accorsing to this data sheet

1. Which depository institution is suitable for a full-time student? Justify your selection with valid reasons.

2. Which depository institution is suitable for a working couples who would like to start depositing their savings, however, require mortgage loans, to construct home, and buy assets like car, and so on? Justify your answer with valid reasons.

3. Which depository institution is suitable for a retired person, who is looking for a regular payment, from their deposits. Justify your answer with valid reasons.

\begin{tabular}{|l|l|l|l|l|l|} \hline Bank Name & Bank Musact & NBO & HSBC & OmanArabBank & Dhofar Bank \\ \hline BranchesinOman & 149 & 60 & 60 & 75 \\ \hline BranchesoutofOman & 6 & 2 & 2610 & NILL & NILL \\ \hline ATM & 486 & 169 & 93 & 150 & 146 \\ \hline CDM & 238 & 42 & 12 & 51 & 57 \\ \hline CCDM & Not available & Not available & Not Available & Not Available & 57 \\ \hline Depositratepas & 0.1%3% & 1%4.25% & 0.55% & 5.5% & Up to 2.5% \\ \hline CheckingAccountrate & 0%0.10% & Not available & Not available & Not available & 0.0%0.10% \\ \hline MortgageRatestarted & 4.25% & 4.99% & 3.99% & 4.75% & 4.5%5.25% \\ \hline CarloanRatestartfrom & 3.49% & 4.75% & ServiceNotAvailable & 3.75% & 3.99% \\ \hline Mini-balancerequired & 100 & 100 & 100 & 100 & 100 \\ \hline Mini-balance(studentAccount) & 0 & 0 & N/A & 0 & 0 \\ \hline Eeesfornon-maintenancebalance & 0.500 OMR & 0.525 OMR & 0.525 OMR & 0.525 OMR & 0.500 OMR \\ \hline Agecstudentaccount) & 1822 & 1825 & Not Available & 1827 & Not Available \\ \hline WithdrawalfromotherATM & 0.1 OMR & 3 time free & O.1 OMR & 0.10MR & 0.1 OMR \\ \hline Mortgagedown & 10% & 20% & 10% & Not available \\ \hline \end{tabular}