INSTITUT PENDIDIKAN GURU MALAYSIA KAMPUS KENT,TUARAN

PROGRAM PERSEDIAAN IJAZAH SARJANA MUDA PERGURUAN (PPISMP) AMBILAN JUN 2010

BASIC MATHEMATICS
NAME : SHERNA SUFINA BINTI SAHADAN NORMAH ALAM IC NUMBER : 920413-12-6202

920423-12-6660 OPTION LECTURE SUBMIT DATE : : : BM/PJ/PS EN.TAN CHO CHIEW 17 SEPTEMBER 2010

CONTENT
CONTENT
PROFILE OF TRAINEE TEACHERS ACTKNOWLEDGEMENTS
TYPE OF NUMBER PATTERN
DIAGONAL PATTERN DIAMOND PATTERN PARALLEL PATTERN PARALLELOGRAM PATTERN RECTANGULAR PATTERN TRIANGLE PATTERN SQUARE PATTERN HORIZONTAL PATTERN KETUPAT PATTERN X PATTERN H PATTERN ZIG ZAG PATTERN

PAGE
I - II

III

1 2 3 4 5 6 7 8 9 10 11 12 13

STUDY CASE

COMPARE AND CONTRAST SAVINGS SCHEME

14-48

REFLECTION REFERENCE APPENDIX

49

50 51

ACTKNOWLEDGEMENTS
As the opening word, we want to express our gratitude to God or the opportunities given to us to complete the Basic Math coursework in a given period. Thanks gratitude goes to our lecturer, Mr Tan Cho Chiew has given guidance and assistance in completing the course work. The guidance and assistance we have given the best possible use during complete this coursework.And also thank him for willing to take the time to hold discussion with both of us to do this even if only briefly. Thank dedicated to both our parents have given moral support and financial terms of either direct or indirect.Do not forget to thank the brother and sister seniors and also friends who willing to give guidance and share information and also exchange ideas during our assigned task is completed.Before we forget,we also wish to express our gratitude to sign the Bank is involved is willing to provide the information we need to complete this task. Thank a lot we given to all that invoved to complete our coursework.

TYPE OF NUMBER PATTERN

DIAGONAL PATTERN

10

11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70

71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
From this chart , we can see by the multiplication of 9 and 11,the straight line each other be form. Even it is not vertically or horizontlly straight nor from bottom to top or from one end to another end but it is still produce a pattern that is straight line. This pattern is called a diagonal.

DIAMOND PATTERN

9 10

11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70

71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
From this chart, we can conclude that the pattern of diamond is form by the sum of number for each opposite corner then divided by 2 will form the same number of answer.For example in this chart : (26 + 86) = 112 = (53 + 59) Then ,when 112 divided by 2, it will be get the same anwers and the anwer is 56.

PARALLEL PATTERN

9 10

11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60

61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
When the all multiple of 5 and 10 are form together either in increasing or decreasing order, the parallel line of number pattern can be formed.As example : Number 5 until 95 in order of multiple of 5 and the number 10 until 100 in order of multiple of 10 is a parallel with each others.

PARALLELOGRAM PATTERN

9 10

11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60

61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
From this chart,a parallelogram shape of number pattern can be formed when the sums of entries in opposite corners form the same number of answer.As example : (42 + 70) = 112 = (49 + 63) Futhermore ,the parallelogram pattern can be formed by multiplication of 7 at the number of corner.As example : 6 X 7 = 42 , 7 X 7 = 49 , 9 X 7 = 53 and 10 X 7 = 70.

RECTANGULAR PATTERN

9 10

11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50

51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
From this chart, ,the sums of entries in opposite corners are equal then the rectangular pattern will be formed. For example : (43 + 67 ) = 110 = (47 + 63)

TRIANGLE PATTERN

9 10

11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50

51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
From the chart,the number pattern of triangle that I has discovered. All of this number is multiples of 3. For example 243=72, 163=48, 43=12 so if we join all the answer we can get a triangle shape.

SQUARE PATTERN

9 10

11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40

41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
From this chart,a square shape of number pattern can be formed when the sum of the each opposite corner is form a same number of answer.As example : (34 + 67) = 101 = (37 + 64)

HORIZONTAL PATTERN

9 10

11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40

41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
From this chart,a horizontals shape of number pattern can be formed when the number at the horizontals line is added together,then the sum of it is divided by the number that has been added before will form the number at the middle of the horizontal line.As example : ( 20 + 30 + 40 + 50 + 60 + 70 + 80 ) = 350 7 = 50

KETUPAT PATTERN

9 10

11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30

31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
There are seven parallelograms which can be seen from the number chart with a highlith of pattern of the multiplication of 6. However the pattern does not go along with the increasing order for the multiplication of 6.Actually that pattern can also be interpreted as two large parallelograms overlapping each other diagonally on the right side. Interestingly,some assume that the pattern above resembles ketupat shape.

X PATTERN

9 10

11 12 13 14 15 16 17 18 19 20

21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
From this chart,we can determine a X-shape from a number pattern. If we sums a number of the entries opposite corner and divided with 2 we can get a equal number of the center of arrow. There are 45+672=56=47+652.

H PATTERN

9 10

11 12 13 14 15 16 17 18 19 20

21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
From this chart,a H-shape of number pattern can be formed when the sum of all the number on the line equals to the number at the centre multiplied by 7.As example : 12+22+32+42+52+62+72+43+44+45+46+47+48+18+28+38+58+68+78= 855 = 45 X 19

ZIG ZAG PATTERN

9 10

11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
If we arrange the multiplication of 5 in an increasing order,we can see a zig-zag pattern.The pattern is becoming apparent especially if we highlight the pattern with the lines which will resemble a zig-zag pattern.

STUDY CASE

1.Give meaning to the type of savings account in each of our four banks chosen. 2.Identify the type of savings account and compare against each qualification, the terms and conditions and interest rates available in each of the selected bank.

The meaning to the type of savings account in each of our four banks chosen

Bank Simpanan Nasional (BSN)

FIXED DEPOSITS FIXED SAVING ACCOUNT ACCOUNTS EMPLOYEES GOLD (BSN Gold)

ACCOUNT aware (SAVINGS OF INCOME)

ACCOUNT Chess (Child Higher Education Savings Scheme)

Keep some money for a certain period of time while enjoying the benefits specified

It is a special fixed deposit scheme for senior citizens. These customers can save some money for a certain period as well as the benefits prescribed.

The only savings account that allows you to save a fixed sum each month for a period of 24 months to achieve your goals faster and yield higher interest rates and bonuses

Chess or Child of Higher Education Savings Scheme (Higher Education Savings Scheme Children) is a longterm savings scheme to help provide higher education savings for your childs future.

Public Bank

50 Plus Savings Account

Basic Savings Account

PB Bright Star Savings Account Smart Savings Habits Start Early

Young Achiever Savings Account (YASA)

Designed for senior citizens, it offers greater security, comfort and returns to our customers who are in their golden years. It comes with features and services that make it the ideal account to save your retirement fund.

A savings account that offers you basic banking services at minimal cost. Its open to all individual Malaysian citizens and permanent residents.

Introduce your little ones to PB Bright Start savings account today to nurture them to save for the future. PB Bright Star encourages savings by making it fun! PB Bright Star savings account is open to all children below 18 years old. Not only is it easy to get started, a yearly Star Achiever Programme will be organised for the children to nurture the habit to excel academically among school-going children.

A flexible children savings account opened to all individuals below the age of 18 years.

EON BANK

V50 SAVING ACCOUNT

SMART JUNIOR

HIGH FLEXI SAVING ACCOUNT

This account give priority to individuals aged 50 years and above

. Designed

for those below

The unique opportunity of enjoying the flexibility of a Savings Account, while your money earns Fixed Deposit interest rates

18 ,the features are tailored to his/her needs rewarding them with exclusive privileges, rewards and higher returns to give your child the head start to a brighter future

HONG LEONG BANK

Hong Leong Senior Savers Savings Account savings plan with ease and low opening deposit.

Hong Leong Junior Savings Account that supporting education and promoting savings improve the way people live in the communities

Hong Leong Savings Account savings plan with ease and low opening deposit.

2.Identify the type of savings account and compare against each qualification, the terms and conditions and interest rates available in each of the selected bank.

Bank Simpanan Nasional (BSN)

1.0 FIXED SAVINGS ACCOUNT
Keep some money for a certain period of time while enjoying the benefits specified. 7 years of age and above. Can be created by individuals through private accounts, trusts, joint and Organization. The maturity of the 1, 3, 6, 9, 12 and 15 months. Minimum Deposit for a month is RM1, 000 while the minimum deposit for other periods is 500. Customers have the option of payment of interest due either: i) By cash ii) the Credit Account in GIRO / GIRO-i iii) Transfer through IBG / Trans Benefits provided for the interim six-month storage period of 15 months only. If the redemption is less than a month, no interest will be paid and if the redemption prior to maturity then the interest will be deducted 50% of the lowest interest rates. Fixed Deposit Interest Rates (effective July 16, 2010)

PERIOD
1 month

INTEREST RATE
2.75%

3 month

2.75%

6 month

2.90%

9 month

2.90%

12 month

3.15%

15 month

3.15%

2.0 FIXED DEPOSITS ACCOUNTS EMPLOYEES GOLD (BSN Gold)

It is a special fixed deposit scheme for senior citizens. These customers can save some money for a certain period as well as the benefits prescribed.

Who is eligible to make deposits Individuals aged 50 years and above. Malaysian citizens and non-citizen permanent address in Malaysia.

Type of savings that can be opened private individuals only. minimum amount of each deposit is RM5, only 000. The deposit is 12 months and 15 months. Senior Citizen Fixed Deposit BSN Emas (In force on June 2,2010)

Amaunt ( RM)

Interest Rate
12 month 15 month

5,000 50,000

3.10%

3.15%

>50,000 ke atas

3.15%

3.20%

Terms & Conditions Account offers attractive rates of interest. Interest will be credited every four months into the BSN Giro only.

ADDITIONAL BENEFITS For senior citizens who are qualified, FD you can reserve for loan products such as: Personal Loan Credit Card Micro Finance Housing Loans HP Terms & Conditions

3.0 ACCOUNT aware (SAVINGS OF INCOME)

The only savings account that allows you to save a fixed sum each month for a period of 24 months to achieve your goals faster and yield higher interest rates and bonuses. Save for any purpose, such as: Vacation Marriage Education of Other The more you save each month for the faster you achieve your goals.

ACCOUNT FEATURES aware

Enjoy higher interest rates and bonuses to keep you as follows: Period Savings Interest Rate per annum Bonus 12 months 2.5% 15% bonus on the interest earned The next 12 months 2.5% 30% bonus on the interest earned

Enjoy high-yield WORK

After the expiry of 24 months, the savings can not continue in the account so you. However, the savings in your account will continue to enjoy high returns for the following years. Interest rates per annum Bonus 2.5% 30% bonus on the interest earned Interest rates effective May 8, 2009. Interest rates are subject to change.

If you want to continue to participate in this scheme, so you can open a new account.

Account Opening Malaysian citizens, Permanent Residents and Foreign Nationals with a permanent address in Malaysia.

 Can be opened at any branch BSN. Staff of Government Departments and firms may contact the nearest branch of the BSN for their group to open an account.

Who are worthy to open account - Persons aged 18 years and above.

TYPE OF ACCOUNT TO BE OPENED Personal Accounts and Joint Accounts.

SAVINGS Minimum monthly deposits is RM50 or in multiples of monthly savings. monthly deposits must be received within 7 days of each month to be eligible to \ receive benefits for that month. All deposits will earn interest calculated according to the monthly minimum balance and the benefits / bonus credited after the end of each 12 month period. Savings can be made through salary deduction, Standing Orders or save the cash / check-in counter BSN

4.0 ACCOUNT Chess (Child Higher Education Savings Scheme)

Chess or "Child of Higher Education Savings Scheme (Higher Education Savings Scheme Children) is a long-term savings scheme to help provide higher education savings for your child's future. Chess privilege high interest rates and bonus interest. Academic Excellence Award for UPSR, PMR, SPM, STPM. Stewards of the account to withdraw money and make regular minimum savings per month are eligible for a free Premium Savings Certificate units per year savings. Governors have your free Personal Accident Insurance cover of up to 10 times the amount of savings or a maximum RM20, 000, whichever is lower. Chess Opening an account Chess is a scheme which provides a minimum monthly storage facilities of RM50 per month continuously for a period of 21 years or until the manager / child reaches the age of 21 years. 3 Types of Accounts Offered

(1) Personal account of age 12-18 years (12-16 years old must obtain permission from the parent / legal guardian)

(2) Joint account opened by - an individual with 12 years of age and above in the Main Account of Governors must be aged 18 years and above while the second does not exceed 18 years

(3) Trust account - Trust parents / guardian who is the trusted of the children / heirs. The age limit for children / heirs of one day old to 18 years

CHESS (In force on 8 Mei 2009)

PERIOD

Bonus on the interest

1 - 5 years 6 - 10 years 11 - 15 years 16 - 20 years

2.50% 2.50% 2.50% 2.50%

15% 20% 25% 30%

PUBLIC BANK

1.0 PLUS SAVINGS ACCOUNT

PLUS Savings offers :

Ease of opening an account for individuals (resident and non-resident) or registered organisations, associations, clubs or societies, with an initial deposit of just RM250.

Minimum balance to be maintained in the account at any one time is only RM1. Competitive interest rates calculated daily and credited half-yearly as at 30 June and 31 December every year.

Interest is payable on balances above RM3,000. Easy access to your account through any Public Bank branch, ATM, PB Telebanking or PBeBank.com.

Savings and Current Interest Rates : PLUS SAVINGS ACCOUNT - effective 3 March 2009 Range Up to RM3,000-00 Up to RM10,000-00 Up to RM50,000-00 Up to RM100,000-00 Up to RM1.0 Million Above RM1.0 Million Nominal Interest Rate (p.a.) 0.00% 0.10% 0.20% 0.45% 0.60% 1.00% Effective Interest Rate (p.a.) 0.00% 0.10% 0.20% 0.45% 0.60% 1.00%

2.0 50 PLUS SAVINGS PLUS

Designed for senior citizens, it offers greater security, comfort and returns to our customers who are in their golden years. It comes with features and services that make it the ideal account to save your retirement fund. 50 Plus Savings offers :

Ease of opening an account for individuals (personal or joint) aged 50 years and above. For joint account, one of the depositors must be aged 50 years and above.

High returns with interest calculated on a multi-tier flat rate basis, compounded daily and credited monthly as at month-end.

Interest is payable on all balances. Convenience of opening a current account without any introducer. Additional savings as we will waive the service charge on your current account, and give you a host of discounts on selected insurance products with Lonpac Insurance Berhad, creation of will with PB Trustee Services and many other discounts as well.

Added convenience every time you visit a Public Bank branch as you will have access to the Special Care Counters that provides priority service for senior citizens.

All these array of services and benefits are offered to you with an opening deposit of only RM2,000.

Minimum balance to be maintained at any one time is only RM1. Easy access to your account through any Public Bank branch, ATM, PB Telebanking or PBeBank.com.

Savings and Current Interest Rates

50 PLUS SAVINGS ACCOUNT - effective 1 June 2010

Range

Nominal Interest Rate (p.a.) 0.10% 0.20% 0.20% 0.60% 0.90% 1.45%

Effective Interest Rate (p.a.) 0.10% 0.20% 0.20% 0.60% 0.90% 1.46%

Up to RM1,000-00 Up to RM5,000-00 Up to RM10,000-00 Up to RM50,000-00 Up to RM100,000-00 Above RM100,000-00

3.0 PB SAVELINK

While saving has its own rewards, PB SaveLink offers you a bonus in the form of BonusLink Points. You'll earn Points every month just for having money in the bank! Save enough and you'll be able to redeem a free gift for yourself. PB SaveLink offers :

Ease of starting an account, with an initial deposit of just RM500. Minimum balance to be maintaned at any one time is only RM1. Value-added BonusLink Points on every ringgit you have in your account, provided you keep a Monthly Average Credit Balance (MACB) of RM500 and above per month.

Every one (1) Ringgit of MACB would be accorded 0.02 BonusLink Points. Extra BonusLink Points would be awarded for every Ringgit you spend to purchase Banker's Cheques/Demand Drafts for MIDF/MIH public share issue via debiting of PB SaveLink Account over the counter, subject to a minimum purchase of RM2000.

Multi-tier interest calculated daily and credited monthly as at every month-end. Interest is payable on balances above RM10,000. Easy access to your account through any Public Bank branch, ATM, PB Telebanking or PBeBank.com.

Savings and Current Interest Rates :

PB SAVELINK ACCOUNT - effective 3 March 2009

Range Up to RM10,000-00 Up to RM50,000-00 Up to RM300,000-00 Up to RM1.0 Million

Nominal Interest Rate (p.a.) 0.00% 0.05% 0.20% 0.35%

Effective Interest Rate (p.a.) 0.00% 0.05% 0.20% 0.35% 0.75%

Above RM1.0 Million 4.0 BASIC SAVINGS ACCOUNT 0.75%

A savings account that offers you basic banking services at minimal cost. Its open to all individual Malaysian citizens and permanent residents. Basic Savings Account offers :

Ease of opening an account for individuals (personal or joint) with an initial deposit of just RM20.

Minimum balance to be maintained at any one time is RM20. Savings passbook is provided. Interest is calculated daily and credited half yearly as at 30 June and 31 December

Earn interest irrespective of account balance. Easy access to your account through any Public Bank branches, ATM, PB Telebanking or PBeBank.com

Other FREE services offered: - Cheque, cash and coin deposits. - Self serve deposits.

Waiver of annual fee for Bankcard/ATM Card. Free 6 over-the-counter visits. Free 8 ATM cash withdrawals

BASIC SAVINGS ACCOUNT - effective 23 March 2009

Range Up to RM10,000 Up to RM30,000 Up to RM50,000 Up to RM75,000 Up to RM100,000 Above RM100,000

Nominal Interest Rate (p.a.) 0.25% 0.25% 0.35% 0.40% 0.50% 0.60%

Effective Interest Rate (p.a.) 0.25% 0.25% 0.35% 0.40% 0.50% 0.60%

HONG LEONG BANK

1.0 HONG LEONG SAVINGS ACCOUNT

Features & Benefits

Earn interest on every ringgit Interest is calculated daily and paid half-yearly. And with our competitive multitiered interest rate, the higher your account balance, the higher the interest earned.

Convenient access to your account For your convenience, you can conduct your banking via our nationwide branches, ATM network, Hong Leong Phone Banking and Hong Leong Online.

Easy to Open You can open your account with just RM200. Easy Bills Payment You may also arrange to have your regular payment paid directly from your account through Standing Instruction service or even pay your utility bills through our ATMs, Hong Leong Phone Banking or Hong Leong Online services.

Hong Leong Savings Account Passbook The Hong Leong Savings Account passbook provides you with a record of all your transactions including interest earned so you can see your savings grow.

Eligibility

You must be 18 years old and above. You only need a minimum of RM200 to open the account. No introducer is required.

The Hong Leong Savings Account can be operated as a personal account (either on individual or joint basis).

This account is also applicable to individuals, societies, club and associations.

Terms & Conditions

Subject to terms and eligibility. Hong Leong Bank reserve the right to review and change the above features and benefits at their discretion from time to time.

Interest Rates : Hong Leong Savings Account (wef 14/07/2010) Balance Range Interest Rates p.a. Effective Rates p.a.

Up to RM10,000

0.10%

0.10%

Up to RM50,000

0.25%

0.25%

Up to RM100,000

0.50%

0.50%

Above RM100,000

1.00%

1.00%

2.0 HONG LEONG BASICS SAVING ACCOUNT.

Features & Benefits Earn interest on every ringgit Interest is calculated daily and paid half-yearly. Low initial deposit You can open your account with just RM20. Convenient access to your account For your convenience, you can conduct your banking via our nationwide branches, ATM network, Hong Leong Online, Hong Leong Phone Banking and Hong Leong Mobile Banking. Monthly Transaction Limit The first 6 over-the-counter (OTC) transactions visits and 8 ATM cash withdrawals per month are free, except for Interbank GIRO transactions. Fees & Charges Type of Charge Over-the-counter visits(per month) Charges First 6 OTC visits - FOC First 8 withdrawal - FOC* First 2 transactions per month - RM0.50 / transaction RM12 RM20

ATM withdrawals (per month) Interbank GIRO (applicable to both OTC and Internet Banking) Replacement of Bankcard Early closure of accounts (closed within 3 months of account opening)

For balance above RM10 - RM10 per year Dormant Account (no activity for 12 months) For balance of RM10 & below - The bank will close the account and absorb the remaining balance as a service charge *excludes Interbank Cash Withdrawals via MEPS network. Eligibility

Only applicable to Malaysian citizens and permanent residents, age 18 years and above.

Accountholders can be single-named or joint. This account is NOT applicable to non-residents, societies, clubs and associations

Interest Rates : Hong Leong Basic Savings Account (wef 23/03/2009) Balance Range Interest Rates p.a. Effective Rates p.a.

Up to RM10,000

0.25%

0.25%

Up to RM50,000

0.50%

0.50%

Above RM50,000

1.00%

1.00%

3.0 HONG LEONG SENIOR SAVERS SAVINGS ACCOUNT

Earn interest on every ringgit Interest is calculated daily and paid monthly. You get to earn interest on every ringgit and with our competitive multi-tiered interest rate, the higher your account balance, the higher the interest earned. Easy Access to Your Account For your convenience, you can conduct your banking via our nationwide branches, ATM network, Hong Leong Phone Banking and Hong Leong Online.* Checking Convenience* You can enjoy the convenience of cheque access to your account whenever required. A Sense of Security You are protected with FREE Personal Accident Insurance Coverage of RM30,000*. Additional Benefits on your Hong Leong Senior Savers Account: Discounts and Waivers

Enjoy rebates on selected HLA General Insurance policies and discounts on rental of safe deposit lockers*.

Up to 0.5% lower Unit Trust/Investment sales charge for investments starting from RM10,000*

Eligibility

You must be 55 years old and above. The minimum opening balance is RM 10,000 in Savings Account.

Terms & Conditions 1. Rental of Safe Deposit lockers are subject to availability. 2. The Personal Accident Insurance shall cease upon a claim or wherever the balance in the account is below RM10,000 or when you reach the age of 75. Subject to terms and eligibility. Hong Leong Bank reserve the right to review and change the above features and benefits at their discretion from time to time. Interest Rates : Hong Leong Senior Savers Account (wef 14/07/2010)

Balance Range

Interest Rates p.a.

Effective Rates p.a.

Up to RM10,000

0.20%

0.20%

Up to RM50,000

0.40%

0.40%

Up to RM100,000

1.00%

1.00%

Above RM100,000

1.55%

1.56%

4.0 HONG LEONG JUNIOR SAVERS SAVINGS ACCOUNT

Savings

High savings interest at 2.65% p.a. up to RM50,000 Interest calculated daily and credited monthly Savings passbook provided to help your child keep track of their finances Open an account now with RM 1

Optional Junior Savers Protection Plan

Low monthly premium - RM1.10 a day for complete protection for both adult and child.

Covers both death and total permanent disability. Up to RM90,000 coverage per life; no medical examination required. Accumulated income fund available upon termination of policy. Coverage will commence immediately for death / TPD caused by accidents. Hassle free payment convenience through debiting your Hong Leong Junior Savings Account.

Junior Saver's Protection Plan Benefits 1st Life Assured Death (All Causes) TPD (All Causes) Premium Juvenile Death or TPD Benefits In the event of the death or TPD of the Life Assured occurring before age of five (5) years, the Sum Assured payable under the Basic Life Policy shall be reduced as follows: RM 45,000 RM 45,000 RM 33 per month 2nd Life Assured RM 45,000 RM 45,000

Age attained at Death or TPD 0 to 1 2 3 4 5 and above

% Sum Assured Payable 20% 40% 60% 80% 100%

Eligibility

Children and teenager below 18 years of age

Terms & Conditions

The Junior Savers Protection Plan is underwritten by Hong Leong Assurance Berhad.

One free withdrawal per month. Subsequent withdrawal will be charged at RM2 in the same calendar month.

Subject to terms and eligibility. Hong Leong Bank reserves the right to review and change the above features and benefits at their discretion from time to time.

Interest Rates : Hong Leong Junior Savings Account (wef 14/07/2010)

Balance Range First RM50,000

Interest Rates p.a. 2.65%

Effective Rates p.a. 2.68%

Up to RM100,000 Above RM100,000

0.80% 1.20%

0.80% 1.20%

EON BANK

1.0 SAVING ACCOUNT

Features : RM 1 as initial deposit for opening of INDIVIDUAL account RM 500 as initial deposit for opening of NON-INDIVIDUAL account Saving passbook will be provided upon opening of account

Benefits :

Multi-tiered interest rate Interest is calculated daily and credited half yearly Convenience access to account via nationwide branches, ATM network, Internet Banking and Phone Banking facility. Convenience of cash and cheque deposit via our Cash Deposit Machine and Cheque Deposit Machine

Interest Rates :

With effect from 31 December 2009 Balance (RM) Up to RM5,000 Up to RM10,000 Up to RM20,000 Up to RM50,000 Above RM50,000 Eligibility : Rates (p.a.) 0.00% 0.20% 0.40% 0.80% 1.00%

Individual aged 12 and above. Non-individual Association/club/societies etc registered with the Registrar of Societies, Registered House of worship.

How to Apply : Individual: Identity card for Malaysian Passport for foreigner Non -individual:

Certificate of Registrations Constitution of Rules & regulation Resolution/Minutes passed by meeting appointing authorized signatories. Personal identification documents for signatories
2.0 BASIC SAVING ACCOUNT

Features :

RM 20 as initial deposit for opening of account. Savings passbook will be provided upon opening of account Benefits : Multi-tiered interest rate Interest is calculated daily and credited half yearly Convenience access to account via nationwide branches, ATM network, Internet Banking and Phone Banking facility. Convenience of cash and cheque deposit via our Cash Deposit Machine and Cheque Deposit Machine Enjoy unlimited ATM withdrawal and over the counter transactions at an annual fee of RM 8. Enjoy two (2) Interbank GIRO transactions at RM 0.50 per transaction, performed every month over the counter (OTC) and/ or Internet Banking (by debit account only).

Interest Rates : With effect from 11 January 2010

Balance (RM) Up to RM5,000 Up to RM10,000 Up to RM20,000 Up to RM50,000 Above RM50,000 Rates (p.a.) 0.25% 0.25% 0.40% 0.80% 1.00%

Eligibility :

 Must be Malaysian Citizen or Permanent Resident. Individual aged 12 and above

Other Fees & Charges : RM 12 for ATM Replacement PMPC/ Combi Debit Master Card due to lost/ damaged/ stolen/ lost PIN (service charge - RM 4, annual fee - RM 8) RM 20, if account closed within 3 months from date of opening. Other charges according to EON Bank Group Standard Charges Book

3.0 V50 SAVINGS ACCOUNT

Features :

RM 100 as initial deposit for opening account. RM 100 as minimum balance in the account. Saving passbook will be provided upon opening of account.

Benefits : Multi-tiered interest rate Interest is calculated daily and credited half yearly Convenience access to account via nationwide branches, ATM network, Internet Banking and Phone Banking facility. Convenience of cash and cheque deposit via our Cash Deposit Machine and Cheque Deposit Machine Enjoy waiver on service charge/ commision for the following: Service charge on automatic fund transfer facility from/to account(s) within the Bank; Service charge on purchase of travellers cheques; Service charge/Commission on purchase of foreign demand draft; Service charge on purchase of cashier's order for subscription of MIDF/MIH new share issue (limited to 10 pieces per account via account debiting and 10 pieces per day via cash payment); Entitled for Prestige Banking membership if the V50 Savings Account holder maintains a minimum deposit of RM 200,000.

Interest Rates :
With effect from 31 December 2009

Balance (RM)

Rates (p.a.)

Up to RM5,000 Up to RM10,000 Up to RM20,000 Up to RM50,000 Above RM50,000

0.20% 0.40% 0.70% 1.00% 1.40%

Note: A minimum balance of RM100 is required to enjoy higher rates above the generic Savings rates

Eligibility :

Individual aged 50 and above Joint accounts are allowed at least one of the joint account holder is 50 years old and above How to Apply : Identity card for Malaysian Passport for foreigner

4.0 SMART JUNIOR ACCOUNT

Benefits :

Earn more with higher interest rates Make the most out of your childrens savings with interest rates based on one month Fixed Deposit Board Rate

Save regularly for your child As a busy parent, allow us to transfer funds every month into your childs account at no cost. Simply sign-up for a monthly fund transfer from your EON Bank Group account and watch your childs savings grow.

Earn daily compounded interest Watch your childrens money grow every month by earning daily compounded interest rates with interest paid monthly.

Affordable initial deposit We have made it easy for your children to open this great account with an affordable opening amount of RM1.00.

Fee-Free account Enjoy the true benefits of saving with this fee-free account so your children can learn about banking without worrying about their savings being reduced away by fees and charges.

Smart Junior Awards EON Bank Groups Smart Junior Account rewards your children for excellent academic results. Receive Cash Award for achieving Straight As in Government exams:

UPSR

PMR

SPM

RM80

RM100

RM150

Smart Junior Club Be apart of our 'Smart Junior Club' and gain access to a list of benefits such as: One day dedicated banking for Smart Junior Club members at all EON Bank branches Take part in our activities such as colouring contests and treasure hunts and win fabulous prizes Surf our interactive website and access to useful information and updates on Smart Junior Club Take advantage of the useful articles and learn more about savings

MySavings Journey Card To make savings more fun, exciting and rewarding, you will be given a 'MySavings Journey Card. For every minimum deposit of RM50 into your Smart Junior Account, you will receive a stamp on your 'MySavings Journey Card. Collect a total of 10 stamps and exchange the card for a gift. Alternatively, you may opt to accumulate more cards to exchange for other gifts.

Gifts that are available are Smart Junior Limited Edition watch, Smart Junior colouring pencil, Smart Junior backpack school bag or even Smart Junior aluminium bottle with pouch.

Interest Rates

With effect from 30 July 2010 Balance (RM) Up to RM50,000** Above RM50,000 Rates (p.a.) 2.75% 1.25%

Note: Applicable to maximum withdrawal of once per calendar month only. If withdrawal is made more than once, the interest rate will be based on Normal Savings Account rates. Eligibility :

EON Bank Group Smart Junior Account is opened to all children, from infants to
toddlers to teens, up to 18 years of age. In fact, the earlier your children start, the more they save.

We have agreed to choose Hong Leong Bank of choice to make savings in our future.We choose Hong Leong Saving Account that offerd in Hong Leong Bank.We choose this bank because it is easy to open because there is no complicated document or form to sign in compare to the other bank. The eligibility is comfortable with us that must be 18 years old and above.We only need a minimum of RM200 to open the account. No introducer is required. The Hong Leong Savings Account also can be operated as a personal account (either on individual or joint basis).This account is also applicable to individuals, societies, club and associations.

In addition,this bank offers the earn interest on every ringgit and the interest is calculated daily and paid half-yearly.This bank also offers interest rate,that competitive multi-tiered

the higher our account balance, the higher the interest earned

compare the other bank.This bank have convenient access to our account.For our convenience, we can conduct our banking via our nationwide branches, ATM network, Hong Leong Phone Banking and Hong Leong Online.

It also have

Easy Bills Payment that may our

arrange to have our regular

payment paid directly from our account through Standing Instruction service or even pay our utility bills through they ATMs, Hong Leong Phone Banking or Hong Leong Online services.The other bank have not any speciallity like this bank. Hong Leong Savings Account Passbook provides our with a record of all our transactions including interest earned so we can see our savings grow.For the terms & conditions, Hong Leong Bank reserve the right to review and change the above features and benefits at their discretion from time to time. After we see the interest rates that we may get,we think this bank is good for saving money for the good future.

REFLECTION
During complete this task, we found lot of new experiences that we have not experienced until today.Its began when our basic mathematics lecturer, Mr Tan Cho Chiew submit assignments to our classes Bahasa Melayu1 (SJKC).We feel panic and fear of course .However, we take a positive attitude to accept this task and determined to do our best.

Because my friends and I were not clear about the demands of this task, we ultimately seek clarification and help from sister Elisha Paul PPISMP PJ Semester 3. After long discussions, we asked to borrow the basic mathematical books in the Resource Centre for IPG Kent used as reference material.We ask the opinion of Mr Tan Choo Chiew on drafts of our work that have done.

Then, we were asked to add some more information to complete the course our work.In addition, we provide a number of collaboration with Mr Tan Cho Chiew on draft assignments that we have complete it.After everything goes smoothly, finally we were able to do successfully completed the various parties involved. assistance and thank for the support from

REFERENCE
1 2 3 http://www.eonbank.com.my/consumer/deposits/deposit.shtml http://www.hlb.com.my/pfs/dep/depsa_f.jsp?flag=depsa_f http://www.pbebank.com/en/en_content/personal/deposits/index.html