1. Answer the following (up to two decimal points) by showing the working calculation. The rates of the months for 2018 are shown in the table below. There are 28 days in February and assume you withdraw hibah at the end of each month. Any positive or negative increment in the monthly rates shown is based on the basic rate.

You open a new wadiah account with a deposit of RM5000 on 28.01.2018. You deposit another RM1000 and RM5500 on 13.02.2018 and 30.03.2018 respectively. Again, you deposit another RM1550 on 31.05.2018. Then, you deposit another RM8500 on 10.06.2018 but withdraw RM5000 on 28.06.2018. On 15.12.2018, you withdraw another RM2000 from the account and then withdraw again another RM3250 on 28.12.2018. What will be your total hibah on 30.12.2018?

Table 1: Monthly rates

Month	Rate (%)
Jan	4.00%*
Feb	+0.00%
March	+0.10%
April	-0.10%
May	+0.10%
June	+0.20%
July	-0.10%
Aug	+0.20%
Sept	+0.10%
Oct	+0.20%
Nov	-0.10%
Dec	+0.00%

* Basic rate