You lose out by taking that 4.1% for 60months without taking the 3.8% for 9m FD.

The sweetener in that bundle FD is the 3.8% for 9 months and not the 4.1% for 60m. Ambank sure happy like that.......
...
RHB FD 3.78% for 12m still available, open a SA put RM3k got free gift- a digital blood pressure set and RHB mug. Unlike BR , take free gift at RHB must sign form, good control in RHB.

RHB GIFTS:-

The same goes for my insurance policy etc, some say if you tell, they might kill you off to get the money faster..........not in our family i think.

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.