BMW (UOB) and Merce (OCBC) for sure have ESP (PIDM) la....except for their very old models.
I am a risk taker, I can take this 5 years risk, no risk how to gain..? 
And this type of FD risk is not as risky as share market.

Yesterday just IBG earned interest from iRakyat to RHB, this afternoon checked with RHB, received fund
from iRakyat to RHB successfully.

Received on missed call 03-21179000 from Bank Rakyat this morning, I guess Bank Rakyat wanted to verify my
IBG transaction.

Also received one SMS from Bank Rakyat during this late afternoon, I think it was regarding to my iRakyat IBG transaction:
"Satu transaksi akaun anda di IRakyat telah dilakukan pd 25/11/2013. Hubungi Bank Rakyat 13008812265 sekiranya
anda tidak melakukan transaksi tersebut."

50k can nego till wat rate?
bank rakyat?

Wow, risk taker loh !!    I am short term risk taker, 1 year FD. 

Ya, so far I am happy with BR's IBG transaction, on time and no issue. 

BR now require 100k and above for nego rate. 

Dear all, I am here want to share my experience about loan. It
seem not related to this forum but i know about "PB" start from
this forum. ( i will delete my post next week)

I am high commitment of housing loan and keep looking for the
possible of refinance, i had bad experienced from CXXX bank, the
agent keep on asking me "wait,wait....." after two month - reject.

So i join the OXBX premier want to experience what is so called
"premier housing loan". I provided full documents and submit the loan. The same things happen to me again, i asked for valuation ( wait, wait.... after 1 week replied, normally not called the valuer and get instantly). I ask for possibly for max loan (wait, wait...again, no answer until now).

I ask for the progress when can submit ( wait, wait .. again)
The third week i am on fire. Today i directly call the service
hotline request the branch manager call me back and answer me.

The manager promise to give me an answer and "wait" his call
after clarify the details, but i didnt get the call anymore.
I dont know what is so called premier service, the process is
even slower than normal service.

I would like to make a complain to the HQ about my experience
but i hope the buddy with OXBX Premier here can support me.
With one PB customer , they may just ignore my complaint, if i
can say i have a lot of PB friends, they may take note about this
issue.

If you can provide me the PB card number and surname, ( i think i also cannot do any fraud/cheat to your cards to do any bad things affect you).

I will attach with my complain letter to show our members united power to let them do more efficient.

Thank you. My card ( Mr.Tan 48001 39XXX)

Please message me , if you willing to help me

Before you complain to HQ, incase you r not aware that BNM is tightening lending rules recently especially housing loan. Check the latest lending restrictions imposed by BNM with your banker first before complaining.

I will be surprised if you get an answer on which branch. Ha ha. 

Likely to be branch related as diff branch hold the function in diff location and diff time. 

Just received the invitation cards today.
This makan function is not the local branch function. It is organised by BR headquarter for all the branches of BR in Penang.

I heard  there are a total of 7 branches and they invited  more than 100 pax.

Find out from your local BR branch not to miss out.

Forever BR supporter..

Just received the invitation cards today.
This makan function is not the local branch function. It is organised by BR headquarter for all the branches of BR in Penang.

I heard  there are a total of 7 branches and they invited  more than 100 pax.

Find out from your local BR branch not to miss out.

Forever BR supporter..

Just received the invitation cards today.
This makan function is not the local branch function. It is organised by BR headquarter for all the branches of BR in Penang.

I heard  there are a total of 7 branches and they invited  more than 100 pax.

Find out from your local BR branch not to miss out.

Forever BR supporter..

FD/IFD-i Countdown 2 Campaign

We are offering the returns up to 3.40% p.a. when you make a Fixed Deposit placement with us. This Fixed Deposit campaign will commence for a period of two (2) weeks only from 18 November until 30 November 2013.

Minimum Placement

    RM10,000 for Individual/Retail
    RM25,000 for SME/Business Banking
    RM25,000 for Sole Proprietor, Partnership, Associations, Clubs and Societies

Maximum Placement

    Conventional FD
        No limit for Retail/Individual
        RM20.0 Million per entity for SME/BB, Sole Proprietor, Partnership &Club / Societies/  Association

    Islamic IFD-i
        No maximum limit imposed on either Retail/Individual or SME BB customers

Tenor  *Campaign Rate Effective Rate  Prevailing Board Rate
1st Month  3.10% p.a. 3.25% p.a.    3.00% p.a.
2nd Month  3.40% p.a.

Which bank also not stated... 

If you do follow the previous post, the FD is offered by Maybank. But I don't think the interest rate is competitive as compared to Affin Bank & OCBC

Worth consideration for 2 months FD