called BR this morning:

me: is your bank open for lunch time today?
BR: Sir, We close during lunch time on Friday. From 12.45-2.30pm. What can i help?
me: i want to place RM 20k, 3-month FD with BR. What's the rate?
BR: Sir, it is 3.65% p.a.
me: Do i need to open any saving account for the FD?
BR: Unless you are putting more than 6 months, then you need a saving account for monthly interest crediting.
me: Is there any free gift given ?
BR: errr....the gift we have now is only suitable for kids. Sir, do you have kids?
me: Yes, i have three kids.
BR: O then we can give you school bags.
me: Will i get the FD cert, on the spot?
BR: If you are using cash or banker's check, you can get the cert on the spot. But is you are using personal check, then you can only collect the cert after the check cleared in two days time.
me: The rate negotiable?
BR: Sir, for 20k and 3-month, we can only give 3.65%.
me: Ok, i will visit your bank before 12.45pm for the FD placement.
BR: Thank you.