@Brandon ***********
I can only talk about Bangkok. I'd started the 65k transfers midway through year one on OA, so by the time I'd done the "free" second year, and went for the extension I already had about 18 months of 65k transfers so I easily got the extension. I left the country without a re-entry permit and re-entered two months later on an exempt entry (I still maintained the 65k transfers the whole time). When I re-entered I got the initial 90-day non-O and the subsequent 12-month extension still using the 65k as evidence of finance. There was no issue. I can't see why when an applicant has several years of 65k transfers there would be any need to suddenly have to put 800k lump sum in the account. It contradicts the whole policy of "either-or". I'd say the immigration officer wasn't fully conversant with the policy