OCBC Share For More Promotion ( Promotion ) Terms and Conditions

Transcription

1 OCBCShareForMore2Q13/FullT&C/9May2013/Eng/ver4 1. The Promotion 1.1. OCBC Bank (Malaysia) Berhad ( OCBC ) and OCBC Al-Amin Bank Berhad ( OABB ) present the OCBC Share For More Promotion ( the Promotion ), which offers Eligible Customers (defined below) the following products subject to the terms and conditions herein: (a) (b) (c) (d) OCBC Share For More Promotion ( Promotion ) Terms and Conditions Products by OCBC Bank (Malaysia) Berhad ( W) ( OCBC ) Table of products in the Promotion Fixed Deposit Promotion: promotional 3-month and 12- month Fixed Deposits ( FD ) interest rates Investments Promotion: promotional 3-month FD interest rate when Eligible Customers purchase any one or more of the selected OCBC Investment products. Savings Promotion: promotional 3-month FD interest rate when Eligible Customers deposit a specified minimum amount into selected OCBC Current Accounts or Savings Accounts ( CASA ) Premier 3-month Fixed Deposit Promotion: promotional 3-month FD interest rate Products by OCBC Al-Amin Bank Berhad ( T) ( OABB ) Commodity Murabahah General Investment Account-i Promotion: promotional 3-month and 12-month Commodity Murabahah General Investment Account-i ( CMGIA-i ) Promotion rates Investment Promotion: promotional 3-month CMGIA-i profit rate when Eligible Customers purchase any one or more of the selected OABB Investment products. Not applicable 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 2013 until 30 June 2013 (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 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. 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. Share For More Fixed Deposit and Commodity Murabahah General Investment Account-i Promotion (For Joint Accounts) (both FD and CMGIA-i are insured By PIDM) Eligible Customers will enjoy the following promotional interest rate for the following FD tenures as shown in Table (1) Table (1): Promotional Malaysia Ringgit FD/CMGIA-i Promotional FD/CMGIA-i Tenure Board Rate* Interest/Profit Rate 3-month 3.55% p.a. 2.85% p.a. 12-month 3.70% p.a. 3.05% p.a. * For illustration only. The board rate as at 1 March 2013 is used to show the difference between the board rates and the promotional rates for illustration purposes. To find out the latest board rates, please visit Different board rates may apply for resident and non-residents Eligible only for FD and/or CMGIA-i accounts by joint depositors The minimum FD/CMGIA-i placement under this Promotion is RM5,000 and maximum placement is RM1million per account This Promotion s availability is subject to overall accumulated deposit placement amount of RM1.5billion. Once the RM1.5billion mark is reached, OCBC and/or OABB reserves the right to discontinue this Promotion with prior notice, without affecting the FDs and CMGIA-i s that have already been placed under this Promotion Solo Fixed Deposit and Commodity Murabahah General Investment Account-i Promotion (both FD and CMGIA-i are insured By PIDM) Eligible Customers will enjoy the following promotional profit rate for the following FD/CMGIA-i tenures as shown in Table (2). Table (2): Promotional Malaysia Ringgit FD/CMGIA-i FD/CMGIA-i Tenure Promotional Interest/Profit Rate Board Rate* 3-month 3.40% p.a. 2.85% p.a. 12-month 3.40% p.a. 3.05% p.a. Page 1 of 8

2 OCBCShareForMore2Q13/FullT&C/9May2013/Eng/ver4 * For illustration only. The board and declared rates as at 1 March 2013 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 The minimum FD/CMGIA-i placement under this Promotion is RM5,000 and maximum placement is RM1 million per account Investment Promotion Promotional 3-month FD interest rate and 3-month CMGIA-i profit rate are applicable when Eligible Customers purchase any one or more of the selected OCBC/OABB Investment products (both FD and CMGIA-i are insured By PIDM) Subject always to the provisos in clauses and below : (a) (b) 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 (4a) below; and 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 (4b) below. Table (3): Promotional 3-month Malaysia Ringgit FD/CMGIA-i FD/CMGIA-i Tenure Promotional Interest/Profit Rate** Board Rate* 3-month 4.00% p.a. 2.85% p.a. * For illustration only. The 3-month FD/CMGIA-i board and declared rate as at 1 March 2013 is 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 Table (4a): Eligible Products and Packages offered or distributed by OCBC for Investment Promotion 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 OSK-UOB GLOBAL EQUITY YIELD FUND AMCOMMODITIES EQUITY OSK-UOB GROWTH AND INCOME FOCUS TRUST AMGLOBAL AGRIBUSINESS FUND OSK-UOB KIDSAVE TRUST CIMB PRINCIPAL STRATEGIC BOND FUND OSK-UOB KLCI TRACKER FUND CIMB ISLAMIC ENHANCED SUKUK FUND (FORMER DANA WAFIQ) OSK-UOB SMALLCAP OPPORTUNITY UNIT TRUST CIMB ISLAMIC EQUITY AGGRESSIVE FUND (FORMER DANA MUBARAK) OSK-UOB SMART BALANCED FUND CIMB MENA EQUITY FUND OSK-UOB SMART INCOME FUND CIMB PRINCIPAL EQUITY GROWTH & INCOME FUND OSK-UOB SMART TREASURE FUND CIMB-PRINCIPAL EQUITY FUND (FORMER PREMIUM CAPITAL) PACIFIC ASIA BRANDS FUND CIMB-PRINCIPAL BALANCED FUND PACIFIC ASIAPAC INCOME FUND CIMB-PRINCIPAL BOND FUND PACIFIC DANA AMAN CIMB-PRINCIPAL EQUITY AGGRESSIVE FUND 3 (FORMER FUTURE GOALS) PACIFIC DANA DIVIDEN CIMB-PRINCIPAL GLOBAL TITANS FUND PACIFIC DANA MURNI CIMB-PRINCIPAL INCOME PLUS BALANCED FUND PACIFIC DIVIDEND FUND CIMB-PRINCIPAL KLCI-LINKED FUND 2 (FORMER COMPOSITE INDEX) PACIFIC ELIT DANA AMAN CIMB-PRINCIPLE SMALL CAP FUND (FORMER HIDDEN TREASURES) PACIFIC ELIT DANA DIVIDEN GLOBAL FORTUNE FUND PACIFIC ELIT ISLAMIC ASIAPAC BALANCED FUND HONG LEONG BALANCED FUND PACIFIC ELITE ASIA DIVIDEND FUND HONG LEONG BLUE CHIP FUND PACIFIC ELITE CHINA GROWTH FUND HONG LEONG BOND-ORDINARY PLAN PACIFIC ELITE DIVIDEND FUND HONG LEONG DANA MAA'ROF PACIFIC ELITE EMERGING MARKETS FUND HONG LEONG DANA MAKMUR FUND PACIFIC ELITE GLOBAL DIVIDEND FUND HONG LEONG DIVIDEND FUND PACIFIC ELITE GLOBAL STRATEGIC FUND HONG LEONG GLOBAL BOND FUND PACIFIC FOCUS 18 FUND HONG LEONG GROWTH FUND PACIFIC FOCUS CHINA FUND HONG LEONG PENNY STOCK FUND PACIFIC INCOME FUND HONG LEONG STRATEGIC FUND PACIFIC MILLENNIUM FUND HWANG AIIMAN GROWTH FUND PACIFIC PEARL FUND HWANG AIIMAN INCOME PLUS FUND PACIFIC PREMIER FUND HWANGGLOBAL EMERGING MARKETS PACIFIC RECOVERY FUND Page 2 of 8

3 OCBCShareForMore2Q13/FullT&C/9May2013/Eng/ver4 HWANG GLOBAL PROPERTY FUND PACIFIC S&P GLOBAL STARS FUND HWANG SELECT INCOME FUND PACIFIC SELECT BALANCE FUND HWANG SELECT OPPORTUNITY FUND PACIFIC SELECT INCOME FUND OSK-UOB ASIA PACIFIC FUND RHB GOLDENLIFE TODAY OSK-UOB DANA ISLAM TA ASIAN DIVIDEND INCOME FUND OSK-UOB EMERGING OPPORTUNITY UNIT TRUST TA EUROPEAN EQUITY FUND OSK-UOB EQUITY TRUST TA GLOBAL ASSET ALLOCATOR FUND OSK-UOB GLOBAL CAPITAL FUND TA SOUTH EAST ASIA EQUITY FUND AMASEAN EQUITY FUND OSK-UOB ASIAN INCOME FUND HWANG SGD INCOME FUND TA TOTAL RETURN FUND AM TACTICAL BOND FUND HWANG SELECT ASIA (EX JAPAN) OPPORTUNITY FUND OSK-UOB MULTI ASSET REGULAR INCOME FUND OSK-UOB FOCUS BOND FUND CIMB PRINCIPAL GREATER CHINA EQUITY FUND AMASIA PACIFIC EQUITY INCOME OSK-UOB FOCUS BOND FUND SERIES 7 AMGLOBAL PROPERTY EQUITIES FUND AMASIA PACIFIC REITS AMINCOME FLEXI 3 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; ie annual management fee imposed at a higher rate than the industry average for Pacific ELITE Funds as compared to similar funds. 5 Structured Investments ( SI ) Eligible SI products 1 Foreign Currency Retail Bonds 2 Credit-Linked Investments 3 Floating Rate Negotiable Instruments of Deposits ( FRNID ) 4 Callable Interest Cumulation Negotiable Instruments of Deposits Table (4b): Eligible Products and Packages offered or distributed by OABB for Investment Promotion on Promotional 3-month CMGIA-i Listed Products or packages purchased OCBC ARIP-i^ Unit Trust-i ( UT-i ) Products 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) Eligible UT-i funds ( i-funds ): 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 HWANG AIIMAN GROWTH FUND (formerly Dana Idzihar) HWANG AIIMAN SELECT INCOME 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 Page 3 of 8

4 OCBCShareForMore2Q13/FullT&C/9May2013/Eng/ver4 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; ie annual management fee imposed at a higher rate than the industry average for Pacific ELIT Funds as compared to similar funds. ^ The OCBC Stabiliser savings account, OCBC Arip-i savings account and OCBC Starter savings account are insured by PIDM The Eligible Customers shall be eligible for the promotional 3-month FD interest rate set out in Table (3) pursuant to Clause above provided always that : (a) The Eligible Customers purchase or participation in any of the products stated in Column A of Table (5a) comes within the range of the investment amount stated in Column B of Table (5a); 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 (5a). Table (5a) Column A Listed Products Column B Investment Amount Column C Maximum FD Placement Amount RM50,000 up to Should not exceed one (1) time of the UT investment amount OCBC Stabiliser Ajer Regular Investment-i (ARIP-i) OCBC Starter Invest (based on initial UT amount) Unit Trust products (lump sum investment) Callable Interest Cumulation Negotiable Instruments of Deposits ( NID ) Structured Investments ( SI ) Retail Bonds RM500,000 and above RM50,000 up to RM500,000 and above RM50,000 up to RM500,000 and above RM50,000 up to RM500,000 and above RM70,000 up to RM500,000 and above RM250,000 up to RM500,000 and above RM250,000 up to RM500,000 and above Should not exceed three (3) times of the UT investment amount Should not exceed one (1) time of the UT investment amount Should not exceed three (3) times of the UT investment amount Should not exceed one (1) time of the UT investment amount Should not exceed three (3) times of the UT investment amount Should not exceed one (1) time of the UT investment amount Should not exceed three (3) times of the UT investment amount Should not exceed one (1) time of the NID placement amount Should not exceed three (3) times of the NID investment amount Should not exceed one (1) time of the SI placement amount Should not exceed three (3) times of the SI investment amount Should not exceed one (1) time of the Retail Bond placement amount Should not exceed three (3) times of the Retail Bond investment amount The Eligible Customers shall be eligible for the promotional 3-month CMGIA-i profit rate set out in Table (3) pursuant to Clause above provided always that : (a) The Eligible Customers purchase or participation in any of the products stated in Column A of Table (5b) within the range of the investment amount stated in Column B of Table (5b); 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 (5b). Table (5b) Column A: Listed Products Column B: Investment Amount Column C: Maximum CMGIA-i Placement Amount RM50,000 up to Should not exceed one (1) time of the UT-i Ajer Regular Investment-i (ARIP-i) investment amount RM500,000 and above Should not exceed three (3) times of the UT-i investment amount Page 4 of 8

5 OCBCShareForMore2Q13/FullT&C/9May2013/Eng/ver4 OCBC Starter Invest (based on initial UT-i amount) Unit Trust-i products (lump sum investment) RM50,000 up to RM500,000 and above RM50,000 and above RM500,000 and above Should not exceed one (1) time of the UT-i investment amount Should not exceed three (3) times of the UT-i investment amount Should not exceed one (1) time of the UT-i investment amount Should not exceed three (3) times of the UT-i investment amount 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. (a) Unit Trust Cooling-Off right: 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 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 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 Savings Promotion Eligible Customers will enjoy the following promotional interest rate for the following FD tenure as shown in Table (6): Table (6): Promotional Malaysia Ringgit FD FD Tenure Promotional Interest Board Rate* 3-month 4.50% p.a. 2.85% p.a. * For illustration only. The 3-month FD board rate as at 1 March 2013 is used to show the difference between the board rate and the promotional rate for illustration purposes. To find out the latest board rates, please visit Eligible Customers will be eligible for the promotional interest for the 3-month FD if they deposit a minimum sum of RM2500 into the selected CASA as shown in Table (7) below: Table (7): List of selected CASA List of CASA Account (All CASA accounts below are Insured By PIDM) 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 : (a) make a new placement in a 3-month tenured FD account, subject to the minimum placement amount of RM5,000 and maximum placement of twice the amount of CASA placement or RM1,000,000 whichever is lower; and (b) deposit into any one of the selected CASA listed in Table (7) above, subject to the minimum amount of RM2,500. Table (8): Illustrations on the respective placement amounts into FD and CASA FD PLACEMENT RM5,000 RM200,000 RM1,000,000 CASA PLACEMENT RM2,500 RM100,000 RM600,000 (Note: Earmarked Amount (defined below) will be RM500,000 only, which is half the amount of the FD) The minimum FD placement under this Promotion is RM5,000 and maximum placement is RM1million per account If the Eligible Customer does not have any existing OCBC FD Account and/or any of the selected CASA Accounts listed in Table (7) 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 (7) above. Page 5 of 8

6 OCBCShareForMore2Q13/FullT&C/9May2013/Eng/ver 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 half of 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 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 3.4.9(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 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 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 (9): Explanation on earmarking of CASA placement amount DATE FD ACCOUNT FD INTEREST CASA 1 April 2013 Placement of RM20, %p.a. 10 May 2013 No activity 2.85%p.a.** Placement of RM10,000 (Earmarked Amount) Withdrawal of RM100 from Earmarked Amount 20 June 2013 Upliftment/Withdrawal RM0*** Earmark to be released ** For illustration only. The 3-month FD board rate as at 1 March 2013 is used for illustration purposes. To find out the latest board rates, please visit *** Please refer to clause below, no interest will be paid on the FD if there is premature upliftment or withdrawal of FD Before completion of first 3 months of the FD placement The terms and conditions applicable to the respective CASA listed in Table (7) above shall apply also to the sum placed into such CASA for purposes of the Savings Promotion Premier Promotion Eligible Premier Banking Customers (defined below) are eligible to enjoy the following promotional interest rates for the following FD tenure as shown in Table (10) (OCBC FD accounts is Insured By PIDM): FD Tenure Table (10): Promotional Malaysia Ringgit FD Promotional 3-month FD Board Rate* Interest Rate 3-month 5.50% p.a. 2.85% p.a. Number of product holding to determine interest rates 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 1 March 2013 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 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 non-deposit Wealth product as listed in Table (11). The promotional interest rate is in accordance with Table (10) above, namely : if the Eligible Premier Banking Customer purchases/participates in/holds 3 of the products/packages listed in Table (11), then the Eligible Premier Banking Customer is eligible to enjoy the promotional interest rate at 5.50% p.a. for the 3-month FD placement. Table (11): Eligible Products and Packages Products or packages Type of Products 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 Deposit Product (All CASA accounts here are Insured By PIDM) Page 6 of 8

7 OCBCShareForMore2Q13/FullT&C/9May2013/Eng/ver4 8 OCBC Foreign Currency Deposits 9 Unit Trust ( UT ) Products 10 OCBC Bancassurance Products 11 Retail Bonds 12 Negotiable Instruments of Deposits ( NID ) 13 Credit-Linked Investments ( CLI ) 14 Dual Currency Investments ( DCI ) 15 Equity Linked Convertible Investments ( ELCI ) 16 Autocallable Equity Non-Deposit Wealth Product The Premier 3-month FD Promotion is open only to Eligible Premier Banking Customers as defined in clause below 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 To participate in the Premier 3-month FD Promotion, 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 3-month FD Promotion Placement of the FD under this Premier 3-month FD Promotion shall be made concurrently with the application for OCBC Premier Banking membership The minimum Non-Deposit Wealth Product purchase is RM10,000 for Investment product and RM1,800 annual premium for Bancassurance products The minimum FD placement under this Premier 3-month FD Promotion is RM5,000 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 lower. For purposes of this Premier 3-month FD Promotion, 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 This Premier 3-month FD Promotion is limited to one FD placement for each Eligible Premier Banking Customer. 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 / programmes 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/CMGIA-i placements: The funds used for the FD/CMGIA-I and CASA placement under promotion item 3.1 (Share For More Fixed Deposit and Commodity Murabahah General Investment Account-i Promotion), 3.3 (Savings Promotion) and 3.5 (Premier Promotion) 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 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 are as follows: Before completion of first 3 months of the FD/CMGIA-i No interest/profit will be paid placement : Thereafter: 50% of the contracted promotional rate is payable for each completed month for FD/CMGIA-i 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. Page 7 of 8

8 OCBCShareForMore2Q13/FullT&C/9May2013/Eng/ver4 Agreement I/We have read and understood the Terms and Conditions governing the OCBC Share For More 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: Name: I/C No: Date: CIF No: Page 8 of 8

9 OCBCShareForMore2Q13/FullT&C/9May2013/BM/ver4 1. Promosi 1.1. OCBC Bank (Malaysia) Berhad ( OCBC ) dan OCBC Al-Amin Bank Berhad ( OABB ) memperkenalkan Promosi OCBC Share For More ( Promosi ) yang menawarkan kepada Pelanggan Yang Layak (ditakrifkan di bawah) produk-produk berikut, tertakluk kepada terma dan syarat yang terkandung di sini: (a) (b) (c) (d) Produk-produk OCBC Bank (Malaysia) Berhad ( W) ( OCBC ) Jadual produk-produk dalam Promosi Promosi Simpanan Tetap: Kadar faedah promosi bagi Simpanan Tetap ( ST ) 3-bulan dan 12-bulan Promosi Pelaburan: Kadar faedah promosi bagi ST 3- bulan apabila Pelanggan Yang Layak membeli mana-mana atau lebih daripada satu produk Pelaburan OCBC yang terpilih. Savings Promotion: Kadar faedah promosi bagi ST 3- bulan apabila Pelanggan Yang Layak mendepositkan jumlah minimum tertentu ke dalam Akaun Semasa OCBC atau Akaun Simpanan ( ASAS ) terpilih Promosi Simpanan Tetap 3-bulan Premier: Kadar faedah promosi bagi ST 3-bulan Terma dan Syarat Promosi OCBC Share For More ( Promosi ) Produk-produk OCBC Al-Amin Bank Berhad ( T) ( OABB ) Promosi Akaun Pelaburan Am Komoditi Murabahah-i: Kadar keuntungan promosi bagi Akaun Pelaburan Am Komoditi Murabahah-i (APAKM-i) 3-bulan dan 12-bulan. Promosi Pelaburan: Kadar faedah promosi bagi APAKM-i 3-bulan apabila Pelanggan Yang Layak membeli manamana atau lebih daripada satu produk Pelaburan OABB terpilih. Tidak berkaitan Tidak berkaitan NOTA: Semua rujukan terhadap mana-mana nama produk di dalam Terma dan Syarat ini seperti yang dinyatakan di dalam Jadual hendaklah ditafsir dan difahami sebagai produk yang ditawarkan sama ada oleh OCBC atau OABB Promosi ini sah mulai 1 April sehingga 30 Jun 2013 (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. Sila ambil perhatian bahawa 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 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. Promosi Simpanan Tetap dan Akaun Pelaburan AM-i Komoditi Murabahah Share For More (Bagi Akaun Bersama) (Kedua-dua ST dan APAKM-i dijamin Oleh PIDM) Pelanggan Yang Layak akan menikmati kadar faedah promosi berikut bagi tempoh ST yang ditunjukkan dalam Jadual (1) Jadual (1): Promosi ST/APAKM-i Ringgit Malaysia Kadar Tempoh ST/APAKM-i Faedah/Keuntungan Promosi Kadar Lazim* 3-bulan 3.55% setahun 2.85% setahun 12-bulan 3.70% setahun 3.05% setahun * Untuk ilustrasi sahaja. Kadar lazim seperti pada 1 Mac 2013 diguna pakai untuk tujuan ilustrasi bagi menunjukkan perbezaan di antara kadar lazim dan kadar promosi. Bagi mengetahui kadar lazim terkini, layari Kadar lazim berbeza mungkin digunakan untuk permastautin dan bukan permastatutin Kelayakan hanya untuk akaun-akaun ST dan/atau APAKM-i oleh pendeposit bersama Jumlah peletakan minimum ST/APAKM-i di bawah Promosi ini adalah RM5,000, manakala peletakan maksimum pula adalah RM1 juta bagi setiap akaun Ketersediaan Promosi ini adalah tertakluk kepada keseluruhan jumlah peletakan deposit terkumpul sebanyak RM1.5billion. Setelah RM1.5billion dicapai, OCBC dan/atau OABB berhak untuk menamatkan Promosi ini dengan memberi notis terlebih dahulu, tanpa menjejaskan ST dan APAKM-i yang telah pun diletakkan di bawah Promosi ini Promosi Simpanan Tetap dan Akaun Pelaburan AM-i Komoditi Murabahah Solo (Kedua-dua ST dan APAKM-i dijamin Oleh PIDM) Pelanggan Yang Layak akan menikmati kadar faedah promosi bagi tempoh ST yang ditunjukkan dalam Jadual (2). Page 1 of 8

10 OCBCShareForMore2Q13/FullT&C/9May2013/BM/ver4 Jadual (2): Promosi ST/APAKM-i Ringgit Malaysia Kadar Tempoh ST/APAKM-i Faedah/Keuntungan Promosi Kadar Lazim* 3-bulan 3.40% setahun 2.85% setahun 12-bulan 3.40% setahun 3.05% setahun * Untuk ilustrasi sahaja. Kadar lazim seperti pada 1 Mac 2013 diguna pakai untuk tujuan ilustrasi bagi menunjukkan perbezaan di antara kadar lazim dan kadar promosi. Bagi mengetahui kadar lazim terkini, layari Kadar lazim berbeza mungkin digunakan untuk permastautin dan bukan permastatutin Jumlah peletakan minimum ST/APAKM-i di bawah Promosi ini adalah RM5,000, manakala peletakan maksimum pula adalah RM1 juta bagi setiap akaun Promosi Pelaburan Kadar faedah promosi ST 3-bulan dan kadar keuntungan APAKM-i akan digunakan apabila Pelanggan Yang Layak membeli manamana satu produk Pelaburan OCBC/OABB terpilih (kedua-dua ST dan APAKM-i adalah dijamin oleh PIDM) Sentiasa tertakluk kepada provisos dalam klausa dan di bawah : (a) (b) 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 tersenarai dalam Jadual (4a) di bawah; dan 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 tersenarai dalam Jadual (4b) di bawah; Jadual (3): Kadar Promosi ST/APAKM-i Ringgit Malaysia 3-bulan Tempoh ST/APAKM-i Kadar Faedah/Keuntungan Promosi** Kadar Lazim* 3-bulan 4.00% setahun 2.85% setahun * Untuk ilustrasi sahaja. Kadar lazim dan diisytiharkan untuk ST/APAKM-i 3-bulan seperti pada 1 Mac 2013 diguna pakai untuk tujuan ilustrasi bagi menunjukkan perbezaan di antara kadar lazim dan kadar promosi. Bagi mengetahui kadar lazim terkini, layari Jadual (4a): Produk dan Pakej yang Layak yang ditawarkan atau diedarkan oleh OCBC untuk Promosi Pelaburan ST 3-bulan Senarai Produk dan Pakej yang dibeli 1 OCBC Stabiliser^ 2 OCBC ARIP-i^ OCBC ARIP-i ialah produk OCBC Al-Amin Bank Berhad 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 OSK-UOB GLOBAL EQUITY YIELD FUND AMCOMMODITIES EQUITY OSK-UOB GROWTH AND INCOME FOCUS TRUST AMGLOBAL AGRIBUSINESS FUND OSK-UOB KIDSAVE TRUST CIMB PRINCIPAL STRATEGIC BOND FUND OSK-UOB KLCI TRACKER FUND CIMB ISLAMIC ENHANCED SUKUK FUND (FORMER DANA WAFIQ) OSK-UOB SMALLCAP OPPORTUNITY UNIT TRUST CIMB ISLAMIC EQUITY AGGRESSIVE FUND (FORMER DANA MUBARAK) OSK-UOB SMART BALANCED FUND CIMB MENA EQUITY FUND OSK-UOB SMART INCOME FUND CIMB PRINCIPAL EQUITY GROWTH & INCOME FUND OSK-UOB SMART TREASURE FUND CIMB-PRINCIPAL EQUITY FUND (FORMER PREMIUM CAPITAL) PACIFIC ASIA BRANDS FUND CIMB-PRINCIPAL BALANCED FUND PACIFIC ASIAPAC INCOME FUND CIMB-PRINCIPAL BOND FUND PACIFIC DANA AMAN CIMB-PRINCIPAL EQUITY AGGRESSIVE FUND 3 (FORMER FUTURE GOALS) PACIFIC DANA DIVIDEN CIMB-PRINCIPAL GLOBAL TITANS FUND PACIFIC DANA MURNI CIMB-PRINCIPAL INCOME PLUS BALANCED FUND PACIFIC DIVIDEND FUND CIMB-PRINCIPAL KLCI-LINKED FUND 2 (FORMER COMPOSITE INDEX) PACIFIC ELIT DANA AMAN CIMB-PRINCIPLE SMALL CAP FUND (FORMER HIDDEN TREASURES) PACIFIC ELIT DANA DIVIDEN GLOBAL FORTUNE FUND PACIFIC ELIT ISLAMIC ASIAPAC BALANCED FUND HONG LEONG BALANCED FUND PACIFIC ELITE ASIA DIVIDEND FUND HONG LEONG BLUE CHIP FUND PACIFIC ELITE CHINA GROWTH FUND HONG LEONG BOND-ORDINARY PLAN PACIFIC ELITE DIVIDEND FUND HONG LEONG DANA MAA'ROF PACIFIC ELITE EMERGING MARKETS FUND Page 2 of 8

11 OCBCShareForMore2Q13/FullT&C/9May2013/BM/ver4 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 HWANGGLOBAL EMERGING MARKETS HWANG GLOBAL PROPERTY FUND HWANG SELECT INCOME FUND HWANG SELECT OPPORTUNITY FUND OSK-UOB ASIA PACIFIC FUND OSK-UOB DANA ISLAM OSK-UOB EMERGING OPPORTUNITY UNIT TRUST OSK-UOB EQUITY TRUST OSK-UOB GLOBAL CAPITAL FUND AMASEAN EQUITY FUND HWANG SGD INCOME FUND AM TACTICAL BOND FUND OSK-UOB MULTI ASSET REGULAR INCOME FUND CIMB PRINCIPAL GREATER CHINA EQUITY FUND OSK-UOB FOCUS BOND FUND SERIES 7 AMASIA PACIFIC REITS 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 OSK-UOB ASIAN INCOME FUND TA TOTAL RETURN FUND HWANG SELECT ASIA (EX JAPAN) OPPORTUNITY FUND OSK-UOB FOCUS BOND FUND AMASIA PACIFIC EQUITY INCOME AMGLOBAL PROPERTY EQUITIES FUND AMINCOME FLEXI 3 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% 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 1 Bon Runcit Matawang Asing 2 Pelaburan Berkaitan Kredit 3 Instrumen Deposit Boleh Niaga Kadar Terapung ( FRNID ) 4 Kumulatif Faedah Boleh Panggil Jadual (4b): Produk dan Pakej yang Layak yang ditawarkan atau diedarkan oleh OABB untuk Promosi Pelaburan ke atas promosi APAKM-i 3-bulan Senarai Produk atau Pakej yang dibeli OCBC ARIP-i^ Produk Unit Amanah Saham-i ( UAS-i ) Dana UAS-i yang layak ( Dana-i ): Page 3 of 8

12 OCBCShareForMore2Q13/FullT&C/9May2013/BM/ver4 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 (sebelumnya AIIMAN Balanced) HWANG AIIMAN GROWTH FUND (sebelumnya 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 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 cajcaj 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 Stabiliser, akaun simpanan OCBC Arip-i dan akaun simpanan OCBC Starter adalah dijamin oleh PIDM Pelanggan Yang Layak boleh menikmati kadar faedah promosi ST 3-bulan seperti yang dinyatakan dalam Jadual (3) selaras dengan Klausa di atas asalkan pada setiap masa: (a) Pelanggan Yang Layak membeli atau menyertai dalam mana-mana produk yang tersenarai dalam Ruang A Jadual (5a) haruslah berada dalam lingkungan jumlah pelaburan yang disenaraikan dalam Ruang B Jadual (5a); dan (b) Jumlah peletakan Pelanggan Yang Layak dalam promosi ST 3-bulan haruslah tidak melebihi had yang dinyatakan dalam Ruang C Jadual (5a). OCBC Stabiliser Ruang A Senarai Produk Ajer Regular Investment-i (ARIP-i) OCBC Starter Invest (berdasarkan jumlah permulaan UAS) Produk-produk Unit Amanah Saham (pelaburan sekaligus) Kumulatif Faedah Boleh Panggil Instrumen Deposit Boleh Niaga Pelaburan Berstruktur ( SI ) Jadual (5a) Ruang B Jumlah Pelaburan RM50,000 sehingga RM500,000 dan ke atas RM50,000 sehingga RM500,000 dan ke atas RM50,000 sehingga RM500,000 dan ke atas RM50,000 sehingga RM500,000 dan ke atas RM70,000 sehingga RM500,000 dan ke atas RM250,000 sehingga Ruang C Jumlah Peletakan Maksimum ST Mestilah tidak melebihi satu (1) kali jumlah pelaburan UAS Mestilah tidak melebihi tiga (3) kali jumlah pelaburan UAS Mestilah tidak melebihi satu (1) kali jumlah pelaburan UAS Mestilah tidak melebihi tiga (3) kali jumlah pelaburan UAS Mestilah tidak melebihi satu (1) kali jumlah pelaburan UAS Mestilah tidak melebihi tiga (3) kali jumlah pelaburan UAS Mestilah tidak melebihi satu (1) kali jumlah pelaburan UAS Mestilah tidak melebihi tiga (3) kali jumlah pelaburan UAS Mestilah tidak melebihi satu (1) kali jumlah pelaburan NID Mestilah tidak melebihi tiga (3) kali jumlah pelaburan NID Mestilah tidak melebihi satu (1) kali jumlah pelaburan SI Page 4 of 8

13 OCBCShareForMore2Q13/FullT&C/9May2013/BM/ver4 Bon Runcit RM500,000 dan ke atas RM250,000 sehingga RM500,000 dan ke atas Mestilah tidak melebihi tiga (3) kali jumlah pelaburan SI Mestilah tidak melebihi satu (1) kali jumlah pelaburan Bon Runcit Mestilah tidak melebihi tiga (3) kali jumlah pelaburan Bon Runcit Pelanggan Yang Layak boleh menikmati kadar keuntungan promosi APAKM-i 3-bulan seperti yang dinyatakan dalam Jadual (3) selaras dengan Klausa di atas asalkan pada setiap masa: (a) Pelanggan Yang Layak membeli atau menyertai dalam mana-mana produk yang tersenarai dalam Ruang A Jadual (5b) melebihi jumlah pelaburan yang disenaraikan dalam Ruang B Jadual (5b); dan (b) Jumlah peletakan Pelanggan Yang Layak dalam promosi APAKM-i 3-bulan haruslah tidak melebihi had yang dinyatakan di dalam Ruang C Jadual (5b). Jadual (5b) Ruang A: Senarai Produk Ruang B: Jumlah Pelaburan Ruang C: Jumlah Peletakan Maksimum APAKM-i RM50,000 sehingga Mestilah tidak melebihi satu (1) kali jumlah Ajer Regular Investment-i (ARIP-i) pelaburan UAS-i RM500,000 dan ke atas Mestilah tidak melebihi tiga (3) kali jumlah pelaburan UAS-i RM50,000 sehingga Mestilah tidak melebihi satu (1) kali jumlah OCBC Starter Invest (berdasarkan jumlah permulaan pelaburan UAS-i UAS-i) RM500,000 dan ke atas Mestilah tidak melebihi tiga (3) kali jumlah pelaburan UAS-i Mestilah tidak melebihi satu (1) kali jumlah Produk-produk Unit Amanah Saham-i (pelaburan RM50,000 dan ke atas pelaburan UAS-i sekaligus) RM500,000 dan ke atas Mestilah tidak melebihi tiga (3) kali jumlah pelaburan UAS-i Mana-mana pembelian atau penyertaan dalam mana-mana produk 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 OCBC /OABB Sekiranya pelaburan dalam salah satu daripada produk terpilih dibatalkan semasa dalam tempoh cooling-off masing-masing, Pelanggan Yang Layak tidak boleh menikmati kadar faedah promosi ST/kadar keuntungan promosi APAKM-i 3-bulan. Kadar lazim semasa (iaitu seperti pada tarikh peletakan ST/APAKM-i) akan diguna pakai bermula dari tarikh peletakan ST/APAKM-i. (a) Hak Cooling-Off Unit Amanah Saham: a.1. Hak cooling-off hanya boleh diguna pakai sekali sahaja untuk mana-mana pelanggan 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 a.2. Jika pelaburan UAS/UAS-i telah melalui tempoh cooling- off, Pelanggan akan menerima kembali jumlah pelaburan UAS/UAS-i dan caj perkhidmatan UAS/UAS-i yang telah dibayar a.3. Tempoh cooling-off ialah selama enam (6) hari bekerja bermula dari tarikh penerimaan permohonan oleh OCBC /OABB Promosi Savings Pelanggan Yang Layak akan menikmati kadar faedah promosi berikut bagi tempoh ST yang dinyatakan dalam Jadual (6): Jadual (6): Promosi ST Ringgit Malaysia Tempoh ST Kadar Faedah Promosi Kadar Lazim* 3-bulan 4.50% setahun 2.85% setahun * Untuk ilustrasi sahaja. Kadar lazim ST 3-bulan seperti pada 1 Mac 2013 diguna pakai untuk tujuan ilustrasi bagi menunjukkan perbezaan di antara kadar lazim dan kadar promosi. Bagi mengetahui kadar lazim terkini, layari Pelanggan Yang Layak akan menikmati kadar faedah promosi ST 3-bulan sekiranya mereka mendepositkan jumlah minimum RM2,500 ke dalam akaun ASAS terpilih yang ditunjukkan dalam Jadual (7) di bawah: Jadual (7): Senarai ASAS terpilih Senarai Akaun ASAS (Kesemua Akaun ASAS dibawah adalah dijamin oleh PIDM) 1 Akaun Simpanan OCBC Easi-Save 2 Akaun Simpanan OCBC Easi-Save Plus 3 Akaun Simpanan OCBC Young Savers 4 Akaun Simpanan OCBC MoneyMax 5 Akaun OCBC Esteem 6 Akaun Semasa OCBC 7 Akaun Premier OCBC 8 Akaun OCBC SmartSavers Page 5 of 8

14 OCBCShareForMore2Q13/FullT&C/9May2013/BM/ver4 9 Akaun OCBC SmartSavers Junior 10 Akaun OCBC Premier Save Gold Untuk menyertai Promosi Savings ini, Pelanggan Yang Layak hendaklah, pada hari bekerja yang sama dalam Tempoh Promosi: (a) membuat peletakan baru untuk akaun ST bertempoh 3-bulan, tertakluk kepada jumlah peletakan minimum sebanyak RM5,000 dan peletakan maksimum dua kali ganda jumlah ASAS atau RM1,000,000, mana yang lebih rendah; dan (b) membuat deposit ke dalam mana-mana akaun ASAS terpilih dalam Jadual (7) di atas, tertakluk kepada jumlah minimum RM2,500. Jadual (8): Ilustrasi jumlah peletakan dalam akaun ST dan ASAS PELETAKAN ST RM5,000 RM200,000 PELETAKAN ASAS RM2,500 RM100,000 RM600,000 RM1,000,000 (Nota: Jumlah Diketepikan (ditakrifkan di bawah) hanyalah RM500,000, iaitu separuh daripada jumlah peletakan ST) Jumlah peletakan minimum ST di bawah Promosi ini adalah RM5,000, manakala peletakan maksimum pula adalah RM1 juta bagi setiap akaun Sekiranya Pelanggan Yang Layak tidak memiliki mana-mana Akaun ST OCBC sedia ada dan/atau mana-mana Akaun ASAS terpilih yang disenaraikan dalam Jadual (7) di atas, Pelanggan Yang Layak haruslah membuka akaun(-akaun) tersebut dalam Tempoh Promosi terlebih dahulu bagi menyertai Promosi ini. Jumlah minimum bagi pembukaan akaun akan diguna pakai untuk pembukaan ASAS seperti yang tersenarai dalam Jadual (7) di atas Peletakan ST di bawah Promosi ini perlu dibuat serentak dengan peletakan deposit Akaun ASAS terpilih Jumlah yang didepositkan ke dalam ASAS untuk menyertai Promosi ini, iaitu jumlah separuh daripada peletakan ST, akan diketepikan untuk 3-bulan ( Jumlah Diketepikan ) bermula dari tarikh deposit dan peletakan (serentak). Sekiranya keseluruhan atau sebahagian Jumlah Diketepikan dikeluarkan dari ASAS sebelum tempoh matang ST 3-bulan, klausa akan diguna pakai. Pengetepian tersebut akan tamat diguna pakai secara automatik selepas tempoh matang ST 3-bulan, atau selepas pengeluaran peletakan ST di bawah klausa 3.4.9(b), mana yang lebih awal Untuk Akaun Semasa, Pelanggan Yang Layak perlu pastikan bahawa semua cek dan pengeluaran dilindungi secukupnya oleh dana yang tidak diketepikan. Cek(-cek) berlebihan yang dikeluarkan daripada dana tidak diketepikan dalam Akaun Semasa akan dikembalikan kepada anda atas sebab ketidakcukupan dana 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 klausa di bawah akan diguna pakai. (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 klausa di bawah akan diguna pakai dan tiada faedah ST akan dibayar Kadar faedah promosi peletakan ST akan tamat diguna pakai 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 diguna pakai ke atas peletakan ST. Jadual (9): Penjelasan untuk jumlah peletakan ASAS yang diketepikan TARIKH AKAUN ST FAEDAH ST ASAS 1 April 2013 Peletakan RM20, % setahun 10 Mei 2013 Tiada Aktiviti 2.85% setahun** Peletakan RM10,000 (Jumlah Diketepikan) Pengeluaran RM100 daripada Jumlah Diketepikan 20 Jun 2013 Penarikan diri/pengeluaran RM0*** Jumlah Diketepikan akan dibebaskan * Untuk ilustrasi sahaja. Kadar lazim ST 3-bulan seperti pada 1 Mac 2013 diguna pakai untuk tujuan ilustrasi. Bagi mengetahui kadar lazim terkini, layari *** Sila rujuk kepada klausa di bawah, tiada faedah akan dibayar ke atas ST sekiranya belaku penarikan diri atau pengeluaran pramatang sebelum tamat tempoh peletakan 3-bulan pertama ST Terma dan syarat yang diguna pakai untuk ASAS seperti yang tersenarai di dalam jadual (7) di atas juga akan diguna pakai ke atas jumlah peletakan ASAS bagi tujuan Promosi Savings. Page 6 of 8