The following are relevant information pertaining to the results of the business operations for Zain Islamic Bank financial year ending 31 December 2020:

Details	Amount (RM)
Income from operations	60,500,000
Expenses from operations	30,500,000
Administrative expenses	6,550,000
Fee-based income	8,550,000

(a) The above profit from the operation is before the distribution of profit to Mudharabah depositors. The agreed profit-sharing ratio between Zain Islamic Bank and Mudharabah depositors is 60:30 respectively. You are required to determine the profit allocation method of Zain Islamic Bank. Please show all your workings for both methods and provide reasons for the chosen profit allocation method.

(b) Based on the chosen profit allocation method in question 2 (a), you are required to calculate the investor’s rate of return for each investment type. The following information is pertaining to the investment types, average balance, and the weights used for Mudharabah unrestricted investment account in the Zain Islamic Bank for the year 2020:

Investment Types	Average balance	Weights
6 months and less	52,500,000	0.25
9 months and less	70,000,000	0.50
12 months and less	65,500,000	1.00
More than 12 months	45,000,000	1.20
	233,000,000

(c) Encik Abdullah is confused with the features of the Mudharabah unrestricted investment account. Kindly list down the unique features of the Mudharabah unrestricted investment account.