Consider the following financial asset:

Starting at the end of the 1 year (inclusive) it gives you 9 quarterly payments that start at €238 and grow 0,73% every quarter. After the last quarterly payment it will give you 14 annual payments that decrease 1% per year. The first annual payment will be €300 and the annual payments will end by the end of the 20^th year.

Assume a 4% APR quarterly compounded.