Bad services, poor communication especially my first call to the operator. I ask if i can ask about money refund? Her reply " i not handling this matter and you have to contact other department" Then "i ask her.... please transfer my to concerned department?" Her reply "no the line cannot be transferred" Then noone can be nice after such reply... thus i bounce back wth nasty voice "why the hell you are sitting here and awnsering the phone call" After i shout then she accept to take the note for concerned department to get back to melater! Unfortunately i never get any phone call! However, k. Mevika (647) an operator was helpful and k. Vekin from account department were execellence!