diff --git a/src/lab/three/one/Account.java b/src/lab/three/one/Account.java
new file mode 100644
index 0000000..e57bbd9
--- /dev/null
+++ b/src/lab/three/one/Account.java
@@ -0,0 +1,34 @@
+package lab.three.one;
+
+
+public class Account
+{
+	private double balance; 
+	public Account( double initialBalance )
+	{
+	
+		if ( initialBalance > 0.0 )
+			balance = initialBalance;
+	}
+	
+	public void credit( double amount )
+	{
+		balance = balance + amount; 
+	} 
+	
+	public void debit(double amount ) {
+		double  newBalance = balance - amount;
+		if (newBalance < 0) {
+			System.out.println("Debit amount exceeds balance.");
+		}
+		else 
+			balance = newBalance;
+		
+	}
+	
+	public double getBalance()
+	{
+		return balance;
+	} 
+} 
+
diff --git a/src/lab/three/one/AccountTest.java b/src/lab/three/one/AccountTest.java
new file mode 100644
index 0000000..628cc0c
--- /dev/null
+++ b/src/lab/three/one/AccountTest.java
@@ -0,0 +1,36 @@
+package lab.three.one;
+
+import java.util.Scanner;
+
+public class AccountTest {
+
+	public static void main(String[] args) {
+		
+		Account account1 = new Account( 50.00 ); 
+		Account account2 = new Account( -7.53 ); 
+
+		System.out.printf( "account1 balance: $%.2f\n",  account1.getBalance() );
+		System.out.printf( "account2 balance: $%.2f\n\n",  account2.getBalance() );
+
+		Scanner input = new Scanner( System.in );
+		double withdrawalAmount; // withdrawal amount read from user
+		
+		System.out.print( "Enter withdrawal amount for account1: " );
+		withdrawalAmount = input.nextDouble(); // obtain user input
+		System.out.printf( "\nsubtracting %.2f from account1 balance\n",  withdrawalAmount );
+		account1.debit(withdrawalAmount);
+		// display balances
+		System.out.printf( "account1 balance: $%.2f\n",  account1.getBalance() );
+		System.out.printf( "account2 balance: $%.2f\n\n",  account2.getBalance() );
+		
+		System.out.print( "Enter withdrawal amount for account2: " );
+		withdrawalAmount = input.nextDouble(); // obtain user input
+		System.out.printf( "\nsubtracting %.2f from account2 balance\n",  withdrawalAmount );
+		account2.debit(withdrawalAmount);
+		// display balances
+		System.out.printf( "account1 balance: $%.2f\n",  account1.getBalance() );
+		System.out.printf( "account2 balance: $%.2f\n",  account2.getBalance() );
+
+	}
+
+}
diff --git a/src/lab/three/two/Student.java b/src/lab/three/two/Student.java
new file mode 100644
index 0000000..d19356f
--- /dev/null
+++ b/src/lab/three/two/Student.java
@@ -0,0 +1,62 @@
+package lab.three.two;
+
+public class Student {
+	
+	private String firstName;
+	private String lastName;
+	private double grade1, grade2, grade3;
+	
+	public Student(String firstName, String lastName, double grade1, double grade2, double grade3) {
+		this.firstName = firstName;
+		this.lastName = lastName;
+		this.grade1 = grade1;
+		this.grade2 = grade2;
+		this.grade3 = grade3;
+	}
+
+	public String getFirstName() {
+		return firstName;
+	}
+
+	public void setFirstName(String firstName) {
+		this.firstName = firstName;
+	}
+
+	public String getLastName() {
+		return lastName;
+	}
+
+	public void setLastName(String lastName) {
+		this.lastName = lastName;
+	}
+
+	public double getGrade1() {
+		return grade1;
+	}
+
+	public void setGrade1(double grade1) {
+		this.grade1 = grade1;
+	}
+
+	public double getGrade2() {
+		return grade2;
+	}
+
+	public void setGrade2(double grade2) {
+		this.grade2 = grade2;
+	}
+
+	public double getGrade3() {
+		return grade3;
+	}
+
+	public void setGrade3(double grade3) {
+		this.grade3 = grade3;
+	}
+	
+	public double getAverage() {
+		return (grade1 + grade2 + grade3)/3;
+	}
+	
+
+}
diff --git a/src/lab/three/two/StudentTest.java b/src/lab/three/two/StudentTest.java
new file mode 100644
index 0000000..e19d5c6
--- /dev/null
+++ b/src/lab/three/two/StudentTest.java
@@ -0,0 +1,11 @@
+package lab.three.two;
+
+public class StudentTest {
+
+	public static void main(String[] args) {
+		Student stu = new Student("Ahmad", "Barakat", 95, 90.5, 87);
+		String message = "The student %s has an average of %.2f";
+		System.out.printf(message, stu.getFirstName(), stu.getAverage());
+	}
+
+}