is iQ available nationwide or just klang valley only?

visited the penang ocbc today.

was told that the 4% is no longer applicable since BNM has been lowering rates lately. it is now around 3% or so only.

finally, the ocbc ppl are now pushing the OCBC Builder product, which is a hybrid between savings and endowment plan. the savings portion of this plan gives something like 3.28% while the endowment portion is guaranteed up to certain percentage.

it is also a forced saving type of plan.