First off convert into an effective rate to make things a little easier.
(1+0.046/4)^4 - 1 = about 4.679%
Discount everything back to t=0
9057(1.0468)^-4 +9057(1.0468)^-8 +9057(1.0468)^-12 + 9057 (1.0468)^-16
Basically this means that storing $23,438.54 today into a bank earning an effective...