1) Can send marketing emails, but system error when subscribing eStatement, how advanced the system is. 2) It takes forever to ship the OctaSavers ATM card (more than a month still nothing), very poor in digital banking. 3) OctaSavers can't be opened online for certain customers 4) Get in touch with all customers & businesses to register DuitNow by opt-in basis 5) OCBC is implementing a "kill switch" for account/card in case of fraud or theft, when will CIMB follow suit?