Hey sakuraxkisu.

The first account won't have a stochastic element at all and the second one will be based on a bernoulli random variable (yes/no).

What I will ask you to do first is write an expression for the random variable for both with the hints that the first one doesn't change (what does that tell you about the variance?) and the second one is based on a yes/no situation (which is a Bernoulli random variable).

Now for the second one, can you write an equation to get the rate so that the variable returns one rate of the bernoulli is 0 and another rate if it is 1?