Pls help I really need it

Which equation requires the division property of equality to be solved?

Trish receives $450 on the first of each month. josh receives $450 on the last day of each month. both trish and josh will receive payments for next four years. at a discount rate of 9.5 percent, what is the difference in the present value of these two sets of payments?

Which one ? is the answer and how to find this answer