Afzan, who gained RM65,000.00 profit from the sale of his house, has deposited the money with HpL Bank based on Mudarabah contract. The contract stated that the bank will only use the money for the investment in the plantation sector. Without Afzans consent, HpL Bank has invested the money in the industrial sector and suffered loss. Later, the bank explained to Afzan that the loss is on the investors liability. However, Afzan denied it. Discuss the above problems based on the Law of Islamic Transaction.