When I was in OCBC this afternoon, an OCBC customer service trainee in lobby pissed me off  when he insisted to sell me Builder saving plan that I had no free time for it.

Here is the brief conversation between me and him:

Trainee: Oh..why don't you put money in our saving account that can give your more profits and convenience?

Me: Builder saving account? I knew about it. But I am in a hurry, can you help me to proceed my things first?

Trainee: Let me explain this to you first before you place your new FD

Me: How long do you need to take to explain this?

Trainee: about 20 minutes

Me: hah..I cannot wait that long..

Trainee: Anyway it will take the same 20 minutes for us to prepare the check for you.

Me: If like this, then I go to premier room 

Trainee: ok ...

Then inside the premier room, while my FD was in the middle of processing, one male RM and three young female staffs tried to persuade me quite nicely (including some light flirting..) to buy their FRNID.  .under this nice and harmony moment coupled with the romantic soft yellow lighting atmosphere in the premier room..    I suddenly had this imagination.. I felt I was in a massage palace and these three young female massage for me..of course..this imagination excluded the male RM.. I quite enjoyed this moment and I had a good time there even I did not buy the FRNID..

I made 10% return on Aus$ FD. Was told that the additional 5% on foreign FD will end on 10 Sept. will open Mega Saver next week before promotion ends.
Ocbc staffs also try to sell FRNID to me. But since I was burnt by Public Bank capital guarantee structured fund before, I am not interested in investing into any simialr product...on the surface, it sounds attractive but I am sure there are T and C unmentioned...

my other 5 years structured product is performing at 118% after 3 plus year. A wiser choice is to capture the gain now instead of waiting for maturity (5 years ) as it will dilute the return. But to stop now, there is a penalty clause..the person who sold me the product is no longer working...the current colleague also not much helpful in answering questions.... My points is they are only interested to sell to get the commission and 5 years is a long period, it is better to stick to the FD..

guys, do I need to open a savings acc with BR before I can place my FD? Same for KFH? Sorry, new here.

I think the small tool box is a manicure set. Include ear wax removal etc. 

Wa, so now you go short term already ??    Did you get higher than the normal 3 month rate ?

I bet if the Trainee was a sweet pretty curvy young girl, you wouldn't mind wasting 20 minutes with her like you did with the 3 young female staff on NID 

And give me the 3 young girls name, I want to experience the same sensation of 3 young females massaging me at the same time (in my mind).

OCBC PB center like massage palace? PM me which massage palace(s) you go to, I want to be treated like a king    bbgoat and magika, you are welcome to join me 

And Bro, how long did it take for them to process your FD in the PB room?

Placed a 3 month FD at non-negotiable rate at 3.65% in Bank Rakyat.

Was given a white small towel and small tool box that contains a small scissor,
nail cutter and other small tools as gifts.

Will need to go back one more time next week to collect the FD cert, quite troublesome..

Also saw one Chinese woman placed FD there, but she did not know what a PIDM was..

I made 10% return on Aus$ FD. Was told that the additional 5% on foreign FD will end on 10 Sept. will open Mega Saver next week before promotion ends.
Ocbc staffs also try to sell FRNID to me. But since I was burnt by Public Bank capital guarantee structured fund before, I am not interested in investing into any simialr product...on the surface, it sounds attractive but I am sure there are T and C unmentioned...

Yes, those small tools are made from stainless steel material with black color box

Since I have some long term FD, I need some short term FD as well..
Maybe need money to buy expensive and good quality stretcher le..

No, I could not get a better rate.
I tried to ask for a better rate than 3.65% (board rate), but BR said cannot,
because due to only 3 months terms..

No, not necessary to open a saving account.
Unless if you want the monthly earned interest to be paid into your saving account,
then you will need to open a saving account. But this requires a minimum of RM 20K FD deposit.

I bet if the Trainee was a sweet pretty curvy young girl, you wouldn't mind wasting 20 minutes with her like you did with the 3 young female staff on NID 

And give me the 3 young girls name, I want to experience the same sensation of 3 young females massaging me at the same time (in my mind).

OCBC PB center like massage palace? PM me which massage palace(s) you go to, I want to be treated like a king    bbgoat and magika, you are welcome to join me 

And Bro, how long did it take for them to process your FD in the PB room?

Okay thank you. Prefer to have monthly then. I know some of you guys are from Penang, can please advise which BR branch is better in terms of CS and parking availability? Thanks.

Ya, I got about 4 of the manicure set to give out. 

Oh.. the three purty girls is Joe, David and Goliath...   Names like that I declined your invitation..

Processing time for FD placement usually takes around 20 mins and its considered fast considering the numerous documents one has to sign...

So nowadays they try to sell you structured products at the counte itself. Hope they try it on me then they will discovered how loud and rude I can be...he..he.. I remember once the RM tried to sell me some structured products..That time mood is good, just told her not interested and warned her not waste my time..

That was my line ! Got copyright, you know...

Gifts for FD placement sometimes differ from branch to branch. Maybe we can compile the different types of gifts we received from various banks for comparision purposes.

For UOB Penang, I have encountered less than 10 minutes to get the FD cert. Though the longest is up to about 20 minutes. Obviously not including queuing time. UOB wise FD withdrawal no need the cert which is a plus in a way. 

However, I nearly scolded one of their counter girl as she tried to sell UT to me during FD withdrawal. Too persistent ! 

Bro (note not G uncle  ) Magika is good at complaining.    ( Just yesterday I also complained to Philips about Harvey Norman not giving some soft pouch and got it courier to me. But still, respect bro Magika on various bank complaints). 

Okay thank you. Prefer to have monthly then. I know some of you guys are from Penang, can please advise which BR branch is better in terms of CS and parking availability? Thanks.

And give me the 3 young girls name, I want to experience the same sensation of 3 young females massaging me at the same time (in my mind).

OCBC PB center like massage palace? PM me which massage palace(s) you go to, I want to be treated like a king    bbgoat and magika, you are welcome to join me 

And give me the 3 young girls name, I want to experience the same sensation of 3 young females massaging me at the same time (in my mind).

OCBC PB center like massage palace? PM me which massage palace(s) you go to, I want to be treated like a king    bbgoat and magika, you are welcome to join me 

Congratulation on defending your consumer rights..ur learning right...or is it ending considering your age...

What lah, you !    Luckily the Chinese seven month is over, if not I will sue you or visit you during midnight haunting you, Grand Uncle !! 

Just remember to give 4D during your visit will do. 

So now what, with BNM maintaining 3% OPR so no changes in FD rates in sight ...