Bob has just placed $200 in a 5-year certificate of deposit (CD) that pays 6% compounded annually for the first 2 years and 2% compounded annually for the next 3 years (i.e., in years 3,4 and 5) how much will Bob receive when the CD matures in 5 years?

1. 2,250
2. 2,385
3. 2,813
4. 3,818
5. 3,976