Provide a stepwise synthesis to carry out the following conversion. 
Definitions:
Initial Investment
The initial amount of money invested in a project, asset, or business at the start.
Annual Returns
Annual returns are the percentage change in an investment's value over a year, including interest, dividends, and capital gains.
Annual Payments
Payments that are made once a year for various purposes, such as loan repayments, insurance premiums, or leases.
Note Payable
A written agreement where a borrower promises to pay back a certain sum of money to a lender at a future date, often with interest.
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