finally done. you are right, CA is optional.
But since the ABM is quite nice and helpful here, so get a non fee SA to support only la 

if anyone interested, can pm me for contact, location PJ.

Kelana jaya brach, I left the namecard in my office   
just look for the ABM when you call/walk in.

The bond market in priority banking is very quiet.

Banks are offering selective bonds based on their criteria. You might not be able to find one bank with good coverage of bonds.

After that, it also depends to RM who prefer to sell investment products with higher bank profits.

Personally, I found that the risk of bond is way higher compare to the interests of FD. Banks are offering >4% for FD for one year term. Bonds are offering 5-6%. I wonder does it worth to take the business risk of defaults with the additional gain of 1%.