BR called about Raya open house in the branch. Last year was held in Penang Pesta, a bigger venue. They are good in this type of public relations. Just few months back a high tea in a hotel. Chinese new year get hampers for selected customers. 

I am very tempted to conclude there must be a reason why ppl cannot get 4.285%.  TOHTHB

Kemaluan?.. Please look out in the dictionary to read what does it mean

Now back to peace and quiet. The genius is away ? Thanks for your 96 punch !   

1st batch got problem on the 6th month..then after that no more.

Your previous ones any issue ?

Their system not very stable. I do have problem but was resolved after complain to RM. 
There are others more worthy of HNWI than me. 

I took a look again at the MBSB offer of 18 mth 4.5%. I think what @wil-i-am said is correct. Both are general investment i product. Even MBSB return is not fixed as it is Islamic product.

MBB manager admitted that it is NOT a FD product. Another MBB branch said capital is guaranteed by MBB but it is NOT capital guaranteed.

Looking at the 2, MBB one is better at 12 mth and also monthly interest. 

Also MBB one is invested on its sister Islamic Bank so safer in a way ? MBB is a much bigger bank. 

Can always go bank rakyat. 4.5%pa for 5 years. Interst paid monthly.

Other than 2 times have problem with SCB on the 6 mth interest issue, all other times are OK. I have 9 FD's with SCB which pay 6 mth interest.
Now I was thinking MBB offer of 12 mth 4.5% (monthly interest) is better than MBSB 18 mth 4.5% (interest on maturity).

MBSB 5 years 4.7% is the best. But still kind of hesitating on 5 years and MBSB's entity. If they became a full fledge bank, then will have more confidence. I did put in some eggs there recently. They told me they are trying to move into the direction of a full fledge bank.