Catheline is an engineer who stays in Perak for almost 20 years. Her husband, Harry is working in Kuala Lumpur and he needs to travel from Ipoh to Kuala Lumpur every week. They have three children who are still studying and a house in Ipoh for past 15 years. As for investment, they bought another house in Kuala Lumpur and rent it out for RM1050 per month. (a) One day, Catheline was checking her bank statement and found out that the balance is lower than her expectation. Based on her bank statement, there are charges for ATM withdrawals and other services which nearly RM100. Catheline decided to look for alternatives to her current saving plan. Discuss FIVE (5) factors that should be considered by Catheline when looking for alternatives to her saving plan. (10 marks) (b) Catheline and her husband are thinking of applying credit from the bank. They want to avoid using credit card as the solution. Based on their situation, suggest ONE (1) credit service provided by the financial institution that suitable for Catheline and her husband and justify your suggestion. (5 marks) Catheline is an engineer who stays in Perak for almost 20 years. Her husband, Harry is working in Kuala Lumpur and he needs to travel from Ipoh to Kuala Lumpur every week. They have three children who are still studying and a house in Ipoh for past 15 years. As for investment, they bought another house in Kuala Lumpur and rent it out for RM1050 per month. (a) One day, Catheline was checking her bank statement and found out that the balance is lower than her expectation. Based on her bank statement, there are charges for ATM withdrawals and other services which nearly RM100. Catheline decided to look for alternatives to her current saving plan. Discuss FIVE (5) factors that should be considered by Catheline when looking for alternatives to her saving plan. (10 marks) (b) Catheline and her husband are thinking of applying credit from the bank. They want to avoid using credit card as the solution. Based on their situation, suggest ONE (1) credit service provided by the financial institution that suitable for Catheline and her husband and justify your suggestion