An investor pays RM 120 per annum into a savings account for 12 years. In the first four years, the payments are made annually in advance. In the second four years, the payments are made quarterly in advance. In the final four years, the payments are made monthly in advance. The investor achieves a yield of 6% per annum convertible half-yearly on the investment. Calculate the accumulated amount in the savings account at the end of 12 years. [20 markah] An investor pays RM 120 per annum into a savings account for 12 years. In the first four years, the payments are made annually in advance. In the second four years, the payments are made quarterly in advance. In the final four years, the payments are made monthly in advance. The investor achieves a yield of 6% per annum convertible half-yearly on the investment. Calculate the accumulated amount in the savings account at the end of 12 years. [20 markah]