a. An account with monthly compounding, an APR of 4%, and an initial deposit of 6000$, after 3 years
FV ==6,000 x [1 + 0.04/12]^(3*12)
FV ==6,000 x [1 + 0.0033333]^36
FV ==6,000 x 1.1272718745179
FV==$6,763.63 - FV of 6,000 at 4% componded monthly for 3 years.