标题的这家银行给existing 和 new customer 大多给相同的利率差

把以下配套当一年fixed看就对了，如市场整体利率跌了 银行也得给具有吸引力的配套吸引顾客啊 第二年可换无锁利率配套啊 再换银行 最多银行只拿回了cash rebate　

如三年内敛卖家，无取消费用 只拿回cash rebate　

*National Day Promo*

First year: 1.89% fixed　

Second year: 2.18% fixed or change to prevailing interest rate then　

Year 3: 2.18% fixed or change to prevailing interest rate　

Thereafter: FHR8 + 1.23%

Fhr 8 refers to our 8 months fixed deposit rate for deposit less than $10k and is currently 0.95%　

3 years locked in　

One time free conversion during year 2 or year 3　

Waiver of cancellation fee due to sales

Wen Yen （标题银行）

98638851