At the beginning, we deposit 1,200 GEL in the bank. During the first three months, the bank will charge 13% per annum at the end of the month. After three months, we bring in an additional 500 GEL every month. From then on, the annual interest rate is 14% and the bank charges at the end of the period. In both cases, accruals are made monthly. How much money will be in the account after two years?

How can I solve this by using FV formula in excel? Please answer only by using the future value(FV) formula.