Shrewdly taking advantage of your customer

FNB once again have fond a shrewd way to take advantage of their customer. There Flexi Fixed Deposit I invested for 12 months. The clause in the investment is that if FNB don't receive a response from the customer they will re-invest the investment for a period.

1. There is no detail on how to contact FNB to tell them you want to withdraw your money. This is intentionally vague in order prevent the customer from being able to withdraw their investment.

2. During the course of my investment FNB have quietly increased the period therefore making it much more difficult for the customer to obtain their funds without having to incur a penalty.

FNB - How is this helping your customer ? Seems as though this is taking advantage of your customer in order to maximize your profit.