Welcome to CIMB

Hibah Harta Trust is an acceptable Islamic inheritance solution, where it utilises the concept of Hibah with a trust feature. The key point of this service is the fact that the Donor can distribute his assets in any proportion and to any beneficiary according to the desire of his heart. The distribution of assets under Hibah Harta Trust avoids extensive estate administration procedures and distribution of assets with minimum hassle. CIMB Trustee Services is one of the pioneers in providing Hibah Harta Trust and has vast experience in structuring trust solutions.

Benefits:
	The ability to determine the proportion of assets to be given to one's beneficiaries.
	Avoidance of asset freezing and probate delays.
	To provide liquidity for family members in the event of sudden death.
	The ability to have staggered distribution to beneficiaries.
	Efficient distribution of assets to beneficiaries without administrative delays.
	Privacy of ownership and distribution plan.
	To make essential payments in the event of illness or disability.

A Wasiat is a declaration of a Muslim person where he spells out the manner of distribution of up to one-third (1/3) of his assets to his non-faraid heirs. The remaining two-third (2/3) of his assets shall be distributed in accordance with the Faraid Law. A Wasiat must be drafted in a prescribed form in accordance with legal requirements and assets listed in the Wasiat must be distributed in accordance with Faraid.

Benefits:
	The ability to set out one's wishes and instructions for beneficiaries.
	Minimise the administrative delays of obtaining probate.
	Ability to appoint administrator(s) to manage and distribute your estate.
	Ability to appoint guardian(s) for young children.

Peace of Mind begins with just One Click

CIMB Islamic, together with CIMB Trustee Berhad, are proud to present the first ever service that allows you to write your Wasiat online. With Wasiat Dalam Talian, you are now able to make provisions for your loved ones with just a click of a button in the comfort of your own home. You are able to secure your distribution plans because you are writing your Wasiat. This is done by keying in the requisite details in the interactive online platform. As soon as payment is made online, you are able to print out your Wasiat immediately.

Eligibility:
	You must be at least 18 years of age to be able to write a Wasiat.
	This service is opened to anyone who has an account with CIMB Islamic Bank Berhad and who has signed up for its online facility, i.e. CIMB Clicks.
	This service is also available to non-Malaysians and/or Malaysians living abroad as long as they have an account with CIMB Islamic Bank Berhad and have also subscribed to its online banking facility i.e. CIMB Clicks.
	However, if the testator has included his assets outside Malaysia in the online platform, CIMB Trustee Berhad reserves the right not to act as the executor.

Benefits of Wasiat Dalam Talian There are various reasons why Wasiat Dalam Talian would be beneficial to you:
	Provides instant and user-friendly Wasiat-writing platform without the need to engage other individuals. This ensures and protects your privacy.
	Allows immediate and convenient access through internet login, 24 hours a day, 7 days a week.
	Allows all classes of assets to be distributed to an unlimited number of beneficiaries.
	Allows printing of Wasiat immediately after online payment.

Wasist is a unique feature offered by CIMB Trustee Services, where we assist the Executor or Administrator in administering the deceased’s estate. We will provide guidance from the beginning of our appointment, which may include obtaining legal documents from the relevant authorities up till the distribution of assets to the beneficiaries.

Benefits:
	Relieve family members and friends if they are the appointed Executor or Administrator.
	Expedite the process of distributing the assets as compared to an inexperienced individual acting as Executor or Administrator.

Estate administration is the course of action taken by an administrator or executor from the point of obtaining a Letter of Administration or Grant of Probate until the distribution of assets. The work by an administrator or executor includes appointment of lawyer, collecting assets from various financial institutions, payments to creditors etc. In the case of a Muslim, a Faraid Certificate is required from the Syariah Court.

Benefits:
	The period of obtaining a Letter of Administration or Grant of Probate from the High Court is shorter.
	CIMB Trustee Services has the experience in managing assets that vests a Deceased person’s estate.
	Court will grant dispensation of sureties in the case of an estate without a Will if the Administrator is a corporate trust company.
	Ensure that the correct beneficiary receives the assets or his fair share of the assets.

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Personal Financing