Welcome to CIMB

Features and Benefits:
	Fixed Deposit Interest paid out on a monthly basis.
	Flexibility of partial Fixed Deposit withdrawal - Each partial withdrawal must be a minimum of RM5,000 and in multiples of RM1,000 (subject to minimum balance of RM30,000 else FD must be uplifted & account closed).
	Up to 1.00% p.a. bonus interest on your Senior Savings Account, paid out every 6 months.
	Nationwide Banking: For convenient and easy access to your funds.

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Terms & Conditions Apply

Eligibility:
	Individuals from 50 years and above. Joint account are allowed, provided primary account holder is 50 years old and above.

Requirements:
	Minimum initial deposit of RM30,000 for Golden Time Deposit 2.
	Minimum initial deposit of RM250 for Senior Savings Account.
	Identity Card / Passport & Work Permit (if applicable - for foreigners).
	The amount of deposit to open and maintain the Account shall be at least RM30,000. Each fixed deposit placement shall be treated as one (1) Account. With effect from 1 November 2009 new deposit placements shall not exceed RM100,000 for each fixed deposit.

Golden Time FD

Tenure (months)

Current Board Rates

Preferential Rates

15

2.95%

2.95%

18

3.00%

3.00%

24

3.05%

3.05%

36

3.20%

3.20%

48

3.40%

3.40%

60

3.60%

3.60%

Senior Savings

Tier

Current Interest Rates

Bonus Rates

Total Interest Rates

Up to RM1,000

0.50%

0.00%

0.50%

Up to RM5,000

0.60%

0.00%

0.60%

Up to RM25,000

0.65%

0.00%

0.65%

Up to RM50,000

0.75%

1.00%

1.75%

Up to RM100,000

1.00%

1.00%

2.00%

Above RM100,000

1.55%

0.90%

2.45%

Products/Items

Charges

1

Issuance of Duplicate/Replacement FD Receipt

Customers who have lost or misplaced their FD receipts are required to submit a letter of indemnity to withdraw/uplift / rollover their FD.

2

Withdrawal of FD; payment by Issuance of Bankers Cheque

Stamp duty of RM0.15.

3

Withdrawal of FD; payment by Issuance of Local Demand Draft

No commission.

4

Withdrawal of FD; to be�credited to customer's account at branches within the same clearing zone

No charge.

5

Withdrawal of FD; to be credited to customer's account at Branches not within the same clearing zone

No commission.

6

Fixed Deposits under Lien (charged only once if renewal/placement is for the same purpose� the FD was assigned)

RM15 per receipt.

Property Financing

Personal Financing