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A bank offers an investment account with an annual interest rate of 1.21% compounded quarterly. Jane invests $3600 into the account for 2 years.

a. The future value of the investment is $3671.86.
b. The future value of the investment is $3654.94.
c. The future value of the investment is $3663.22.
d. The future value of the investment is $3680.14.

1 Answer

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Final answer:

The future value of Jane's $3600 investment in an account with a 1.21% annual interest rate compounded quarterly for 2 years is closest to $3663.22, making option c the correct answer.

Step-by-step explanation:

The question deals with the calculation of future value of an investment using the formula for compound interest. Since the bank offers a 1.21% annual interest rate compounded quarterly, we need to account for compound interest being added four times a year. The formula to calculate the future value with compound interest is:

Future Value = Principal × (1 + (interest rate / number of compounding periods))^(number of compounding periods × number of years)

In this case, Jane's investment can be calculated as follows:

Future Value = $3600 × (1 + (0.0121 / 4))^(4 × 2)

Plugging in the values and calculating, we determine the future value of Jane's investment after 2 years. When we do the math, we find that the future value is closest to $3663.22, which corresponds to option c.

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