Just got to open my very first FD with HLB

How does the 4.5% p.a 6months works?
Eg: RM10000 deposit x 4.5% = RM450
RM450/2 = RM225?

You need to open a savings account. My experience today, you only can open a HLB FD account at the nearest branch you're staying (address as per IC) or nearest to your office. If you opt to open outside the radius you need to proof that your relatives or friends are living there and provide them with the utility bill.