The total present worth is $19,783.01
The present worth of a series of cash flow is the value of the cash flows in year 0 (today)
Cash flow in year 0 = 5330
Cash flow in year 1 = 0
Cash flow in year 2 = 0
Cash flow in year 3 = 13075 / (1.02)^3 = 12,320.86
Cash flow in year 4 = 2308 / (1.02)^4 = 2,132.24
Present worth = $19,783.01
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