I believe the answer would be 118; the reason for that would be you would take $120 then take $22 and add it to the amount because withdrew means you are taking money out so how ever much money you took out would be the amount that you had in your saving. Then if you are depositing $20 you would subtract that amount of money because deposit means that you are adding that money to what you add so you would then subtract that to get the original amount.