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QUESTION 3 (25 marks) (a) Dividends are a company's way of sharing their profits with investors who stay put with their investments over a considerable period of time. Dividends are a reliable source of income for many investors and are offered by various instruments like bonds, stocks, mutual funds, and other securities. They also hold a special place in an investors' portfolio for being highly tax efficient. Discuss FOUR (4) types of dividends that a company can pay to its shareholders. instead of cash dividends, in which case shareholders receive additional shares. (6 marks) (b) Mr Fuad Stephens, a building contractor needs to borrow RM500,000 for 12 months. He is considering a loan from two banks. United Overseas Bank offers a simple interest loan of 11 percent with compensating balance of 15 percent and Southern Bank offers a discount interest rate of 12 percent with 10 percent compensating balance. Determine loan from which bank that he needs to consider. (8 marks) (c) Alya Anissa Entreprise has three possible suppliers, each offering different credit terms. Although their credit terms differentiate, their products and services are virtually identical. The credit terms offered by each supplier are shown in the following table; Suppliers A B Credit term 2/10 net 30 5/15 net 45 4/25 net 60 Calculate the effective annual rate for all suppliers. Determine which supplier should Alya Anissa Enterprise consider and justify. (6 marks) (d) AAA Co. plans to issue RM100,000 commercial paper that can be sold at 92% of its par value. If maturity is 9 month and issuing cost is 7%, compute the effective annual rate. (5 marks) QUESTION 3 (25 marks) (a) Dividends are a company's way of sharing their profits with investors who stay put with their investments over a considerable period of time. Dividends are a reliable source of income for many investors and are offered by various instruments like bonds, stocks, mutual funds, and other securities. They also hold a special place in an investors' portfolio for being highly tax efficient. Discuss FOUR (4) types of dividends that a company can pay to its shareholders. instead of cash dividends, in which case shareholders receive additional shares. (6 marks) (b) Mr Fuad Stephens, a building contractor needs to borrow RM500,000 for 12 months. He is considering a loan from two banks. United Overseas Bank offers a simple interest loan of 11 percent with compensating balance of 15 percent and Southern Bank offers a discount interest rate of 12 percent with 10 percent compensating balance. Determine loan from which bank that he needs to consider. (8 marks) (c) Alya Anissa Entreprise has three possible suppliers, each offering different credit terms. Although their credit terms differentiate, their products and services are virtually identical. The credit terms offered by each supplier are shown in the following table; Suppliers A B Credit term 2/10 net 30 5/15 net 45 4/25 net 60 Calculate the effective annual rate for all suppliers. Determine which supplier should Alya Anissa Enterprise consider and justify. (6 marks) (d) AAA Co. plans to issue RM100,000 commercial paper that can be sold at 92% of its par value. If maturity is 9 month and issuing cost is 7%, compute the effective annual rate