1. a) Arkays Guesthouse borrows RM 100,000 from KFH Bank at 3% compounded annually for business expansion. This loan will be paid in equal instalments at the end of each year over the next 5 years. Calculate how much will each annual payment be?

2. Based on Question 2. (a), construct a loan amortization schedule that includes beginning balance, yearly payments, interest paid, principal paid, and ending balance for Arkays Guesthouse.

3. Nur Aisya Fatima is planning to invest her savings of RM20,000 in mutual funds that will give a rate of return 4% compounded semiannually. Calculate the future value of her investment 10 years later.