Let's say you put RM10,000 for 1 year in Public Bank Foreign FD,you must take the money out after 1 year regardless of the currency fluctuation, meaning you cannot just leave the money in there and wait for a better exchange rate, they will automatically change it back into RM for you then wait for you to go and take the money. You cannot do auto renewal.

This is what i was told around oct 2007 by Public Bank.