5. (a) Ann is planning her Europe holiday tour that she wish to take place 4 years from now. This tour needs RM25,000 by then. She has discovered a mutual fund that able to earn 8% interest rate, compounded annually for her investment plan. Required: How much that Ann need to save at the beginning of each year for her to achieve her needed tour fee, RM25,000 by end of Year 4? (5 marks) (b) Evaluate the following 2 different sources of finance available to firms and the impact that each of them impose on the value of the firm. i. 20 years 7% bank loan (7 marks) ii. 9% cumulative preference share (8 marks) (Total 20 marks)