Constant Growth DDM

Why in some questions is the terminal growth rate not applied to the expected dividend? I get that you don’t need to apply a growth rate if they give you the expected dividend, but if there is a terminal growth rate (i.e constant growth after year 4) I was under the assumption you still apply that to the expected dividend?

No, you use the expected dividend despite you are in the year 4 (which would be dividend in year 3 per the growth rate factor). You mean using the expected expected dividend? Nope.