If the incomes of Ram & Shyam are in the ratio of 3 ∶ 4 and their expenditures in the ratio of 4 ∶ 5,find the ratio of their savings, given that Shyam saves a third of his income.

1
10 ∶ 15
2
13 ∶ 20
3
15 ∶ 20
4
13 ∶ 15

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