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1 OCBC Express Deal Promotion ( Promotion ) Terms and Conditions OCBCExpressDeal/T&C/1October2014/Eng/v1 1. The Promotion 1.1. OCBC Bank (Malaysia) Berhad ( OCBC ) present the OCBC Express Deal Promotion ( the Promotion ), which offers Eligible Customers (defined below) the following products subject to the terms and conditions herein: Table of products in the Promotion Products offered at OCBC Bank (Malaysia) Berhad ( W) ( OCBC ) branches (a) Express Deal: promotional tiered interest rates for the first 3-month & next 3-month Fixed Deposits ( FD ) 1.2. The Promotion shall be valid from 1 October to 30 November 2014 (both dates inclusive, Promotion Period ), or such other date(s) as may be determined at the sole and absolute discretion of, and notified to the Eligible Customers by, OCBC respectively for the relevant product(s) offered in this Promotion The Promotion is available at all OCBC branches in Malaysia. 2. Eligibility 2.1. The Promotion is open only to individual Malaysia residents, Permanent Residents and non-residents*. *Subject to country of origin, if a non-resident s country of origin is not acceptable to OCBC or OABB (as the case may be), such non-resident shall not be eligible to participate in this Promotion Customers shall be and shall remain in good standing according to OCBC s and OABB s absolute discretion, to be eligible for participation or continued participation in this Promotion. Customers whose accounts with OCBC and/or OABB have been suspended or terminated or who have breached any other agreements with OCBC and/or OABB any time within the Promotion Period are not eligible to participate, or to continue to participate, in this Promotion Customers who are eligible to participate in this Promotion shall be referred to as Eligible Customers. 3. Promotion Mechanics and Conditions 3.1. Eligible Customers are eligible to enjoy the following promotional interest rates for the following FD tenure as shown in Table (1): Table (1): Promotional Malaysia Ringgit FD Tenure Promotional Interest Rate Board Rate* First 3 month Subsequent 3 month 3.60% p.a. 4.10% p.a. 3.05% p.a. * For illustration only. The 6 months fixed deposit board and declared rate as at 29 September 2014 is used to show the difference between the board rate and the promotional rate for illustration only. To find out the latest board rate, please visit The effective annual yield for the above promotion is 3.85% p.a The minimum FD placement amount for this Promotion is RM10, 000 and maximum placement amount is RM5,000,000 per account Fresh funds are required for this promotion as explained in clause 4.2 below The full tenure of the Promotional Fixed Deposit Tenure of 180 days must be completed Interest earned in the first term of 90 days will be automatically added onto the principal and rolled over to the second term of 90 days Arising from clause 3.5, maturity instruction for the first term under this Promotion must be Renew Principal & Interest for 90 days tenure at 4.10% p.a. and all other instruction will not be allowed or executed For continued participation in this promotion, Eligible Customer must: (a) maintain the amount in the FD until the maturity date of the second term at the promotional rate as per Table (1). If the whole or part of the FD placement is withdrawn within the first 90 days, then no interest shall be payable for the FD. After which, 50% of the contracted promotional rate is payable for each completed month for the FD. 3.8 Interest for this Promotion is payable at the end of the second term. 3.9 Upon maturity of the promotional FD tenures, the promotional interest rates will cease to apply and the FD will be automatically renewed to 6 month FD tenure at the prevailing board rates when no other instruction is received from the Eligible Customer Sample calculation of FD placement and FD penalty is illustrated in Table (1a) below: Table (1a): Sample Calculation of FD Placement and FD Penalty e.g. A Term 1st term 2nd term Placement Date Placement Amount Promotional Interest Rate Premature Withdrawal 1 Oct Dec 2014 RM20, % p.a. 15 Dec 2014 Interest Payable No interest will be paid Penalty Calculation No interest** 31 Dec Mar 2015 N/A 4.10% p.a. N/A N/A NA B 1st term 2nd term 1 Oct Dec 2014 RM20, % p.a. NA 31 Dec Mar 2015 RM20, % p.a. 27 Feb 2015 RM20,000 x 3.60% x 90/365 = RM RM20, x 4.10% x 31/365 = RM70.26 Total interest Payable = RM RM70.26 = RM Penalty Calculation = RM x 50% = RM Page 1 of 2

2 OCBCExpressDeal/T&C/1October2014/Eng/v1 ** No interest will be paid on the FD if there is premature upliftment/ withdrawal of FD before completion of first 90 days of the FD 1 st term placement. 4. Other terms and conditions 4.1. All the existing Accounts and Services Main Terms and Conditions referred to in these Terms and Conditions shall continue to apply. In the event of any inconsistencies or discrepancies, these Terms and Conditions shall prevail only insofar as they are relevant and applicable to the Promotion Conditions on all the promotional FD placements: The funds used for the FD placement for this promotion must be fresh funds, which is defined as funds from a third party bank (which means any licensed bank in Malaysia, other than OCBC and OABB), which are deposited or transferred into an Eligible Customer s account with OCBC or OABB not more than 3 days from the date of participation in this Promotion If any amount is prematurely withdrawn from the FD Account (as the case may be) before the completion of the promotional FD tenure, the penalties by the Customer are as follows: Before completion of first 3 months of the FD placement : Thereafter: No interest will be paid. 50% of the contracted promotional rate is payable for each completed month for FD Interest payment will only be made at maturity of the promotional FD tenure Upon maturity of the promotional FD tenure, the promotional interest rates will cease to apply and the FD will be automatically renewed with a similar tenure at the prevailing board rates when no other instruction is received from the Eligible Customer This Promotion is not valid with any other promotion or promotions as specified by OCBC from time to time The selection of products for this Promotion is at OCBC s absolute discretion OCBC reserve the right to substitute at any time, at their sole and absolute discretion respectively, any of the products available for this Promotion with prior notice OCBC may at their sole and absolute discretion respectively, vary or add to these Terms and Conditions; or vary, suspend or terminate the Promotion with notice to the Customers. Variations or additions to these Terms and Conditions or the variation, suspension or termination of the Promotion may be made by placing a general notice in any one issue of a daily national newspaper or by posting a general notice in any OCBC branch or their websites respectively or by incorporating the notice into OCBC s statement sent to the customers periodically and the notice will take effect from the date set out in the notice and, if no date is stated, will take effect from the date the notice is sent. Agreement I/We have read and understood the Terms and Conditions governing the OCBC Express Deal Promotion. I/We agree to be bound by the above Terms and Conditions and such other terms and conditions as may be amended by OCBC from time to time. Name: I/C No.: Date: CIF No.: Name: I/C No.: Date: CIF No.: Page 2 of 2

3 Terma dan Syarat Promosi OCBC Tawaran Express ( Promosi ) OCBCExpressDeal/T&C/1October2014/BM/v1 1. Promosi 1.1. OCBC Bank (Malaysia) Berhad ( OCBC ) memperkenalkan Promosi OCBC Tawaran Express ( Promosi ) yang menawarkan kepada Pelanggan Yang Layak (ditakrifkan di bawah) produk-produk berikut, tertakluk kepada terma dan syarat yang terkandung di sini: (a) JADUAL PRODUK-PRODUK DALAM PROMOSI Produk-produk yang ditawarkan di cawangan OCBC Bank (Malaysia) Berhad ( W) ( OCBC ) Tawaran Express: Kadar faedah promosi berperingkat bagi Simpanan Tetap ( ST ) untuk 3-bulan pertama dan 3-bulan seterusnya 1.2. Promosi ini sah mulai 1 October sehingga 30 November 2014 (termasuk kedua-dua tarikh, Tempoh Promosi ) atau tarikh(-tarikh) lain yang mungkin ditentukan atas budi bicara mutlak dan diberitahu kepada Pelanggan Yang Layak oleh OCBC dan OABB untuk produk(-produk) berkenaan yang ditawarkan di dalam Promosi ini Promosi ini boleh didapati di semua cawangan OCBC di Malaysia. 2. Kelayakan 2.1. Promosi ini hanya dibuka kepada individu pemastautin Malaysia, Pemastautin Tetap dan bukan pemastautin*. *Tertakluk kepada negara asal, sekiranya negara asal individu bukan pemastautin tidak diterima oleh OCBC atau OABB (mengikut mana yang berkenaan), individu bukan pemastautin tersebut tidak layak untuk menyertai Promosi ini Pelanggan hendaklah kekal berada dalam kedudukan yang baik mengikut budi bicara mutlak OCBC dan OABB untuk layak menyertai atau meneruskan penyertaan di dalam Promosi ini. Pelanggan dengan akaun OCBC dan/atau OABB yang telah digantung atau ditamatkan atau yang telah melanggar mana-mana perjanjian lain dengan OCBC dan/atau OABB pada bila-bila masa di dalam Tempoh Promosi adalah tidak layak untuk menyertai, atau meneruskan penyertaan di dalam Promosi ini Pelanggan yang layak untuk menyertai Promosi ini akan dirujuk sebagai Pelanggan Yang Layak. 3. Selok-Belok dan Syarat-Syarat Promosi 3.1. Pelanggan yang Layak boleh menikmati kadar feadah promosi dengan membuat peletakan ST untuk tempoh seperti yang ditunjukkan dalam jadual (1) di bawah: Jadual (1): Kadar Faedah ST Promosi Tawaran Pelaburan Tempoh Kadar Faedah Promosi Kadar Lazim* 3-bulan pertama 3-bulan seterusnya 3.60% 4.10% 3.05% Untuk ilustrasi sahaja. Kadar lazim bagi 6 bulan ST seperti pada 29 September 2014 diguna untuk tujuan ilustrasi bagi menunjukkan perbezaan di antara kadar lazim dan kadar promosi. Bagi mengetahui kadar lazim terkini, layari Hasil tahunan efektif untuk promosi ini ialah 3.85% Jumlah peletakan minimum ST untuk Promosi ini ialah RM10,000 dan jumlah peletakan maksimum is RM5 juta bagi setiap akaun Dana baru adalah diperlukan untuk promosi ini seperti yang dijelaskan dalam fasal 4.2 di bawah Tempoh penuh Promosi ST 180 hari hendaklah dilengkapkan Faedah yang diperolehi dalam penggal pertama iaitu 90 hari akan ditambah secara automatik ke jumlah pokok dan diletakkan untuk penggal kedua iaitu 90 hari Berdasarkan fasal 3.5, arahan tempoh matang penggal pertama di bawah promosi ini mestilah wang pokok tambah faedah untuk 90 hari seterusnya pada kadar 4.10% dan semua arahan lain tidak akan dibenarkan atau tidak akan dilaksanakan Untuk penyertaan berterusan dalam promosi ini, Pelanggan Yang Layak hendaklah: (a) Mengekalkan jumlah dalam ST sehingga tempoh matang penggal kedua pada kadar promosi seperti yang ditunjukkan dalam jadual (1). Sekiranya sebarang jumlah dikeluarkan sebelum tamat tempoh peletakkan dalam 90 hari pertama, maka tiada faedah akan dibayar untuk ST. Berikutan itu, 50% daripada kadar promosi yang dikontrakkan akan dibayar bagi setiap bulan yang dilengkapkan bagi ST Faedah bagi Promosi ini akan dibayar pada akhir penggal kedua Apabila tempoh promosi ST telah matang, kadar faedah promosi akan tamat dan ST akan diperbaharui secara automatik untuk tempoh 6-bulan pada kadar lazim semasa sekiranya tiada arahan lain diterima daripada Pelanggan Yang Layak Contoh kiraan bagi peletakan dan penalti ST digambarkan di dalam jadual (1a) di bawah: Jadual (1a): Contoh kiraan bagi peletakan dan penalti ST cth. A Pertama Kedua Tarikh Peletakan 1 Okt Dis Dis Mar 2015 Jumlah Pokok RM20,000 N/A Kadar Faedah Promosi 3.60% 4.10% Tarikh Pengeluaran Pramatang 15 Dis 2014 Faedah yang kena Dibayar Tiada faedah akan dibayar Kiraan Penalti Tiada faedah** NA NA NA Page 1 of 2

4 OCBCExpressDeal/T&C/1October2014/BM/v1 B Pertama Kedua 1 Okt Dis 2014 RM20, Dis Mar 2015 RM20, % 4.10% NA 27 Feb 2015 RM20,000 x 3.60% x 90/365 = RM RM20, x 4.10% x 31/365 = RM70.26 Jumlah Faedah yang kena Dibayar = RM RM70.26 = RM Kiraan Penalti = RM x 50% = RM ** Tiada faedah akan dibayar sekiranya ada pengeluaran pramatang ST sebelum tamat tempoh peletakan 90 hari pertama dalam penggal pertama ST. 4. Terma dan Syarat Lain 4.1. Semua Akaun dan Perkhidmatan Terma dan Syarat Utama sedia ada yang dirujuk di dalam Terma dan Syarat yang terkandung di sini akan terus diguna pakai. Sekiranya timbul apa-apa percanggahan atau ketidakseragaman, maka Terma dan Syarat yang terkandung disini akan diguna pakai hanya setakat yang berkaitan dengan Promosi ini Syarat-syarat peletakan untuk semua promosi ST: Dana digunakan untuk peletakan ST untuk promosi ini mestilah dana baru yang bermaksud dana-dana dari bank pihak ketiga (iaitu daripada bank berlesen lain di Malaysia selain daripada OCBC dan OABB) yang didepositkan atau dipindah ke dalam akaun Pelanggan Yang Layak untuk tempoh masa tidak lebih 3 hari dari tarikh penyertaan Promosi ini Sekiranya sebarang jumlah dikeluarkan dari Akaun ST (sekiranya berkenaan) sebelum tempoh promosi ST selesai, penalti oleh Pelanggan akan dikenakan seperti berikut: Sebelum tamat peletakan 3 bulan pertama ST: Tiada faedah akan dibayar. Berikutnya: 50% daripada kadar promosi yang dikontrakkan akan dibayar bagi setiap bulan yang dilengkapkan bagi ST Pembayaran faedah hanya akan dibuat pada tempoh matang promosi ST Apabila tempoh promosi ST telah matang, kadar faedah promosi akan tamat dan ST akan diperbaharui secara automatik untuk tempoh yang sama pada kadar lazim semasa sekiranya tiada arahan lain diterima daripada Pelanggan Yang Layak Promosi ini tidak sah dengan mana-mana promosi lain atau promosi-promosi yang dinyatakan oleh OCBC dari semasa ke semasa Pemilihan produk-produk untuk Promosi ini adalah atas budi bicara mutlak OCBC OCBC berhak pada bila-bila masa, atas budi bicara mutlaknya, untuk menggantikan mana-mana produk yang tersedia untuk Promosi ini dengan memberi notis terlebih dahulu OCBC boleh, atas budi bicara mutlaknya, untuk mengubah atau menambah kepada Terma dan Syarat ini; atau mengubah, menggantung atau menamatkan Promosi ini dengan memberi notis kepada Pelanggan. Pengubahan atau penambahan kepada Terma dan Syarat atau pengubahan, penggantungan atau penamatan Promosi boleh dilakukan dengan meletakkan notis umum dalam manamana keluaran surat khabar nasional harian atau dengan meletakkan notis umum di mana-mana cawangan OCBC atau di laman web masing-masing atau dengan memasukkan notis ke dalam penyata OCBC yang dihantar kepada pelanggan secara berkala dan notis tersebut akan berkuatkuasa mulai tarikh yang terdapat dalam notis tersebut dan, jika tiada tarikh diberikan, akan berkuatkuasa mulai tarikh notis tersebut dihantar. Persetujuan Saya/Kami telah membaca dan memahami Terma-terma dan Syarat-syarat yang mengikat Promosi OCBC Tawaran Express. Saya/Kami bersetuju untuk terikat dengan Terma dan Syarat di atas yang mungkin dipinda oleh OCBC dari semasa ke semasa. Nama: No K/P: Tarikh: No. CIF: Nama: No. K/P: Tarikh: No. CIF: Page 2 of 2

5 OCBCExpressDeal/T&C/1October2014/Chi/v1 华侨银行 Express 促销 ( 此促销 ) 条款与条规 1. 促销 1.1. 华侨银行 ( 马来西亚 ) 有限公司 ( 华侨银行 ) 为合格客户 ( 如下文定义 ) 呈献华侨银行 Express 促销 ( 此促销 ) 以提供下列产品优惠, 唯须符合条款和条规 : 促销产品图表 华侨银行 ( W) 分行提供的产品 Express 促销 : 首 3 个月和紧接的 3 个月定期存款 ( 定存 ) 分层促销利率 1.2. 此促销有效期为 2014 年 10 月 1 日至 2014 年 11 月 30 日 ( 促销期, 包括首尾两, 或在通知合格客户情况下, 华侨银行对该促销日期拥有唯一决定及绝对斟情权 1.3. 本促销适用于在马来西亚境内的所有华侨银行分行 2. 资格 2.1. 本促销只公开予个别的马来西亚公民 永久居民 非居民 * * 胥视其原有国籍而定, 若非居民的出生地不被华侨银行或 OCBC Al-Amin 所接受 ( 视情况而定 ), 该非居民将无资格参加此促销 2.2. 客户须在根据华侨银行和 OCBC Al-Amin 的绝对斟情权下应保持良好的信誉, 方有资格参与或继续参与此促销 那些曾经在华侨银行和 / 或 OCBC Al-Amin 拥有账户, 但经被本行中止或取消, 又或曾经违反任何华侨银行和 / 或 OCBC Al-Amin 合约条款的客户, 在促销期间内没有资格参加或继续参与此促销 2.3. 有资格参加本次促销的客户应该被称为 合格客户 3. 本促销运作方式及条款 3.1. 合格客户可享有如图表 ( 一 ) 所示的定存任期所列出的促销利率 图表 ( 六 ) : 马币定存促销 定存任期利率当前利率 * 首 3 个月 (90 紧接的 3 个月 ( % 年利率 4.10% 年利率 3.05% 年利率 * 仅供简要说明 截至于 2014 年 9 月 29 日的 6 个月定存当前利率被用于说明当前利率和促销利率之间的差额 欲查询最新当前利率, 请浏览 此促销之实际年收益为 3.85% 年利率 3.2. 在本促销下的最低定存置放金额为 10,000 令吉, 同时每个定存账户的最高置放金额为 5 百万令吉 3.3. 如条款 4.2 所示, 此促销需要新资金 3.4. 此促销的完整任期即 180 天必须完成 3.5. 在首期 90 天所赚取的利息将自动加入为本金同时自动更新至次期的 90 天任期 3.6. 从 3.5 章节衍生, 在此促销下的首期期满指示必须是 按 4.10% 年利率更新本金和利息至 90 天任期, 因此所有其它指令将不被允许 或执行 3.7. 欲继续参加此促销, 合格客户需要 : a) 以图表 ( 一 ) 所示的促销利率维持定存金额至次期期满日 倘若定存置放的全部或部分金额在首期的 90 天期满日前被提取, 该定存将 不被支付利息 ; 在那之后, 该定存将被按照首期和次期每个完成的月份来支付 50% 的合约利息 ( 根据期限 ) 3.8. 此促销利息在次期期满后才发出 3.9. 促销任期完成后, 促销年利率将不再适用 定存将在没有受到客户的其他指示下自动按照当前利率更新至 6 个月的定存任期 定存置放和定存罚金的计算例子如以下图表 ( 一 a) 所示 举例 1 举例 2 期限置放日期定存置放金额 首期 (90 次期 (90 首期 (90 次期 ( 年 10 月 1 日至 2014 年 12 月 30 日 2014 年 12 月 31 日至 2015 年 3 月 31 日 2014 年 10 月 1 日至 2014 年 12 月 30 日 2014 年 12 月 31 日至 2015 年 3 月 31 日 RM20,000 图表 ( 一 a) : 定存置放和定存罚金说明 促销利率 过早提取 (% 年利率 ) 日期 3.60% 年利率 2014 年 12 月 15 日 利息支付 无利息支付无利息 ** 无 4.10% 年利率无无无 RM20, % 年利率期满 RM20, % 年利率 ** 倘若定存在完成首期的 90 天之内被提前提取, 该定存将不被支付利息 2015 年 2 月 27 日 RM20,000 x 3.60% x 90/365 = RM RM20, x 4.10% x 31/365 = RM70.26 罚款计算 利息支付总数 = RM RM70.26 = RM 罚款计算 = RM x 50% = RM Page 1 of 2

6 OCBCExpressDeal/T&C/1October2014/Chi/v1 4. 其它条款与条规 4.1. 所有现有账户和服务的主要条款与条规必须继续遵守和适用 一旦出现任何一致或矛盾的情况, 只有以这些条款与条规为准, 因它们是相关且适用于此促销 4.2. 所有促销定存置放的条款 : 用以置放此促销定存的资金必须是全新资金 ( 新资金 ), 其定义为资金从参与此促销日起不超过 3 天内由一个第三方银行 ( 即指华侨银行和 OCBC Al-Amin 除外的任何一间在马来西亚挂牌银行 ) 存入或转移至合格客户在华侨银行或 OCBC Al-Amin 的账户内 若本促销的定存账户 ( 视情况而定 ) 在定存的任期限结束前提取, 将被征收的罚金如下 : 在定存置放首 3 个月结束前提取 将不获支付利息 这之后 : 50% 合约促销利率将支付于每月完成的定存 盈利率将只在定存促销任期期满后支付 促销任期期满后定存的促销盈利率将不再适用, 定存于期满后将在没有收到合格客户的其它指令下按当前利率自动更新 4.3. 促销不可与任何其它促销或任何华侨银行或 OCBC Al-Amin 随时指定的促销同时生效 4.4. 在本促销下特选的产品, 华侨银行皆有绝对的酌情权 4.5. 华侨银行拥有绝对斟情权在预先行通知下任何时候决定以适当的华侨银行产品来取代此促销 4.6. 华侨银行有权在预先通知的情况下随时更改或修改任何条款与规则, 或修改 暂停或终止本促销活动, 并会把更改过的条款与条规, 或 / 及本促销活动的修改 暂停或终止的讯息于任何一份国内报章刊登, 或于任何一家华侨银行分行或网站上张贴公告, 或与华侨银行的月 结单一起寄给客户 有关通知的生效日期将会在通知文件内说明 ; 若无特别说明, 则以通告发出日期为生效日期 合同 我 / 我们已阅读并了解华侨银行 Express 促销的条款和规则 我 / 我们同意上述条款和规则以及华侨银行拥有可能不时修订其他条款及规则的约束 姓名 : 姓名 : 身份证号码 : 身份证号码 : 日期 : 日期 : CIF 号码 : CIF 号码 : Page 2 of 2

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