4Q2013 General Promo TNC ENG 11sep2013 v1 PDF

MegaSave4Q13/FullT&C/11Sep2013/Eng/ver1
OCBC Mega Save 2 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 Mega Save 2 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 by OCBC Bank (Malaysia) Berhad (295400-W)
Products by OCBC Al-Amin Bank Berhad (818444-T)
(OCBC)
(OABB)
(a)
Save Together Deposit Deal: promotional 13-month Fixed

Deposits (FD) interest rates.
Save Together Deposit Deal: promotional 13-month

Commodity Murabahah General Investment Account-i
(CMGIA-i) Promotion rates
(b)
Save Solo Deposit Deal: promotional 12-month Fixed

Deposits (FD) interest rates.
Save Solo Deposit Deal: promotional 12-month Commodity

Murabahah General Investment Account-i (CMGIA-i)
Promotion rates
(c)
Investments 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.
(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)
Premier Bank Deal: promotional 3-month FD interest rate

when Eligible customer sign up as new Premier Banking
Customer.
Not applicable
(f)
Foreign Currency Time Deposit Promotion: promotional

1-month Foreign Currency Time Deposit (FCY TD) interest
rate.
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.
1.2.
1.3.
The Promotion shall be valid from 11 September 2013 until 31 October 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-residents 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 OCBCs and OABBs 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.
Save Together Deal (For Joint Accounts) (both FD and CMGIA-i are insured By PIDM
3.1.1. Eligible Customers will enjoy the following promotional interest/profit rate for the following FD/CMGIA-i tenures as shown in
Table (1).
Table (1): Promotional Malaysia Ringgit FD/CMGIA-i
FD/CMGIA-i Tenure
Promotional Interest/Profit Rate
Board Rate*
13-month
3.55% p.a.
3.10% p.a.
* For illustration only. The board and declared rates as at 1 September 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 www.ocbc.com.my.
3.1.2. Eligible only for FD and/or CMGIA-i accounts by joint depositors.
3.1.3. The minimum FD/CMGIA-i placement under this Promotion is RM10,000 and maximum placement is RM500,000 per account.
3.1.4. This Promotions availability is subject to overall accumulated deposit placement amount of RM2.5 billion. Once the RM2.5
billion mark is reached, OCBC and/or OABB reserves the right to discontinue this Promotion with prior notice, without affecting
the FDs and CMGIA-is that have already been placed under this Promotion.
Page 1 of 9
3.2.
Save Solo Deal (both FD and CMGIA-i are insured By PIDM)

3.2.1.
Eligible Customers will enjoy the following promotional interest/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
Board Rate*
3.30% p.a.
12-month
3.2.2.
3.3.
3.05% p.a.
The minimum FD/CMGIA-i placement under this Promotion is RM10,000 and maximum placement is RM1 million per account.
Investment Deals (both 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 (4a) 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 (4b) below.
(c)
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 (4c) below.
Tenure
Table (3): Promotional 3-month Malaysia Ringgit FD/CMGIA-i

Board Rate*
4.00% p.a.
3-month FD/CMGIA-i
2.85% p.a.
Table (4a): Eligible Products and Packages offered or distributed by OCBC for Investment Deals on Promotional 3-month FD
Listed Products or packages purchased
1
OCBC Stabiliser^
OCBC ARIP-i^
OCBC ARIP-i is a product of OCBC Al-Amin Bank Berhad distributed by OCBC Bank.
OCBC Starter Invest^
Unit Trust (UT) Products

Eligible unit trust funds(Funds):
Page 2 of 9
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

CIMB ISLAMIC ENHANCED SUKUK FUND (FORMER
DANA WAFIQ)
CIMB ISLAMIC EQUITY AGGRESSIVE FUND (FORMER
DANA MUBARAK)
OSK-UOB KLCI TRACKER FUND
CIMB MENA EQUITY FUND
OSK-UOB SMART INCOME FUND
CIMB PRINCIPAL EQUITY GROWTH & INCOME FUND

CIMB-PRINCIPAL EQUITY FUND (FORMER PREMIUM
CAPITAL)
OSK-UOB SMART TREASURE FUND
CIMB-PRINCIPAL BALANCED FUND
PACIFIC ASIAPAC INCOME FUND
CIMB-PRINCIPAL BOND FUND

CIMB-PRINCIPAL EQUITY AGGRESSIVE FUND 3
(FORMER FUTURE GOALS)
PACIFIC DANA AMAN
CIMB-PRINCIPAL GLOBAL TITANS FUND
PACIFIC DANA MURNI
CIMB-PRINCIPAL INCOME PLUS BALANCED FUND

CIMB-PRINCIPAL KLCI-LINKED FUND 2 (FORMER
COMPOSITE INDEX)
CIMB-PRINCIPLE SMALL CAP FUND (FORMER HIDDEN
TREASURES)
PACIFIC DIVIDEND FUND
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
OSK-UOB SMALLCAP OPPORTUNITY UNIT TRUST

OSK-UOB SMART BALANCED FUND
PACIFIC ASIA BRANDS FUND
PACIFIC DANA DIVIDEN
PACIFIC ELIT DANA AMAN

PACIFIC ELIT DANA DIVIDEN
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
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

HWANG SELECT ASIA (EX JAPAN) QUANTUM FUND
AMINCOME FLEXI 3
EASTSPRING INVESTMENTS TARGET INCOME FUND 2
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 OCBCs 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
Page 3 of 9
Structured Investments (SI)

Eligible SI products
Foreign Currency Retail Bonds
Credit-Linked Investments
Floating Rate Negotiable Instruments of Deposits (FRNID)
Callable Interest Cumulation FRNID
Table (4b): Eligible Products and Packages offered or distributed by OABB for Investment Deals on Promotional 3-month
CMGIA-i
OCBC ARIP-i^
Unit Trust-i (UT-i) Products
Eligible UT-i funds (i-Funds):
AMASEAN EQUITY FUND
PACIFIC ELIT DANA AMAN FUND
AMPRECIOUS METALS FUND
PACIFIC ELIT DANA DIVIDEN FUND
AMCOMMODITIES EQUITY 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)

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 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 OABBs 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.
Table (4c): Eligible Products and Packages offered or distributed by OCBC for Investment Deals on Promotional 3-month
FD
Foreign Exchange Linked Digital Returned FRNID
Auto-Callable Commodity Linked Structured Investment
3.3.2.
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 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
OCBC Stabiliser
Ajer Regular Investment-i (ARIP-i)
OCBC Starter Invest

(based on initial UT amount)
Unit Trust products

(lump sum investment)
Structured Investments (SI)
Page 4 of 9
Column B
Investment Amount
Column C
Maximum FD Placement Amount
RM50,000 up to RM499,999
Should not exceed one (1) time of the UT

investment amount
RM500,000 and above
Should not exceed three (3) times of the UT

investment amount
RM50,000 up to RM499,999

investment amount
RM500,000 and above

investment amount
RM50,000 up to RM499,999

investment amount
RM500,000 and above

investment amount
RM50,000 up to RM499,999

investment amount
RM500,000 and above

investment amount
RM250,000 up to RM499,999
Should not exceed one (1) time of the SI
placement amount
Retail Bonds
3.3.3.
RM500,000 and above
Should not exceed three (3) times of the SI

investment amount
RM250,000 up to RM499,999
Should not exceed one (1) time of the Retail Bond

placement amount
RM500,000 and above
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 3.3.1 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:
Column B:
Column C:
Listed Products
Investment Amount
Maximum CMGIA-i Placement Amount
RM50,000 up to RM499,999
Should not exceed one (1) time of the UT-i

investment amount
RM500,000 and above
Should not exceed three (3) times of the UT-i

investment amount
RM50,000 up to RM499,999

investment amount
RM500,000 and above

investment amount
RM50,000 and above

investment amount
RM500,000 and above

investment amount
OCBC Starter Invest (based on initial UT-i

amount)
Unit Trust-i products (lump sum

investment)
3.3.4.
Should not exceed 50% of the investment amount
3.3.5.
3.3.6.
3.3.7.
3.4.
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:
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.
Savings Deal
3.4.1.
Page 5 of 9
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 participation in any of the products stated in Column A of Table (5c); and
(b) The Eligible Customers placement amount in the promotional 3-month FD account shall not exceed the limit stated in
Column B of Table (5c).
Table (5c)
Column A
Column B
Listed Products
Maximum FD Placement Amount
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*
4.20% p.a.
3-month
2.85% p.a.
3.4.2. Eligible Customers will be eligible for the promotional interest for the 3-month FD if they deposit a minimum sum of RM5,000
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
OCBC Easi-Save Plus Savings Account
OCBC Young Savers Account
OCBC MoneyMax Savings Account
OCBC Esteem Account
OCBC Current Account
OCBC Premier Account
OCBC SmartSavers Account
OCBC SmartSavers Junior Account
10
OCBC Premier Save Gold Account
3.4.3. 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 RM10,000 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 RM5,000.
Table (8): Illustrations on the respective placement amounts into FD and CASA
FD PLACEMENT
CASA PLACEMENT
RM30,000
RM15,000
RM200,000
RM100,000
RM600,000
RM1,000,000
3.4.4.
3.4.5.
(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 RM10,000 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.
3.4.6. Placement of the FD under this Promotion shall be made concurrently with the deposit into the selected CASA Account.
3.4.7. 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 3.4.10 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.
3.4.8. 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.
3.4.9. 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 3.4.10 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.
3.4.10. 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.
Page 6 of 9
Table (9): Explanation on earmarking of CASA placement amount

DATE
FD ACCOUNT
FD INTEREST
CASA
1 October 2013
Placement of RM20,000
4.20%p.a.
Placement of RM10,000
(Earmarked Amount)
10 October 2013
No activity
2.85%p.a.**
Withdrawal of RM100 from

Earmarked Amount
20 October 2013
Upliftment/Withdrawal
RM0***
Earmark to be released
** For illustration only. The 3-month FD board rate as at 1 September 2013 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 or withdrawal of FD
Before completion of first 3 months of the FD placement.
3.4.11. 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.
3.4.12. The promotional rate for FD will cease to apply if the cheque issued for CASA placement 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 (10) (OCBC FD accounts is Insured By PIDM):
Table (10): 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 1 September 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
www.ocbc.com.my.
3.5.2.
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 :
3.5.2.1
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
Page 7 of 9
OCBC Fixed Deposit
OCBC Mudharabah GIA-i
OCBC Commodity Murabahah GIA-i
OCBC Savings Account Products
OCBC Savings Account-i Products
OCBC Current Account Products
OCBC Current Account-i Products
OCBC Foreign Currency Deposits
Unit Trust (UT) Products
10
OCBC Bancassurance Products
11
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
Autocallable Equity
17
OCBC Loan Products
Type of Products
Deposit Product
(All CASA accounts here are Insured By
PIDM)
Non-Deposit Product
3.5.3.
The Premier Bank Deal is open only to Eligible Premier Banking Customers as defined in clause 3.5.4 below.
3.5.4.
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.
3.5.5.
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.
3.5.6. Placement of the FD under this Premier 3-month FD Promotion shall be made concurrently with the application for OCBC
Premier Banking membership.
3.5.7. The minimum Non-Deposit Wealth Product purchase is RM30,000 for Investment product (or the minimum requirement for the
respective investments, whichever is higher) and RM1,800 annual premium for Bancassurance products.
3.5.8. 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 Customers 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 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.
3.5.9. This Premier Bank Deal is limited to one FD placement for each Eligible Premier Banking Customer.
3.6.
Foreign Currency Time Deposits Promotion (FCY TD is Insured By PIDM)

3.6.1. Eligible Customers will enjoy an additional 5.00% p.a. above the prevailing board rates for 1-month FCY TD (Promotional
FCY TD Rate) for the selected currencies as follows:
Table (12): Promotional 1-month Foreign Currency Time Deposits
Additional Interest Rate
1-month FCY TD Board
Promotional FCY TD
above prevailing board
Currency
Rates as at 9 Sep 2013
Rates*
rates
Australia Dollar (AUD)
2.10% p.a.
7.10% p.a.
New Zealand Dollar (NZD)
2.08% p.a.
7.08% p.a.
British Pound (GBP)
0.00% p.a.
5.00% p.a.
Singapore Dollar (SGD)
0.19% p.a.
5.19% p.a.
5.00%p.a.
United States Dollar (USD)
0.00% p.a.
5.00% p.a.
Chinese Yuan (CNY)
0.50% p.a.
5.50% p.a.
Canadian Dollar (CAD)
0.13% p.a.
5.13% p.a.
Japanese Yen (JPY)
0.13% p.a.
5.13% p.a.
Euro Currency (EUR)
0.00% p.a.
5.00% p.a.
3.6.2.
3.6.3.
3.6.4.
3.6.5.
* For illustration only. The Board Rates and corresponding Promotional FCY TD Rates as at 9 Sep 2013 are used to show the
difference between the 2 Rates on a given date for illustration purposes. To find out the latest board rates, please visit
www.ocbc.com.my
The prevailing minimum FCY TD placement amount for each respective currency will apply for this Promotion.
The maximum amount for this promotion is RM1 million per account.
The placement amount must be converted into the FCY TD currency from Ringgit Malaysia or such other foreign currency
acceptable to OCBC (other than the FCY TD currency). The conversion shall be effected :
(a) on the date of the FCY TD placement; and
(b) at the prevailing foreign exchange board rate as at the date of the FCY TD placement or such other foreign exchange
rate as may be determined by OCBC Bank at its sole and absolute discretion
Upon the maturity of the promotional 1-month tenure, the promotional rate will cease to apply and customer shall enjoy the
prevailing board rate of the FCY TD.
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.
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 (Save Together 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
Customers 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 are as follows:
Before completion of first 3 months of the FD/CMGIA-i No interest/profit will be paid
placement :
50% of the contracted promotional rate is payable for each
Thereafter:
completed month for FD/CMGIA-i
4.2.3.
4.2.4.
Page 8 of 9
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.
4.3.
4.4.
4.5.
4.6.
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 OCBCs 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
OCBCs/OABBs 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 Mega Save 2 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 9 of 9
Name:
I/C No:
Date:
CIF No:
MegaSave4Q13/FullT&C/11Sep2013/BM/ver1
Terma dan Syarat

Promosi OCBC Mega Save 2 (Promosi)
1. Promosi
1.1.
OCBC Bank (Malaysia) Berhad (OCBC) dan OCBC Al-Amin Bank Berhad (OABB) memperkenalkan Promosi OCBC Mega Save 2
(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 OCBC Bank (Malaysia) Berhad (295400-W)
Produk-produk OCBC Al-Amin Bank Berhad (818444-T)
(OCBC)
(OABB)
(a)
Tawaran Simpanan Bersama: Kadar faedah promosi bagi

Simpanan Tetap (ST) 13-bulan
Tawaran Simpanan Bersama: Kadar faedah promosi bagi

Akaun Pelaburan Am Komoditi Murabahah-i (APAKM-i) 13bulan
(b)
Tawaran Simpanan Solo: Kadar faedah promosi bagi

Simpanan Tetap (ST) Promosi ST 3-bulan Premier -bulan
Tawaran Simpanan Solo: Kadar faedah promosi bagi

Akaun Pelaburan Am Komoditi Murabahah-i (APAKM-i) 12bulan
(c)
Tawaran Pelaburan: Kadar faedah promosi bagi ST 3bulan apabila Pelanggan Yang Layak membeli mana-mana
atau lebih daripada satu produk Pelaburan OCBC yang
terpilih.
Tawaran Pelaburan: Kadar faedah promosi bagi APAKM-i

3-bulan apabila Pelanggan Yang Layak membeli manamana atau lebih daripada satu produk Pelaburan OABB
terpilih.
(d)
Savings Promotion: Kadar faedah promosi bagi ST 3bulan apabila Pelanggan Yang Layak mendepositkan jumlah
minimum tertentu ke dalam Akaun Semasa OCBC atau
Akaun Simpanan (ASAS) terpilih
Tidak berkaitan
(e)
Tawaran Bank Premier Premier: Kadar faedah promosi

bagi ST 3-bulan apabila Pelanggan Yang Layak Berjaya
mendaftar keahlian Perbankan Premier OCBC.
Tidak berkaitan
Promosi Mata Wang Asing Time Deposit: Kadar faedah

Tidak berkaitan
promosi bagi Deposit Masa Mata Wang Asing (DMMWA)
1-bulan
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.
(f)
1.2.
1.3.
Promosi ini sah mulai 11 September sehingga 31 Oktober 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.
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 Simpanan Bersama (Bagi Akaun Bersama) (Kedua-dua ST dan APAKM-i dijamin Oleh PIDM)
3.1.1. Pelanggan Yang Layak akan menikmati kadar faedah /keuntungan promosi berikut bagi tempoh ST/APAKM-i yang
ditunjukkan dalam Jadual (1)
Jadual (1): Promosi ST/APAKM-i Ringgit Malaysia
3.1.2.
3.1.3.
3.1.4.
Page 1 of 9
Tempoh ST/APAKM-i
Kadar Faedah/Keuntungan Promosi
Kadar Lazim*
13-bulan
3.55% setahun
3.10% setahun
* Untuk ilustrasi sahaja. Kadar lazim seperti pada 1 September 2013 diguna pakai untuk tujuan ilustrasi bagi
menunjukkan perbezaan di antara kadar lazim dan kadar promosi. Bagi mengetahui kadar lazim terkini, layari
www.ocbc.com.my. 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 RM10,000, manakala peletakan maksimum pula adalah
RM500,000 bagi setiap akaun.
Ketersediaan Promosi ini adalah tertakluk kepada keseluruhan jumlah peletakan deposit terkumpul sebanyak RM2.5billion.
Setelah RM2.5billion 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.
3.2.
Tawaran Simpanan Solo (Kedua-dua ST dan APAKM-i dijamin Oleh PIDM)

3.2.1. Pelanggan Yang Layak akan menikmati kadar faedah /keuntungan promosi bagi tempoh ST/APAKM-i yang ditunjukkan dalam
Jadual (2).
Jadual (2): Promosi ST/APAKM-i Ringgit Malaysia
Tempoh ST/APAKM-i
Kadar Faedah/Keuntungan Promosi
Kadar Lazim*
12-bulan
3.30% setahun
3.05% setahun
* Untuk ilustrasi sahaja. Kadar lazim seperti pada 1 September 2013 diguna pakai untuk tujuan ilustrasi bagi
www.ocbc.com.my. Kadar lazim berbeza mungkin digunakan untuk permastautin dan bukan permastatutin.
3.2.2. Jumlah peletakan minimum ST/APAKM-i di bawah Promosi ini adalah RM10,000, manakala peletakan maksimum pula adalah
RM1 juta bagi setiap akaun.
3.3.
Tawaran Pelaburan (kedua-dua ST dan APAKM-i adalah dijamin oleh PIDM)

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
3.3.1.
Sentiasa tertakluk kepada provisos dalam klausa 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 tersenarai
dalam Jadual (4a) di bawah; 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
tersenarai dalam Jadual (4b) di bawah;
(c)
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 (4c) 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 September 2013
diguna pakai untuk tujuan ilustrasi bagi menunjukkan perbezaan di antara kadar lazim dan kadar promosi. Bagi
mengetahui kadar lazim terkini, layari www.ocbc.com.my.
Jadual (4a): Produk dan Pakej yang Layak yang ditawarkan atau diedarkan oleh OCBC untuk Tawaran 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
CIMB ISLAMIC ENHANCED SUKUK FUND (FORMER DANA
WAFIQ)
DANA MUBARAK)
CAPITAL)
PACIFIC DANA AMAN
CIMB-PRINCIPAL EQUITY AGGRESSIVE FUND 3 (FORMER
FUTURE GOALS)
PACIFIC DANA MURNI
COMPOSITE INDEX)
TREASURES)
GLOBAL FORTUNE FUND
Page 2 of 9

OSK-UOB DANA ISLAM
AMASEAN EQUITY FUND
PACIFIC DYNAMIC ASIAPAC FUND

PACIFIC INCOME FUND
PACIFIC PEARL 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 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
Page 3 of 9
Pelaburan Berstruktur (SI)

Produk-produk SI yang layak
1 Bon Runcit Matawang Asing
2 Pelaburan Berkaitan Kredit
3 Instrumen Deposit Boleh Niaga Kadar Terapung Pulangan Digital Berkaitan Pertukaran Asing
4 Kumulatif Faedah Boleh Panggil Instrumen Deposit Boleh Niaga Kadar Terapung
Jadual (4b): Produk dan Pakej yang Layak yang ditawarkan atau diedarkan oleh OABB untuk Tawaran 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):
AMASEAN EQUITY FUND
HWANG AIIMAN INCOME PLUS FUND (sebelumnya

AIIMAN Balanced)
HWANG AIIMAN GROWTH FUND (sebelumnya Dana

Idzihar)
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 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.
Jadual (4c): Produk dan Pakej yang Layak yang ditawarkan atau diedarkan oleh OCBC untuk Tawaran Pelaburan
ke atas promosi ST 3-bulan
Senarai Produk atau Pakej yang dibeli
3.3.2.
Pelanggan Yang Layak boleh menikmati kadar faedah promosi ST 3-bulan seperti yang dinyatakan dalam Jadual (3) selaras
dengan Klausa 3.3.1 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).
Ruang A
Senarai Produk
OCBC Stabiliser
Page 4 of 9
Jadual (5a)
Ruang B
Jumlah Pelaburan
RM50,000 sehingga
RM499,999
Ruang C
Jumlah Peletakan Maksimum ST
Mestilah tidak melebihi satu (1) kali jumlah
pelaburan UAS
RM500,000 dan ke atas
Mestilah tidak melebihi tiga (3) kali jumlah

pelaburan UAS
RM50,000 sehingga
RM499,999

pelaburan UAS
OCBC Starter Invest (berdasarkan jumlah permulaan

UAS)
Produk-produk Unit Amanah Saham (pelaburan

sekaligus)
Pelaburan Berstruktur (SI)
Bon Runcit
3.3.3.

pelaburan UAS
RM50,000 sehingga
RM499,999

pelaburan UAS

pelaburan UAS
RM50,000 sehingga
RM499,999

pelaburan UAS

pelaburan UAS
RM250,000 sehingga
RM499,999

pelaburan SI

pelaburan SI
RM250,000 sehingga
RM499,999

pelaburan Bon Runcit

pelaburan Bon Runcit
Pelanggan Yang Layak boleh menikmati kadar keuntungan promosi APAKM-i 3-bulan seperti yang dinyatakan dalam Jadual
(3) selaras dengan Klausa 3.3.1 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:
Ruang B:
Ruang C:
Senarai Produk
Jumlah Pelaburan
Jumlah Peletakan Maksimum APAKM-i
OCBC Starter Invest (berdasarkan jumlah permulaan

UAS-i)
Produk-produk Unit Amanah Saham-i (pelaburan

sekaligus)
3.3.4.
RM50,000 sehingga
RM499,999
RM50,000 sehingga
RM499,999

pelaburan UAS-i
pelaburan UAS-i
pelaburan UAS-i
pelaburan UAS-i
pelaburan UAS-i
pelaburan UAS-i
Pelanggan Yang Layak boleh menikmati kadar keuntungan promosi ST 3-bulan seperti yang dinyatakan dalam Jadual (3)
selaras dengan Klausa 3.3.1 di atas asalkan pada setiap masa:
(c) 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 (5c); dan
(d) Jumlah peletakan Pelanggan Yang Layak dalam promosi APAKM-i 3-bulan haruslah tidak melebihi had yang dinyatakan
di dalam Ruang C Jadual (5c).
Table (5c)
Ruang A:
Ruang B:
Senarai Produk
Jumlah Peletakan Maksimum ST
Mestilah tidak melebihi 50% daripada jumlah pelaburan
Page 5 of 9
3.3.5.
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.
3.3.6.
Peletakan ST/APAKM-i di bawah Promosi ini haruslah dilakukan serentak dengan pembelian Produk OCBC /OABB.
3.3.7.
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:
3.3.7.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.
3.3.7.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 .
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 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*
4.20% setahun
3-bulan
2.85% setahun
* Untuk ilustrasi sahaja. Kadar lazim ST 3-bulan seperti pada 1 September 2013 diguna pakai untuk tujuan ilustrasi bagi
www.ocbc.com.my.
3.4.2. Pelanggan Yang Layak akan menikmati kadar faedah promosi ST 3-bulan sekiranya mereka mendepositkan jumlah minimum
RM5,000 ke dalam akaun ASAS terpilih yang ditunjukkan dalam Jadual (7) di bawah:
Jadual (7): Senarai ASAS terpilih
1
2
Senarai Akaun ASAS (Kesemua Akaun ASAS dibawah adalah dijamin oleh PIDM)
Akaun Simpanan OCBC Easi-Save
Akaun Simpanan OCBC Easi-Save Plus
Akaun Simpanan OCBC Young Savers
Akaun Simpanan OCBC MoneyMax
Akaun OCBC Esteem
Akaun Semasa OCBC
7
8
Akaun Premier OCBC

Akaun OCBC SmartSavers
Akaun OCBC SmartSavers Junior
10
Akaun OCBC Premier Save Gold
3.4.3. 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
RM10,000 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
RM5,000.
Jadual (8): Ilustrasi jumlah peletakan dalam akaun ST dan ASAS
PELETAKAN ST
PELETAKAN ASAS
RM30,000
RM15,000
RM200,000
RM100,000
RM600,000
RM1,000,000
3.4.4.
3.4.5.
3.4.6.
3.4.7.
3.4.8.
Page 6 of 9
(Nota: Jumlah Diketepikan (ditakrifkan di bawah)

hanyalah RM500,000, iaitu separuh daripada jumlah
peletakan ST)
Jumlah peletakan minimum ST di bawah Promosi ini adalah RM10,000, 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 3.4.10 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.
3.4.9.
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 3.4.10 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 4.2.2 di bawah akan diguna pakai dan tiada faedah ST akan dibayar.
3.4.10. 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
Peletakan RM10,000
1 October 2013
Peletakan RM20,000
4.20% setahun
10 October 2013
Tiada Aktiviti
2.85% setahun**
Pengeluaran RM100 daripada Jumlah

Diketepikan
20 October 2013
Penarikan diri/Pengeluaran
RM0***
Jumlah Diketepikan akan dibebaskan
(Jumlah Diketepikan)
* Untuk ilustrasi sahaja. Kadar lazim ST 3-bulan seperti pada 1 September 2013 diguna pakai untuk tujuan ilustrasi. Bagi
mengetahui kadar lazim terkini, layari www.ocbc.com.my.
*** Sila rujuk kepada klausa 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.
3.4.11. 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.
3.4.12. Kadar promosi untuk ST akan terhenti terpakai jika cek yang dikeluarkan untuk ASAS penempatan tidak sah dan kadar lazim
akan memohon untuk penempatan ST.
3.5.
Tawaran Perbankan Premier

3.5.1.
Pelanggan Perbankan Premier Yang Layak (ditakrifkan di bawah) akan menikmati kadar faedah promosi untuk tempoh ST
seperti ditunjukan dalam Jadual (10) (Akaun ST OCBC adalah dijamin oleh PIDM):
Jadual (10): Promosi ST Ringgit Malaysia
Kadar Faedah
Kadar Lazim ST 3-bulan*
Promosi
Jumlah pegangan produk untuk penentuan

kadar faedah
3 Pegangan Produk di mana 1
3-bulan
5.50% setahun
2.85% setahun
daripadanya mestilah produk Kekayaan
bukan simpanan
* Untuk ilustrasi sahaja. Kadar lazim ST 3-bulan seperti pada 1 September 2013 diguna pakai untuk tujuan ilustrasi bagi
menunjukkan perbezaan di antara kadar lazim dan kadar faedah promosi. Bagi mengetahui kadar lazim terkini, layari
www.ocbc.com.my.
Tempoh ST
3.5.2.
Pelanggan Perbankan Premier Yang Layak akan menikmati kadar faedah promosi ST 3-bulan sekiranya dalam Tempoh
Promosi berjaya membeli atau menyertai atau mempunyai pegangan sedia ada 3 atau lebih produk/pakej terpilih seperti yang
tersenarai dalam Jadual (11). Kadar faedah promosi berdasarkan kepada Jadual (10) di atas, iaitu:
3.5.2.1
sekiranya Pelanggan Perbankan Premier Yang Layak membeli/menyertai/mempunyai pegangan 3 produk/pakej

seperti yang tersenarai di dalam Jadual (11), maka Pelanggan Perbankan Premier Yang Layak akan menikmati
kadar faedah promosi 5.50% setahun untuk peletakan ST 3-bulan.
Jadual (11): Produk dan Pakej yang Layak
Produk atau Pakej
Page 7 of 9
Akaun Simpanan Tetap OCBC
Akaun Pelaburan Am Mudharabah-i OCBC
Akaun Pelaburan Am Komoditi Murabahah-i OCBC
Produk Akaun Simpanan OCBC
Produk Akaun Simpanan-iOCBC
Produk Akaun Semasa OCBC
Produk Akaun Semasa-i OCBC
Simpanan Mata Wang Asing OCBC
Produk Unit Amanah Saham (UAS)
10
Produk Bankasurans OCBC
Jenis Produk
Produk Deposit
(Kesemua Akaun ASAS
ini adalah dijamin oleh
PIDM)
Produk Kekayaan Bukan

Deposit
11
Bon Runcit
12
Instrumen Deposit Boleh Niaga Kadar Terapung (FRNID)
13
Pelaburan Berstruktur Berkaitan Kredit (PBBK)
14
Pelaburan Dwi Mata Wang (PDMW)
15
Equity Linked Convertible Investments (ELCI)
16
Autocallable Equity
17
Produk Pinjaman OCBC
3.5.3.
Tawaran Perbankan Premier hanya dibuka kepada Pelanggan Perbankan Premier Yang Layak seperti yang ditakrifkan di
dalam klausa 3.5.4 di bawah.
3.5.4.
Pelanggan Perbankan Premier Yang Layak bermaksud dan merujuk kepada mana-mana Pelanggan Yang Layak OCBC yang
memohon dan diterima untuk menjadi ahli Perbankan Premier OCBC di dalam Tempoh Promosi.
3.5.5.
Untuk layak 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 layak menyertai
promosi ini.
3.5.6. Peletakan ST di bawah Tawaran Perbankan Premier ini mestilah dibuat pada masa yang sama dengan permohonan sebagai
ahli Perbankan Premier OCBC.
3.5.7. Pembelian minimum Produk Kekayaan Bukan Deposit ialah RM30,000 untuk produk Pelaburan (atau atau keperluan
minimum bagi pelaburan masing-masing, yang mana lebih tinggi )dan RM1,800 premium tahunan untuk produk Bankasurans.
3.5.8. 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 Bank dan merangkumi deposit, produk pelaburan, dan
produk bankasurans dengan bayaran premium berkala tahunan.
3.5.9. Tawaran Perbankan Premier ini adalah terhad kepada sekali peletakan untuk setiap Pelanggan Perbankan Premier Yang
Layak.
3.6.
Promosi Mata Wang Asing Time Deposit (MWATD adalah dijamin oleh PIDM)
3.6.1. Pelanggan Yang Layak akan menikmati kadar faedah tambahan sebanyak 5.00% setahun melebihi kadar faedah lazim
semasa MWATD 1-bulan bagi mata wang terpilih di bawah
Jadual (12): Promosi Mata Wang Asing Time Deposit 1-bulan Mata Wang Asing
Kadar Faedah Tambahan
Kadar Lazim 1-bulan*
Kadar Faedah Promosi
ke atas kadar lazim
Mata Wang Asing
seperti pada 9 Sep 2013
MWATD
semasa
Australia Dollar (AUD)
2.10% setahun
7.10% setahun
New Zealand Dollar (NZD)
2.08% setahun
7.08% setahun
British Pound (GBP)
0.00% setahun
5.00% setahun
Singapore Dollar (SGD)
0.19% setahun
5.19% setahun
5.00% setahun
United States Dollar (USD)
0.00% setahun
5.00% setahun
Chinese Yuan (CNY)
0.50% setahun
5.50% setahun
Canadian Dollar (CAD)
0.13% setahun
5.13% setahun
Japanese Yen (JPY)
0.13% setahun
5.13% setahun
Euro Currency (EUR)
0.00% setahun
5.00% setahun
3.6.2.
3.6.3.
3.6.4.
Page 8 of 9
*Sebagai ilustrasi sahaja, Kadar Lazim dan kadar Promosi yang berkaitan bagi MWATD 3-bulan pada 9 Sep 2013
digunapakai untuk menunjukan perbezaan di antara kedua-dua kadar pada tarkh tersebut sebagai tujuan ilustrasi sahaja.
Untuk mengetahui kadar lazim terkini, sila lawati www.ocbc.com.my
Jumlah peletakkan minima semasa MWATD masing-masing bagi setiap mata wang terbabit akan diguna pakai untuk Promosi
ini.
Amaun peletakkan mestilah ditukarkan kepada mata wang asing yang layak daripada Ringgit Malaysia atau mana-mana
matawang asing lain yang diterima oleh OCBC (selain mata wang asing yang layak). Penukaran akan dibuat:
(a) pada tarikh peletakkan; dan
(b) pada kadar tukaran matawang asing lazim semasa, pada tarikh peletakan MWATD dibuat atau mana-mana kadar
tukaran matawang asing seperti yang ditentukan oleh OCBC di atas budi-bicara mutlaknya.
Apabila promosi 1-bulan matang, kadar faedah promosi akan berhenti diguna pakai dan pelanggan akan menikmati kadar
lazim semasa MWATD.
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 dan boleh diaplikasi 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 Simpanan Bersama), 3.4
(Tawaran Simpanan) dan 3.5 (Tawaran Perbankan Premier) di atas mestilah daripada dana segar yang bermaksud danadana 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 berlaku) sebelum tempoh promosi ST/APAKM-i
selesai, penalti akan dikenakan seperti berikut:
Sebelum tamat peletakan 3 bulan pertama ST/APAKM-i:
Tiada faedah/keuntungan akan dibayar
50% daripada kadar promosi yang dikontrakkan akan
Thereafter / Berikutnya:
dibayar bagi setiap bulan yang dilengkapkan bagi
ST/APAKM-i
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 diguna pakai dan ST
/APAKM-i akan diperbaharui secara automatik untuk tempoh yang sama pada kadar lazim semasa apabila 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 Mega Save 2. 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:
Page 9 of 9
Nama:
No. K/P:
Tarikh:
No. CIF:
MegaSave4Q13/FullT&C/11Sep2013/Chi/ver1
Mega Save 2 ()
1.
1.1. ()() OCBC Al-Amin Bank Berhad(OABB)() Mega Save 2
(),:
() (295400-W)
()
(a)
(b)
Save Together :
Save Together :
13 Commodity Murabahah -i (CMGIA-i)
13 ()
Save Together :
Save Solo :
12 Commodity Murabahah -i (CMGIA-i)
12 ()
:
(c)
OCBC Al-Amin Bank Berhad (818444-T)

(OABB)
OABB
3 Commodity Murabahah -i
CMGIA-i
:
(d)
3
:
(e)
(f)
1 ()
OABB
1.2.
1.3.
2.
2.1.
2.2.
2.3.
2013 9 11 2013 10 31 (,) OABB
OABB (OABB Xpres )

/
** OABB
()
OABB /
OABB / OABB
3.
3.1. Save Together ( CMGIA-i PIDM)
3.1.1.
()/CMGIA-i /
/CMGIA-i
() : /CMGIA-i
/
3.55%
13
*
3.10%
* 2013 9 1
www.ocbc.com.my.
3.1.2. /CMGIA-i
3.1.3. /CMGIA-i 10,000 /CMGIA-i 500,000
3.1.4.
3.2.
25 25 / OABB
CMGIA
Save Solo ( CMGIA-i PIDM)

3.2.1.
()
/CMGIA-i
12
Page 1 of 8
() : /CMGIA-i
/
3.30%
*
3.05%
* 2013 9 1
www.ocbc.com.my.
3.2.2. /CMGIA-i 10,000 /CMGIA-i 1
3.3.
(CMGIA-iPIDM)
OABB 33Commodity Murabahah
-i
3.3.1.
3.3.2 3.3.3 3.3.4

(a)
(a) () 3
(b)
(b) () 3 CMGIA-i
(c)
(c) () 3
() : 3 /CMGIA-i
/CMGIA-i
4.00%
2.85%
* 2013 9 1 3 /CMGIA-i
www.ocbc.com.my
1
2
3
4
( a) : 3
Stabiliser^
ARIP-i^
ARIP-i OCBC Al-Amin Bank Berhad
Starter ^
():
AMPRECIOUS METAL
CIMB ISLAMIC ENHANCED SUKUK FUND (FORMER DANA
WAFIQ)
DANA MUBARAK)
CAPITAL)
CIMB-PRINCIPAL EQUITY AGGRESSIVE FUND 3 (FORMER
FUTURE GOALS)
COMPOSITE INDEX)
TREASURES)
GLOBAL FORTUNE FUND
Page 2 of 8

PACIFIC DANA AMAN
PACIFIC DANA MURNI
PACIFIC INCOME FUND

OSK-UOB DANA ISLAM

PACIFIC PEARL FUND
AMASEAN EQUITY FUND

PACIFIC DYNAMIC ASIAPAC FUND

AMINCOME FLEXI 3
(a)
(b) 2.00Pacific ELITE Funds

Pacific ELITE 2.00%
Pacific ELITE
5
( b) : OABB 3 CMGIA-i
ARIP-i^
-i (UT-i)
():
Page 3 of 8
AMASEAN EQUITY FUND
HWANG AIIMAN INCOME PLUS FUND (formerly AIIMAN

Balanced)
HWANG AIIMAN GROWTH FUND (formerly Dana Idzihar)
:
(a) OABB i-OABB OABB
i-
(b) 2.00 UT-i (Pacific ELITE Funds) i-

Pacific ELITE 2.00%
Pacific ELITE
^ Stabiliser ARIP-i Starter (PIDM)

( c) : 3
3.3.2.
3.3.1 () 3
(a) ( a) B () A
(b) 3 ( a) C
( a)
A
B
C
Stabiliser
ARIP-i
Starter(
)
()
(SI)
3.3.3.
RM500,000
RM50,000 RM499,999
RM500,000
RM50,000 RM499,999
RM500,000
RM50,000 RM499,999
RM500,000
RM250,000 RM499,999
RM500,000
RM250,000 RM499,999
RM500,000
3.2.1 ,() 3 CMGIA-i ,

(a) ( b) B ( b) A
(b) 3 CMGIA-i ( b) C
A:
ARIP-i
Page 4 of 8
RM50,000 RM499,999
( b)
B:
RM50,000 up to
RM499,999
RM500,000
C:
CMGIA-i
RM50,000 RM499,999
Starter ()
RM500,000
RM50,000
-i ()
3.3.4.
3.2.1 ,() 3 CMGIA-i ,

(a) ( b) B ( b) A
(b) 3 CMGIA-i ( b) C
( c)
A:
C
50%
50%
50%
3.3.5.
3.3.6.
3.3.7.
3.4.
RM500,000
(EPF)
/CMGIA-i /OABB
3/ CMGIA-i
/CMGIA-i
(a)
3.3.7.a.1. / OABB /-i

/ OABB./-i
3.3.7.a.2. /-i /-i
/-i
3.2.6.a.3./OABB (6)
3.4.1 ()
():
4.20%
*
2.85%
* 2013 9 1 3
www.ocbc.com.my
3.4.2 () RM5,000 3
() :
3.4.3
Page 5 of 8
Easi-Save
Easi-Save Plus
Young Savers
MoneyMax
Esteem
SmartSavers
SmartSavers Junior
10
Premier Save Gold
Savings
a. RM10,000 3 /

b. () RM5,000
() :
RM 10,000
RM5,000
RM 200,000
RM100,000
RM 1,000,000
() RM
500,000 )
RM600,000
3.4.4
3.4.5
3.4.6
3.4.7
3.4.8
3.4.9
3.4.10
RM10,000 1
/ ()
()
() 3 (
) 3 3.4.9 3
3.4.9(b)
a. 3 3
3.4.10
b.
4.2.2
3
() :
2013 10 1
RM20,000
4.20%
RM10,000 ()
2013 10 10
2.85%**
RM100
2013 10 20
RM0***
**2013 9 1 3 www.ocbc.com.my
*** 4.2.2 3
3.4.11 ()
3.4.12 /
3.5.
( PIDM)
3.5.1
() ()
() :
3 *
5.50%
2.85%
3 1
*2013 9 1 3
www.ocbc.com.my
3.5.2
Page 6 of 8
3 /()
3 ()
a.
3 () /
5.50% 3
() :
3.5.3
3.5.4
3.5.5
3.5.6
3.5.7
3.5.8
3.5.9
Mudharabah -i (GIA-I)
Commodity Murabahah -i
-i
-i
10
11
12
13
14
()
15
16
Autocallable Equity
17
3.5.4
3
3
RM30,000 , RM
1,800
RM10,000 50 RM1
3
3.6 ( PIDM)
3.6.1
5.00% 1
():
2013 9 9
(AUD)
2.10%
7.10%
(NZD)
2.08%
7.08%
(GBP)
0.00% .
5.00%
(SGD)
0.19%
(USD)
0.00%
(CNY)
0.50%
5.50%
(CAD)
0.13%
5.13%
(JPY)
0.13%
5.13%
(EUR)
0.00%
5.00%
5.19%
5.00%p.a.
5.00%
* 2013 9 9
www.ocbc.com.my
3.6.2
3.6.3
3.6.4
Page 7 of 8
3.6.3.a
3.6.3.b
4.
4.1.
//
4.2.
/CMGIA-i
4.2.1. 3.1 (Save Together ), 3.4()3.5() /CMGIA-i
()3(OABB
)OABB
4.2.2.
/CMGIA-i () /CMGIA-i
/CMGIA-i 3
50% /CMGIA-i
CMGIA-i
4.2.3.
/CMGIA-i
4.2.4.
4.3.
4.4.
4.5.
4.6.
/CMGIA-i /CMGIA-i
OABB
OABB
OCBC OABB
OABB
//OABB
/ OABB
/Mega Save 2 / OABB
:
:
:
CIF:
Page 8 of 8
:
:
:
CIF:

4Q2013 General Promo TNC ENG 11sep2013 v1 PDF

Uploaded by

Document Information

Original Title

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

4Q2013 General Promo TNC ENG 11sep2013 v1 PDF

Uploaded by

Copyright:

Available Formats

MegaSave4Q13/FullT&C/11Sep2013/Eng/ver1

OCBC Mega Save 2 Promotion (Promotion)

Save Together Deposit Deal: promotional 13-month Fixed

Save Together Deposit Deal: promotional 13-month

Save Solo Deposit Deal: promotional 12-month Fixed

Save Solo Deposit Deal: promotional 12-month Commodity

Investments Deal: promotional 3-month FD interest rate

Investment Deal: promotional 3-month CMGIA-i profit rate

Savings Deal: promotional 3-month FD interest rate when

Premier Bank Deal: promotional 3-month FD interest rate

Foreign Currency Time Deposit Promotion: promotional

Save Solo Deal (both FD and CMGIA-i are insured By PIDM)

Investment Deals (both FD and CMGIA-i are insured By PIDM)

Table (3): Promotional 3-month Malaysia Ringgit FD/CMGIA-i

OCBC Starter Invest^

Unit Trust (UT) Products

OSK-UOB GLOBAL EQUITY YIELD FUND

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 MENA EQUITY FUND

OSK-UOB SMART INCOME FUND

CIMB PRINCIPAL EQUITY GROWTH & INCOME FUND

OSK-UOB SMART TREASURE FUND

CIMB-PRINCIPAL BALANCED FUND

PACIFIC ASIAPAC INCOME FUND

CIMB-PRINCIPAL BOND FUND

PACIFIC DANA AMAN

CIMB-PRINCIPAL GLOBAL TITANS FUND

PACIFIC DANA MURNI

CIMB-PRINCIPAL INCOME PLUS BALANCED FUND

PACIFIC DIVIDEND FUND

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

OSK-UOB SMALLCAP OPPORTUNITY UNIT TRUST

PACIFIC ASIA BRANDS FUND

PACIFIC DANA DIVIDEN

PACIFIC ELIT DANA AMAN

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