CIMB Bank Berhad (13491-P) CIMB Islamic Bank Berhad (671380-H)

TERMS AND CONDITIONS

“CIMB 4.7% FD/FRIA-i Bundle with CASA/-i” Campaign

1. The “CIMB 4.7% FD/FRIA-i Bundle with CASA/-i” Campaign (“Campaign”) is organised by CIMB
Bank Berhad (“CIMB Bank”) and CIMB Islamic Bank Berhad (“CIMB Islamic Bank”). Every
mention of “CIMB” refers to both CIMB Bank Berhad (13491-P) and CIMB Islamic Bank Berhad
(671380-H).

Campaign Period

2. The Campaign shall run from 1 July 2019 to 30 September 2019, both dates inclusive
(“Campaign Period”) or to the date upon CIMB Bank and CIMB Islamic Bank collectively
receives the total FD/FRIA-i placement of RM2,000,000,000 during the Campaign Period,
whichever is earlier (“Validity Period”).

3. This Campaign is available at all CIMB Bank and CIMB Islamic Bank branches (“Branches”) in
Malaysia. CIMB Islamic Bank branches are co-located at CIMB Bank branches nationwide.

4. CIMB reserves the right to change the duration and/or the commencement and/or expiry dates
of the Campaign Period by giving fourteen (14) calendar days’ prior notice.

Eligibility

5. Subject to the terms and conditions herein, the Campaign is open to all new and existing CIMB
customer with any CIMB Bank and CIMB Islamic Bank Current Account/-i and Savings Account/-
i (excluding Junior Savers Account/-i, Youth Savers Account/-i, Flexi Current Account, Special
Mudharabah Investment Account-i, Money Multiplier Account, Foreign Currency Current
Account/-i, Private Banking Current Account/-i and High Yield Current Account/-i)
(“CASA/CASA-i”) including non-residents, permanent, temporary or contact employees of
CIMB (hereinafter referred to as “Eligible Participant(s)”).

6. For the avoidance of doubt and subject to Clause 5, the following persons/entities shall NOT
be eligible to participate in this Campaign:
a) Sole-proprietorships, Partnerships, Charitable/Non-profit Organisations/Societies, Public
Companies, Private Limited Companies, Clubs, Association and Co-operatives; and/or
b) Individuals below the age of 18 years; and/or
c) Selected customers who have been offered to participate in other CIMB campaign(s).

7. In relation to Joint Participating Accounts, only the first named account holder i.e. the primary
account holder shall be eligible to participate in the Campaign (“Primary Accountholder”). For
the purpose of this Campaign, joint accountholder(s) other than the Primary Accountholder
will not be eligible to participate in this Campaign.

8. Permanent, temporary or contract employees of CIMB are eligible to participate in the

Campaign under CIMB non-salary Current Account/Current Account-i or Savings
Account/Savings Account-i.

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 CIMB Bank Berhad (13491-P) CIMB Islamic Bank Berhad (671380-H)

Campaign Mechanics

9. The Campaign involves giving Eligible Participant(s) Special Rates for FD/FRIA-i (“Special
Rates”) arising from the deposit of Fresh Fund by Eligible Participant(s) during the Validity
Period in either their:
a) Current Account or Savings Account (“CASA”) and Fixed Deposit (“FD”); or
b) Current Account-i or Savings Account-i (“CASA-i”) and Fixed Return Income Account-i
(“FRIA-i”)

10. To participate in this Campaign and be entitled to the FD or FRIA-i Special Rates as defined in
Clause 14, the Eligible Participant(s) must fulfil the following criteria (“Qualifying Criteria”):
a) Deposit the minimum amount indicated in Clause 14 into the CASA/CASA-i (“Participating
Account(s)”) in one transaction; AND
b) Maintain the deposited amount as per Clause 14 in the Participating Account(s) for three
(3) months commencing from the date of deposit placement (“the Earmarking”); AND
c) The placement of the deposit into the Participating Account(s) and FD/FRIA-i shall comprise
solely of Fresh Funds deposited with CIMB; AND
d) The minimum earmark placement for CASA/CASA-i is RM10,000 and the minimum
FD/FRIA-i placement is RM10,000; AND
e) Not exceeding the maximum capping amount of RM500,000 set for FD/FRIA-i Fresh Fund
placement per Eligible Participant throughout the Campaign Period

11. The term “Fresh Funds” referred to herein shall be defined to mean monies or funds not
originating from CIMB, but transferred, credited or paid into the Participating Account and
FD/FRIA-i of the Eligible Participant(s) from other bank(s) and/or financial institutions(s)
through whatsoever means including but not limited to:
a) Placement of Cash; and/or
b) Interbank Giro Transfers (IBG) / Instant Funds Transfer (IBFT); and/or
c) Telegraphic Transfer / Real Time Electronic Transfer of Funds and Securities (RENTAS);
and/or
d) Local cheque / banker’s cheque.

and the monies or funds transferred, paid or credited into the Participating Account(s) and
FD/FRIA-i of the Eligible Participant(s) are deemed to be duly deposited by the Eligible
Participant(s) for purpose of this Campaign pursuant to the Terms and Conditions herein
provided that such monies or funds are transferred, paid or credited into the Participating
Account(s) and FD/FRIA-i of the Eligible Participant(s) directly or indirectly from other bank(s)
and/or financial institutions(s) within three (3) business days.

12. The following shall NOT be classified as “Fresh Funds”:

a) Maturing FD/FRIA-i or premature withdrawal of any existing FD/FRIA-i; and/or
b) Intra bank transfer of funds, i.e transfer of funds from another CIMB’s Participating
Accounts, FD/FRIA-i or Term Investment (“TIA-i”); and/or
c) Inter-branch transfer within CIMB including third (3rd) party transfer.

13. The Eligible Participant(s) hereby agrees and authorises CIMB to withhold and/or suspend
payment of any monies from the credit balance of the Participating Account and prevent any
withdrawals of the Earmarking amount deposited in the Participating Account for a period of
three (3) months commencing from the date of deposit.

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CIMB Bank Berhad (13491-P) CIMB Islamic Bank Berhad (671380-H)

FD/FRIA-i Special Rates Offer

14. Subject to the Terms and Conditions herein, the Eligible Participant(s) shall be entitled to make
deposit placements amount for FD/FRIA-i in the manner as set out in the table below to enjoy
the Special Rates for the FD/FRIA-i provided that the requirements stated in Clause 10 are duly
complied with:

CASA/CASA-i CASA/CASA-i Maximum

FD/FRIA-i FD/FRIA-i Effective
Deposit Earmark FD/FRIA-i
Tenure Special Rates Rate*
Percentage Period Percentage
3.53% p.a. to
25% 3 months 75% 3 months 4.70% p.a.
4.28% p.a.
*The Effective Rate varies according to the FD/FRIA-i Placement Amount, CASA/CASA-i Placement
Amount and type of CASA/CASA-i. Should there be changes to CASA/CASA-i rate during the earmark
period, the Effective Rate may be varied.

Example 1:
Customer A earmarks a fresh funds of RM10,000 into his CASA/CASA-i. As such, Customer A
can place a maximum fresh fund of RM30,000 for his Special Rates FD/FRIA-i placement.

Example 2:
Customer B earmarks a fresh funds of RM150,000 into his CASA/CASA-i. As such, Customer B
can place a maximum fresh fund of RM450,000 for his Special Rates FD/FRIA-i placement.

Example 3:
Customer C earmarks a fresh funds of RM200,000 into their CASA/CASA-i. As such, Customer C
can only place a maximum fresh fund of RM500,000 for his Special Rates FD/FRIA-i placement
as the maximum capping for FD/FRIA-i placement is RM500,000 as per Clause 10.

Example 4:
Customer D earmarks a fresh funds of RM10,000 into her Basic Savings Account (interest rate:
0.25%p.a.) and place a maximum fresh fund of RM30,000 for his Special Rates FD placement.
The effective rate is 3.59%p.a.

If the Eligible Participant(s) fails to comply with the requirements stated in Clause 10 after the
placement of the FD/FRIA-i (including but not limited to the requirement to maintain the
Earmarking), the Eligible Participant(s) shall not be entitled to earn the Special Rates on the
FD/FRIA-i and CIMB will uplift the FD/FRIA-i placement.

15. Eligible participant(s) cannot split their Fresh Funds into multiple FD/FRIA-i placements and the
maximum FD/FRIA-i placement is 75% to the 25% earmark placement ratio referred to in Clause
14.

16. The “Special Rates” are applicable for FD/FRIA-i placement of one (1) cycle only.

17. Interest/Profit will be paid out upon completion of the FD/FRIA-i Tenure by crediting the same
into the Eligible Participant’s account or add on to principal FD/FRIA-i.

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CIMB Bank Berhad (13491-P) CIMB Islamic Bank Berhad (671380-H)

18. In the event the Eligible Participant(s) would like to withdraw the FD/FRIA-i before maturity, a
complete withdrawal of the balance in the FD/FRIA-i must be performed. Partial withdrawal of
the FD/FRIA-i before maturity is not allowed.

19. Renewal: Upon maturity of the FD/FRIA-i Tenure, the “Special Rates” will cease to apply and
the Eligible Participant(s) hereby agrees and authorises CIMB to automatically renew or roll
over the principal FD/FRIA-i amount at the same FD/FRIA-i Tenure subject to the prevailing
CIMB board rate applicable at the time of renewal or roll over.

20. Early and/or Part Withdrawal of FD/FRIA-i: In the event that the Eligible Participant(s)
withdraws or uplifts the FD/FRIA-i before the completion of the FD/FRIA-i Tenure, the Eligible
Participant(s) shall not be entitled to earn any interest/profit whatsoever.

General Terms and Conditions

20. By participating in this Campaign, the Eligible Participants are deemed to have read,
understood and agreed to be bound by these Terms and Conditions as well as consented to
CIMB processing and disclosing their personal data in accordance with the CIMB Group Privacy
Notice which can be found at www.cimbbank.com.my and www.cimbislamic.com and agree
that all decisions fairly and reasonably made by CIMB in relation to every aspect of this
Campaign, including the Special Rates to be given away and the determination of the Eligible
Participants, shall be final, binding and conclusive.

21. The Eligible Participants’ CASA/CASA-i and FD/FRIA-i (i) MUST not be in breach of the terms
and conditions governing the CASA/CASA-i and FD/FRIA-i AND (ii) MUST not be terminated or
closed or be made subject to any attachment, adverse orders made by the Court or any
authorities sanctioned by laws, delinquent, and/ or be invalid or cancelled as determined by
CIMB during the Campaign Period and/or before the crediting of the Special Rates, otherwise
the Eligible Participant(s) will be disqualified from participating in this Campaign and/or the
Special Rates will be forfeited.

22. CIMB reserves the right at its sole discretion to disqualify any Eligible Participant(s) that it
determines to be tampering with the participating process, or to be acting in breach or
potential breach of these Terms and Conditions.

23. CIMB reserves the right to substitute the Special Rates with other item(s) of similar cost and/or
to extend, shorten, discontinue, cancel, terminate or suspend this Campaign by giving fourteen
(14) calendar days’ prior notice to the Eligible Participant(s). For the avoidance of doubt, any
extension, shortening, discontinuance, cancellation, termination or suspension of this
Campaign by CIMB shall not entitle any of the Eligible Participant(s) or any other persons
whosoever to any claim or compensation against CIMB for any losses or damages suffered or
incurred by the Eligible Participant(s) as a direct or indirect result of the act of extension,
shortening, discontinuance, cancellation, termination or suspension of this Campaign.

24. By participating in this Campaign, the Eligible Participant(s) hereby agree that CIMB shall not in
any manner whatsoever be liable or held responsible to the Eligible Participant(s) if CIMB is
unable to perform in whole or in part of any of its obligations herein, attributable directly or
indirectly to the failure of any mechanical or electronic device, data processing system,
transmission line, electrical failure, industrial dispute, war, strike, riot, any act of God beyond
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CIMB Bank Berhad (13491-P) CIMB Islamic Bank Berhad (671380-H)

CIMB's control or due to any factor in a nature of a force majeure which is beyond CIMB’s
reasonable control.

25. CIMB shall not be liable to any Eligible Participant(s) or any party for any loss or damage of
whatsoever nature suffered (including but not limited to, loss of income, profits or goodwill,
direct or indirect, incidental, consequential, exemplary, punitive or special damages of any
party) howsoever arising, in relation to the participation or non-participation in this Campaign
including arising from any non-receipt or delayed receipt by the Eligible Participant(s) of the
Short Message Service (“SMS”) unless the same shall arise from and are caused directly by
CIMB’s gross negligence or wilful default.

26. CIMB reserves the right upon giving prior notice of twenty one (21) calendar days to vary
(whether by addition, deletion, modification, amendment or otherwise howsoever)
(“Amendment”) any of the Terms and Conditions herein. Notification to Eligible Participant(s)
in respect of the Amendment shall be effected at CIMB’s absolute discretion through any one
of the following means of communication, namely, via electronic communication display at
CIMB’s website and CIMB’s branches or CIMB Bank’s Currency Exchange counters where
detail provisions regarding the Amendment may be provided in the notice itself or may be
provided to the Eligible Participant(s) upon request or by effecting an advertisement regarding
the Amendment in one newspaper of CIMB’s choice or by any other means of notification
which CIMB may select and the Amendment shall be deemed as binding on the Eligible
Participant(s) as from the date of notification of the Amendment or from such other date as
may be specified by CIMB in the notification. Eligible Participant(s) acknowledge and agree to
access CIMB’s website at regular intervals to view the terms and conditions of the Campaign
and to ensure that they are kept up-to date with any changes or variations to these Terms and
Conditions.

27. No compensation in cash or any kind shall be given to the Eligible Participant(s) for any losses
or damages suffered or incurred by the Eligible Participant(s) as a direct or an indirect result
of such amendment, variation, deletion, addition or alteration of the Terms and Conditions
herein.

28. These Terms and Conditions (as amended from time to time pursuant to Clause 26) shall prevail
over any provisions or representations contained in any other promotional materials
advertising this Campaign. These Terms and Conditions are to be read in conjunction with the
prevailing terms and conditions of the CASA/CASA-i and FD/FRIA-i which shall apply in addition
to the Terms and Conditions herein.

29. These Terms and Conditions shall be subject to the application of any prevailing laws,
guidelines, directives, notices, regulations enacted and/or any other written laws or which are
issued by Bank Negara Malaysia or any other body having supervisory authority over CIMB in
relation to or which are applicable to the Campaign or any matters herein.

30. If there is any inconsistency (ies), conflict(s), ambiguity (ies) or discrepancy (ies) between the
Bahasa Malaysia and English version of these Terms and Conditions herein, the English version
of these Terms and Conditions shall prevail. Notwithstanding the aforementioned, where a
request had been made by the Eligible Participant(s) and noted and acknowledged by CIMB in
its records that the Bahasa Malaysia version of the Terms and Conditions of the CASA/CASA-i
and FD/FRIA-i has been selected by the Eligible Participant(s) to govern the operation of the

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CIMB Bank Berhad (13491-P) CIMB Islamic Bank Berhad (671380-H)

Eligible Participant(s)’ use of CASA/CASA-i and FD/FRIA-i, then the Bahasa Malaysia version of
these Terms and Conditions shall prevail.

31. For feedbacks and/or complaints related to this Campaign, the Eligible Participant(s) may
contact CIMB’s Customer Resolution Unit bearing the following address, telephone and
facsimile numbers (or bearing such other address, telephone and facsimile numbers which
CIMB may change by notification to the Eligible Participant(s)): Customer Resolution Unit, P.O.
Box 10338, GPO Kuala Lumpur, 50710 Kuala Lumpur Tel: +603 6204 7788 / CRU@cimb.com.

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