beware of OCBC staff when buying their investment product eg insurance and unit trust..very deceiving and unreliable RM at Orchard, does not even know what he sells yet anyhow commit to us..luckily we are CFA certified and ask him few ques which he got dumbfolded like a donkey! We advise public record down the comm with any OCBC staff or email evidences, dont simply rely on their verbal. OCBC is a real shame to Singapore banks reputation!