Find the exact value of the given expression using a sum or difference formula. 
Definitions:
Loan Papers
Documents associated with a loan, including the agreement, terms and conditions, and any collateral-related paperwork.
Certificates Of Deposit
A type of federally insured savings account that has a fixed interest rate and fixed date of withdrawal, known as the maturity date.
Compounded Quarterly
The process of calculating interest on both the initial principal and the accrued interest over four quarters in a year.
Semi-annually
Occurring twice a year, typically used in the context of payments, compounding, or reporting periods.
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