuity)
| Period |
1% |
2% |
3% |
4% |
5% |
6% |
7% |
8% |
9% |
10% |
11% |
12% |
| 1 |
0.990 |
0.980 |
0.971 |
0.962 |
0.952 |
0.943 |
0.935 |
0.926 |
0.917 |
0.909 |
0.901 |
0.893 |
| 2 |
1.970 |
1.942 |
1.913 |
1.886 |
1.859 |
1.833 |
1.808 |
1.783 |
1.759 |
1.736 |
1.713 |
1.690 |
| 3 |
2.941 |
2.884 |
2.829 |
2.775 |
2.723 |
2.673 |
2.624 |
2.577 |
2.531 |
2.487 |
2.444 |
2.402 |
| 4 |
3.902 |
3.808 |
3.717 |
3.630 |
3.546 |
3.465 |
3.387 |
3.312 |
3.240 |
3.170 |
3.102 |
3.037 |
| 5 |
4.853 |
4.713 |
4.580 |
4.452 |
4.329 |
4.212 |
4.100 |
3.993 |
3.890 |
3.791 |
3.696 |
3.605 |
| 6 |
5.795 |
5.601 |
5.417 |
5.242 |
5.076 |
4.917 |
4.767 |
4.623 |
4.486 |
4.355 |
4.231 |
4.111 |
| 7 |
6.728 |
6.472 |
6.230 |
6.002 |
5.786 |
5.582 |
5.389 |
5.206 |
5.033 |
4.868 |
4.712 |
4.564 |
| 8 |
7.652 |
7.325 |
7.020 |
6.733 |
6.463 |
6.210 |
5.971 |
5.747 |
5.535 |
5.335 |
5.146 |
4.968 |
| 9 |
8.566 |
8.162 |
7.786 |
7.435 |
7.108 |
6.802 |
6.515 |
6.247 |
5.995 |
5.759 |
5.537 |
5.328 |
| 10 |
9.471 |
8.983 |
8.530 |
8.111 |
7.722 |
7.360 |
7.024 |
6.710 |
6.418 |
6.145 |
5.889 |
5.650 |
| 11 |
10.368 |
9.787 |
9.253 |
8.760 |
8.306 |
7.887 |
7.499 |
7.139 |
6.805 |
6.495 |
6.207 |
5.938 |
| 12 |
11.255 |
10.575 |
9.954 |
9.385 |
8.863 |
8.384 |
7.943 |
7.536 |
7.161 |
6.814 |
6.492 |
6.194 |
| 13 |
12.134 |
11.348 |
10.635 |
9.986 |
9.394 |
8.853 |
8.358 |
7.904 |
7.487 |
7.103 |
6.750 |
6.424 |
| 14 |
13.004 |
12.106 |
11.296 |
10.563 |
9.899 |
9.295 |
8.745 |
8.244 |
7.786 |
7.367 |
6.982 |
6.628 |
| 15 |
13.865 |
12.849 |
11.939 |
11.118 |
10.380 |
9.712 |
9.108 |
8.559 |
8.061 |
7.606 |
7.191 |
6.811 |
| 16 |
14.718 |
13.578 |
12.561 |
11.652 |
10.838 |
10.106 |
9.447 |
8.851 |
8.313 |
7.824 |
7.379 |
6.974 |
| 17 |
15.562 |
14.292 |
13.166 |
12.166 |
11.274 |
10.477 |
9.763 |
9.122 |
8.544 |
8.022 |
7.549 |
7.102 |
| 18 |
16.398 |
14.992 |
13.754 |
12.659 |
11.690 |
10.828 |
10.059 |
9.372 |
8.756 |
8.201 |
7.702 |
7.250 |
| 19 |
17.226 |
15.678 |
14.324 |
13.134 |
12.085 |
11.158 |
10.336 |
9.604 |
8.950 |
8.365 |
7.839 |
7.366 |
| 20 |
18.046 |
16.351 |
14.877 |
13.590 |
12.462 |
11.470 |
10.594 |
9.818 |
9.129 |
8.514 |
7.963 |
7.469 |
| 25 |
22.023 |
19.523 |
17.413 |
15.622 |
14.094 |
12.783 |
11.654 |
10.675 |
9.823 |
9.077 |
8.422 |
7.843 |
| 30 |
25.808 |
22.396 |
19.600 |
17.292 |
15.372 |
13.765 |
12.409 |
11.258 |
10.274 |
9.427 |
8.694 |
8.055 |
| 40 |
32.835 |
27.355 |
23.115 |
19.793 |
17.159 |
15.046 |
13.332 |
11.925 |
10.757 |
9.779 |
8.951 |
8.244 |
| 50 |
39.196 |
31.424 |
25.730 |
21.482 |
18.256 |
15.762 |
13.801 |
12.233 |
10.962 |
9.915 |
9.042 |
8.304 |
| Period |
13% |
14% |
15% |
16% |
17% |
18% |
19% |
20% |
25% |
30% |
35% |
40% |
50% |
| 1 |
0.885 |
0.877 |
0.870 |
0.862 |
0.855 |
0.847 |
0.840 |
0.833 |
0.800 |
0.769 |
0.741 |
0.714 |
0.667 |
| 2 |
1.668 |
1.647 |
1.626 |
1.605 |
1.585 |
1.566 |
1.547 |
1.528 |
1.440 |
1.361 |
1.289 |
1.224 |
1.111 |
| 3 |
2.361 |
2.322 |
2.283 |
2.246 |
2.210 |
2.174 |
2.140 |
2.106 |
1.952 |
1.816 |
1.696 |
1.589 |
1.407 |
| 4 |
2.974 |
2.914 |
2.855 |
2.798 |
2.743 |
2.690 |
2.639 |
2.589 |
2.362 |
2.166 |
1.997 |
1.849 |
1.605 |
| 5 |
3.517 |
3.433 |
3.352 |
3.274 |
3.199 |
3.127 |
3.058 |
2.991 |
2.689 |
2.436 |
2.220 |
2.035 |
1.737 |
| 6 |
3.998 |
3.889 |
3.784 |
3.685 |
3.589 |
3.498 |
3.410 |
3.326 |
2.951 |
2.643 |
2.385 |
2.168 |
1.824 |
| 7 |
4.423 |
4.288 |
4.160 |
4.039 |
3.922 |
3.812 |
3.706 |
3.605 |
3.161 |
2.802 |
2.508 |
2.263 |
1.883 |
| 8 |
4.799 |
4.639 |
4.487 |
4.344 |
4.207 |
4.078 |
3.954 |
3.837 |
3.329 |
2.925 |
2.598 |
2.331 |
1.922 |
| 9 |
5.132 |
4.946 |
4.772 |
4.607 |
4.451 |
4.303 |
4.163 |
4.031 |
3.463 |
3.019 |
2.665 |
2.379 |
1.948 |
| 10 |
5.426 |
5.216 |
5.019 |
4.833 |
4.659 |
4.494 |
4.339 |
4.192 |
3.571 |
3.092 |
2.715 |
2.414 |
1.965 |
| 11 |
5.687 |
5.453 |
5.234 |
5.029 |
4.836 |
4.656 |
4.486 |
4.327 |
3.656 |
3.147 |
2.752 |
2.438 |
1.977 |
| 12 |
5.918 |
5.660 |
5.421 |
5.197 |
4.988 |
4.793 |
4.611 |
4.439 |
3.725 |
3.190 |
2.779 |
2.456 |
1.985 |
| 13 |
6.122 |
5.842 |
5.583 |
5.342 |
5.118 |
4.910 |
4.715 |
4.533 |
3.780 |
3.223 |
2.799 |
2.469 |
1.990 |
| 14 |
6.302 |
6.002 |
5.724 |
5.468 |
5.229 |
5.008 |
4.802 |
4.611 |
3.824 |
3.249 |
2.814 |
2.478 |
1.993 |
| 15 |
6.462 |
6.142 |
5.847 |
5.575 |
5.324 |
5.092 |
4.876 |
4.675 |
3.859 |
3.268 |
2.825 |
2.484 |
1.995 |
| 16 |
6.604 |
6.265 |
5.954 |
5.668 |
5.405 |
5.162 |
4.938 |
4.730 |
3.887 |
3.283 |
2.834 |
2.489 |
1.997 |
| 17 |
6.729 |
6.373 |
6.047 |
5.749 |
5.475 |
5.222 |
4.988 |
4.775 |
3.910 |
3.295 |
2.840 |
2.492 |
1.998 |
| 18 |
6.840 |
6.467 |
6.128 |
5.818 |
5.534 |
5.273 |
5.033 |
4.812 |
3.928 |
3.304 |
2.844 |
2.494 |
1.999 |
| 19 |
6.938 |
6.550 |
6.198 |
5.877 |
5.584 |
5.316 |
5.070 |
4.843 |
3.942 |
3.311 |
2.848 |
2.496 |
1.999 |
| 20 |
7.025 |
6.623 |
6.259 |
5.929 |
5.628 |
5.353 |
5.101 |
4.870 |
3.954 |
3.316 |
2.850 |
2.497 |
1.999 |
| 25 |
7.330 |
6.873 |
6.464 |
6.097 |
5.766 |
5.467 |
5.195 |
4.948 |
3.985 |
3.329 |
2.856 |
2.499 |
2.000 |
| 30 |
7.496 |
7.003 |
6.566 |
6.177 |
5.829 |
5.517 |
5.235 |
4.979 |
3.995 |
3.332 |
2.857 |
2.500 |
2.000 |
| 40 |
7.634 |
7.105 |
6.642 |
6.233 |
5.871 |
5.548 |
5.258 |
4.997 |
3.999 |
3.333 |
2.857 |
2.500 |
2.000 |
| 50 |
7.675 |
7.133 |
6.661 |
6.246 |
5.880 |
5.554 |
5.262 |
4.999 |
4.000 |
3.333 |
2.857 |
2.500 |
2.000 |