Amir joined Takaful Sayang by paying RM400 per month. Takaful Sayang, with a contract of mudharabah investment, has two accounts which are Participant Special Account (PSA) and Participant Account (PA). The takaful offers the following PSA rates:

Year	PSA (%)
First	100*
Second	-10
Third	-40
Fourth	-50
Fifth	-60
Sixth to tenth	-70
Eleventh onwards	-80

* Initial percentage. Any positive or negative increment in the monthly rates shown above is based on the initial rate in the first year.

After twenty five (25) years, Amir wants to terminate the takaful contract. Based on the above information, answer the following questions.

(a) How much is the total amount of money that has become tabarru in that Takaful?

(5 marks)

(b) Assume that Amir neither claims nor makes any withdrawal during the period of his contribution to the Takaful and his total investment profit for twenty five years is RM20,500 (one-off only). How much is the total amount of money that will be received by Amir after he closes the takaful account?

(5 marks)