Using table references:
NPV1
=0.74*65000*1.03^[@[T Value]]/0.035*(1-(1.03/1.065)^(40-[@[T Value]]))
NPV2
=0.69*((110000/0.025)*(1-(1.04/1.065)^(38-[@[T Value]]))/1.065^2)+20000/1.065^2-78000/1.065-78000
NPV3
=0.71*((92000/0.03*(1-(1.035/1.065)^(39-[@[T Value]])))/1.065)+18000/1.065-94500