You want to invest $10,000 in a mutual fund, but you notice it has two classes of shares, A and B. A shares have a 2% front-end load, 0.25% 12b-1 and 0.75% management fee. B shares have no front- end load, but have a 1% back load, 0.35% 12b-1 and 0.75% management fee. The fund expects to return 5% annually. If you plan to have your money invested for five years, what are the expected future values of both the A and B shares?