On a certain sum the rate of C.I. is x% per annum for the first two years and y% per annum for the next three years. Then the amount after 5 years is : 1. (1 + x/100)(1 + y/100) times 2. (1 + x/100)^3(1 + y/100)^2 times 3. (1 + x/100)^2(1 + y/100)^3 times 4. (1 + x/100)^2(1 - y/100)^3 times