Answer FOUR from the following SIX questions:

$1.$Find the future value of AED $15,000$ per month $($at the beginning of the month$)$ for five years at $4\mathrm{.}5$

percent. At the end of $5$ years you take the proceeds and invest them for $7$ years at $6\mathrm{.}5$ percent. How

much will you have after $12$ years?