LG Banter Word Prediction?

I just bought a banter and I'm a little confused on what exactly is word prediction. No matter if I turn word prediction on or off when I txt it still shows the drop down word list. Also it seems to not let me write certain words and names. I know on my old LG ux380 after I would type in certain words so often it would come up in the t9word thingies memory, does this phone the banter eventually remember words that it normally wouldn't type out too?

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Yes, it does learn words that you commonly use. Although it seems inconsistent at best.