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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 : BM/PJ/PS

LECTURE : EN.TAN CHO CHIEW

SUBMIT DATE : 17 SEPTEMBER 2010

CONTENT PAGE

PROFILE OF TRAINEE TEACHERS

I - II

ACTKNOWLEDGEMENTS III

TYPE OF NUMBER PATTERNDIAGONAL PATTERNDIAMOND PATTERNPARALLEL PATTERNPARALLELOGRAM PATTERNRECTANGULAR PATTERNTRIANGLE PATTERNSQUARE PATTERNHORIZONTAL PATTERNKETUPAT PATTERNX PATTERNH PATTERNZIG ZAG PATTERN

123456789101112

STUDY CASE 13

COMPARE AND CONTRAST SAVINGS SCHEME

14-48

REFLECTION 49

REFERENCE 50

CONTENT

APPENDIX 51

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.

ACTKNOWLEDGEMENTS

DIAGONAL PATTERN

1 2 3 4 5 6 7 8 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

TYPE OF NUMBER PATTERN

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

1 2 3 4 5 6 7 8 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

1 2 3 4 5 6 7 8 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

1 2 3 4 5 6 7 8 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

1 2 3 4 5 6 7 8 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

1 2 3 4 5 6 7 8 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 24×3=72, 16×3=48, 4×3=12 so if we join all the

answer we can get a triangle shape.

SQUARE PATTERN

1 2 3 4 5 6 7 8 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

1 2 3 4 5 6 7 8 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 horizontal’s shape of number pattern can be formed when the

number at the horizontal’s 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

1 2 3 4 5 6 7 8 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

1 2 3 4 5 6 7 8 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+67÷2=56=47+65÷2.

“H” PATTERN

1 2 3 4 5 6 7 8 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

1 2 3 4 5 6 7 8 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.

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.

STUDY CASE

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

chosen

Bank Simpanan Nasional (BSN)

FIXED SAVING

ACCOUNT

FIXED DEPOSITS

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 long-

term savings scheme

to help provide

higher education

savings for your

child’s 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. It’s

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

A flexible children

savings account

opened to all

individuals below the

age of 18 years.

excel academically

among school-going

children.

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

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

The unique opportunity of

enjoying the flexibility of a

Savings Account, while your

money earns Fixed Deposit

interest rates

HONG LEONG BANK

Hong Leong Senior Savers

Savings Account

Hong Leong Junior Savings

Account

Hong Leong Savings

Account

savings plan with ease and low

opening deposit.

that supporting education and

promoting savings improve the

way people live in the

communities

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)

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 INTEREST RATE

1.0 FIXED SAVINGS ACCOUNT

1 month 2.75%

3 month 2.75%

6 month 2.90%

9 month 2.90%

12 month 3.15%

15 month 3.15%

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)

2.0 FIXED DEPOSITS ACCOUNTS EMPLOYEES GOLD (BSN Gold)

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

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.

3.0 ACCOUNT aware (SAVINGS OF INCOME)

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

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

4.0 ACCOUNT Chess (Child Higher Education Savings Scheme)

- 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 2.50% 15%

6 - 10 years 2.50% 20%

11 - 15 years 2.50% 25%

16 - 20 years 2.50% 30%

PUBLIC BANK

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

RangeNominal Interest

Rate (p.a.)Effective Interest

Rate (p.a.)

Up to RM3,000-00 0.00% 0.00%

Up to RM10,000-00 0.10% 0.10%

Up to RM50,000-00 0.20% 0.20%

Up to RM100,000-00 0.45% 0.45%

Up to RM1.0 Million 0.60% 0.60%

1.0 PLUS SAVINGS ACCOUNT

Above RM1.0 Million 1.00% 1.00%

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.



2.0 50 PLUS SAVINGS PLUS

Savings and Current Interest Rates

50 PLUS SAVINGS ACCOUNT - effective 1 June 2010


Rate (p.a.)

Effective Interest

Rate (p.a.)

Up to RM1,000-00 0.10% 0.10%

Up to RM5,000-00 0.20% 0.20%

Up to RM10,000-00 0.20% 0.20%

Up to RM50,000-00 0.60% 0.60%

Up to RM100,000-00 0.90% 0.90%

Above RM100,000-00 1.45% 1.46%

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.



Savings and Current Interest Rates :

PB SAVELINK ACCOUNT - effective 3 March 2009


Rate (p.a.)Effective Interest

Rate (p.a.)

Up to RM10,000-00 0.00% 0.00%

Up to RM50,000-00 0.05% 0.05%

Up to RM300,000-00 0.20% 0.20%

3.0 PB SAVELINK

Up to RM1.0 Million 0.35% 0.35%

Above RM1.0 Million 0.75% 0.75%

A savings account that offers you basic banking services at minimal cost. It’s 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


Rate (p.a.)

Effective Interest

Rate (p.a.)

Up to RM10,000 0.25% 0.25%

Up to RM30,000 0.25% 0.25%

Up to RM50,000 0.35% 0.35%

Up to RM75,000 0.40% 0.40%

4.0 BASIC SAVINGS ACCOUNT

Up to RM100,000 0.50% 0.50%

Above RM100,000 0.60% 0.60%

HONG LEONG BANK

Features & Benefits

Earn interest on every ringgit

Interest is calculated daily and paid half-yearly. And with our competitive multi-

tiered 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).

1.0 HONG LEONG SAVINGS ACCOUNT

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%

Features & Benefits


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 Charges

Over-the-counter visits(per month)First 6 OTC visits

- FOC

ATM withdrawals (per month)First 8 withdrawal

- FOC*

Interbank GIRO (applicable to both OTC

and Internet Banking)

First 2 transactions per month

- RM0.50 / transaction

2.0 HONG LEONG BASICS SAVING ACCOUNT.

Replacement of Bankcard RM12

Early closure of accounts (closed within

3 months of account opening)RM20

Dormant Account (no activity for 12

months)

For balance above RM10

- RM10 per year

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)


Up to RM10,000 0.25% 0.25%

Up to RM50,000 0.50% 0.50%

Above RM50,000 1.00% 1.00%


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.

3.0 HONG LEONG SENIOR SAVERS 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)


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%

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.

BenefitsJunior Saver's Protection Plan

1st Life Assured 2nd Life Assured

Death (All Causes) RM 45,000 RM 45,000

TPD (All Causes) RM 45,000 RM 45,000

Premium RM 33 per month

Juvenile Death or TPD Benefits

4.0 HONG LEONG JUNIOR SAVERS SAVINGS ACCOUNT

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:

Age attained at Death or TPD % Sum Assured Payable

0 to 1 20%

2 40%

3 60%

4 80%

5 and above 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)


First RM50,000 2.65% 2.68%

Up to RM100,000 0.80% 0.80%

Above RM100,000 1.20% 1.20%

EON BANK

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 :

1.0 SAVING ACCOUNT

With effect from 31 December 2009

Balance (RM) Rates (p.a.)

Up to RM5,000 0.00%

Up to RM10,000 0.20%

Up to RM20,000 0.40%

Up to RM50,000 0.80%

Above RM50,000 1.00%

Eligibility :

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 :







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


Up to RM5,000 0.25%

Up to RM10,000 0.25%

Up to RM20,000 0.40%

Up to RM50,000 0.80%

Above RM50,000 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

Features :

RM 100 as initial deposit for opening account.

3.0 V50 SAVINGS ACCOUNT

RM 100 as minimum balance in the account.

Saving passbook will be provided upon opening of account.

Benefits :







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


Up to RM5,000 0.20%

Up to RM10,000 0.40%

Up to RM20,000 0.70%

Up to RM50,000 1.00%

Above RM50,000 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

Benefits :

Earn more with higher interest rates

Make the most out of your children’s savings with interest rates based on one

month Fixed Deposit Board Rate

Save regularly for your child

4.0 SMART JUNIOR ACCOUNT

As a busy parent, allow us to transfer funds every month into your child’s

account at no cost. Simply sign-up for a monthly fund transfer from your EON

Bank Group account and watch your child’s savings grow.

Earn daily compounded interest

Watch your children’s 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 Group’s 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


Up to RM50,000** 2.75%

Above RM50,000 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 competitive multi-tiered

interest rate,that 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 assistance and thank for the support from

various parties involved.

REFERENCE

1 http://www.eonbank.com.my/consumer/deposits/deposit.shtml

2 http://www.hlb.com.my/pfs/dep/depsa_f.jsp?flag=depsa_f

3 http://www.pbebank.com/en/en_content/personal/deposits/index.html

http://www.pbebank.com/en/en_content/personal/deposits/index.html

http://www.hlb.com.my/pfs/dep/depsa_f.jsp?flag=depsa_f

http://www.eonbank.com.my/consumer/deposits/deposit.shtml