OCBCInflationBuster2Q14/FullT&C/11March2014/Eng/ver1
OCBC Inflation Buster Promotion (“Promotion”) Terms and Conditions 1. The Promotion 1.1. OCBC Bank (Malaysia) Berhad (“OCBC”) and OCBC Al-Amin Bank Berhad (“OABB”) present the OCBC Inflation Buster 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 by Products offered by OCBC Bank (Malaysia) Berhad (295400-W) (“OCBC”) OCBC Al-Amin Bank Berhad (818444-T) (“OABB”) (a)
Combat Inflation Deal: promotional tiered interest rates for the first 6-month & next 12-month Fixed Deposits (“FD”).
Not Applicable
(b)
CMGIA-i Deal: promotional 12-month Commodity Murabahah General Investment Account-i (“CMGIA-i”) profit rate.
CMGIA-i Deal: promotional 12-month CMGIA-i profit rate.
(c)
Deposit Deal: promotional 3-month and 12-month FD interest rates.
Deposit Deal: promotional 3-month and 12-month CMGIA-i profit rates
(d)
Savings Deal: promotional 3-month FD interest rate when Eligible Customers deposit a specified minimum amount into selected OCBC Current Accounts or Savings Accounts (“CASA”).
Not applicable
(e)
Investment Deal: promotional 3-month FD interest rate when Eligible Customers purchase any one or more of the selected OCBC Investment products.
Investment Deal: promotional 3-month CMGIA-i profit rate when Eligible Customers purchase any one or more of the selected OABB Investment products.
(f)
Premier Bank Deal: promotional 3-month FD interest rate when Eligible Customers upgrade or sign up as new Premier Banking Customer.
Not applicable
NOTES: All references in these Terms and Conditions to any of the product names stated in this Table shall be construed and understood as products offered and/or distributed by either OCBC or OABB respectively as set out in this Table. The Promotion shall be valid from 1 April 2014 until 31 July 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 and OABB respectively for the relevant product(s) offered in this Promotion. 1.3. The Promotion is available at all OCBC branches and all OABB branches (except for OABB Xpres branches) in Malaysia. Please note that OABB Products are also available at OCBC branches, whereas FDs and conventional banking products and/or services are only available at OCBC branches.
1.2.
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. 2.2. 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. 2.3. Customers who are eligible to participate in this Promotion shall be referred to as “Eligible Customers”. 3. Promotion Mechanics and Conditions 3.1. CMGIA-i/ Deposit Deals (both FD and CMGIA-i are insured By PIDM
Promotions
CMGIA-i Deal
FD
CMGIA-i
Tenures
Table (1) Promotional Interest/ Profit Rate
Board Rates*
12-month
3.65% p.a. 3.05% p.a.
3-month
3.20% p.a. 2.85% p.a.
12-month
3.40% p.a. 3.05% p.a.
N/A
Deposit Deal
Min. Amount (RM)
RM 10,000 per account
Max. Amount (RM)
RM5 million per account
Special Condition Fresh funds required as explained in clause 4.2 below Fresh funds not required
* For illustration only. The board and declared rates as at 25 February 2014 are used to show the difference between the board rate and the promotional rate for illustration only. To find out the latest board rates, please visit www.ocbc.com.my. 3.2.
Combat Inflation Deal (OCBC FD accounts are insured By PIDM)
3.2.1. Eligible Customers are eligible to enjoy the following promotional interest rates for the following FD tenure as shown in Table (2):
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OCBCInflationBuster2Q14/FullT&C/11March2014/Eng/ver1
Table (2): Promotional Malaysia Ringgit FD Tenure
Promotional Interest Rate
Board Rate*
First 6 month (180 Days)
3.60% p.a.
2.90% p.a.
Subsequent 12 month (365 Days)
4.00% p.a.
3.05% p.a.
* For illustration only. The board and declared rates as at 25 February 2014 are used to show the difference between the board rates and the promotional rates for illustration only. To find out the latest board rates, please visit www.ocbc.com.my. The effective annual yield for the above promotion is 3.87% p.a. 3.2.2. The minimum FD placement amount for this Promotion is RM10,000 and maximum placement amount is RM5,000,000 per account. 3.2.3. The full tenure of the Promotional Fixed Deposit tenure of 545 days must be completed. 3.2.4. Interest earned in the first term of 180 days will be automatically added onto the principal and rolled over to the second term of 365 days. 3.2.5. Arising from clause 3.2.4, maturity instruction for the First Term under this Promotion must be “Renew Principal & Interest for 365 days tenure at 4.00% p.a.” and all other instruction will not be allowed or executed. 3.2.6. 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 (2). 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. 3.2.7. Interest for this Promotion is payable at the end of the second term. 3.2.8. Sample calculation of FD placement and FD penalty is illustrated in Table (2a) below: Table (2a): Sample Calculation of FD Placement and FD Penalty e.g.
A
B
Term
Placement Date
Placement Amount
Promotional Interest Rate
Premature Withdrawal Date
Interest Payable
Penalty Calculation
1st term (180 days) 2nd term (365 days) 1st term (180 Days)
1 April 2014 – 28 Sept 2014
RM20,000
3.60% p.a.
14 May 2014
No interest will be paid
No interest**
28 Sept 2014 – 28 Sept 2015
N/A
4.00% p.a.
NA
NA
NA
1 April 2014 – 28 Sept 2014
RM20,000
3.60% p.a.
NA
RM20,000 x 3.60% x 180/365 = RM355.07
2nd term (365 Days)
28 Sept 2014 – 28 Sept 2015
RM20,355.07
4.00% p.a.
26 Nov 2014
RM20,355.07 x 4.00% x 30/365 = RM66.92
Total interest Payable = RM355.07 + RM66.92 = RM421.99 Penalty Calculation = RM421.99 x 50% = RM211.00
** 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 1st term placement. 3.2.9. Upon maturity of the promotional FD tenures, the promotional interest rates will cease to apply and the FD will be automatically renewed to 12 month FD tenure at the prevailing board rates when no other instruction is received from the Eligible Customer. 3.3.
Investment Deals (FD and CMGIA-i are insured By PIDM) Promotional FD interest rate and CMGIA-i profit rate are applicable when Eligible Customers purchase any one or more of the selected OCBC/OABB Investment products.
3.3.1. Subject always to the provisos in clauses 3.3.2, 3.3.3 and 3.3.4 below : (a)
Eligible Customers shall be eligible for the promotional 3-month FD interest rate as stated in Table (3) below, if they successfully purchase or participate in any of the selected products/packages set out in Table (3a) below; and
(b)
Eligible Customers shall be eligible for the promotional 3-month CMGIA-i profit rate as stated in Table (3) below, if they successfully purchase or participate in any of the selected products/packages set out in Table (3b) below. Table (3): Promotional 3-month Malaysia Ringgit FD/ CMGIA-i Promotional FD/CMGIA-i Tenure
Promotional Interest/Profit Rate
Board Rate*
3-month FD/ CMGIA-i
5.00% p.a.
2.85% p.a.
* For illustration only. The board and declared rates as at 25 February 2014 is used to show the difference between the board rates and the promotional rates for illustration only. To find out the latest board rates, please visit www.ocbc.com.my.
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Table (3a): Eligible Products and Packages offered/ distributed by OCBC for Investment Deal on Promotional 3-month FD Listed Products or packages purchased 1
OCBC Stabiliser^
2
OCBC ARIP-i^ OCBC ARIP-i is a product of OCBC Al-Amin Bank Berhad distributed by OCBC Bank.
3
OCBC Starter Invest^
4
Unit Trust (“UT”) Products Eligible unit trust funds(“Funds”): AMPRECIOUS METAL AMCOMMODITIES EQUITY AMASEAN EQUITY FUND AMGLOBAL AGRIBUSINESS FUND AM TACTICAL BOND FUND AMSCHRODER EUROPEAN EQUITY ALPHA AMASIA PACIFIC REITS AMASIA PACIFIC EQUITY INCOME AMGLOBAL PROPERTY EQUITIES FUND CIMB PRINCIPAL STRATEGIC BOND FUND CIMB ISLAMIC ENHANCED SUKUK FUND (FORMER DANA WAFIQ) CIMB ISLAMIC EQUITY AGGRESSIVE FUND (FORMER DANA MUBARAK) CIMB MENA EQUITY FUND CIMB PRINCIPAL EQUITY GROWTH & INCOME FUND CIMB-PRINCIPAL EQUITY FUND (FORMER PREMIUM CAPITAL) CIMB-PRINCIPAL BALANCED FUND CIMB-PRINCIPAL BOND FUND CIMB-PRINCIPAL EQUITY AGGRESSIVE FUND 3 (FORMER FUTURE GOALS) CIMB-PRINCIPAL GLOBAL TITANS FUND CIMB-PRINCIPAL INCOME PLUS BALANCED FUND CIMB-PRINCIPAL KLCI-LINKED FUND 2 (FORMER COMPOSITE INDEX) CIMB PRINCIPAL GREATER CHINA EQUITY FUND CIMB-PRINCIPLE SMALL CAP FUND (FORMER HIDDEN TREASURES) GLOBAL FORTUNE FUND HONG LEONG BALANCED FUND HONG LEONG BLUE CHIP FUND HONG LEONG BOND-ORDINARY PLAN HONG LEONG DANA MAA'ROF HONG LEONG DANA MAKMUR FUND HONG LEONG DIVIDEND FUND HONG LEONG GLOBAL BOND FUND HONG LEONG GROWTH FUND HONG LEONG PENNY STOCK FUND HONG LEONG STRATEGIC FUND HWANG AIIMAN GROWTH FUND HWANG AIIMAN INCOME PLUS FUND HWANG GLOBAL EMERGING MARKETS HWANG GLOBAL PROPERTY FUND HWANG SELECT INCOME FUND HWANG SGD INCOME FUND HWANG SELECT OPPORTUNITY FUND HWANG SELECT ASIA (EX JAPAN) OPPORTUNITY FUND HWANG SELECT ASIA (EX JAPAN) QUANTUM FUND HWANG SELECT JAPAN QUANTUM FUND RHB-OSK ASIA PACIFIC FUND RHB-OSK DANA ISLAM
RHB-OSK EMERGING OPPORTUNITY UNIT TRUST RHB-OSK EQUITY TRUST RHB-OSK GLOBAL CAPITAL FUND RHB-OSK GLOBAL EQUITY YIELD FUND RHB-OSK GROWTH AND INCOME FOCUS TRUST RHB-OSK KIDSAVE TRUST RHB-OSK KLCI TRACKER FUND RHB-OSK SMALLCAP OPPORTUNITY UNIT TRUST RHB-OSK SMART BALANCED FUND RHB-OSK SMART INCOME FUND RHB-OSK SMART TREASURE FUND RHB-OSK GLOBAL ALLOCATION FUND RHB-OSK MULTI ASSET REGULAR INCOME FUND RHB-OSK ASIAN INCOME FUND RHB-OSK US FOCUS EQUITY FUND PACIFIC ASIA BRANDS FUND PACIFIC ASIAPAC INCOME FUND PACIFIC DANA AMAN PACIFIC DANA DIVIDEN PACIFIC DANA MURNI PACIFIC DIVIDEND FUND PACIFIC ELIT DANA AMAN PACIFIC ELIT DANA DIVIDEN PACIFIC ELIT ISLAMIC ASIAPAC BALANCED FUND PACIFIC ELITE ASIA DIVIDEND FUND PACIFIC ELITE CHINA GROWTH FUND PACIFIC ELITE DIVIDEND FUND PACIFIC ELITE EMERGING MARKETS FUND PACIFIC ELITE GLOBAL DIVIDEND FUND PACIFIC ELITE GLOBAL STRATEGIC FUND PACIFIC FOCUS 18 FUND PACIFIC FOCUS CHINA FUND PACIFIC INCOME FUND PACIFIC MILLENNIUM FUND PACIFIC PEARL FUND PACIFIC PREMIER FUND PACIFIC RECOVERY FUND PACIFIC S&P GLOBAL STARS FUND PACIFIC SELECT BALANCE FUND PACIFIC SELECT INCOME FUND RHB GOLDENLIFE TODAY TA ASIAN DIVIDEND INCOME FUND TA EUROPEAN EQUITY FUND TA GLOBAL ASSET ALLOCATOR FUND TA SOUTH EAST ASIA EQUITY FUND TA TOTAL RETURN FUND
IMPORTANT NOTES: (a) OCBC reserves the right to amend the list of eligible Funds from time to time without assigning any reasons thereof. OCBC will give notice of any amendments to the list of eligible Funds to the customer in any of the modes of communication specified in OCBC’s Terms and Conditions for Investment Services. (b) The Eligible Customers understand and acknowledge that a minimum Sales Charge of 2.00% is applicable to the Funds under the Promotion with the exception of the following Funds (“Pacific ELITE Funds”): Pacific ELITE Dividend Fund Pacific ELITE Asia Dividend Fund Pacific ELITE China Growth Fund Pacific ELITE Global Strategic Fund Pacific ELITE Emerging Markets Fund Pacific ELITE Dana Aman Pacific ELITE Dana Dividen Pacific ELITE Islamic AsiaPac Balanced Fund Pacific ELITE Global Dividend Fund The Pacific ELITE Funds listed above are exempted from the Sales Charge and have a 2.00% p.a. Annual Management Fee which is higher compared to other unit trust funds. Customers are to refer to the prospectus for each specific Fund for information on the full sales charge. Investors are advised to read and understand the contents of the prospectus, and if necessary, consult their adviser(s), as well as consider the fees and charges involved before investing; i.e. annual management fee imposed at a higher rate than the industry average for Pacific ELITE Funds as compared to similar funds.
5
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Structured Investments (“SI”) Eligible SI products Retail Bonds Auto-callable Structured Investment
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Floating Rate Negotiable Instruments of Deposit
^ The OCBC Stabiliser savings account, OCBC ARIP-i savings account and OCBC Starter savings account are insured by PIDM. Table (3b): Eligible Products and Packages offered/ distributed by OABB for Investment Deal on Promotional 3-month CMGIA-i Listed Products or packages purchased OCBC ARIP-i^ Unit Trust-i (“UT-i”) Products Eligible UT-i funds (“i-Funds”): AMASEAN EQUITY FUND AMPRECIOUS METALS FUND AMCOMMODITIES EQUITY FUND HONG LEONG DANA MAKMUR FUND HONG LEONG DANA MAA'ROF FUND HWANG AIIMAN INCOME PLUS FUND (formerly AIIMAN Balanced) HWANG AIIMAN GROWTH FUND (formerly Dana Idzihar) HWANG AIIMAN SELECT INCOME FUND
PACIFIC ELIT DANA AMAN FUND PACIFIC ELIT DANA DIVIDEN FUND PACIFIC ELIT ISLAMIC ASIAPAC BALANCED FUND PACIFIC DANA AMAN FUND PACIFIC DANA DIVIDEN FUND PACIFIC DANA MURNI FUND OSK-UOB DANA KIDSAVE
IMPORTANT NOTES: (a) OABB reserves the right to amend the list of eligible i-Funds from time to time without assigning any reasons thereof. OABB will give notice of any amendments to the list of eligible i-Funds to the customer in any of the modes of communication specified in OABB’s Terms and Conditions for Investment Services. (b) The Eligible Customers understand and acknowledge that a minimum Sales Charge of 2.00% is applicable to the UT-i products under the Promotion with the exception of the following i-Funds (“Pacific ELIT Funds”): – Pacific ELIT Dana Aman Pacific ELIT Dana Dividen Pacific ELIT Islamic AsiaPac Balanced Fund The Pacific ELIT Funds listed above are exempted from the Sales Charge and have a 2.00% p.a. Annual Management Fee which is higher compared to other unit trust funds. Customers are to refer to the prospectus for each specific i-Fund for information on the full sales charge. Investors are advised to read and understand the contents of the prospectus, and if necessary, consult their adviser(s), as well as consider the fees and charges involved before investing; i.e. annual management fee imposed at a higher rate than the industry average for Pacific ELIT Funds as compared to similar funds. ^ The OCBC ARIP-i savings account is insured by PIDM. 3.3.2. The minimum FD placement amount for this Promotion is RM10,000 and maximum placement amount is subject to the investment amount and/or sales charge if applicable and the products as listed in table 3(c). 3.3.3. The Eligible Customers shall be eligible for the promotional 3-month FD interest rate set out in Table (3) pursuant to Clause 3.3.1 above provided always that : (a) The Eligible Customers’ purchase or participate in any of the products stated in Column A of Table (3c) comes within the range of the investment amount and/or sales charge if applicable as stated in Column B of Table (3c); and (b) The Eligible Customers’ placement amount in the promotional 3-month FD account shall not exceed the limit stated in Column C of Table (3c).
Column A Listed Products OCBC Stabiliser
Table (3c) Column B Minimum Investment Amount and/or Sales Charge (if applicable) Minimum investment amount RM18,000
OCBC ARIP-i OCBC Starter Invest (based on initial UT amount)
Unit Trust products (lump sum investment)
Minimum investment amount RM10,000
Should not exceed two (2) times of the investment amount
Sales Charge below 2% & Minimum investment amount RM20,000
Should not exceed 50% of the investment amount
Minimum Sales Charge 2% & Minimum investment amount RM10,000
Should not exceed two (2) times of the investment amount
Malaysian Ringgit Retail Bonds
Minimum investment amount RM20,000
Foreign Currency Retail Bonds
Minimum investment amount RM10,000
Auto-callable Structured Investment
Minimum investment amount RM20,000
Floating Rate Negotiable Instruments of Deposits
Minimum investment amount RM20,000
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Column C Maximum FD Placement Amount
Should not exceed 50% of the investment amount Should not exceed two (2) times of the investment amount Should not exceed 50% of the investment amount
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3.3.4. The Eligible Customers shall be eligible for the promotional 3-month CMGIA-i profit rate set out in Table (3) pursuant to Clause 3.3.1 above provided always that : (a) The Eligible Customers’ purchase or participate in any of the products stated in Column A of Table (3d) within the range of the investment amount and/or sales charge if applicable as stated in Column B of Table (3d); and (b) The Eligible Customers’ placement amount in the promotional 3-month CMGIA-i account shall not exceed the limit stated in Column C of Table (3d). Table (3d) Column B Column C: Column A: Minimum Sales Charge & Investment Amount Maximum CMGIA-i Placement Listed Products (if applicable) Amount Should not exceed two (2) times of OCBC ARIP-i Minimum investment amount RM10,000 the investment amount Sales Charge below 2% & Should not exceed 50% of the investment amount Minimum investment amount RM20,000 Unit Trust-i products (lump sum investment) Minimum Sales Charge 2% & Should not exceed two (2) times of the investment amount Minimum investment amount RM10,000 3.3.5.
Any purchase of or participation in any of the products using monies withdrawn from the Employees Provident Fund (EPF) are excluded from and shall not be eligible for purposes of this Promotion. Placement of the FD/ CMGIA-i under this Promotion shall be made concurrently with the OCBC/ OABB Product purchase. In the event that the investments in any one of the selected products are cancelled during the respective “cooling-off” period, the Eligible Customer will not be eligible to enjoy the promotional 3-month FD interest rate/ CMGIA-i profit rate. The prevailing board rate (as at the date of FD/CMGIA-i placement) shall apply instead, from the date of placement of the FD/ CMGIA-i.
3.3.6. 3.3.7.
(a) Unit Trust Cooling-Off right: 3.3.7.a.1. The cooling off right is only applicable once to any customer who is investing for the first time in any UT/ UT-i with OCBC/ OABB. The cooling off right is not applicable for any subsequent investment by the same customer in UT/ UT-i with OCBC/ OABB. 3.3.7.a.2. If the UT/ UT-i investment is cooled off, the Customer will receive the refund of the UT/ UT-i investment amount and the UT/ UT-i service charge that was paid. 3.3.7.a.3. The cooling-off period is a period of six (6) business days commencing from the date of receipt of the application by OCBC/ OABB. 3.4.
Savings Deal
3.4.1.
Eligible Customers will enjoy the following promotional interest rate for the following FD tenure as shown in Table (4): Table (4): Promotional Malaysia Ringgit FD FD Tenure Promotional Interest Board Rate* 4.30% p.a. 3-month 2.85% p.a. * For illustration only. The board and declared rates as at 25 February 2014 is used to show the difference between the board rates and the promotional rates for illustration only. To find out the latest board rates, please visit www.ocbc.com.my.
3.4.2.
Eligible Customers will be eligible for the promotional FD if they deposit a minimum sum of RM10,000 into the selected CASA as shown in Table (4a) below:
Table (4a): List of selected CASA List of CASA Account (All CASA accounts below are Insured By PIDM)
3.4.3. (a) (b)
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1
OCBC Easi-Save Savings Account
2
OCBC Easi-Save Plus Savings Account
3
OCBC Young Savers Account
4
OCBC MoneyMax Savings Account
5
OCBC Esteem Account
6
OCBC Current Account
7
OCBC Premier Account
8
OCBC SmartSavers Account
9
OCBC SmartSavers Junior Account
10
OCBC Premier Save Gold Account
To participate in the Savings Promotion, the Eligible Customer shall, on the same business day within the Promotion Period : make a new placement in a 3-month tenured FD account, subject to the minimum placement amount of RM10,000 and maximum placement of equivalent the amount of CASA placement or RM5 million per account whichever is lower; and deposit into any one of the selected CASA listed in Table (4a) above, subject to the minimum amount of RM10,000.
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Table (4b): Illustrations on the respective placement amounts into FD and CASA FD PLACEMENT
CASA PLACEMENT
RM10,000
RM10,000
RM200,000
RM200,000 RM1,500,000 (Note: Earmarked Amount (defined below) will be RM1,000,000 only, which is equivalent to the amount of the FD)
RM1,000,000
3.4.4.
3.4.5. 3.4.6.
3.4.7.
3.4.8.
3.4.9.
If the Eligible Customer does not have any existing OCBC FD Account and/or any of the selected CASA Accounts listed in Table (4a) above, the Eligible Customer shall open such Account(s) within the Promotion Period in order to participate in the Promotion. The respective minimum amounts for account opening shall apply for the opening of the CASA listed in Table (4a) above. Placement of the FD under this Promotion shall be made concurrently with the deposit into the selected CASA Account. The amount deposited into the CASA for purposes of participating in this Promotion, which is equivalent to the FD placement amount, will be earmarked for 3 months (“Earmarked Amount”) starting from the deposit and placement date (concurrent). If the whole or any part of the Earmarked Amount shall be withdrawn from the CASA before maturity of the 3-month FD tenure, clause 3.4.9 below shall apply. The earmarking shall automatically cease to apply upon maturity of the 3-month FD tenure, or upon withdrawal of the FD placement under clause 3.4.8(b), whichever is earlier. For Current Accounts, an Eligible Customer shall ensure that all cheques and withdrawals are sufficiently covered by nonearmarked funds. Cheque(s) drawn in excess of non-earmarked funds in the Current Account will be returned for insufficient funds. For continued participation in this promotion, Eligible Customer must: (a) maintain the Earmarked Amount in the CASA for the 3 months period. If the whole or part of the Earmarked Amount is withdrawn from the CASA anytime within the 3 months period, then clause 3.4.9 below applies. (b) maintain the amount in the FD until the maturity date. If the whole or part of the FD placement is withdrawn prior to the maturity date, then the Earmarked Amount in CASA will be released, and clause 4.2.2 below applies and no interest shall be payable for the FD. The promotional interest rate will cease to apply to the FD placement, should the Eligible Customer withdraw the whole or part of the Earmarked Amount any time within the 3 months period. In such case, the prevailing board rate will apply to the FD placement. Table (4c): Explanation on earmarking of CASA placement amount DATE
FD ACCOUNT
FD INTEREST
CASA
1 April 2014
Placement of RM20,000
4.30%p.a.
Placement of RM10,000 (Earmarked Amount)
10 May 2014
No activity
2.85%p.a.**
Withdrawal of RM100 from Earmarked Amount
22 June 2014
Upliftment/ Withdrawal
RM0***
Earmark to be released
** For illustration only. The 3-month FD board rate as at 25 February 2014 is used for illustration purposes. To find out the latest board rates, please visit www.ocbc.com.my. *** Please refer to clause 4.2.2 below; no interest will be paid on the FD if there is premature upliftment/ withdrawal of FD before completion of first 3 months of the FD placement. 3.4.10. The terms and conditions applicable to the respective CASA listed in Table (4a) above shall apply also to the sum placed into such CASA for purposes of the Savings Promotion. 3.4.11. The promotional rate for FD will cease to apply if the cheque issued for CASA placement is void and the prevailing board rate will apply to the FD placement. 3.5.
Premier Bank Deal
3.5.1.
Eligible Premier Banking Customers (defined below) are eligible to enjoy the following promotional interest rates for the following FD tenure as shown in Table (5) (OCBC FD accounts are Insured By PIDM): Table (5): Promotional Malaysia Ringgit FD FD Tenure
Promotional Interest Rate
3-month FD Board Rate*
Number of product holding to determine interest rates
3-month
5.50% p.a.
2.85% p.a.
3 Product Holding where 1 of the products must be non-deposit Wealth product.
* For illustration only. The 3-month FD board rate as at 25 February 2014 is used to show the difference between the board rate and the promotional interest rate for illustration purposes. To find out the latest board rates, please visit www.ocbc.com.my. 3.5.2.
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Eligible Premier Banking Customers will be eligible for the promotional 3-month FD interest rate if within the Promotion Period they successfully purchase or participate in or have existing holding in 3 or more selected products/ packages and where one of the products must be a non-deposit Wealth product as listed in Table (5a).
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3.5.3.
The eligible Premier Banking Customer purchases/ participates in/ holds 3 of the products/ packages listed in Table (5a), then the Eligible Premier Banking Customer is eligible to enjoy the promotional interest rate of 5.50% p.a. for 3-month FD placement. Table (5a): Eligible Products and Packages Products or Packages 1
OCBC Fixed Deposit
2
OCBC Mudharabah GIA-i
3
OCBC Commodity Murabahah GIA-i
4
OCBC Savings Account Products
5
OCBC Savings Account-i Products
6
OCBC Current Account Products
7
OCBC Current Account-i Products
8
OCBC Foreign Currency Deposits
Type of Products
Deposit Product (All CASA/ FD/ GIA-i/ CMGIA-i accounts are Insured By PIDM)
9
Unit Trust (“UT”) Products
10
OCBC Bancassurance Products
11
Foreign Currency Retail Bonds
12
Floating Rate Negotiable Instruments of Deposits (“FRNID”)
13
Credit-Linked Investments (“CLI”)
14
Dual Currency Investments (“DCI”)
15
Equity Linked Convertible Investments (“ELCI”)
16
Auto-callable Commodity/ Equity Linked Structured Investment
17
Callable Credit Linked Structured Investment
18
OCBC Loan Products
Non-Deposit Product
3.5.4.
The Premier Bank Deal is open only to “Eligible Premier Banking Customers” as defined in clause 3.5.5 below.
3.5.5.
Eligible Premier Banking Customers shall mean and refer to such Eligible Customers of OCBC who apply for and are accepted to be members of OCBC Premier Banking within the Promotion Period.
3.5.6.
To participate in the Premier Bank Deal, an Eligible Premier Banking Customer must make a new placement in a 3-month tenured FD with OCBC Bank during the Promotion Period. If the Eligible Premier Banking Customer does not have an existing OCBC FD Account, the Eligible Premier Banking Customer shall open an OCBC FD Account in order to participate in the Premier Bank Deal.
3.5.7. Placement of the FD under this Premier 3-month FD Promotion shall be made concurrently with the application for OCBC Premier Banking membership. 3.5.8. The minimum Non-Deposit Wealth Product purchase is RM30,000 for Investment product or RM5,800 annual premium for Bancassurance products or the minimum requirement for the respective investments, whichever is higher. 3.5.9. The minimum FD placement under this Premier Bank Deal is RM10,000 and maximum FD placement is an amount equivalent to 50% of the value of the Eligible Premier Banking Customer’s assets under management as at the date of the FD placement (including the FD placement amount) or RM1 million, whichever is lower. For purposes of this Premier Bank Deal, the term “assets under management” shall mean and refer to selected products purchased by the Eligible Premier Banking Customer from OCBC Bank and include deposits, investment products and Bancassurance products with premiums payable annually. 3.5.10. This Premier Bank Deal is limited to one FD placement for each Eligible Premier Banking Customer. 3.5.11. Fresh funds are required for this promotion as explained in clause 4.2 below. 4. Other terms and conditions 4.1. All the existing Accounts and Services – Main Terms and Conditions as well as the terms and conditions governing the respective products / packages / programs 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. 4.2. Conditions on all the promotional FD/ CMGIA-i placements: 4.2.1. The funds used for the FD/ CMGIA-i and CASA placement under promotion item 3.1 (CMGIA-I Deal), 3.2 (Combat Inflation Deal), 3.4 (Savings Deal) and 3.5 (Premier Bank Deal) above 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. 4.2.2. If any amount is prematurely withdrawn from the FD/ CMGIA-i Account (as the case may be) before the completion of the promotional FD/ CMGIA-i tenure, the penalties/ rebates by the Customer are as follows: Before completion of first 3 months of the FD/ CMGIA-i placement : Thereafter:
Page 7 of 8
No interest/ profit will be paid (for CMGIA-i, the Customer shall give rebate on all profit) 50% of the contracted promotional rate is payable for each completed month for FD/ CMGIA-i (for CMGIA-i, the Customer shall give rebate on 50% of the contracted profit)
OCBCInflationBuster2Q14/FullT&C/11March2014/Eng/ver1
4.2.3. 4.2.4.
4.3. 4.4. 4.5. 4.6.
Interest/ profit payment will only be made at maturity of the promotional FD/ CMGIA-i tenure. Upon maturity of the promotional FD/ CMGIA-i tenures, the promotional interest rates/ profit rates will cease to apply and the FD/ CMGIA-i 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 or OABB from time to time. The selection of products for this Promotion is at OCBC’s or OABB absolute discretion. OCBC and OABB 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 and OABB 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/OABB branch or their websites respectively or by incorporating the notice into OCBC’s/OABB’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 Inflation Buster 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 or OABB from time to time.
……………………………… Name: I/C No.: Date: CIF No.:
Page 8 of 8
………………………………… Name: I/C No.: Date: CIF No.:
OCBCInflationBuster2Q14/FullT&C/28March2014/BM/ver1
Terma dan Syarat Promosi OCBC Inflation Buster (“Promosi”) 1. Promosi 1.1. OCBC Bank (Malaysia) Berhad (“OCBC”) dan OCBC Al-Amin Bank Berhad (“OABB”) memperkenalkan Promosi OCBC Inflation Buster (“Promosi”) yang menawarkan kepada Pelanggan Yang Layak (ditakrifkan di bawah) produk-produk berikut, tertakluk kepada terma dan syarat yang terkandung di sini: JADUAL PRODUK-PRODUK DALAM PROMOSI Produk-produk yang ditawarkan oleh Produk-produk yang ditawarkan oleh OCBC Bank (Malaysia) Berhad (295400-W) (“OCBC”) OCBC Al-Amin Bank Berhad (818444-T) (“OABB”) (a)
Tawaran Combat Inflation: Kadar faedah promosi berperingkat bagi Simpanan Tetap (“ST”) untuk 6-bulan pertama dan 12-bulan seterusnya
Tidak berkaitan
(b)
Tawaran APAKM-i: Kadar keuntungan promosi bagi Akaun Pelaburan Am-i Komiditi Murabahah (“APAKM-i”) 12-bulan
Tawaran APAKM-i: Kadar keuntungan promosi bagi APAKM-i 12-bulan
(c)
Tawaran Deposit: Kadar faedah promosi bagi ST 3-bulan dan 12-bulan
Tawaran Deposit: Kadar keuntungan promosi bagi APAKMi 3-bulan dan 12-bulan
(d)
Tawaran Simpanan: Kadar faedah promosi bagi ST 3bulan apabila Pelanggan Yang Layak mendepositkan jumlah minimum yang ditentukan ke dalam Akaun Semasa OCBC atau Akaun Simpanan (“ASAS”) terpilih
Tidak berkaitan
(e)
Tawaran Pelaburan: Kadar faedah promosi bagi ST 3bulan apabila Pelanggan Yang Layak membeli mana-mana satu atau lebih daripada satu produk Pelaburan OCBC yang terpilih.
Tawaran Pelaburan: Kadar keuntungan promosi bagi APAKM-i 3-bulan apabila Pelanggan Yang Layak membeli mana-mana satu atau lebih daripada satu produk Pelaburan OABB yang terpilih.
Tawaran Perbankan Premier: Kadar faedah promosi bagi Tidak berkaitan ST 3-bulan apabila Pelanggan Yang Layak berjaya mendaftar keahlian Perbankan Premier OCBC NOTA: Semua rujukan terhadap mana-mana nama produk di dalam Terma dan Syarat ini seperti yang dinyatakan di dalam Jadual ini hendaklah ditafsir dan difahami sebagai produk yang ditawarkan sama ada oleh OCBC atau OABB. (f)
1.2. 1.3.
Promosi ini sah mulai 1 April 2014 sehingga 31 Julai 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 dan OABB (kecuali cawangan OABB Xpres) di Malaysia. Produk-produk OABB boleh juga didapati di cawangan-cawanagn OCBC, manakala ST dan produk-produk dan/atau perkhidmatan perbankan konvensional hanya boleh didapati di cawangan-cawangan OCBC.
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. 2.2. 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. 2.3. Pelanggan yang layak untuk menyertai Promosi ini akan dirujuk sebagai “Pelanggan Yang Layak”. 3. Selok-Belok dan Syarat-Syarat Promosi 3.1. Tawaran APAKM-i/ Tawaran Deposit (Kedua-dua ST dan APAKM-i dijamin Oleh PIDM) Jadual (1) Jumlah Kadar peletakan Faedah/ Kadar minimum Promosi Tempoh Lazim* Keuntungan bagi setiap Promosi pelanggan Tawaran APAKM-i 3.65% 3.05% 12-bulan setahun setahun (APAKM-I sahaja)
Jumlah peletakan maksimum bagi setiap pelanggan
Syarat Khas**
Dana segar diperlukan (fasal 4.2 di bawah)
3.20% 2.85% RM10,000 RM5 juta setahun setahun Tiada 3.40% 3.05% 12-bulan setahun setahun * Untuk ilustrasi sahaja. Kadar lazim seperti pada 28 Mac 2014 diguna untuk tujuan ilustrasi bagi menunjukkan perbezaan di antara kadar lazim dan kadar promosi. Bagi mengetahui kadar lazim terkini, layari www.ocbc.com.my. Tawaran Deposit (ST dan APAKM-i)
3.2.
Tawaran Combat Inflation (ST adalah dijamin oleh PIDM) 3.2.1.
Page 1 of 8
3-bulan
Pelanggan yang Layak boleh menikmati kadar feadah promosi dengan membuat peletakan ST untuk tempoh seperti yang ditunjukkan dalam jadual (2) di bawah:
OCBCInflationBuster2Q14/FullT&C/28March2014/BM/ver1
Tempoh
Jadual (2): Kadar Faedah ST Promosi Tawaran Pelaburan Kadar Faedah/ Keuntungan Kadar Lazim* Promosi
6-bulan pertama (180 hari)
3.60% setahun
2.90% setahun
12-bulan seterusnya (365 hari)
4.00% setahun
3.05% setahun
* Untuk ilustrasi sahaja. Kadar lazim seperti pada 28 Mac 2014 diguna untuk tujuan ilustrasi bagi menunjukkan perbezaan di antara kadar lazim dan kadar promosi. Bagi mengetahui kadar lazim terkini, layari www.ocbc.com.my. Hasil tahunan efektif untuk promosi ini ialah 3.87% setahun. 3.2.2.
Jumlah peletakan minimum ST untuk Promosi ini ialah RM10,000 dan jumlah peletakan maksimum is RM5 juta bagi setiap akaun.
3.2.3.
Tempoh penuh Promosi ST 545 hari hendaklah dilengkapkan.
3.2.4.
Faedah yang diperolehi dalam penggal pertama iaitu 180 hari akan ditambah secara automatik ke jumlah pokok dan diletakkan untuk penggal kedua iaitu 365 hari.
3.2.5.
Berdasarkan fasal 3.2.4, arahan tempoh matang penggal pertama di bawah promosi ini mestilah “wang pokok tambah faedah untuk 365 hari seterusnya pada kadar 4.00% setahun” dan semua arahan lain tidak akan dibenarkan atau tidak akan dilaksanakan.
3.2.6.
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 (2). 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.
3.2.7.
Faedah bagi Promosi ini akan dibayar pada akhir penggal kedua.
3.2.8.
Contoh kiraan bagi peletakan dan penalti ST digambarkan di dalam jadual (2a) di bawah: Jadual (2a): Contoh kiraan bagi peletakan dan penalti ST Tarikh Peletakan
Jumlah Pokok
Kadar Faedah Promosi
Tarikh Pengeluaran Pramatang
Faedah yang kena Dibayar
Kiraan Penalti
1 April 2014 – 28 Sept 2014
RM20,000
3.60% setahun
14 Mei 2014
Tiada faedah akan dibayar
Tiada faedah akan dibayar **
28 Sept 2014 – 28 Sept 2015
N/A
4.00% setahun
NA
NA
NA
Penggal Pertama (180 hari)
1 April 2014 – 28 Sept 2014
RM20,000
3.60% setahun
NA
RM20,000 x 3.60% x 180/365 = RM355.07
Jumlah Faedah yang kena Dibayar = RM355.07 + RM66.92 = RM421.99
Penggal Kedua (365 hari)
28 Sept 2014 – 28 Sept 2015
RM20,355.07
4.00% setahun
26 Nov 2014
cth.
Penggal
A
Penggal Pertama (180 hari) Penggal Kedua (365 hari)
B
RM20,355.07 x 4.00% x 30/365 = RM66.92
Kiraan Penalti = RM421.99 x 50% = RM211.00
** Tiada faedah akan dibayar sekiranya ada pengeluaran pramatang ST sebelum tamat tempoh peletakan 90 hari pertama dalam penggal pertama ST. 3.2.9.
3.3.
Apabila tempoh promosi ST telah matang, kadar faedah promosi akan tamat dan ST akan diperbaharui secara automatik untuk tempoh 12-bulan pada kadar lazim semasa sekiranya tiada arahan lain diterima daripada Pelanggan Yang Layak.
Tawaran Pelaburan (kedua-dua ST dan APAKM-i adalah dijamin oleh PIDM) Pelanggan yang Layak boleh menikmati kadar faedah/keuntungan promosi apabila Pelanggan Yang Layak membeli dalam Tempoh Promosi, mana-mana produk dan pakej terpilih dengan OCBC dan OABB. 3.3.1.
Sentiasa tertakluk kepada provisos dalam fasal 3.3.2, 3.3.3 dan 3.3.4 di bawah : (a)
Pelanggan Yang Layak boleh menikmati kadar faedah promosi ST 3-bulan seperti yang dinyatakan dalam Jadual (3) di bawah, sekiranya mereka berjaya membeli atau menyertai mana-mana Produk/ Pakej Terpilih seperti yang dinyatakan dalam Jadual (3a) di bawah dalam Tempoh Promosi; dan
(b)
Pelanggan Yang Layak boleh menikmati kadar keuntungan promosi APAKM-i 3-bulan seperti yang dinyatakan dalam Jadual (3) di bawah, sekiranya mereka berjaya membeli atau menyertai mana-mana Produk/ Pakej Terpilih seperti yang dinyatakan dalam Jadual (3b) di bawah dalam Tempoh Promosi; Jadual (3): Kadar Faedah/Keuntungan ST/APAKM-i Promosi Tawaran Pelaburan
Page 2 of 8
Tempoh
Kadar Faedah/ Keuntungan Promosi
Kadar Lazim*
3-bulan ST/APAKM-i
5.00% setahun
2.85% setahun
OCBCInflationBuster2Q14/FullT&C/28March2014/BM/ver1
* Untuk ilustrasi sahaja. Kadar lazim dan diisytiharkan seperti pada 28 Mac 2014 digunakan untuk tujuan ilustrasi bagi menunjukkan perbezaan di antara kadar lazim dan kadar promosi. Bagi mengetahui kadar lazim terkini, layari www.ocbc.com.my. Jadual (3a) Senarai Produk dan Pakej yang dijual atau diagihkan oleh OCBC 1
OCBC Stabiliser^
2
OCBC ARIP-i^ OCBC ARIP-i ialah produk OABB yang diedarkan oleh OCBC Bank.
3
OCBC Starter Invest^
4
Produk-produk Unit Amanah Saham (“UAS”) Dana unit amanah saham yang layak (“Dana”): AMPRECIOUS METAL AMCOMMODITIES EQUITY AMASEAN EQUITY FUND AMGLOBAL AGRIBUSINESS FUND AM TACTICAL BOND FUND AMSCHRODER EUROPEAN EQUITY ALPHA AMASIA PACIFIC REITS AMASIA PACIFIC EQUITY INCOME AMGLOBAL PROPERTY EQUITIES FUND CIMB PRINCIPAL STRATEGIC BOND FUND CIMB ISLAMIC ENHANCED SUKUK FUND (FORMER DANA WAFIQ) CIMB ISLAMIC EQUITY AGGRESSIVE FUND (FORMER DANA MUBARAK) CIMB MENA EQUITY FUND CIMB PRINCIPAL EQUITY GROWTH & INCOME FUND CIMB-PRINCIPAL EQUITY FUND (FORMER PREMIUM CAPITAL) CIMB-PRINCIPAL BALANCED FUND CIMB-PRINCIPAL BOND FUND CIMB-PRINCIPAL EQUITY AGGRESSIVE FUND 3 (FORMER FUTURE GOALS) CIMB-PRINCIPAL GLOBAL TITANS FUND CIMB-PRINCIPAL INCOME PLUS BALANCED FUND CIMB-PRINCIPAL KLCI-LINKED FUND 2 (FORMER COMPOSITE INDEX) CIMB PRINCIPAL GREATER CHINA EQUITY FUND CIMB-PRINCIPLE SMALL CAP FUND (FORMER HIDDEN TREASURES) GLOBAL FORTUNE FUND HONG LEONG BALANCED FUND HONG LEONG BLUE CHIP FUND HONG LEONG BOND-ORDINARY PLAN HONG LEONG DANA MAA'ROF HONG LEONG DANA MAKMUR FUND HONG LEONG DIVIDEND FUND HONG LEONG GLOBAL BOND FUND HONG LEONG GROWTH FUND HONG LEONG PENNY STOCK FUND HONG LEONG STRATEGIC FUND HWANG AIIMAN GROWTH FUND HWANG AIIMAN INCOME PLUS FUND HWANG GLOBAL EMERGING MARKETS HWANG GLOBAL PROPERTY FUND HWANG SELECT INCOME FUND HWANG SGD INCOME FUND HWANG SELECT OPPORTUNITY FUND HWANG SELECT ASIA (EX JAPAN) OPPORTUNITY FUND HWANG SELECT ASIA (EX JAPAN) QUANTUM FUND HWANG SELECT JAPAN QUANTUM FUND RHB-OSK ASIA PACIFIC FUND RHB-OSK DANA ISLAM
RHB-OSK EMERGING OPPORTUNITY UNIT TRUST RHB-OSK EQUITY TRUST RHB-OSK GLOBAL CAPITAL FUND RHB-OSK GLOBAL EQUITY YIELD FUND RHB-OSK GROWTH AND INCOME FOCUS TRUST RHB-OSK KIDSAVE TRUST RHB-OSK KLCI TRACKER FUND RHB-OSK SMALLCAP OPPORTUNITY UNIT TRUST RHB-OSK SMART BALANCED FUND RHB-OSK SMART INCOME FUND RHB-OSK SMART TREASURE FUND RHB-OSK GLOBAL ALLOCATION FUND RHB-OSK MULTI ASSET REGULAR INCOME FUND RHB-OSK ASIAN INCOME FUND RHB-OSK US FOCUS EQUITY FUND PACIFIC ASIA BRANDS FUND PACIFIC ASIAPAC INCOME FUND PACIFIC DANA AMAN PACIFIC DANA DIVIDEN PACIFIC DANA MURNI PACIFIC DIVIDEND FUND PACIFIC ELIT DANA AMAN PACIFIC ELIT DANA DIVIDEN PACIFIC ELIT ISLAMIC ASIAPAC BALANCED FUND PACIFIC ELITE ASIA DIVIDEND FUND PACIFIC ELITE CHINA GROWTH FUND PACIFIC ELITE DIVIDEND FUND PACIFIC ELITE EMERGING MARKETS FUND PACIFIC ELITE GLOBAL DIVIDEND FUND PACIFIC ELITE GLOBAL STRATEGIC FUND PACIFIC FOCUS 18 FUND PACIFIC FOCUS CHINA FUND PACIFIC INCOME FUND PACIFIC MILLENNIUM FUND PACIFIC PEARL FUND PACIFIC PREMIER FUND PACIFIC RECOVERY FUND PACIFIC S&P GLOBAL STARS FUND PACIFIC SELECT BALANCE FUND PACIFIC SELECT INCOME FUND RHB GOLDENLIFE TODAY TA ASIAN DIVIDEND INCOME FUND TA EUROPEAN EQUITY FUND TA GLOBAL ASSET ALLOCATOR FUND TA SOUTH EAST ASIA EQUITY FUND TA TOTAL RETURN FUND
NOTA-NOTA PENTING: (a) OCBC berhak untuk meminda senarai Dana yang layak dari semasa ke semasa tanpa mengemukakan sebarang sebab terlebih dahulu. OCBC akan memberikan notis bagi sebarang pindaan yang dilakukan terhadap senarai Dana yang layak kepada pelanggan melalui mana-mana bentuk komunikasi seperti yang dinyatakan dalam Terma dan Syarat untuk Perkhidmatan Pelaburan OCBC. (b) Pelanggan yang Layak memahami dan memperakui bahawa Caj Jualan minimum sebanyak 2.00% akan dikenakan ke atas Dana di bawah Promosi ini dengan pengecualian bagi Dana berikut (“Pacific ELITE Funds”): Pacific ELITE Dividend Fund Pacific ELITE Asia Dividend Fund Pacific ELITE China Growth Fund Pacific ELITE Global Strategic Fund Pacific ELITE Emerging Markets Fund Pacific ELITE Dana Aman Pacific ELITE Dana Dividen Pacific ELITE Islamic AsiaPac Balanced Fund
Pacific ELITE Global Dividend Fund
Pacific ELITE Funds yang tersenarai di atas adalah dikecualikan daripada Caj Jualan dan mempunyai Yuran Pengurusan Tahunan sebanyak 2.00%
Page 3 of 8
OCBCInflationBuster2Q14/FullT&C/28March2014/BM/ver1
setahun di mana ia adalah lebih tinggi berbanding dengan unit amanah saham yang lain. Pelanggan haruslah merujuk kepada prospektus bagi setiap Dana terbabit untuk maklumat tentang caj jualan yang lengkap. Para pelabur dinasihatkan untuk membaca dan memahami kandungan prospektus, dan jika perlu, menghubungi penasihat masing-masing serta mengambil kira yuran-yuran dan caj-caj yang terlibat sebelum melabur; cth. yuran pengurusan tahunan yang dikenakan pada kadar harga yang lebih tinggi daripada harga purata industri bagi Pacific ELITE Funds berbanding dengan dana yang sama .
5
Pelaburan Berstruktur (“SI”) Produk-produk SI yang layak Bon Runcit Pelaburan Berstruktur Boleh Panggil Automatik Instrumen Deposit Boleh Niaga Kadar Terapung
^ Akaun simpanan OCBC Stabiliser, akaun simpanan OCBC ARIP-i dan akaun simpanan OCBC Starter Invest adalah dijamin oleh PIDM. Jadual (3b) Senarai Produk atau Pakej yang dijual atau diagihkan oleh OABB OCBC ARIP-i^ Produk Unit Amanah Saham-i (“UAS-i”) Dana UAS-i yang layak (“Dana-i”): AMASEAN EQUITY FUND
PACIFIC ELIT DANA AMAN FUND
AMPRECIOUS METALS FUND
PACIFIC ELIT DANA DIVIDEN FUND
AMCOMMODITIES EQUITY FUND
PACIFIC ELIT ISLAMIC ASIAPAC BALANCED FUND
HONG LEONG DANA MAKMUR FUND
PACIFIC DANA AMAN FUND
HONG LEONG DANA MAA'ROF FUND
PACIFIC DANA DIVIDEN FUND
HWANG AIIMAN INCOME PLUS FUND (formerly AIIMAN Balanced)
PACIFIC DANA MURNI FUND
HWANG AIIMAN GROWTH FUND (formerly Dana Idzihar)
OSK-UOB DANA KIDSAVE
HWANG AIIMAN SELECT INCOME FUND NOTA-NOTA PENTING: (a) OABB berhak untuk meminda senarai Dana-i yang layak dari semasa ke semasa tanpa mengemukakan sebarang sebab terlebih dahulu. OABB akan memberikan notis bagi sebarang pindaan yang dilakukan terhadap senarai Dana-i yang layak kepada pelanggan melalui mana-mana bentuk komunikasi seperti yang dinyatakan dalam Terma dan Syarat untuk Perkhidmatan Pelaburan. (b) Pelanggan yang Layak memahami dan memperakui bahawa Caj Jualan minimum sebanyak 2.00% akan dikenakan ke atas produk-produk UAS-i di bawah Promosi ini dengan pengecualian bagi Dana-i berikut (“Pacific ELIT Funds”): Pacific ELIT Dana Aman. Pacific ELIT Dana Dividen. Pacific ELIT Islamic AsiaPac Balanced Fund. Pacific ELIT Funds yang tersenarai di atas adalah dikecualikan daripada Caj Jualan dan mempunyai Yuran Pengurusan Tahunan sebanyak 2.00% setahun di mana ia adalah lebih tinggi berbanding dengan unit amanah saham yang lain. Pelanggan haruslah merujuk kepada prospektus bagi setiap Dana-i terbabit untuk maklumat tentang caj jualan yang lengkap. Para pelabur dinasihatkan untuk membaca dan memahami kandungan prospektus, dan jika perlu, menghubungi penasihat masing-masing serta mengambil kira yuran-yuran dan caj-caj yang terlibat sebelum melabur; cth. yuran pengurusan tahunan yang dikenakan pada kadar harga yang lebih tinggi daripada harga purata industri bagi Pacific ELIT Funds berbanding dengan dana yang sama .
^ Akaun simpanan OCBC ARIP-i adalah dijamin oleh PIDM. 3.3.2.
Jumlah peletakan minimum ST untuk Promosi ini ialah RM10,000 dan jumlah peletakan maksimum tertakluk kepada jumlah pelaburan dan/atau caj jualan (jika berkenaan) dan senarai produk di dalam jadual (4a). Pelanggan Yang Layak boleh menikmati kadar faedah promosi ST 3-bulan seperti yang dinyatakan dalam Jadual (3) selaras dengan fasal 3.3.1 di atas asalkan pada setiap masa: (a) Pelanggan Yang Layak membeli atau menyertai dalam mana-mana Produk/Pakej Terpilih yang dinyatakan dalam Ruang A Jadual (4a) haruslah berada dalam lingkungan jumlah pelaburan dan/ atau caj jualan jika berkenaan yang dinyatakan dalam Ruang B Jadual (4a); dan (b) Jumlah peletakan Pelanggan Yang Layak dalam promosi ST 3-bulan haruslah tidak melebihi had yang dinyatakan dalam Ruang C Jadual (4a).
3.3.3.
Ruang A Senarai Produk OCBC Stabiliser
Jadual (4a) Ruang B Jumlah Pelaburan dan/atau Caj Jualan Minimum (jika berkenaan) Jumlah pelaburan minimum RM18,000
OCBC ARIP-i OCBC Starter Invest (berdasarkan jumlah permulaan UAS) Produk-produk Unit Amanah Saham (pelaburan sekaligus)
Page 4 of 8
Ruang C Jumlah Peletakan Maksimum ST
Jumlah pelaburan minimum RM10,000
Caj jualan di bawah 2% & Jumlah pelaburan minimum RM20,000
Mestilah tidak melebihi dua (2) kali jumlah pelaburan
Mestilah tidak melebihi 50% jumlah pelaburan
OCBCInflationBuster2Q14/FullT&C/28March2014/BM/ver1
Produk-produk Unit Amanah Saham (pelaburan sekaligus)
Caj jualan minimum 2% & Jumlah pelaburan minimum RM10,000
Mestilah tidak melebihi dua (2) kali jumlah pelaburan
Bon Runcit Ringgit Malaysia
Jumlah pelaburan minimum RM20,000
Mestilah tidak melebihi 50% jumlah pelaburan
Bon Runcit Mata Wang Asing
Jumlah pelaburan minimum RM10,000
Mestilah tidak melebihi dua (2) kali jumlah pelaburan
Pelaburan Berstruktur Boleh Panggil Automatik
Jumlah pelaburan minimum RM20,000
Instrumen Deposit Boleh Niaga Kadar Terapung
Jumlah pelaburan minimum RM20,000
Mestilah tidak melebihi 50% jumlah pelaburan
3.3.4.
Pelanggan Yang Layak boleh menikmati kadar keuntungan promosi APAKM-i 3-bulan seperti yang dinyatakan dalam Jadual (2) selaras dengan fasal 3.3.1 di atas asalkan pada setiap masa: (a) Pelanggan Yang Layak membeli atau menyertai dalam mana-mana Produk/Pakej Terpilih yang dinyatakan dalam Ruang A Jadual (4b) haruslah berada dalam lingkungan jumlah pelaburan yang dinyatakan dalam Ruang B Jadual (4b); dan (b) Jumlah peletakan Pelanggan Yang Layak dalam promosi APAKM-i 3-bulan haruslah tidak melebihi had yang dinyatakan di dalam Ruang C Jadual (4b).
Ruang A: Senarai Produk
Jadual (4b) Ruang B: Jumlah Pelaburan/ Caj Jualan Minimum (jika berkenaan)
OCBC ARIP-i
Jumlah pelaburan minimum RM10,000
Produk-produk Unit Amanah Saham-i (pelaburan sekaligus)
Caj jualan di bawah 2% & Jumlah pelaburan minimum RM20,000 Caj jualan minimum 2% & Jumlah pelaburan minimum RM10,000
Ruang C: Jumlah Peletakan Maksimum APAKM-i Mestilah tidak melebihi dua (2) kali jumlah pelaburan Mestilah tidak melebihi 50% jumlah pelaburan Mestilah tidak melebihi dua (2) kali jumlah pelaburan
3.3.5.
Mana-mana pembelian atau penyertaan dalam mana-mana Produk/ Pakej yang Terpilih yang menggunakan wang Kumpulan Wang Simpanan Pekerja (KWSP) adalah dikecualikan dan tidak layak menyertai Promosi ini. Peletakan ST/APAKM-i di bawah Promosi ini haruslah dilakukan serentak dengan pembelian Produk/Pakej yang Terpilih OCBC /OABB.
3.3.6. 3.3.7.
Peletakan ST/APAKM-i untuk Promosi ini mestilah dilakukan serentak dengan pembelian produk OCBC/ OABB. Sekiranya pelaburan dalam salah satu daripada Produk/Pakej yang Terpilih dibatalkan semasa dalam tempoh “cooling-off” masing-masing, Pelanggan Yang Layak tidak boleh menikmati Kadar Faedah/Keuntungan promosi ST/APAKM-i. Kadar lazim semasa (mengikut tarikh peletakan ST/APAKM-i) akan digunakan. (a) Hak “Cooling-Off” Unit Amanah Saham: 3.3.7.a.1. Hak “cooling-off” hanya boleh diguna sekali sahaja oleh Pelanggan yang Layak yang pertama kali melabur dalam dana UAS/UAS-i dengan OCBC/OABB. Hak “cooling-off” tidak sah untuk mana-mana pelaburan berikutnya oleh pelanggan yang sama bagi dana UAS /UAS-i dengan OCBC /OABB. 3.3.7.a.2. Jika pelaburan UAS/UAS-i telah melalui tempoh “cooling- off”, Pelanggan yang Layak akan menerima kembali jumlah pelaburan UAS/UAS-i dan caj perkhidmatan UAS/UAS-i yang telah dibayar. 3.3.7.a.3. Tempoh “cooling-off” ialah selama enam (6) hari bekerja bermula dari tarikh penerimaan permohonan oleh OCBC /OABB.
3.4.
Tawaran Simpanan 3.4.1.
Pelanggan yang Layak boleh menikmati kadar faedah Promosi ST untuk tempoh seperti yang ditunjukkan di jadual (5) di bawah. Jadual (5): Promosi ST Ringgit Malaysia Tempoh ST Kadar Faedah Promosi Kadar Lazim* 4.30% setahun 3-bulan 2.85% setahun * Untuk ilustrasi sahaja. Kadar lazim ST 3-bulan seperti pada 28 Mac 2014 digunakan untuk tujuan ilustrasi bagi menunjukkan perbezaan di antara kadar lazim dan kadar promosi. Bagi mengetahui kadar lazim terkini, layari www.ocbc.com.my.
3.4.2. Pelanggan yang Layak boleh menikmati kadar faedah promosi untuk ST yang dinyatakan dalam Jadual (5), dengan syarat jika mendepositkan jumlah RM10,000 ke dalam Akaun ASAS terpilih ditunjukkan dalam Jadual (6) di bawah: Jadual (6) Senarai Akaun ASAS Terpilih (Kesemua Akaun ASAS dibawah adalah dijamin oleh PIDM) Akaun Simpanan OCBC Easi-Save 1 2 3
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Akaun Simpanan OCBC Easi-Save Plus Akaun Simpanan OCBC Young Savers
OCBCInflationBuster2Q14/FullT&C/28March2014/BM/ver1
3.4.3.
4
Akaun Simpanan OCBC MoneyMax
5 6
Akaun OCBC Esteem Akaun Semasa OCBC
7
Akaun Premier OCBC
8
Akaun OCBC SmartSavers
9
Akaun OCBC SmartSavers Junior
10
Akaun OCBC Premier Save Gold
Untuk menyertai Tawaran Simpanan ini, Pelanggan Yang Layak hendaklah melaksanakan seperti yang berikut serentak dalam Tempoh Promosi: (a) membuat peletakan baru bertempoh 3-bulan untuk akaun ST, tertakluk kepada jumlah peletakan minimum sebanyak RM10,000 dan peletakan maksimum bersamaan dengan jumlah Deposit ASAS atau RM5 juta mana yang lebih rendah; dan (b) membuat deposit ke dalam mana-mana akaun ASAS Terpilih dalam Jadual (6) di atas, tertakluk kepada jumlah minimum RM10,000. Jadual (7): Ilustrasi jumlah peletakan dalam akaun ST dan ASAS Terpilih JUMLAH PELETAKAN ST
JUMLAH PELETAKAN ASAS
RM10,000
RM10,000
RM200,000
RM200,000 RM1,500,000
RM1,000,000
(Nota: Jumlah Diketepikan (ditakrifkan di bawah) hanyalah RM1,000,000, iaitu bersamaan dengan jumlah peletakan ST)
3.4.4.
Sekiranya Pelanggan Yang Layak tidak memiliki mana-mana Akaun ST OCBC sedia ada dan/atau mana-mana Akaun ASAS Terpilih, Pelanggan Yang Layak haruslah membuka akaun(-akaun) tersebut dalam Tempoh Promosi terlebih dahulu bagi menyertai Promosi ini. Akaun-akaun ST dan ASAS adalah tertakluk kepada terma dan syarat masing masing, termasuk jumlah minimum bagi pembukaan akaun untuk ASAS seperti yang ditunjukkan dalam jadual (6) di atas.
3.4.5. 3.4.6.
Peletakan ST/APAKM-i untuk Promosi ini mestilah dilakukan serentak dengan deposit ke dalam ASAS Jumlah yang didepositkan ke dalam ASAS akan deketepikan untuk jangka masa tempoh ST iaitu 3-bulan bermula dari tarikh deposit/peletakan (“Jumlah Diketepikan”). Sekiranya keseluruhan atau sebahagian Jumlah Diketepikan dikeluarkan dari ASAS Terpilih sebelum tempoh matang ST 3-bulan, fasal 3.4.9 akan diguna pakai. Pengetepian tersebut akan tamat secara automatik selepas tempoh matang ST 3-bulan, atau selepas pengeluaran peletakan ST di bawah fasal 3.4.8 (b), mana yang lebih awal. Untuk Akaun Semasa, Pelanggan Yang Layak perlu memastikan bahawa semua cek dan pengeluaran dilindungi secukupnya oleh dana yang tidak diketepikan. Cek(-cek) yang dikeluarkan berlebihan daripada dana yang tidak diketepikan dalam Akaun Semasa akan dikembalikan kepada anda atas sebab dana yang tidak mencukupi. Untuk terus menyertai promosi ini, Pelanggan Yang Layak haruslah: (a) mengekalkan Jumlah Diketepikan di dalam ASAS untuk tempoh 3 bulan tersebut. Sekiranya keseluruhan atau sebahagian daripada Jumlah Diketepikan dikeluarkan daripada ASAS pada bila-bila masa dalam tempoh 3 bulan tersebut, maka fasal 3.4.9 di bawah akan diguna pakai; dan (b) mengekalkan jumlah peletakan di dalam ST sehingga tarikh matang. Sekiranya keseluruhan atau sebahagian daripada jumlah peletakan ST dikeluarkan sebelum tarikh matang, maka Jumlah Diketepikan di dalam ASAS akan dibebaskan, dan fasal 4.2.2 di bawah akan diguna pakai dan tiada faedah ST akan dibayar. Kadar faedah promosi peletakan ST akan tamat sekiranya Pelanggan Yang Layak mengeluarkan keseluruhan atau sebahagian daripada Jumlah Diketepikan pada bila-bila masa dalam tempoh 3 bulan. Dalam kes tersebut, kadar lazim semasa akan digunakan ke atas peletakan ST. Jadual (8): Penjelasan untuk jumlah diketepikan untuk Deposit ASAS
3.4.7.
3.4.8.
3.4.9.
TARIKH 1 April 2014
AKAUN ST Peletakan RM20,000
KADAR FAEDAH ST 4.28% setahun
Deposit ASAS Deposit RM20,000 (Jumlah Diketepikan)
10 Mei 2014
Tiada Aktiviti
2.85% setahun**
Pengeluaran RM100 daripada Jumlah Diketepikan
22 Jun 2014
Penarikan diri/Pengeluaran
RM0***
Jumlah Diketepikan akan dibebaskan
** Untuk ilustrasi sahaja. Kadar lazim ST 3-bulan seperti pada 28 Mac 2014 diguna pakai untuk tujuan ilustrasi. Bagi mengetahui kadar lazim terkini, layari www.ocbc.com.my. *** Sila rujuk kepada fasal 4.2.2 di bawah, tiada faedah akan dibayar ke atas ST sekiranya belaku penarikan diri atau pengeluaran pramatang sebelum tamat tempoh peletakan 3-bulan pertama ST.
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3.4.10. Deposit ASAS seperti yang tersenarai dalam jadual (6) dan jumlah deposit ke dalam ASAS untuk tujuan promosi ini adalah tertakluk kepada terma dan syarat ASAS masing-masing. 3.4.11. Kadar promosi untuk ST tidak akan digunakan jika cek yang dikeluarkan untuk ASAS tidak sah dan kadar lazim akan digunakan untuk peletakan ST. 3.5.
Tawaran Perbankan Premier 3.5.1.
Pelanggan Perbankan Premier Yang Layak (ditakrifkan di bawah) boleh menikmati kadar faedah Promosi ST untuk tempoh seperti yang ditunjukkan di jadual (9) (Akaun ST OCBC adalah dijamin oleh PIDM): Jadual (9): Tawaran Perbankan Premier Kadar Faedah Jumlah pegangan produk untuk penentuan Tempoh ST Kadar Lazim ST 3-bulan* Promosi kadar faedah 3 Pegangan Produk dalam Jadual (10) di 5.50% setahun 3-bulan 2.85% setahun mana 1 daripadanya mestilah produk bukan deposit * Untuk ilustrasi sahaja. Kadar lazim ST 3-bulan seperti pada 28 Mac 2014 digunakan untuk tujuan ilustrasi bagi menunjukkan perbezaan di antara kadar lazim dan kadar faedah promosi. Bagi mengetahui kadar lazim terkini, layari www.ocbc.com.my.
3.5.2.
Pelanggan Perbankan Premier Yang Layak boleh membuat peletakan ST 3-bulan dalam Tempoh Promosi sekiranya memegang atau membeli dalam Tempoh Promosi, sekurang-kurangnya 3 daripada Produk/Pakej Terpilih OCBC yang mana salah satu produk merupakan produk bukan deposit yang dinyatakan dalam Jadual (10) di bawah. Sekiranya Pelanggan Perbankan Premier Yang Layak memegang atau membeli sekurang-kurangnya 3 daripada Produk/Pakej Terpilih OCBC dalam Jadual (10) di bawah, Pelanggan Perbankan Premier Yang Layak boleh menikmati kadar faedah promosi 5.50% setahun untuk ST 3-bulan.
3.5.3.
Jadual (10): Produk dan Pakej yang dijual atau diedarkan oleh OCBC Bank Produk atau Pakej Jenis Produk 1
Akaun Simpanan Tetap OCBC
2
Akaun Pelaburan Am Mudharabah-i OCBC
3
Akaun Pelaburan Am Komoditi Murabahah-i OCBC
4
Produk Akaun Simpanan OCBC
5
Produk Akaun Simpanan-iOCBC
6
Produk Akaun Semasa OCBC
7
Produk Akaun Semasa-i OCBC
8
Simpanan Mata Wang Asing OCBC
9
Produk Bankasurans OCBC
10
Produk Unit Amanah Saham (“UAS”)
11
Bon Runcit
12
Instrumen Deposit Boleh Niaga Kadar Terapung (“FRNID”)
13
Pelaburan Berstruktur Berkaitan Kredit (“CLI”)
14
Pelaburan Dwi Mata Wang (“DCI”)
15
17
Equity Linked Convertible Investments (“ELCI”) Pelaburan Berstruktur Berkaitan Komoditi/ Ekuiti Boleh Panggil Automatik (“AESI”) Pelaburan Berstruktur Berkaitan Kredit Boleh Panggil
18
Produk Pinjaman OCBC
16
Produk Deposit (Kesemua Akaun ASAS ini adalah dijamin oleh PIDM)
Produk Bukan Deposit
3.5.4.
Tawaran Perbankan Premier ini hanya terbuka kepada “Pelanggan Perbankan Premier Yang Layak” seperti yang ditakrifkan dalam fasal 3.5.5 di bawah.
3.5.5.
Pelanggan Perbankan Premier Yang Layak bermaksud dan merujuk kepada Pelanggan OCBC Yang Layak yang memohon dan diterima sebagai ahli Perbankan Premier OCBC dalam tempoh promosi.
3.5.6.
Untuk menyertai Tawaran Perbankan Premier ini, seorang Pelanggan Perbankan Premier Yang Layak perlu membuat peletakan baru dalam ST 3-bulan dengan OCBC dalam Tempoh Promosi. Jika Pelanggan Perbankan Premier Yang Layak tidak mempunyai Akaun ST OCBC, maka pelanggan tersebut perlu membuka Akaun ST OCBC untuk menyertai promosi ini.
3.5.7. Peletakan ST di bawah Tawaran Perbankan Premier ini mestilah dibuat serentak dengan permohonan sebagai ahli Perbankan Premier OCBC.
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3.5.8. Pembelian minimum Produk Bukan Deposit ialah RM30,000 untuk produk Pelaburan atau RM5,800 premium tahunan untuk produk Bankasurans atau jumlah minimum bagi pelaburan masing-masing, yang mana lebih tinggi. 3.5.9.
Jumlah peletakan minimum ST di bawah Tawaran Perbankan Premier ini adalah RM10,000 dan peletakan maksimum ST adalah bersamaan dengan jumlah 50% daripada nilai aset bawah pengurusan Pelanggan Perbankan Premier Yang Layak pada tarikh peletakan ST (termasuk jumlah peletakan ST) ataupun RM1 juta, mana yang lebih rendah. Untuk tujuan Tawaran Perbankan Premier ini, terma ”aset bawah pengurusan” adalah bermaksud dan merujuk kepada produk-produk terpilih yang dibeli oleh Pelanggan Perbankan Premier Yang Layak dari OCBC dan merangkumi produk-produk deposit, pelaburan, dan bankasurans dengan bayaran premium berkala tahunan.
3.5.10. Tawaran Perbankan Premier ini adalah terhad kepada hanya satu peletakan untuk setiap Pelanggan Perbankan Premier Yang Layak. 3.5.11. Dana baru adalah diperlukan untuk promosi ini seperti yang dijelaskan dalam fasal 4.2 di bawah. 4. Terma dan Syarat Lain 4.1. Semua Akaun dan Perkhidmatan sedia ada – Terma dan Syarat Utama serta terma dan syarat yang mengikat semua produk/pakej/program yang dirujuk di dalam Terma dan Syarat yang terkandung di sini akan terus diguna pakai. Sekiranya timbul apaapa percanggahan atau ketidakseragaman, maka Terma dan Syarat yang terkandung disini akan diguna pakai hanya setakat yang berkaitan dengan Promosi ini. 4.2. Syarat-syarat peletakan untuk semua promosi ST/ APAKM-i: 4.2.1. Dana digunakan untuk peletakan ST/APAKM-i dan ASAS di bawah promosi produk 3.1 (Tawaran APAKM-i), 3.2 (Tawaran Combat Inflation), 3.4 (Tawaran Simpanan) dan 3.5 (Tawaran Perbankan Premier) di atas mestilah “dana segar” 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. 4.2.2. Sekiranya sebarang jumlah dikeluarkan dari Akaun ST/APAKM-i (sekiranya berkenaan) sebelum tempoh promosi ST/APAKMi selesai, penalty/ rebat oleh Pelanggan akan dikenakan seperti berikut: Tiada faedah/keuntungan akan dibayar (untuk APAKM-I, Pelanggan hendaklah memberi rebat ke atas semua Sebelum tamat peletakan 3 bulan pertama ST/APAKM-i: keuntungan) 50% daripada kadar promosi yang dikontrakkan akan Berikutnya: dibayar bagi setiap bulan yang dilengkapkan bagi ST/APAKM-i (untuk APAKM-I, Pelanggan hendaklah memberi rebat ke atas 50% daripada keuntungan yang dikontrakkan) 4.2.3. 4.2.4.
4.3. 4.4. 4.5. 4.6.
Pembayaran faedah/keuntungan hanya akan dibuat pada tempoh matang promosi ST/APAKM-i. Apabila tempoh promosi ST /APAKM-i telah matang, kadar faedah/keuntungan promosi akan tamat dan ST/APAKM-i 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 atau OABB dari semasa ke semasa. Pemilihan produk-produk untuk Promosi ini adalah atas budi bicara mutlak OCBC atau OABB. OCBC atau OABB 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 atau OABB 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/OABB atau di laman web masing-masing atau dengan memasukkan notis ke dalam penyata OCBC/OABB 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 Inflation Buster. Saya/Kami bersetuju untuk terikat dengan Terma dan Syarat di atas yang mungkin dipinda oleh OCBC atau OABB dari semasa ke semasa.
……………………………… Nama: No K/P: Tarikh: No. CIF:
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………………………………… Nama: No. K/P: Tarikh: No. CIF: