1) You opened a savings account three (3) years ago and deposited RM 150 at that time . Last 2 years , you added another RM 300 to the account and last year you deposited additional RM 450 into your account . The rate of return is 5% compounded annually . How much is in your account today ?

2) You expect to receive RM 3,000 at the end of the first and second year , RM 4,000 at the end of the third year and RM 5,000 at the end of the fourth year . How much is the present value of cash flows if the yearly interest rate is 12 percent per year ?

3) Assume you will contribute RM 4,000 a year to your retirement account , with the first payment being made immediately. You will earn 10 percent interest on these funds . How much you can expect to accumulate after 20 years ?