Future Value of Annuity Due = Periodic Payment * ([(1 + r)^n - 1] / r) * (1 + r)
where r is the rate of interest per period i.e 10% / 4 = 2.5% or 0.025 (Divided by 4 as given compounded quarterly)
n is the number of periods i.e 8 1/2years = 8.5 year = 8.5 * 4 = 34 quaters (Multiplied by 4 as given compounded quarterly)
Periodic Payment i.e 900
Future Value of Annuity = 900 * ([(1 + 0.025)^34 - 1] / 0.025 ) * (1 + 0.025)
= 900 * ([2.315322 - 1] / 0.025) * 1.025
= 900 * (1.315322 / 0.025) * 1.025
= 900 * 52.61289 * 1.025
= 48,535.39
= 44601.43
$44,601.43 will be accumulated by the end of year five.