One entrepreneur now has a $200,000 investment in a bank account which earns 7% annual interest. One year from now, he will withdraw 10% of the total amount in the account and reinvest that amount withdrawn in a different account earning 12% at a second bank. He repeats this procedure each year thereafter, transferring 10% of his account at the first bank to the second bank. Find a formula by using economy factors (F/P, P/G, F/A, and so on) which calculate how much does he have at each bank after 50 years from now. Do not make calculation for every single year.