CIMB Bank’s Dual Currency Investment (DCI) gives you an opportunity to earn potentially higher returns as compared to your regular time deposits. DCI offers you the flexibility of choosing your preferred investment currency and alternate currency. Upon maturity of the investment, you will receive the principal plus interest earned in either your investment currency or the alternate currency, at the pre-agreed exchange rate.

Features and Benefits:
	Wide array of currencies: Select your preferred investment and alternate currency from a choice of Malaysian Ringgit (MYR), Australian Dollar (AUD), Great Britain Pound (GBP), New Zealand Dollar (NZD), US Dollar (USD) and many more.
	Short tenure: The investment duration options are either 1 week, 2 weeks or 1 month. Upon maturity you may choose to reinvest for higher returns
	No sales charges or annual fees: Get more out of your investment by saving on upfront fees and annual charges
	Potentially higher returns than time deposits: Capitalise on exchange rate movements to earn higher returns

This product is an investment product and not a protected deposit. Therefore, it is not protected by PIDM (Malaysian Deposit Insurance Corporation)

• Individual investors: Malaysian or Permanent Resident or non-Permanent Resident (with work permit) aged 18 years old & above
• Corporate investors

How does DCI work?
Step 1: Choose your preferred investment currency and alternate currency
Step 2: Decide on your investment tenure of either 1 week, 2 weeks or 1 month
Step 3: Decide your investment amount (minimum MYR250,000)*
Step 4: Decide on your preferred returns or FX conversion rate

*For Preferred customers with HNWI (High Networth Individual) declaration, the investment amount can be a minimum of MYR100,000.

HNWI - For Individual Networth (Total Assets – Total Liabilities) exceed RM 3mil (or its equivalent in foreign currencies)
HNWI - For Corporate Networth (Total Assets – Total Liabilities) exceed RM 10mil (or its equivalent in foreign currencies) based on last audited accounts

Example

On the fixing date, the Bank will advise you on the repayment currency as to whether it will be in the investment currency or alternate currency. 
Scenario 1

Scenario 2

Please note that an immediate conversion back to MYR may result in loss of Investment Principal as follows:

What are your options if your initial DCI is converted into the alternate currency?
If your investment currency is in MYR and it is converted into AUD upon fixing, you may consider the following options:

1. Reinvest into a DCI, with AUD as your investment currency and MYR as the alternate currency to potentially earn higher yield on your investment and conversion back into MYR.
2. Transfer the funds to Australia for your personal use (e.g. property investment or children’s education).
3. Place your AUD into our Foreign Currency Fixed Deposit (FCFD) account while waiting for a reinvestment opportunity with DCI or convert the funds back into MYR with a potential opportunity of earning foreign exchange gains.

Upon maturity, investors are assured of the enhanced yield returns. The scenarios and options given above are for illustrative purposes only and do not represent any possible outcomes or actual returns.

Important Notice:
Investors must read and understand the Product Disclosure Sheet, Risk Disclosure Statement, Structured Products Master Agreement and Product Agreement of this product (collectively known as the "Documents") before deciding to invest. This document is provided for information purposes only and is not a substitute for the information and terms & conditions provided in the Documents. Nothing in this document is to be construed as a solicitation or offer of legal, investment, tax or other advice or a recommendation to engage in any transaction.

Investors are not covered by the compensation fund under section 152 of the Capital Markets and Services Act 2007 (CMSA). The compensation fund does not extend to the Investor who has suffered monetary loss as a result of a defalcation, or fraudulent misuse of moneys or other property, by a director, officer, employee or representative of CIMB Bank Berhad ("CIMB").

Where the Investor suffers monetary loss in the above circumstances related to the acts of CIMB’s employees, the Investor may lodge a complaint with our Customer Resolution Unit (CRU) at the following numbers. The Investor who is not satisfied with our CRU's decision may refer the case to the Financial Mediation Bureau or the Securities Industry Dispute Resolution Centre within six (6) months of receiving a final decision from CRU. Investor's complaint will only be dealt with by either one of the above channel that the Investor chooses to refer the case to.

Customer Resolution Unit
19th Floor, Menara Bumiputra-Commerce
11, Jalan Raja Laut
50350 Kuala Lumpur
Tel No: 1 300 880 900

This product is an investment product and not a protected deposit. Therefore, it is not protected by PIDM (Malaysian Deposit Insurance Corporation).