Ammar deposits RM 500 per month into a savings account for 3 years Within Q3 those 3 years, from yearly bonus, he adds another deposit RM 1000 at the end year 1, 2 and 3. Ammar also need to withdraw RM 200 in months 5, and another RM 300 in months 10 and 11 because emergency reason (in addition 12% per year, to the deposits). The savings accounts give rate of return at, i compounded quarterly. Assume there is no interperiod interest.

Analyse the above scenario include analysis;- 

i. Cash flow diagram.

ii. Net Present Value in the account after 3 years;