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2 FIRST METRO SAVE & LEARN BALANCED FUND, INC President s Report

3 FINANCIAL HIGHLIGHTS AS OF FIRST METRO SAVE AND LEARN BALANCED FUND, INC. (An Open-End Mutual Fund Company) STATEMENTS OF COMPREHENSIVE INCOME Years Ended December % VAR INVESTMENT INCOME Trading gain - net (Notes 7, 8 and 15) 268,459,432 16,774, % Interest income (Note 11) 16,710,167 8,773,981 90% Dividend income 12,450,867 8,923,069 40% Miscellaneous income 1,083,767 - n.a. 298,704,233 34,471, % OPERATING EXPENSES n.a. Management fees (Note 15) 24,141,863 12,586,447 92% Taxes and licenses 5,508,034 5,467,384 1% Brokers commission 3,690,396 2,496,334 48% Custodian and clearing fees 238, ,005 3% Directors and officers fees (Note 15) 217, ,000 0% Professional fees 271, ,024 28% Miscellaneous 541, , % 34,608,520 21,371,506 62% NET INVESTMENT INCOME BEFORE INCOME TAX 264,095,713 13,099, % PROVISION FOR FINAL TAX (Note 13) 3,315,549 1,568, % NET INVESTMENT INCOME (Note 14) 260,780,164 11,531, % OTHER COMPREHENSIVE INCOME n.a. Changes in the fair value of available-for-sale investments (21,870,191) 25,858, % TOTAL COMPREHENSIVE INCOME 238,909,973 37,389, %

4 FIRST METRO SAVE AND LEARN BALANCED FUND, INC. (An Open-End Mutual Fund Company) STATEMENTS OF FINANCIAL POSITION FINANCIAL HIGHLIGHTS AS OF Years Ended December % VAR ASSETS Cash and Cash Equivalents (Notes 6 and 15) 102,250,390 21,195, % Financial Assets at Fair Value through Profit or Loss (Note 7) 1,292,226, ,629, % Available-for-Sale Investments (Note 7) 204,628, ,876,584 28% Loans and Receivables (Notes 8 and 15) 11,990,845 87,313,394-86% Creditable Withholding Taxes 70,673 60,347 17% 1,611,167, ,075, % LIABILITIES Accounts Payable and Accrued Expenses (Notes 9 and 15) 33,348,245 7,900, % Derivative Liabilities (Note 8) - 741, % 33,348,245 8,642, % EQUITY Capital Stock (Note 10) 482,672,086 92,917, % Additional Paid-in Capital (Note 10) 473,231,561 18,220, % Deposits for Future Shares Subscriptions (Note 10) 288,233, ,204,998-47% Net Unrealized Gain on AFS Investments (Note 7) 3,987,900 25,858,091-85% Retained Earnings 329,693,304 94,231, % 1,577,818, ,433, % TOTAL LIABILITIES AND EQUITY 1,611,167, ,075, %

5 FINANCIAL HIGHLIGHTS AS OF SALBF: SUMMARY OF INCOME STATEMENT % VAR. TOTAL INCOME 110,660, ,799, % TOTAL EXPENSES 26,450, ,257, % IBIT 84,210, ,541, % NET INCOME 77,408, ,328, % SALBF: SUMMARY OF BALANCE SHEET % VAR. TOTAL ASSETS 2,594,535, ,614,848, % TOTAL LIABILITIES 23,238, ,930, % CAPITAL 2,471,297, ,583,918, %

6 PORTFOLIO ALLOCATION 12/30/ /30/2013 RANK STOCK DESCRIPTION % STOCK DESCRIPTION % PSB Philippine Savings Bank 6.41% 1 PSB Philippine Savings Bank 5.45% MBT Metropolitan Bank and Trust Corp. 5.39% 2 GTCAP GT Capital Holdings, Inc. 4.59% SM SM Investment Corporation 5.04% 3 COSCO Cosco Capital, Inc. 4.29% PIP Pepsi-Cola Products Philippines 4.96% 4 SM Sm Investments Corporation 4.10% PGOLD Puregold Price Club Inc 4.35% 5 MWIDE Megawide Construction Corporation 3.79% AC Ayala Corporation 3.91% 6 TEL PLDT 3.74% BDO Banco de Oro Unibank Inc. 3.84% 7 AC Ayala Corporation 3.72% ALI Ayala Land, Inc. 3.75% 8 MBT Metropolitan Bank and Trust Co. 3.21% VLL Vista Land and Lifescapes Inc 3.43% 9 PIP Pepsi-Cola Products Philippines, Inc. 3.17% GTCAP GT Capital Holdings, Inc. 3.40% 10 SMPH Sm Prime Holdings 2.46%

7 J-12 F-12 M-12 A-12 M-12 J-12 J-12 A-12 S-12 O-12 N-12 D-12 J-13 F-13 M-13 A-13 M-13 ASSETS UNDER MANAGEMENT AS OF ,000,000,000 2,500,000,000 2,000,000,000 1,500,000,000 1,000,000, ,000,000 0 SALBF AUM As of P1.5 Bln up 100% YTD As of P2.5 Bln up 56% YTD

8 ASSETS UNDER MANAGEMENT AS OF SALBF MARKET SHARE 46% Sun Life Prosperity Balanced Fund, Inc. Philam Fund, Inc. ALFM Growth Fund, Inc. SALBF 1% 1% 19% GSIS Mutual Fund, Inc. Optima Balanced Fund, Inc. 2% 1% 6% 6% 18% ATRKE Philippine Balanced Fund, Inc. NCM Mutual Fund of the Phils., Inc. Bahay Pari Solidaritas Fund, Inc.

9 46% ASSETS UNDER MANAGEMENT AS OF SALBF MARKET SHARE Sun Life Prosperity Balanced Fund, Inc. ALFM Growth Fund, Inc. Philam Fund, Inc. 1% 1% 0% 1% 4% 21% First Metro Save and Learn Balanced Fund, Inc. PAMI Horizon Fund, Inc. ATRKE Philippine Balanced Fund, Inc. NCM Mutual Fund of the Phils., Inc. 7% 19% Bahay Pari Solidaritas Fund, Inc. Optima Balanced Fund, Inc.

10 COMPARATIVE FUND PERFORMANCE AS OF Period 1-yr 3-yr 5-yr YTD Rank Bahay Pari Solidaritas Fund 25.69% 19.09% na 25.48% 1 Sunlife Prosperity Balanced Fund 25.88% 19.26% 9.50% 25.38% 2 SALBF: % 29.28% 24.02% 25.27% 3 Optima Balanced Fund 24.89% 19.15% 9.36% 24.89% 4 Philam Fund 24.59% 23.94% 11.80% 24.60% 5 GSIS Mutual Fund 23.73% 22.50% 11.46% 23.74% 6 ATRKE Philippine Balanced Fund 23.34% 19.46% 8.30% 23.36% 7 NCM Mutual Fund 22.02% na na 21.52% 8 ALFM Growth Fund 19.49% 22.08% na 19.17% 9 Average (Other Funds) 23.88% 21.85% 12.41% 23.71% SALBF's RANK As of SALBF Yield Fr Total Return % CAGR 18.65%

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12 EQUITIES MARKET OUTLOOK July 2013

13 MONEY FLOW REVERSAL

14 CASH OUTFLOWS TURN WORLD S BEST STOCKS TO WORST: SOUTHEAST ASIA Stock markets in Indonesia, the Philippines and Thailand have gone from being the world s best to among the worst as the threat of reduced bond purchases by the U.S. Federal Reserve sends foreign investors to the exit. (Source: Bloomberg) Korea (USD 4.8 B) Taiwan (USD 4.1 B) Indonesia (USD 2.1 B) Thailand (USD 1.6B) Philippines (USD 387 M) Vietnam (USD 71M)

15 VOLATILITY IS BACK!

16 Fundamentals Shaken by Structural Stress China United Sates GDP Growth (1Q13) 7.6% 1.8% Unemployment 4.10% 7.6% Inflation (CPI) 2.10% 1.4% National Savings 50% 13.8% Debt -to-gdp 23% 105% Budget-deficit 1.5% of GDP 8.5% of GDP China Credit Rating Fitch: A+ Fitch: AAA - China has the resources to continue state support for companies - can tap its huge FX reserves of around US$3.5 Trillion - Still has trade surplus of $20.4 bn - Current account surplus of 2.3% of GDP ($47.6 bn)

17 China Risks 1. China economic slowdown/hard landing: growth trimmed to 7.7% from 8.0%, by IMF and World Bank and could slow to 6.0% in Shadow banking: strong credit growth driver - potential source of financial instability 3. Lending boom: which historically precedes financial crises 4. Asset bubble risk: e.g. real estate 5. Policy risk: e.g. effective communication of the Central Bank s intentions

18 OECD: PHL is Strong and Least Vulnerable Composite Coincident Indicators firmed up to points last quarter from points the preceding three months, while the Composite Leading Indicators edged up points from points. Composite Ci

19 E EXPENSIVE BUT HAS UPSIDE PSEi 8,000 7,000 6,000 5,000 4,000 3,000 2,000 1, P/E Estimate 18.7x P/E

20 ACCELERATING GDP UNDERPINS EPS GROWTH Real GDP (in Php tn) EPS Growth % E

21 GDP GROWTH RATES 1Q2004 (Presidential Election Year) 1Q2007 (General Election Year) FY2013 Estimate 7.0% - 7.5% /31/2003 3/31/2004 3/31/2005 3/31/2006 3/31/2007 3/31/2008 3/31/2009 3/31/2010 3/31/2011 3/31/2012 3/31/ /31/2013 1Q2010 (Presidential Election Year)

22 2013 YTD TOTAL RETURN, 2013E EPS GROWTH % SERVICES HOLDING FIRMS PROPERTY FINANCIALS -7.31% INDUSTRIAL MINING & OIL 1.00% 19.53% 18.09% 18.29% 11.30% 21.04% 9.97% 34.17% 31.40% 25.00% -40% -30% -20% -10% 0% 10% 20% 30% 40%

23 SECTOR GDP DRIVERS Growth Rates % Household Consumption Government Consumption Service Sector

24 PHL GROSS INTERNATIONAL RESERVES VS. FOREIGN DEBT

25 PHL CURRENT ACCOUNT & BALANCE OF PAYMENTS

26 PHL NET DEBT/EQUITY

27 PHL DEBT-TO-GDP

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29 7/11/2008 1/27/2009 8/15/2009 3/3/2010 9/19/2010 4/7/ /24/2011 5/11/ /27/2012 6/15/2013 SALEF vs PSEi Performance Comparison SALBF VS PSEI PERFORMANCE COMPARISON YTD 1Y 3Y 5Y 2012 SALBF 7% 13% 83% 211% 25% PSEi 9% 20% 89% 151% 33% -22% -15% SALBF PSEi

30 7/4/2008 1/20/2009 8/8/2009 2/24/2010 9/12/2010 3/31/ /17/2011 5/4/ /20/2012 6/8/2013 SALEF vs PSEi Performance Comparison SALEF VS PSEI PERFORMANCE COMPARISON SALEF: -19% PSEi: -22% YTD 1Y 3Y 5Y 2012 SALEF 5% 12% 89% 209% 27% PSEi 8% 19% 89% 151% 33% PSEi SALEF

31 SECTOR PICKS FINANCIALS 15% PROPERTY 14% HOLDING FIRMS 22% POWER & ENERGY 22% CONSUMERS 27%

32 A NEW ERA THE NEW NORMAL 1. Monetary tightening 2. Rate increases 3. Sterilization of excess liquidity 4. Market corrections 5. Prevention of economic overheating

33 WHAT THE US RECOVERY MEANS TO PHL Short term Negative impact due to volatility Long term Positive impact due to more trade US is our biggest trading partner Money flows will return to EMs with solid fundamentals

34 FORECAST PSEi target 7,200 by year-end Underpinned by 20% EPS growth (normalized for banks) 18.7x PE In sync w/ accelerating 2013 GDP, 7.0%-7.5% GDP Growth Drivers: Nearly 100M population, bigger than Malaysia, Taiwan, HK and Singapore combined. Government expenditure PPP, Double-digit Public % Private Construction Growth Services Sector Projected GDP per capita at USD2,850 in 2013 (from USD2,600 in 2012) Investment grade credit rating Strong liquidity Fastest growing economy in Asia with 1Q13 GDP of 7.8%

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37 FIRST METRO SAVE & LEARN DOLLAR BOND FUND, INC President s Report

38 FIRST METRO SAVE AND LEARN DOLLAR BOND FUND, INC. (Formerly First Metro Save and Learn Money Market Fund, Inc.) (An Open-End Mutual Fund Company) STATEMENTS OF COMPREHENSIVE INCOME FINANCIAL HIGHLIGHTS AS OF Years Ended December % VAR INVESTMENT INCOME Interest income (Notes 11 and 14) 7,809,724 7,138, % Trading gains 0.0% 7,809,724 7,138, % OPERATING EXPENSES n.a. Management fees (Note 14) 1,284,327 1,339, % Directors and officers fees (Note 14) 222, , % Custodian and clearing fees 110,627 60, % Professional fees 67,760 56, % Taxes and licenses 30,072 27, % Miscellaneous 21,399 33, % 1,736,185 1,740, % INVESTMENT INCOME BEFORE INCOME TAX 6,073,539 5,398, % PROVISION FOR FINAL TAX (Note 12) 1,561,945 1,522, % NET INVESTMENT INCOME 4,511,594 3,876, %

39 FINANCIAL HIGHLIGHTS AS OF FIRST METRO SAVE AND LEARN DOLLAR BOND FUND, INC. (Formerly First Metro Save and Learn Money Market Fund, Inc.) (An Open-End Mutual Fund Company) STATEMENTS OF FINANCIAL POSITION Years Ended December % VAR ASSETS Cash and cash equivalents (Notes 6 and 14) 211,576, ,701, % Accrued interest receivable (Notes 7 and 14) 388, , % 211,964, ,206, % LIABILITIES Accounts payable and accrued expenses (Notes 8 and 14) 213, , % EQUITY Capital stock (Note 9) 19,834,265 19,715, % Additional paid-in capital (Note 9) 181,997, ,845, % Retained earnings 9,919,981 5,416, % 211,751, ,977, % 211,964, ,206, %

40 FINANCIAL HIGHLIGHTS AS OF SALDBF: SUMMARY OF INCOME STATEMENT % VAR. TOTAL INCOME 2,446, ,982, % TOTAL EXPENSES 892, , % IBIT 1,554, ,174, % NET INCOME 1,065, ,377, % SALDBF: SUMMARY OF BALANCE SHEET % VAR. TOTAL ASSETS 212,935, ,964, % TOTAL LIABILITIES 267, , % CAPITAL 212,667, ,778, %

41 SALDBF PORTFOLIO ALLOCATION PORTFOLIO ALLOCATION AS OF Loans and receivables 15% AFS investments 22% Cash & cash equivalents 63%

42 J-12 F-12 M-12 A-12 M-12 J-12 J-12 A-12 S-12 O-12 N-12 D-12 J-13 F-13 M-13 A-13 M-13 J-13 ASSETS UNDER MANAGEMENT AS OF ,000, ,000, ,000, ,000, ,000, ,000, ,000, ,000, ,000, ,000, ,000, ,000,000 SALDBF AUM As of P212 Mln Up2.8% YTD As of P213 Mln up 0.4% YTD

43 ASSETS UNDER MANAGEMENT AS OF % SALMMF MARKET SHARE 19% ALFM Money Market Fund, Inc. ATR KimEng Money Market Fund, Inc. SALMMF 0% 13% 66% Philam Managed Income Fund, Inc. Sun Life Prosperity Money Market Fund

44 COMPARATIVE FUND PERFORMANCE AS OF Period 30-day 90-day 180-day YTD Rank ALFM Money Market Fund 0.15% 0.69% na 3.02% 1 Philam Managed Income Fund -0.08% 0.44% 1.04% 2.43% 2 SALMF: % 0.50% 1.02% 2.19% 3 Sunlife Prosperity Money Market Fund 0.01% 0.04% 0.10% 0.37% 4 Average (Other Funds) 0.06% 0.42% 0.72% 2.00% SALMF's RANK SALMMF Yield Fr Total Return 6.05% CAGR 1.66%

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47 FIRST METRO SAVE & LEARN FIXED-INCOME FUND, INC President s Report

48 FIRST METRO SAVE AND LEARN FIXED-INCOME FUND, INC. (An Open-End Mutual Fund Company) STATEMENTS OF COMPREHENSIVE INCOME INCOME FINANCIAL HIGHLIGHTS AS OF % VAR Trading gain - net (Notes 7 and 8) 163,021,732 93,821,050 74% Interest income (Note 12) 60,005,863 26,272, % Miscellaneous Income 4,051,071 n.a. EXPENSES 227,078, ,093,963 89% Management fees (Note 16) 40,909,200 18,763, % Taxes and licenses (Note 17) 7,753,848 4,611,339 68% Professional fees 172, ,680-32% Directors and officers fees (Note 16) 232, ,000 9% Custodian and clearing fees 111,631 60,099 86% Miscellaneous 1,576,210 1,444,221 9% 50,755,369 25,344, % INVESTMENT INCOME BEFORE INCOME TAX 176,323,297 94,749,241 86% PROVISION FOR INCOME TAX (Note 13) 10,060,443 3,532, % NET INVESTMENT INCOME (Note 14) 166,262,854 91,216,336 82% OTHER COMPREHENSIVE INCOME Changes in fair values of available-for-sale investments 4,663,464 4,312,799 8% Income tax effect (Notes 7 and 13) Years Ended December 31 TOTAL COMPREHENSIVE INCOME 170,926,318 95,529,135 79%

49 FIRST METRO SAVE AND LEARN FIXED-INCOME FUND, INC. (An Open-End Mutual Fund Company) STATEMENTS OF FINANCIAL POSITION FINANCIAL HIGHLIGHTS AS OF Years Ended December % VAR ASSETS Cash and cash equivalents (Notes 6 and 16) 270,806, ,376,674-65% Financial assets at fair value through profit or loss (Note 7) 1,198,684,928 - n.a. Available-for-sale investments (Note 7) 273,388,234 59,153, % Loans and receivables (Notes 8 and 16) 186,242, ,384,859-20% Other assets 659, , % TOTAL ASSETS 1,929,781,873 1,070,223,890 80% LIABILITIES Accounts payable and accrued expenses (Notes 9 and 16) 15,416,135 9,127,268 69% Derivative liabilities (Note 8) - 3,138,280 n.a. 15,416,135 12,265,548 26% EQUITY Capital stock (Note 10) 995,304, ,474, % Additional paid-in capital (Note 10) 555,469,510 93,693, % Deposits for future shares subscriptions (Note 10) 78,085, ,292,479-85% Net unrealized gain on AFS investments (Note 7) 8,976,263 4,312, % Retained earnings 276,530, ,184, % 1,914,365,738 1,057,958,342 81% TOTAL LIABILITIES AND EQUITY 1,929,781,873 1,070,223,890 80%

50 FINANCIAL HIGHLIGHTS AS OF SALFIF: SUMMARY OF INCOME STATEMENT % VAR. TOTAL INCOME 467,186, ,611, % TOTAL EXPENSES 38,548, ,665, % IBIT 428,637, ,945, % NET INCOME 420,138, ,273, % SALFIF: SUMMARY OF BALANCE SHEET % VAR. TOTAL ASSETS 3,161,468, ,925,853, % TOTAL LIABILITIES 113,253, ,332, % CAPITAL 3,048,215, ,920,520, %

51 PORTFOLIO ALLOCATION RANK INSTRUMENT % INSTRUMENT % FXTN 59.91% 1 FXTN 52.63% Bonds 18.17% 2 Bonds 18.60% Time Deposits 13.85% 3 Retail Treasury Bond 10.65% Loans and Discounts 8.08% 4 Loans and Discounts 9.52% 5 Time Deposits 8.60%

52 J-12 F-12 M-12 A-12 M-12 J-12 J-12 A-12 S-12 O-12 N-12 D-12 J-13 F-13 M-13 A-13 M-13 J-13 ASSETS UNDER MANAGEMENT AS OF ,500,000,000 3,000,000,000 2,500,000,000 2,000,000,000 1,500,000,000 1,000,000, ,000,000 0 SALFIF AUM As of P1.9 Bln Up 82% YTD As of P3.0 Bln up 59% YTD

53 ASSETS UNDER MANAGEMENT AS OF ALFM Peso Bond Fund, Inc. SALFIF MARKET SHARE 1% Cocolife Fixed Income Fund, Inc. Ekklesia Mutual Fund, Inc. 0% 1% 8% 3% 0% 3% 0% 9% 75% SALFIF Grepalife Bond Fund Corporation Philam Bond Fund, Inc. Philequity Peso Bond Fund, Inc. Prudentialife Fixed Income Fund, Inc. Sun Life Prosperity Bond Fund, Inc. Sun Life Prosperity GS Fund, Inc.

54 ASSETS UNDER MANAGEMENT AS OF SALFIF MARKET SHARE ALFM Peso Bond Fund, Inc. 80% Philam Bond Fund, Inc. 0% 0% 1% 0% 0% 2% 3% 7% 7% Sun Life Prosperity Bond Fund, Inc. First Metro Save and Learn Fixed Income Fund, Inc. Cocolife Fixed Income Fund, Inc. Sun Life Prosperity GS Fund, Inc. Grepalife Bond Fund Corporation Philequity Peso Bond Fund, Inc. Ekklesia Mutual Fund, Inc. Prudentialife Fixed Income Fund, Inc.

55 COMPARATIVE FUND PERFORMANCE AS OF Period 1-yr 3-yr 5-yr YTD Rank SALFIF: % 11.97% 8.56% 11.31% 1 Grepalife Bond Fund 10.71% NA NA 10.77% 2 Philam Bond Fund 10.33% 8.34% 6.51% 8.97% 3 Philequity Peso Bond Fund 6.91% NA NA 8.03% 4 Prudential Fixed Income Fund 7.82% 5.24% 2.82% 7.82% 5 Cocolife Fixed Income Fund 7.67% 8.89% 8.94% 7.63% 6 Ekklesia Mutual Fund 7.05% 7.87% 6.04% 6.82% 7 Sun Life Prosperity GS Fund 6.48% 7.68% 6.28% 6.05% 8 ALFM Peso Bond Fund 5.99% 7.23% 6.14% 5.87% 9 Sun Life Prosperity Bond Fund 5.84% 7.38% 5.87% 5.75% 10 Average (Other Funds) 8.03% 8.08% 6.40% 7.90% SALFIF's RANK As of SALFIF Yield Fr Total Return 83.61% CAGR 8.77%

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57 First Metro Asset Management, Inc. FUND PERFORMANCE AND OUTLOOK SAVE AND LEARN FIXED INCOME FUND July 13, 2013

58 2013 PERFORMANCE as of July 12, 2013 Fund Size: PhP3,112,328,501 NAVPU: YTD Return: 18.17% 5-Year Government Bond 3-Year Government Bond China Bank TD (30 days) BDO TD (30 days) Metrobank TD (30 days) Gross % % 1.250% 1.250% 0.875% Net % % 1.00% 1.00% 0.70%

59 2013 PERFORMANCE NAVPU January 2008 July 12, NAVPU % % 12.05% % % %

60 2013 PERFORMANCE 20-Year Government Securities Yield January 2008 July 12, YTD 2013 Trading Gain 9.250M M M M M Interest Income M M M M M

61 2013 PERFORMANCE SALFIF vs Industry as of July 12, Dec Jul-13 YTD % change SALFIF % Philequity Peso Bond Fund, Inc % Prudential Fixed Income Fund % Ekklesia Mutual Fund % Philam Bond Fund % Sun Life Prosperity Bond Fund % Ayala Life Fixed Income Fund % Grepalife Bond Fund Corp % Sun Life Prosperity GS Fund % Cocolife Fixed Income Fund %

62 2013 PERFORMANCE Portfolio Mix as of July 12, 2013 Trading Portfolio PRINCIPAL NET RATE/ YTM % OF FUND CASH 79,309, % 2.926% TIME DEPOSIT 275,355, % % PROMISSORY NOTES 30,000, % 1.107% GOVERNMENT SECURITIES 1,382,430, % % SUBTOTAL 1,767,095, % % Annuity Portfolio PRINCIPAL NET RATE/ YTM % OF FUND CORPORATE NOTES 445,950, % % CORPORATE BONDS 497,860, % % SUBTOTAL 943,810, % % TOTAL PORTFOLIO 2,710,905, % 100%

63 PHILIPPINE INTEREST RATES Dec 30, Dec 29, 2011 Dec 28, m 6m 1y 2y 3y 4y 5y 6y 7y 8y 9y 10y 15y 20y 25y

64 PHILIPPINE INTEREST RATES Dec 28, July 12, m 6m 1y 2y 3y 4y 5y 6y 7y 8y 9y 10y 15y 20y 25y

65 PHILIPPINE INTEREST RATES July 12, Year-End m 6m 1y 2y 3y 4y 5y 6y 7y 8y 9y 10y 15y 20y 25y

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