went to the branch to apply and was given all the wrong info as such:
- base interest will be fixed according to the SIBOR at point of time when you open the account. subsequently, every year the base interest will change to the prevailing SIBOR at that time
- bonus interest counter will be reset to 0 after 1 year and restart the count
as if that fellow created his own product. he then clarified with his manager and admitted he was not familiar with the new product.
**as what the bros here suggested, checking the faq is your best bet!***
and will need to wait for 1 week for the account to be opened. was told it will be immediate if i'm a new customer. as i had citibank product before, it takes a week as they need to re-verify my particulars. really not sure whether to trust his words.