Hey guys. Need some advises here.

Bank A:
BR(4%) + Spread (0.35%) = 4.35%
Full flexi
lock in period 3 years
tenure 35 years
MRTA 100% for 25 years = 14.8k
200 setup fee, rm10 monthly fee

Bank B:
BLR - 2.5% = 4.35% (still exist for me, special case)
semi flexi
lock in period 3 years
tenure 35 years
MRTA 80% for 25 years = 9.9k
Rm25 withdrawal (any branch, anytime w/out notice, even online banking)

Which one is better? I thank for you input in advance!