terms and conditions(individual/company) terma-terma … · nid kepada orang yang membuat deposit...
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Terms and Conditions(Individual/Company) Terma-terma dan Syarat-syarat (Individu/Syarikat)
Negotiable Instruments of Deposits (NID) / Instrumen Deposit Boleh Niaga (NID)
Establishment of Negotiable Instruments of Deposits (“NIDs”) / Pewujudan Instrumen Deposit Boleh Niaga (“NID”) 1
a) OCBC BANK (MALAYSIA) BERHAD (the “Bank” which expression includes its assigns and successors-in-title) may from time to time
accept deposits in Ringgit Malaysia or foreign currency (each a “Deposit”) from a Depositor and issue to the person who makes the deposit
to or makes the primary purchase of the NID from the Bank (“Depositor”) a NID, at par, at a premium or at a discount. NIDs may be
denominated in Ringgit Malaysia (“Ringgit NID”) for Ringgit deposits and/or NIDs denominated in foreign currency (“FXNID”) for foreign
currency deposits.
OCBC BANK (MALAYSIA) BERHAD (“Bank” di mana ungkapannya termasuk penerima hak dan pewaris) boleh dari semasa ke semasa
menerima deposit dalam Ringgit Malaysia atau mata wang asing (setiap satunya ”Deposit”) daripada seorang Pendeposit dan menerbitkan
NID kepada orang yang membuat deposit atau yang membuat pembelian utama NID daripada Bank (“Pendeposit”), pada tara, premium
atau diskaun. NID boleh didenominasikan dalam Ringgit Malaysia (“NID Ringgit”) bagi deposit Ringgit dan/atau NID didenominasikan
dalam mata wang asing (“FXNID”) bagi deposit mata wang asing.
b) The Depositor represents and warrants to the Bank that the source(s) of funds used for the Deposit is lawful under the laws and regulations
(including the foreign exchange administration laws and regulations) of the jurisdiction binding upon or applicable to the Depositor and the
Depositor will take all necessary actions to ensure that such laws or regulations will not be contravened and will be complied with at all
times.
Pendeposit menyatakan dan memberi jaminan kepada pihak Bank bahawa sumber dana yang digunakan untuk Deposit adalah sah di sisi
undang-undang dan peraturan (termasuk undang-undang dan peraturan pentadbiran pertukaran asing) bidang kuasa yang terikat ke atas
atau berkenaan dengan Pendeposit dan Pendeposit akan mengambil semua langkah perlu bagi memastikan undang-undang dan
peraturan tersebut tidak akan dilanggar dan akan dipatuhi sepanjang masa.
c) Unless otherwise stipulated by the Bank, Ringgit NID shall have a nominal value more than RM60,000 (Ringgit Malaysia Sixty Thousand),
up to a maximum of RM10 million, per certificate. The Bank may with the approval (if required) of Bank Negara Malaysia (“BNM”) amend or
vary these denominations from time to time.
Melainkan sebaliknya ditetapkan oleh pihak Bank, NID Ringgit mempunyai nilai nominal lebih daripada RM60,000 (Ringgit Malaysia Enam
Puluh Ribu) sehingga maksimum RM10 juta, bagi setiap sijil. Bank boleh, dengan kebenaran (jika perlu) Bank Negara Malaysia (“BNM”),
meminda atau mengubah denominasi-denominasi ini dari semasa ke semasa.
d) The classes of NIDs which may be issued by the Bank and traded in the market include Short-Term NIDs (SNID), Long-Term NIDs (LNIDs),
Zero-Coupon NIDs (ZNIDS) and Floating Rate NIDs (FRNIDs) and NIDs from any of these classes or such other classes as may be
permitted from time to time by BNM, may be issued by the Bank subject to the Bank’s specifications, terms and conditions for the NID set
out in the relevant Term Sheet and in the NID certificate and these terms and conditions.
Kelas-kelas NID yang boleh diterbitkan oleh pihak Bank dan didagangkan dalam pasaran termasuk NID Jangka Pendek (SNID), NID
Jangka Panjang (LNID), NID Kupon Sifar (ZNID) dan NID Kadar Terapung (FRNID) dan NID daripada mana-mana kelas ini atau mana-
mana kelas lain yang dibenarkan dari semasa ke semasa oleh BNM, boleh diterbitkan oleh pihak Bank tertakluk kepada spesifikasi Bank,
terma-terma dan syarat-syarat NID yang dinyatakan dalam Penyata Terma yang berkaitan dan dalam sijil NID dan terma-terma dan syarat-
syarat ini.
e) Upon its issue, a NID shall be delivered to the Bank as the Authorised Depository for deposit into the Depositor’s NID Account with the
Bank or if the Bank declines to be the Authorised Depository, to such other Authorised Depository designated by the Depositor and the NID
must be held at all times in the custody of the Authorised Depository as designated by the Depositor or the Bearer, as the case may be.
The NID Account shall be governed by these Terms and Conditions and such other rules and guidelines regulating Authorised Depositories
(as amended varied or supplemented from time to time) laid down by BNM or other relevant regulatory authority or body from time to time.
Apabila diterbitkan, NID akan diserah kepada pihak Bank sebagai Depositori Diberi Kuasa untuk didepositkan ke dalam Akaun NID
Pendeposit yang dibuka dengan Bank atau jika pihak Bank menolak untuk menjadi Depositori Diberi Kuasa, dihantar kepada Depositori
Diberi Kuasa yang dilantik oleh Pendeposit dan NID mestilah dipegang sepanjang masa dalam jagaan Depositori Diberi Kuasa yang
dilantik oleh Pendeposit atau Pemegang, mengikut keadaan. Akaun NID adalah dikawal oleh Terma-terma dan Syarat-syarat ini dan
peraturan dan garis panduan lain yang mengawal Depositori Diberi Kuasa (yang dipinda, diubah atau ditambah dari semasa ke semasa)
yang ditetapkan oleh BNM atau pihak berkuasa atau badan pengawalan lain yang berkaitan dari semasa ke semasa.
f) Notwithstanding anything herein contained, the Bank has the absolute discretion not to proceed with the issuance of any NIDs on or before
its issue date, for any reasons whatsoever, including without limitation, changes in market conditions, the lack of or insufficiency of deposits
to achieve the returns or because the Bank’s deposit target is not met.
Tanpa mengambil kira apa-apa yang terkandung di sini, pihak bank mempunyai hak mutlak untuk tidak meneruskan penerbitan mana-
mana NID pada atau sebelum tarikh terbitan, walau atas apa alasan sekalipun, termasuk tanpa had, perubahan dalam keadaan pasaran,
kekurangan atau ketidakcukupan deposit untuk mencapai pulangan atau oleh kerana sasaran deposit bank tidak tercapai.
OCBC Bank (Malaysia) Berhad (295400-W) OCBC(M)/LEGAL/NID T & C (IND&CORP)-BM/01_2016
a) NIDs are negotiable and entitles the person who has acquired ownership of the NID (“Bearer”), through an Authorised Depository in
accordance with the rules and trading guidelines laid down by BNM (“the Guidelines” which expression shall include all amendments,
variations and supplements which may from time to time be made thereto), to all rights under the NID.
NID boleh diniaga dan orang yang mendapat hak milik NID (“Pemegang”) berhak, melalui Depositori Diberi Kuasa selaras dengan undang-
undang dan garis panduan dagangan yang ditetapkan oleh BNM (“Garis Panduan” di mana ungkapannya termasuk semua pindaan,
perubahan dan tambahan yang boleh dibuat padanya dari semasa ke semasa), terhadap semua hak di bawah NID.
Negotiability of NIDs / Ciri Boleh Niaga NID 2 WARNING THIS PRODUCT IS PRINCIPAL GUARANTEED BY THE ISSUING BANK UPON MATURITY ONLY. IF THE PRODUCT IS REDEEMED OR SOLD PRIOR TO MATURITY, THE CUSTOMER MAY LOSE PART OF THE INITIAL DEPOSIT AMOUNT. THE CUSTOMER IS REMINDED THAT THIS PRODUCT IS NOT INSURED BY PERBADANAN INSURANS DEPOSIT MALAYSIA. WARNING (This risk warning statement is applicable to Floating Rate Negotiable Instruments of Deposits)
THIS PRODUCT IS PRINCIPAL GUARANTEED BY THE ISSUING BANK UPON MATURITY ONLY. IF THE PRODUCT IS REDEEMED OR SOLD PRIOR TO MATURITY, THE CUSTOMER MAY LOSE PART OF THE INITIAL DEPOSIT AMOUNT. THE RETURNS ON THIS PRODUCT ARE UNCERTAIN AND THE CUSTOMER RISKS EARNING NO RETURNS AT ALL. THE CUSTOMER IS REMINDED THAT THIS PRODUCT IS NOT INSURED BY PERBADANAN INSURANS DEPOSIT MALAYSIA.
g) In effecting a sale or purchase of NID, the seller or buyer of a NID shall each forward a written notification to their respective Authorised
Depositories on the sale and purchase of a NID and the identity of the counterparty, to allow the seller’s Authorised Depository to deliver
the NID to the buyer’s Authorised Depository within the time frame stipulated in the Guidelines. Unless otherwise specified by the Bank,
such written notification together with such other documentation (such as transfer form or other documents, authorisations or instructions)
as may be required by the Bank duly executed by the buyer and seller, if applicable must be received by the Bank from the seller or buyer
of the NID for whom the Bank is the appointed Authorised Depository, at least two (2) Business Days before the date of transfer (“Trade
Date”).
Dalam melaksanakan penjualan atau pembelian NID, setiap penjual atau pembeli NID perlu menghantar pemberitahuan bertulis kepada
Depositori Diberi Kuasa mereka masing-masing mengenai penjualan dan pembelian NID dan identiti pihak balas, bagi membenarkan
Deposit Diberi Kuasa untuk menghantar NID kepada Depositori Diberi Kuasa bagi pembeli dalam jangka masa yang ditetapkan di dalam
Garis Panduan. Melainkan ditetapkan sebaliknya oleh pihak Bank, pemberitahuan bertulis tersebut berserta dengan dokumen lain (seperti
borang pemindahan atau dokumen, kebenaran atau arahan lain) yang mungkin diperlukan pihak Bank dilaksanakan seperti sepatutnya
oleh pembeli dan penjual, jika berkenaan mesti diterima oleh pihak Bank daripada penjual atau pembeli NID di mana Bank merupakan
Depositori Diberi Kuasa yang dilantik, sekurang-kurangnya dua (2) Hari Perniagaan sebelum tarikh pemindahan (“Hari Dagangan”).
h) In effecting a sale of NID, the Bank shall be entitled to conduct an assessment on the buyer’s suitability to purchase the NID and the Bank
is entitled to refuse the transfer of the NID to the buyer if the Bank’s assessment indicates that the NID is not suitable investment for the
buyer based on his risk profile.
Dalam melaksanakan penjualan NID, pihak bank berhak menjalankan pemeriksaan terhadap kesesuian pembeli untuk membeli NID
tersebut dan pihak bank berhak menolak pertukaran NID tersebut kepada pembeli jikalau permeriksaan bank mendapati NID tersebut
adalah tidak susuai terhadap pembeli berdasarkan profil risiko dia.
i) Settlements of trades in NIDs through RENTAS shall be effected within the cut-off times for settlement stipulated in the Guidelines and
must be made in Ringgit Malaysia. For FXNID, the settlement shall also be in Ringgit Malaysia equivalent of the amount in the relevant
foreign currency. For settlement outside RENTAS, settlement shall be made by means mutually agreed between buyer and seller.
Pelunasan dagangan NID melalui RENTAS adalah berkuat kuasa dalam tempoh cut off bagi pelunasan yang ditetapkan dalam Garis
Panduan dan mesti dibuat dalam Ringgit Malaysia. Bagi FXNID, pelunasan adalah juga dalam Ringgit Malaysia yang bersamaan dengan
jumlah dalam mata wang asing berkaitan. Bagi pelunasan di luar RENTAS, pelunasan akan dibuat dengan cara yang saling dipersetujui
antara pembeli dan penjual.
a) The Bank will pay the coupon (payable on each interest payment date) and the nominal value of the NID (payable on the maturity date of
the NID) to the Authorised Depository, acting on behalf of the Depositor or Bearer, in the following manner-:
Pihak Bank akan membayar kupon (perlu dibayar pada setiap tarikh bayaran faedah) dan nilai nominal NID (perlu dibayar pada tarikh
matang NID) kepada Depositori Diberi Kuasa, yang bertindak bagi pihak Pendeposit atau Pemegang, melalui cara berikut -:
i. if the NID certificate is presented over the counter or a debit notification is received by the Bank (where the NID is kept by the Bank)
Jika sijil NID diserahkan pada kaunter atau pemberitahuan debit diterima oleh pihak Bank (di mana NID disimpan oleh pihak Bank)
one day before the interest payment date, the Bank will pay the coupon proceeds, by 11.00 am or such later time as may be
permitted under the Guidelines on the interest payment date; / satu hari sebelum tarikh bayaran faedah, pihak Bank akan
membayar hasil kupon, pada pukul 11.00 pagi atau kemudian seperti yang dibenarkan di bawah Garis Panduan tarikh bayaran
faedah;
on or after the interest payment date, the Bank will pay the coupon proceeds, by 5.30 pm or such later time as may be permitted
under the Guidelines on the date that the NID certificate is presented or the debit notification is received; / pada atau selepas
tarikh bayaran faedah, pihak Bank akan membayar hasil kupon, pada pukul 5.30 petang atau kemudian seperti yang dibenarkan
di bawah Garis Panduan pada tarikh sijil NID diserahkan atau pemberitahuan debit diterima;/
ii. if the NID certificate is presented over the counter / jika sijil NID diserahkan pada kaunter/-:
one day before the maturity date, the Bank will pay the nominal value of the of the NID by 11.00 am or such later time as may be
permitted under the Guidelines; / satu hari sebelum tarikh matang, pihak Bank akan membayar nilai nominal NID pada pukul
11.00 pagi atau kemudian seperti yang dibenarkan di bawah Garis Panduan;
on or after the maturity date, the Bank will pay the nominal value of the of the NID by 5.30 pm or such later time as may be
permitted under the Guidelines; / pada atau selepas tarikh matang, pihak Bank akan membayar nilai nominal NID pada pukul
5.30 petang atau kemudian seperti yang dibenarkan di bawah Garis Panduan; /
iii. if an interest payment date or the maturity date, falls on a Sunday or known public holiday the coupon proceeds or the nominal value
as the case be, shall be payable on the next Business Day, but if the next Business Day crosses into the next month, the interest
payment date will be the preceding Business day before the interest payment date; / jika tarikh bayaran faedah atau tarikh matang,
jatuh pada hari Ahad atau cuti am yang diketahui hasil kupon atau nilai nominal mengikut keadaan, akan dibayar pada Hari
Perniagaan yang berikutnya, tetapi jika Hari Perniagaan berikut itu merentasi bulan yang akan datang, tarikh bayaran faedah adalah
pada hari Perniagaan sebelum tarikh bayaran faedah; /
Payment of Coupon and Redemption of NIDs (where Bank is issuer of NID) / Bayaran Kupon dan Penebusan NID (di mana Bank adalah penerbit NID)
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OCBC Bank (Malaysia) Berhad (295400-W) OCBC(M)/LEGAL/NID T & C (IND&CORP)-BM/01_2016
WARNING THIS PRODUCT IS PRINCIPAL GUARANTEED BY THE ISSUING BANK UPON MATURITY ONLY. IF THE PRODUCT IS REDEEMED OR SOLD PRIOR TO MATURITY, THE CUSTOMER MAY LOSE PART OF THE INITIAL DEPOSIT AMOUNT. THE CUSTOMER IS REMINDED THAT THIS PRODUCT IS NOT INSURED BY PERBADANAN INSURANS DEPOSIT MALAYSIA. WARNING (This risk warning statement is applicable to Floating Rate Negotiable Instruments of Deposits)
THIS PRODUCT IS PRINCIPAL GUARANTEED BY THE ISSUING BANK UPON MATURITY ONLY. IF THE PRODUCT IS REDEEMED OR SOLD PRIOR TO MATURITY, THE CUSTOMER MAY LOSE PART OF THE INITIAL DEPOSIT AMOUNT. THE RETURNS ON THIS PRODUCT ARE UNCERTAIN AND THE CUSTOMER RISKS EARNING NO RETURNS AT ALL. THE CUSTOMER IS REMINDED THAT THIS PRODUCT IS NOT INSURED BY PERBADANAN INSURANS DEPOSIT MALAYSIA.
OCBC Bank (Malaysia) Berhad (295400-W) OCBC(M)/LEGAL/NID T & C (IND&CORP)-BM/01_2016
iv. if an interest payment date or the maturity date, falls on an unexpected holiday in Kuala Lumpur , the coupon proceeds or the nominal
value as the case be, shall be payable on the next Business Day, irrespective whether the next Business Day crosses into the next month.
The Bank will pay compensatory interest calculated in the manner prescribed under the Guidelines only for the specific classes of NIDs
which the Bank is required under the Guidelines to pay such compensatory interest. / jika tarikh bayaran faedah atau tarikh matang, jatuh
pada hari cuti yang tidak dijangkakan di Kuala Lumpur, hasil kupon atau nilai nominal mengikut keadaan, perlu dibayar pada Hari
Perniagaan yang berikutnya, tanpa mengira sama ada Hari Perniagaan yang berikutnya merentasi bulan yang akan datang. Pihak Bank
akan membayar pampasan faedah yang dikira mengikut cara yang ditetapkan di bawah Garis Panduan hanya bagi kelas NID tertentu di
mana Garis Panduan menghendaki Bank untuk membayar pampasan faedah tersebut.
b) In the event the NID is presented after its maturity date or interest payment date, the Bank shall not be required to pay more than the
nominal value plus any applicable coupon proceeds or the coupon proceeds as the case may be, subject only to the provisions for
unexpected holiday in this Clause 3(a) (iv) above.
Sekiranya NID diserahkan selepas tarikh matang atau tarikh bayaran faedahnya, pihak bank tidak perlu untuk membayar lebih daripada
nilai nominal serta sebarang hasil kupon yang berkenaan atau hasil kupon mengikut keadaan, tertakluk hanya kepada peruntukan bagi hari
cuti yang tidak dijangkakan dalam Klausa 3(a) di atas.
c) All payments by the Bank of coupon and nominal value of an NID to an Authorised Depository (for the benefit of the Bearer of a NID) shall
be made by electronic funds transfer through RENTAS or by such other means as may be designated by the Bank or mutually agreed
between the Bank and the Authorised Depository.
Semua bayaran kupon dan nilai nominal NID oleh pihak Bank kepada Depositori Diberi Kuasa (bagi manfaat Pemegang NID)adalah dibuat
secara pemindahan dana elektronik melalui RENTAS atau cara-cara lain yang ditetapkan oleh pihak Bank atau yang saling dipersetujui
antara Bank dan Depositori Diberi Kuasa.
d) The Bank may issue NIDs with callable features in which the Bank reserves the right (but has no obligation) to prematurely redeem the NID
subject to the conditions stipulated under the Guidelines. In addition to the aforesaid, the Bank may purchase and redeem its own NID prior
to its maturity date subject to the NID having been issued and outstanding for at least 1 calendar month provided always if the NID is a
FRNID, the Bank may only redeem the NID prematurely on an interest payment date. Upon redemption of the NID or if the NID has been
called by the Bank, it shall be cancelled.
Pihak Bank boleh menerbitkan NID dengan ciri-ciri boleh panggil di mana Bank mempunyai hak (tetapi tidak mempunyai kewajipan) untuk
menebus sebelum matang NID tersebut tertakluk kepada syarat-syarat yang ditetapkan di bawah Garis Panduan. Selain daripada yang
tersebut di atas, pihak Bank boleh membeli dan menebus NIDnya sendiri sebelum tarikh matangnya tertakluk kepada NID tersebut telah
diterbitkan dan belum dilunaskan selama sekurang-kurangnya 1 bulan kalendar dengan syarat jika NID adalah merupakan FRNID, pihak
Bank hanya boleh menebus sebelum matang NID pada tarikh bayaran faedah. Apabila penebusan NID atau jika NID telah dipanggil oleh
pihak Bank, ia akan dibatalkan.
e) Save as provided in Clause 3(d) above, the Bank shall not buy its own NID and a person shall not sell to the Bank a NID issued by the
Bank.
Kecuali sebagaimana dinyatakan dalam Klausa 3(d) di atas, pihak Bank tidak akan membeli NIDnya sendiri dan sesiapapun tidak boleh
menjual NID yang diterbitkan oleh Bank kepada pihak Bank.
Denomination, Splitting and Combination of NIDs issued by the Bank / Denominasi, Pemecahan dan Gabungan NID yang diterbitkan oleh Bank.
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a) Bearers of NIDs may subject to payment of such fees as may be imposed by the Bank and the surrender of the NID certificate to the Bank,
request (i) Ringgit NIDs issued at denomination greater than RM60,000-00 be split into smaller denominations subject to a minimum
denomination of more than RM60,000-00 per certificate after splitting; or (ii) Ringgit NID be combined with one or more Ringgit NIDs of the
same issue to become one NID with a nominal value equal to the sum of the nominal values of the combined NIDs subject to a maximum
denomination of RM10 million per certificate after combination.
Pemegang NID adalah tertakluk permohonan kepada bayaran yuran yang boleh dikenakan oleh pihak Bank dan penyerahan sijil NID
kepada pihak Bank, (i) NID Ringgit diterbitkan pada denominasi yang lebih besar daripada RM60,000-00 dipecahkan kepada denominasi
yang lebih kecil tertakluk kepada denominasi minimum yang lebih daripada RM60,000-00 bagi setiap sijil selepas pemecahan; atau (ii) NID
Ringgit digabungkan dengan satu atau lebih NID Ringgit dari terbitan yang sama untuk menjadi satu NID dengan nilai nominal yang sama
dengan jumlah nilai nominal NID yang tergabung tertakluk kepada denominasi maksimum RM10 juta bagi setiap sijil selepas gabungan.
b) Upon splitting or combining the NID, the Bank will cancel the surrendered certificate and issue a new certificate (s) to the bearer as
replacement as soon as practicable but no later than 5 Business days or such other time frame as may be stipulated by the Bank after the
surrender of the old NID certificate.
Apabila pemecahan atau penggabungan NID, pihak Bank akan membatalkan sijil yang diserahkan dan menerbitkan sijil atau sijil-sijil baru
kepada pemegang sebagai ganti secepat yang praktik tetapi tidak lebih daripada 5 hari Perniagaan atau jangka masa lain yang ditetapkan
oleh pihak Bank selepas penyerahan sijil lama NID.
WARNING THIS PRODUCT IS PRINCIPAL GUARANTEED BY THE ISSUING BANK UPON MATURITY ONLY. IF THE PRODUCT IS REDEEMED OR SOLD PRIOR TO MATURITY, THE CUSTOMER MAY LOSE PART OF THE INITIAL DEPOSIT AMOUNT. THE CUSTOMER IS REMINDED THAT THIS PRODUCT IS NOT INSURED BY PERBADANAN INSURANS DEPOSIT MALAYSIA. WARNING (This risk warning statement is applicable to Floating Rate Negotiable Instruments of Deposits)
THIS PRODUCT IS PRINCIPAL GUARANTEED BY THE ISSUING BANK UPON MATURITY ONLY. IF THE PRODUCT IS REDEEMED OR SOLD PRIOR TO MATURITY, THE CUSTOMER MAY LOSE PART OF THE INITIAL DEPOSIT AMOUNT. THE RETURNS ON THIS PRODUCT ARE UNCERTAIN AND THE CUSTOMER RISKS EARNING NO RETURNS AT ALL. THE CUSTOMER IS REMINDED THAT THIS PRODUCT IS NOT INSURED BY PERBADANAN INSURANS DEPOSIT MALAYSIA.
WARNING THIS PRODUCT IS PRINCIPAL GUARANTEED BY THE ISSUING BANK UPON MATURITY ONLY. IF THE PRODUCT IS REDEEMED OR SOLD PRIOR TO MATURITY, THE CUSTOMER MAY LOSE PART OF THE INITIAL DEPOSIT AMOUNT. THE CUSTOMER IS REMINDED THAT THIS PRODUCT IS NOT INSURED BY PERBADANAN INSURANS DEPOSIT MALAYSIA. WARNING (This risk warning statement is applicable to Floating Rate Negotiable Instruments of Deposits)
THIS PRODUCT IS PRINCIPAL GUARANTEED BY THE ISSUING BANK UPON MATURITY ONLY. IF THE PRODUCT IS REDEEMED OR SOLD PRIOR TO MATURITY, THE CUSTOMER MAY LOSE PART OF THE INITIAL DEPOSIT AMOUNT. THE RETURNS ON THIS PRODUCT ARE UNCERTAIN AND THE CUSTOMER RISKS EARNING NO RETURNS AT ALL. THE CUSTOMER IS REMINDED THAT THIS PRODUCT IS NOT INSURED BY PERBADANAN INSURANS DEPOSIT MALAYSIA.
OCBC Bank (Malaysia) Berhad (295400-W) OCBC(M)/LEGAL/NID T & C (IND&CORP)-BM/01_2016
a) The Bank may, from time to time and at its discretion, accept and act upon instructions from the Depositor for the purchase of a NID or with
regard to any matter in connection with NID or the NID Account, whether such instructions are oral or written and whether given by
telephone, post, facsimile transmission or other electronic means (“Instructions”) and the Bank shall be entitled to rely, act on and treat
such Instructions as the proper and duly authorized instruction of the Depositor without enquiry on the part of the Bank as to the identity of
the person giving or purporting to give such notice or instructions or as to the authenticity of such Instructions. The NID issued pursuant to
such Instructions shall be binding on the Depositor and shall be for the Depositor’s account and risk. The Bank shall bear no responsibility
nor be liable for acting on any such Instructions, unless the loss is attributable solely to the negligence of the Bank. Instructions once issued
are irrevocable. The Bank shall be entitled to record all telephone conversations and Instructions relating to each NID and the Depositor
agrees that the Bank shall be entitled to use such recordings and transcripts thereof as evidence in any dispute. The Depositor
acknowledges that the Bank is only required to carry out Instructions in accordance with its established and regular business practices,
procedures and policies and accordingly may at its discretion decline any Instructions.
Pihak Bank boleh dari semasa ke semasa dan mengikut budi bicaranya, menerima dan bertindak atas arahan daripada Pendeposit bagi
pembelian NID atau berkaitan dengan sebarang perkara berhubung dengan NID atau Akaun NID, sama ada arahan tersebut adalah
secara lisan atau bertulis dan sama ada diberi melalui telefon, pos, penghantaran faksimile atau cara elektronik lain (“Arahan”) dan pihak
Bank adalah berhak untuk mempercayai, mengambil tindakan terhadap dan menganggap Arahan tersebut sebagai arahan Pendeposit
yang sah dan diberi kuasa seperti sepatutnya tanpa siasatan oleh pihak Bank mengenai identiti orang yang memberi atau dimaksudkan
telah memberi notis atau arahan tersebut atau kesahihan Arahan tersebut. NID yang diterbitkan selaras dengan Arahan tersebut adalah
terikat ke atas Pendeposit dan untuk tanggungan dan risiko Pendeposit. Pihak Bank tidak akan memikul sebarang tanggungjawab atau
dipertanggungjawabkan dalam melaksanakan mana-mana Arahan tersebut, melainkan jika kerugian itu adalah disebabkan semata-mata
oleh kecuaian Bank. Arahan-arahan yang dikeluarkan tidak boleh ditarik balik. Pihak Bank adalah berhak untuk merekodkan semua
perbualan telefon dan Arahan berkaitan setiap NID dan Pendeposit bersetuju bahawa pihak Bank berhak untuk menggunakan rakaman
dan transkrip tersebut sebagai bukti sekiranya terdapat pertikaian. Pendeposit mengakui bahawa Bank hanya perlu menjalankan Arahan
selaras dengan amalan perniagaan rasmi dan biasa, prosedur dan polisinya dan oleh itu ia boleh menurut budi bicaranya menolak
sebarang arahan.
b) The Bank will issue confirmation to the Depositor (“Confirmation”) after the execution of each Instruction for the purchase of NID.
Instructions relating to other matters will not be confirmed. The terms specified in each Confirmation shall be deemed to be agreed by the
Depositor unless the Bank receives notice in writing from the Depositor of any errors within fourteen (14) days after the issue date. All
Confirmations shall be final, conclusive and be binding on the Depositor, in the absence of manifest error.
Pihak Bank akan mengeluarkan pengesahan kepada Pendeposit (“Pengesahan”) selepas melaksanakan setiap Arahan dalam pembelian
NID. Arahan berkaitan perkara-perkara lain tidak akan disahkan. Terma-terma yang ditetapkan dalam setiap Pengesahan adalah dianggap
dipersetujui oleh Pendeposit melainkan pihak Bank menerima notis bertulis daripada Pendeposit mengenai sebarang kesilapan dalam
tempoh empat belas (14) hari selepas tarikh keluar. Semua Pengesahan adalah muktamad, tidak boleh dipertikaikan dan terikat ke atas
Pendeposit, melainkan terdapat kesilapan yang nyata.
c) The execution by the Bank of any Instructions shall constitute a binding contract and the Depositor shall be bound to perform the contract
according to its terms. Such transactions will not be subject to receipt by the Bank of any written confirmation from the Depositor or receipt
by the Depositor of a Confirmation issued by the Bank and if the Depositor fails to perform its obligations, the Depositor will be liable for and
shall indemnify the Bank for all cost and losses incurred or suffered.
Pelaksanaan mana-mana Arahan oleh pihak Bank membentuk kontrak yang mengikat dan Pendeposit adalah tertakluk untuk
melaksanakan kontrak tersebut menurut terma-termanya. Urus niaga tersebut tidak tertakluk dengan penerimaan oleh Bank sebarang
pengesahan bertulis daripada Pendeposit atau penerimaan oleh Pendeposit satu Pengesahan yang dikeluarkan oleh pihak Bank dan jika
Pendeposit gagal untuk melaksanakan kewajipannya, Pendeposit akan dipertanggungjawabkan dan perlu membayar ganti rugi kepada
Bank ke atas semua kos dan kerugian yang ditanggung dan dialami.
d) Any Confirmation, notice or communication to the Depositor shall be validly given if it is sent by facsimile, by personal despatch or courier,
by ordinary post or by e-mail to the Depositor’s last known residential/office address or its e-mail address registered with or maintained by
the Bank or is communicated to the Depositor by telephone.
Sebarang pemberian Pengesahan, notis atau komunikasi kepada Pendeposit adalah dikira sah sekiranya ia dihantar melalui faksimile,
serahan tangan atau kiriman cepat, pos biasa atau e-mel kepada alamat kediaman/pejabat terakhir Pendeposit yang diketahui atau alamat
e-melnya yang didaftarkan atau disenggarakan oleh pihak Bank atau disampaikan kepada Pendeposit melalui telefon.
Instructions on NIDs / Arahan ke atas NID 5
c) For NIDs issued in foreign currency, the denomination value, minimum and maximum nominal value, the amount on splitting or
combination, as the case may, be per certificate shall be in the foreign currency equivalent to the respective Ringgit values as stated in this
Clause 4(a).
Bagi NID yang diterbitkan dalam mata wang asing, nilai denominasi, nilai nominal minimum dan maksimum, amaun ke atas pemecahan
atau gabungan, mengikut keadaan, bagi setiap sijil adalah dalam mata wang asing yang bersamaan dengan nilai Ringgit masing-masing
seperti dinyatakan di dalam Klausa 4(a).
OCBC Bank (Malaysia) Berhad (295400-W) OCBC(M)/LEGAL/NID T & C (IND&CORP)-BM/01_2016
Withdrawal of the Principal Amount Prior to Maturity Date / Pengeluaran Amaun Prinsipal Sebelum Tarikh Matang
7
Withdrawal of the Deposit or termination by the Depositor and/or Bearer of any NIDs, or any part thereof, prior to the maturity date, may be
made upon such terms and conditions as the Bank may impose, including early termination charges (if any) or administrative fees, such charges
and fees permitted under the Guidelines and such other fees or charges as it may decide to impose subject to approval (if required) from BNM
or any other regulatory authority and to be calculated in accordance with such formula as the Bank may prescribe from time to time in
connection with that NID. While the Bank may provide periodic mark-to-market valuations to the Depositor and/or Bearer, the Depositor and/or
Bearer acknowledge and agree that the Bank’s determination of the value of the NID prior to the maturity date in accordance with its usual
practices from time to time prevailing shall, in the absence of manifest error, be final, conclusive and binding notwithstanding that the Depositor
and/or Bearer have the right to raise any query or require clarification or particulars of the manner of calculation relating thereto.
Pengeluaran Deposit atau penamatan oleh Pendeposit dan/atau Pemegang bagi mana-mana NID, atau mana-mana bahagian daripadanya,
sebelum tarikh matang, boleh dibuat berdasarkan terma-terma dan syarat-syarat yang ditetapkan oleh Bank, termasuk caj bagi penamatan awal
(jika ada) atau yuran pentadbiran, caj dan yuran yang dibenarkan di bawah Garis Panduan dan lain-lain yuran atau caj yang ia boleh kenakan
tertakluk kepada kebenaran (jika diperlukan) daripada BNM atau mana-mana pihak berkuasa kawalan dan akan dikira selaras dengan formula
yang ditetapkan oleh Bank dari semasa ke semasa berhubung dengan NID tersebut. Sementara Bank boleh memberikan penilaian berkala
“mark-to-market” kepada Pendeposit dan/atau Pemegang, Pendeposit dan/atau Pemegang mengakui dan bersetuju bahawa penetapan nilai
NID oleh Bank sebelum tarikh matang adalah selaras dengan amalan biasanya yang akan berlaku dari masa ke masa, melainkan terdapat
kesilapan yang nyata, adalah muktamad, tidak dapat dipertikaikan dan terikat tanpa mengambil kira bahawa Pendeposit dan/atau Pemegang
mempunyai hak untuk membangkitkan persoalan atau mendapatkan penjelasan atau butiran cara pengiraan berkaitannya.
Bank Not Liable / Bank Tidak Bertanggungjawab 8
The Bank shall have no liability whatsoever and shall not in any way be liable for any delay or failure on its part to perform any obligations
hereunder or for any inconvenience, loss, injury, damages suffered or incurred by the Depositor or Bearer due to any reason beyond the Bank’s
control, including but not limited to restrictions on convertibility or transferability, fire, earthquake, flood, epidemic, natural catastrophe, accident,
riots, civil disturbances, industrial dispute, act of public enemy, embargo, war, act of God or any failure or disruption to telecommunication,
network services, electricity, water, fuel supply (such as breakdown or failure or temporary disruption of transmission or communication or
computer facilities, network services or electrical power outage) or any factor in a nature of a force majeure.
Pihak Bank tidak mempunyai apa-apa tanggungjawab dan tidak akan dipertanggungjawabkan terhadap sebarang kelewatan atau kegagalan di
pihaknya dalam melaksanakan kewajipan di bawah ini atau terhadap sebarang kesulitan, kehilangan, kecederaan, kerosakan yang dialami atau
ditanggung oleh Pendeposit atau Pemegang yang disebabkan oleh sebarang keadaan di luar kawalan Bank, termasuk tetapi tidak terhad
kepada sekatan ke atas pertukaran atau pemindahan, kebakaran, gempa bumi, banjir, wabak, malapetaka alam, kemalangan, rusuhan,
gangguan awam, pertikaian industri, tindakan musuh awam, sekatan, peperangan, bencana alam atau sebarang kegagalan atau gangguan
dalam telekomunikasi, perkhidmatan rangkaian, bekalan elektrik, air, bekalan bahan api (seperti kerosakan atau kegagalan atau gangguan
sementara siaran atau komunikasi atau kemudahan komputer, perkhidmatan rangkaian atau ketiadaan kuasa elektrik) atau sebarang faktor
force majeure.
Calculation Agent / Ejen Pengiraan 6
The Bank shall be the calculation agent for the purposes of determining the various amounts payable or the value of the Underlying Asset (in the
case of FRNID), as the case may be. The Bank shall discharge its duty as calculation agent in good faith.
Pihak Bank merupakan ejen pengiraan bagi tujuan menentukan pelbagai amaun yang perlu dibayar atau nilai Aset Asas (dalam hal FRNID),
mengikut keadaan. Bank akan menjalankan tugas sebagai ejen pengiraan yang boleh dipercayai.
e) The Bank shall be under no duty to enquire into the genuineness or authenticity of the Instructions and these terms and conditions shall not
be affected by any misuse or unauthorized use of such communication. The Depositor shall indemnify the Bank in full against all loss,
claims, demands, costs, damages, expenses and all other liabilities whatever which the Bank may incur in consequence of its accepting
and acting on such Instructions, unless the loss is attributable solely to the negligence of the Bank.
Pihak Bank tidak bertanggungjawab untuk menyiasat ketulenan atau kesahihan Arahan dan terma-terma dan syarat-syarat ini tidak akan
terjejas akibat sebarang penyalahgunaan atau penggunaan komunikasi tanpa diberi kuasa. Pendeposit akan membayar ganti rugi kepada
Bank sepenuhnya ke atas semua kerugian, dakwaan, tuntutan, kos, kerosakan, perbelanjaan dan semua liabiliti lain yang mungkin Bank
terpaksa tanggung akibat daripada penerimaan dan tindakannya atas Arahan tersebut, melainkan jika kerugian itu adalah disebabkan
semata-mata oleh kecuaian Bank.
f) In addition to the aforesaid, the Bank may prior to acting on any Instructions with regard to an NID or the NID Account (whether or not the
Bank is also the issuer of the NID) require from the Depositor or Bearer such other documentation (such as transfer form, redemption form
or other documents or authorisations duly issued or executed by parties prescribed by the Bank) and further stipulating that such
documentation must be received by the Bank within a prescribed number of days before the Instructions can be effected.
Selain daripada yang tersebut di atas, pihak Bank boleh sebelum bertindak atas mana-mana Arahan berkaitan NID atau Akaun NID (sama
ada atau tidak Bank juga merupakan penerbit NID) meminta daripada Pendeposit atau Pemegang dokumentasi lain (seperti borang
pemindahan, borang penebusan atau lain-lain dokumen atau kebenaran yang dikeluarkan atau dilaksanakan seperti sepatutnya oleh
pihak-pihak yang ditetapkan oleh Bank) dan seterusnya menetapkan bahawa dokumentasi tersebut mesti diterima oleh pihak Bank dalam
beberapa hari yang ditentukan sebelum Arahan boleh dikuatkuasakan.
WARNING THIS PRODUCT IS PRINCIPAL GUARANTEED BY THE ISSUING BANK UPON MATURITY ONLY. IF THE PRODUCT IS REDEEMED OR SOLD PRIOR TO MATURITY, THE CUSTOMER MAY LOSE PART OF THE INITIAL DEPOSIT AMOUNT. THE CUSTOMER IS REMINDED THAT THIS PRODUCT IS NOT INSURED BY PERBADANAN INSURANS DEPOSIT MALAYSIA. WARNING (This risk warning statement is applicable to Floating Rate Negotiable Instruments of Deposits)
THIS PRODUCT IS PRINCIPAL GUARANTEED BY THE ISSUING BANK UPON MATURITY ONLY. IF THE PRODUCT IS REDEEMED OR SOLD PRIOR TO MATURITY, THE CUSTOMER MAY LOSE PART OF THE INITIAL DEPOSIT AMOUNT. THE RETURNS ON THIS PRODUCT ARE UNCERTAIN AND THE CUSTOMER RISKS EARNING NO RETURNS AT ALL. THE CUSTOMER IS REMINDED THAT THIS PRODUCT IS NOT INSURED BY PERBADANAN INSURANS DEPOSIT MALAYSIA.
Bank Discharged from Further Liability after Payments / Bank Terlepas daripada Liabiliti Seterusnya selepas Pembayaran
9
a) The Bank shall be discharged from its entire liability as the issuer of a NID in respect of payment of coupon proceeds or payment of the
nominal value on maturity date or redemption proceeds (upon exercise of its call or early redemption prior to maturity date), upon payment
of such proceeds to the Authorised Depository of the Bearer by electronic fund transfer through RENTAS or by such other mode as
designated by the Bank or agreed with the Authorised Depository.
Pihak Bank adalah terlepas daripada seluruh liabilitinya sebagai penerbit NID berhubung pembayaran hasil kupon atau pembayaran nilai
nominal pada tarikh matang atau hasil penebusan (apabila pelaksanaan panggilannya atau penebusan awal sebelum tarikh matang),
apabila pembayaran hasil tersebut kepada Depositori Diberi Kuasa bagi Pemegang secara pemindahan dana elektronik melalui RENTAS
atau cara lain yang ditetapkan pihak Bank atau dipersetujui oleh Depositori Diberi Kuasa.
b) Where the Bank is the Authorised Depository (whether or not the Bank is also the issuer of the NID), the Bank shall be discharged from its
entire liability as Authorised Depository upon crediting the coupon proceeds or nominal value on maturity date or redemption proceeds as
the case may be, to the designated account of the Depositor or Bearer. The Depositor and the Bearer shall have no claims whatsoever
against the Bank as issuer of the NID or as Authorised Depository in respect of any loss or deficiency in such proceeds.
Di mana pihak Bank merupakan Depositori Diberi Kuasa (sama ada Bank adalah juga penerbit NID atau tidak), Bank adalah terlepas
daripada seluruh liabilitinya sebagai Depositori Diberi Kuasa selepas perkreditan hasil kupon atau nilai nominal pada tarikh matang atau
penebusan hasil mengikut keadaan, kepada akaun Pendeposit atau Pemegang yang ditetapkan. Pendeposit dan Pemegang tidak berhak
menuntut apa-apa daripada Bank sebagai penerbit NID atau Depositori Diberi Kuasa berhubung dengan sebarang kerugian atau
kekurangan dalam hasil tersebut.
c) The Bank shall be entitled to effect payments of coupon proceeds, nominal value or redemption proceeds under this Clause net of any
deductions, withholding tax or any other taxes, including goods and services tax or levies imposed on such payments or transfers under
the law.
Pihak Bank adalah berhak untuk melaksanakan pembayaran hasil kupon, nilai nominal atau hasil penebusan di bawah Klausa ini bersih
daripada sebarang pemotongan, cukai tertahan atau mana-mana cukai lain, termasuk cukai barangan dan perkhidmatan atau levi yang
dikenakan ke atas bayaran atau pemindahan tersebut di bawah undang-undang.
d) In the event that any goods and services tax, consumption tax, value added tax or any tax of similar nature is now or hereafter required by
law to be paid on or in respect of any sums payable to the Bank, the same shall (except to the extent prohibited by law) be borne by you
and you shall pay to the Bank on demand a sum equivalent to the amount of such goods and services tax or other taxes, levies or charges.
Sekiranya apa-apa cukai barang dan perkhidmatan, cukai penggunaan, cukai nilai tambah atau apa-apa cukai yang bersifat seumpama
kini atau selepas ini dikehendaki menurut undang-undang untuk dibayar atas atau berhubung dengan apa-apa jumlah wang yang perlu
dibayar kepada Bank, cukai yang sama hendaklah (kecuali setakat yang dilarang oleh undang-undang) ditanggung oleh anda dan anda
hendaklah membayar kepada Bank apabila diminta, jumlah yang bersamaan dengan amaun cukai barang dan perkhidmatan atau lain-lain
cukai, levi atau caj tersebut.
OCBC Bank (Malaysia) Berhad (295400-W) OCBC(M)/LEGAL/NID T & C (IND&CORP)-BM/01_2016
WARNING THIS PRODUCT IS PRINCIPAL GUARANTEED BY THE ISSUING BANK UPON MATURITY ONLY. IF THE PRODUCT IS REDEEMED OR SOLD PRIOR TO MATURITY, THE CUSTOMER MAY LOSE PART OF THE INITIAL DEPOSIT AMOUNT. THE CUSTOMER IS REMINDED THAT THIS PRODUCT IS NOT INSURED BY PERBADANAN INSURANS DEPOSIT MALAYSIA. WARNING (This risk warning statement is applicable to Floating Rate Negotiable Instruments of Deposits)
THIS PRODUCT IS PRINCIPAL GUARANTEED BY THE ISSUING BANK UPON MATURITY ONLY. IF THE PRODUCT IS REDEEMED OR SOLD PRIOR TO MATURITY, THE CUSTOMER MAY LOSE PART OF THE INITIAL DEPOSIT AMOUNT. THE RETURNS ON THIS PRODUCT ARE UNCERTAIN AND THE CUSTOMER RISKS EARNING NO RETURNS AT ALL. THE CUSTOMER IS REMINDED THAT THIS PRODUCT IS NOT INSURED BY PERBADANAN INSURANS DEPOSIT MALAYSIA.
Bank’s Fees & Charges / Yuran & Caj Bank 10
The Bank shall charge the Depositor and/or Bearer such fees and charges as may be permitted under the Guidelines and such other fees or
charges as it may decide to impose subject to approval (if required) from BNM or any other regulatory authority. Such fees and charges shall be
paid in full (without any deductions, set-off or withholdings) and may be deducted by the Bank from the Deposit or the Depositor’s other
accounts with the Bank. The fees and charges of the Bank are exclusive of goods and services tax, or any other tax of similar nature (“indirect
tax”) which if payable shall be for the account of the Depositor and/or Bearer. If any deduction or withholding is required by law, the Depositor
and/or Bearer shall forthwith pay to the Bank or authorize the Bank to deduct from his account, such additional amount so that the net amount
received by the Bank will equal the full amount which would have been received by it had no such deduction or withholding been made.
Pihak Bank akan mengenakan kepada Pendeposit dan/atau Pemegang, yuran dan caj yang dibenarkan di bawah Garis Panduan dan mana-
mana yuran atau caj lain yang ia boleh putuskan untuk dikenakan tertakluk kepada kebenaran (jika diperlukan) daripada BNM atau mana-mana
pihak berkuasa kawalan lain. Yuran dan caj tersebut perlu dibayar penuh (tanpa sebarang pemotongan, pengurangan atau penahanan) dan
boleh dipotong oleh Bank daripada Deposit atau akaun lain Pendeposit yang dibuka dengan Bank. Yuran dan caj Bank adalah tidak termasuk
cukai barangan dan perkhidmatan, atau mana-mana cukai lain yang sama jenis (“cukai tidak langsung”) yang jika perlu dibayar adalah untuk
akaun Pendeposit dan/atau Pemegang. Jika undang-undang memerlukan pemotongan atau penahanan, Pendeposit dan/atau Pemegang perlu
membayar kepada pihak Bank atau memberi kuasa kepada Bank untuk memotong daripada akaunnya, amaun tambahan tersebut agar amaun
bersih yang diterima oleh Bank bersamaan dengan amaun penuh yang patut diterimanya sekiranya tiada pemotongan atau penahanan dibuat.
OCBC Bank (Malaysia) Berhad (295400-W) OCBC(M)/LEGAL/NID T & C (IND&CORP)-BM/01_2016
Bearer of NID bound by these Terms and Conditions NID / Pemegang NID terikat dengan Terma-terma dan Syarat-syarat ini
11
a) The Bearer of a NID issued by the Bank (regardless whether the Bank is also the Authorised Depository of the NID) shall be bound by
these terms and conditions and the Bank’s specifications, terms and conditions for the NID set out in the relevant Term Sheet, the relevant
Confirmation Letter and in the NID certificate.
Pemegang NID yang diterbitkan Bank (tidak mengira sama ada Bank adalah juga merupakan Depositori Diberi Kuasa bagi NID) adalah
terikat oleh terma-terma dan syarat-syarat ini dan spesifikasi bank, terma-terma dan syarat-syarat bagi NID yang dinyatakan dalam
Penyata Terma berkaitan, Surat Pengesahan berkaitan dan sijil NID.
b) These Terms and Conditions shall be governed by the laws of Malaysia and the Depositor and Bearer irrevocably agrees to submit to the
non-exclusive jurisdiction of the courts of Malaysia.
Terma-terma dan Syarat-syarat ini adalah dikawal oleh undang-undang Malaysia dan Pendeposit dan Pemegang tanpa boleh batal
bersetuju untuk menyerah kepada bidang kuasa tidak eksklusif mahkamah Malaysia.
Communications / Komunikasi 12
a) The Depositor and/or Bearer shall notify the Bank in writing (or, in such other mode(s) and/or methods agreed by the Bank from time to
time) of any change in the Depositor and/or Bearer’s particulars. The Bank shall be deemed to have notice of the Depositor and/or Bearer’s
change in particulars only if the Bank has actually received notice of such change.
Pendeposit dan/atau Pemegang perlu memaklumkan kepada pihak Bank secara bertulis (atau, dengan cara atau cara-cara lain dan/atau
kaedah yang dipersetujui oleh Bank dari semasa ke semasa) mengenai sebarang perubahan dalam butiran Pendeposit dan/atau
Pemegang.Pihak Bank akan dianggap telah mendapat notis dari Pendeposit dan/atau Pemegang dalam pertukaran maklumat hanya jika
pihak bank telah mendapat notis pertukaran tersebut.
b) Any Confirmation, notice or communication (“Communications”) to the Depositor and/or Bearer shall be validly given if it is sent by facsimile,
by personal dispatch or courier, by ordinary post or by e-mail to the Depositor and/or Bearer’s last know residential/office address or its e-
mail address registered with or maintained by the Bank or is communicated to the Depositor and/or Bearer by telephone.
Sebarang pemberian Pengesahan, notis atau komunikasi (“Komunikasi”) kepada Pendeposit dan/atau Pemegang adalah dianggap sah jika
ia dihantar melalui faksimile, melalui serahan tangan atau kiriman cepat, melalui pos biasa atau melalui e-mel kepada alamat
kediaman/pejabat terakhir Pendeposit dan/atau Pemegang yang diketahui atau alamat e-melnya yang didaftarkan dengan atau
disenggarakan oleh pihak Bank atau memaklumkan kepada Pendeposit dan/atau Pemegang melalui telefon.
Miscellaneous / Lain-lain 13
a) Where the Bank is the issuer of a NID and is also the Authorised Depository for the Depositor or Bearer, the following provisions shall apply
in respect of the Depositor and the Bearer of such NID-:
Di mana pihak Bank merupakan penerbit NID dan juga Depositori Diberi Kuasa bagi Pendeposit atau Pemegang, peruntukan berikut akan
diguna pakai berkaitan dengan Pendeposit dan Pemegang NID tersebut-:
i. Where 2 or more persons are included in the term “Depositor” or “Bearer” all obligations and covenants in these Terms and Conditions
shall be deemed to be made by and binding on each of the Depositor or Bearer (as the case maybe) jointly and severally and the
property in the NID shall be deemed a joint property (or joint deposit) with right of survivorship; / Di mana terdapat 2 atau lebih orang
dimasukkan dalam istilah “Pendeposit” atau “Pemegang” semua kewajipan dan perjanjian dalam Terma-terma dan Syarat-syarat
adalah dianggap dibuat oleh dan terikat ke atas setiap Pendeposit atau Pemegang (mengikut keadaan) secara bersama dan
berasingan dan pemilikan dalam NID adalah dianggap sebagai pemilikan bersama (atau deposit bersama) dengan hak kemandirian;/
ii. The Deposit and the rights under the NID and the NID Account shall not be terminated by the death or incapacity of any of the
Depositor or Bearer but shall remain in full force for the remaining Depositor or Bearer. Upon notice of death of any one or more of the
Depositors or Bearers, the Bank shall be entitled to pay the coupon proceeds and/or the nominal value of the NID to the survivor and if
more than one survivor in their joint names provided that prior to such payment the Bank shall be entitled with 7 days prior notice set
off the indebtedness of any of the Depositors or Bearers under any account with the Bank and/or with any company within the OCBC
Group (as defined below) from the payment; / Deposit dan hak-hak NID dan Akaun NID tidak akan ditamatkan disebabkan kematian
atau ketidaklayakan mana-mana Pendeposit atau Pemegang tetapi akan kekal berkuat kuasa sepenuhnya bagi Pendeposit atau
Pemegang yang tinggal. Selepas notis kematian mana-mana Pendeposit atau Pemegang, pihak Bank adalah berhak untuk membayar
hasil kupon dan/atau nilai nominal NID kepada yang masih hidup dan jika lebih daripada seorang yang masih hidup dalam nama
bersama mereka dengan syarat sebelum bayaran tersebut pihak Bank berhak dengan 7 hari notis terdahulu untuk menolak hutang
mana-mana Pendeposit atau Pemegang daripada mana-mana akaun yang dibuka dengan Bank dan/atau dengan mana-mana
syarikat dalam Kumpulan OCBC (seperti diterangkan di bawah) daripada bayaran.
iii. In the case of corporate Depositors, all obligations and covenants in these Terms and Conditions shall be binding and ensure to the
benefit of the successors-in-title of the Depositor. / Dalam hal Pendeposit korporat, semua kewajipan dan perjanjian dalam Terma-
terma dan Syarat-syarat ini adalah terikat dan digunakan bagi manfaat waris Pendeposit yang berhak.
WARNING THIS PRODUCT IS PRINCIPAL GUARANTEED BY THE ISSUING BANK UPON MATURITY ONLY. IF THE PRODUCT IS REDEEMED OR SOLD PRIOR TO MATURITY, THE CUSTOMER MAY LOSE PART OF THE INITIAL DEPOSIT AMOUNT. THE CUSTOMER IS REMINDED THAT THIS PRODUCT IS NOT INSURED BY PERBADANAN INSURANS DEPOSIT MALAYSIA. WARNING (This risk warning statement is applicable to Floating Rate Negotiable Instruments of Deposits)
THIS PRODUCT IS PRINCIPAL GUARANTEED BY THE ISSUING BANK UPON MATURITY ONLY. IF THE PRODUCT IS REDEEMED OR SOLD PRIOR TO MATURITY, THE CUSTOMER MAY LOSE PART OF THE INITIAL DEPOSIT AMOUNT. THE RETURNS ON THIS PRODUCT ARE UNCERTAIN AND THE CUSTOMER RISKS EARNING NO RETURNS AT ALL. THE CUSTOMER IS REMINDED THAT THIS PRODUCT IS NOT INSURED BY PERBADANAN INSURANS DEPOSIT MALAYSIA.
OCBC Bank (Malaysia) Berhad (295400-W) OCBC(M)/LEGAL/NID T & C (IND&CORP)-BM/01_2016
b) In the case of joint applicants (i) all instructions on a primary purchase of NID or with regard to any matter in connection with NID or the NID
Account shall be given by all the Depositors named in the NID Application Form unless otherwise instructed in writing by all the Depositors;
and (ii) all instructions with regard to the rights and entitlements of the Bearer (including with regard to the opening, operation or closure of
the account of the Bearer with the Bank as Authorised Depository for the NID) under the NID, shall be given by all the applicants named in
the NID Application Form unless otherwise instructed in writing by all the applicants. In the case of corporate Depositor, all instructions shall
be given by the person authorized by the corporate Depositor. If prior to acting on any instructions given by the person authorised by the
respective applicants named in the NID Application Form, the Bank receives contradictory instructions from the other Depositor or Bearer,
the Bank may choose to act only on the mandate of all the Depositors or all the Bearers as the case maybe.
Dalam hal pemohon bersama (i) semua arahan mengenai pembelian utama NID atau yang berkenaan dengan sebarang perkara
berhubung dengan NID atau Akaun NID akan diberi oleh Pendeposit yang dinamakan dalam Borang Permohonan NID melainkan
sebaliknya diarahkan secara bertulis oleh semua Pendeposit; dan (ii) semua arahan berkenaan dengan hak dan kelayakan Pemegang
(termasuk berkenaan dengan pembukaan, pengendalian atau penutupan akaun Pemegang dengan Bank sebagai Depositori Diberi Kuasa
bagi NID) di bawah NID, adalah diberi oleh semua pemohon yang dinamakan dalam Borang Permohonan NID melainkan sebaliknya
diarahkan secara bertulis oleh semua pemohon. Dalam hal Pendeposit korporat, semua arahan adalah diberi oleh orang yang diberi kuasa
oleh Pendeposit korporat. Jika sebelum bertindak atas arahan yang diberi oleh orang yang diberi kuasa oleh pemohon masing-masing
yang dinamakan di dalam Borang Permohonan NID, pihak Bank menerima arahan bercanggah daripada Pendeposit atau Pemegang lain,
Bank boleh memilih untuk bertindak hanya melalui mandat semua Pendeposit atau semua Pemegang mengikut keadaan.
c) In addition to any general lien or similar right to which the Bank may be entitled by law, and notwithstanding any provisions of these Terms
and Conditions, the Bank shall be entitled at any time by giving 7 days prior notice to the Depositor or Bearer to combine, consolidate or
merge their NID Account with all or any of their other accounts with the Bank and set-off any amount or transfer any sum standing to the
credit of any such account(s) with the Bank in or towards satisfaction of their liabilities with the Bank and/or with any company within the
OCBC Group (as defined below).
Selain daripada mana-mana lien am atau hak yang serupa di mana pihak Bank berhak di sisi undang-undang, dan tanpa mengambil kira
mana-mana peruntukan Terma-terma dan Syarat-syarat ini, pihak Bank adalah berhak dan boleh pada bila-bila masa dengan memberi
notis awal 7 hari ke atas Pendeposit atau Pemegang untuk menggabungkan, menyatukan atau mencantumkan Akaun NID mereka dengan
semua atau mana-mana akaun mereka yang lain dengan Bank dan mengurangkan mana-mana amaun atau memindahkan mana-mana
jumlah yang ada pada kredit mana-mana akaun tersebut dengan Bank dalam atau untuk menyelesaikan liabiliti mereka dengan Bank
dan/atau dengan mana-mana syarikat dalam Kumpulan OCBC (seperti dijelaskan di bawah).
d) Subject to the Depositor or Bearer’s express instruction (if any) restricting disclosure, the Depositor or Bearer’s personal data, account
details, relationship with the Bank and the terms of the Investments (“Information”) will be disclosed to persons or bodies to whom the Bank
is legally required or permitted by law to disclose or is approved in writing by Bank Negara Malaysia to disclose or is now or hereafter
permitted in writing by the Depositor or Bearer to disclose.
Tertakluk kepada arahan nyata Pendeposit atau Pemegang (jika ada) yang mengehadkan pendedahan, data peribadi Pendeposit atau
Pemegang, butiran akaun, hubungan dengan Bank dan terma-terma Pelaburan (“Maklumat”) akan didedahkan kepada orang atau badan
kepada mana Bank diperlukan secara undang-undang atau dibenarkan oleh undang-undang untuk mendedahkan atau diluluskan secara
bertulis oleh Bank Negara Malaysia untuk mendedahkan atau pada masa ini atau selepas ini dibenarkan secara bertulis oleh Pendeposit
atau Pemegang untuk mendedahkan.
e) Without limiting Clause 13(d), the Depositor or Bearer expressly consent to the disclosure of the Information to the parties and for the
purposes set out in the table below:
Tanpa mengehadkan Klausa 13(d), Pendeposit atau Pemegang bersetuju secara nyata kepada pendedahan Maklumat kepada pihak-pihak
dan bagi tujuan yang dibentangkan dalam jadual di bawah:
WARNING THIS PRODUCT IS PRINCIPAL GUARANTEED BY THE ISSUING BANK UPON MATURITY ONLY. IF THE PRODUCT IS REDEEMED OR SOLD PRIOR TO MATURITY, THE CUSTOMER MAY LOSE PART OF THE INITIAL DEPOSIT AMOUNT. THE CUSTOMER IS REMINDED THAT THIS PRODUCT IS NOT INSURED BY PERBADANAN INSURANS DEPOSIT MALAYSIA. WARNING (This risk warning statement is applicable to Floating Rate Negotiable Instruments of Deposits)
THIS PRODUCT IS PRINCIPAL GUARANTEED BY THE ISSUING BANK UPON MATURITY ONLY. IF THE PRODUCT IS REDEEMED OR SOLD PRIOR TO MATURITY, THE CUSTOMER MAY LOSE PART OF THE INITIAL DEPOSIT AMOUNT. THE RETURNS ON THIS PRODUCT ARE UNCERTAIN AND THE CUSTOMER RISKS EARNING NO RETURNS AT ALL. THE CUSTOMER IS REMINDED THAT THIS PRODUCT IS NOT INSURED BY PERBADANAN INSURANS DEPOSIT MALAYSIA.
Parties to Whom Information can be Disclosed
Pihak kepada mana Maklumat boleh didedahkan
Purposes/Circumstances for Disclosure of Information
Tujuan/Keadaan bagi Pendedahan Maklumat
1. The Bank’s data processors and service providers, both within and
outside Malaysia;
Pemproses data dan pembekal perkhidmatan Bank, kedua-dua di
dalam dan di luar Malaysia;
For the performance of services for the Bank.
Bagi pelaksanaan perkhidmatan bagi Bank.
2. The Bank’s related corporations and associated companies, both in
or outside Malaysia, their assignees and successors-in-title;
Perbadanan berkaitan dan syarikat bersekutu Bank, kedua-dua di
dalam dan di luar Malaysia, penerima hak milik dan pengganti hak
milik mereka;
For cross selling, service improvement and market research.
Bagi jualan silang, penambahbaikan perkhidmatan dan
penyelidikan pasaran.
3. Regulatory authorities/law enforcement bodies both within and
outside Malaysia including pursuant to the Foreign Account Tax
Compliance Act of the United States;
Badan-badan kawalan selia/penguat kuasa undang-undang kedua-
dua di dalam dan di luar Malaysia termasuk menurut Akta
Pematuhan Cukai Akaun Asing Amerika Syarikat;
For compliance with law and regulations.
Bagi pematuhan undang-undang dan peraturan.
OCBC Bank (Malaysia) Berhad (295400-W) OCBC(M)/LEGAL/NID T & C (IND&CORP)-BM/01_2016
Parties to Whom Information can be Disclosed
Pihak kepada mana Maklumat boleh didedahkan
Purposes/Circumstances for Disclosure of Information
Tujuan/Keadaan bagi Pendedahan Maklumat
4. Cagamas Berhad, Credit Guarantee Corporation (Malaysia) Berhad
and other governmental agencies set up to acquire loans or stand
as guarantor for loans, mortgage insurers and reinsurers;
Cagamas Berhad, Credit Guarantee Corporation (Malaysia) Berhad
dan agensi kerajaan lain yang ditubuhkan untuk memperoleh
pinjaman dan menjadi penjamin bagi pinjaman, syarikat insurans
gadai janji dan syarikat insurans semula;
For sale or proposed sale of loans or to obtain guarantee or
mortgage insurance or insurance for the property (if any )
charged to the Bank.
Bagi jualan atau cadangan jualan pinjaman atau untuk
memperoleh jaminan atau insurans gadai janji atau insurans
bagi hartanah (jika ada) yang dicagarkan kepada Bank.
5. The Depositor or Bearer’s guarantor(s), security party(ies) and third
parties (such as purchaser of any property charged to the Bank);
Penjamin Pendeposit atau Pemegang, pihak-pihak sekuriti dan
pihak ketiga (seperti pembeli mana-mana hartanah yang dicagarkan
kepada Bank);
Parties who have liability for the facilities or have entered into
agreement to purchase any property charged to the Bank or
intend to settle the facilities
Pihak yang mempunyai liabiliti bagi kemudahan atau telah
menandatangani perjanjian untuk membeli mana-mana
hartanah yang dicagarkan kepada Bank atau berhasrat untuk
melangsaikan kemudahan tersebut.
6. Vendors, proprietors, contractors of property (if any) given or
intended to be given as security to the Bank and custodians;
Pembekal, tuan punya, kontraktor hartanah (jika ada) diberikan atau
dihasratkan untuk diberikan sebagai cagaran kepada Bank dan
penjaga;
Parties who have entered or intend to enter into commercial
transaction with you or the security party which are financed or
part financed by the Bank.
Pihak yang telah memasuki atau berhasrat untuk memasuki
urus niaga komersial dengan anda atau pihak sekuriti yang
dibiayai atau dibiayai sebahagiannya oleh Bank.
7. Lawyers, valuers, accountants, quantity surveyors, insurers,
insurance brokers, specialists in fraud, information technology and
other professionals/ consultants/specialists to render professional or
specialist services to the Bank in relation to any matter of law,
accountancy, valuation, insurance or any other matters requiring
professional or specialist knowledge or advice;
Peguam, penilai, akauntan, juruukur bahan, syarikat insurans,
broker insurans, pakar dalam penipuan, teknologi maklumat dan
lain-lain profesional/ perunding/pakar untuk memberikan
perkhidmatan profesional atau kepakaran kepada Bank berhubung
apa-apa hal undang-undang, perakaunan, penilaian, insurans atau
apa-apa hal lain yang memerlukan pengetahuan atau khidmat
nasihat profesional atau pakar;
For professional advice and consultation from professionals
engaged by Bank.
Bagi khidmat nasihat profesional dan rundingan daripada
profesional yang dilantik oleh Bank.
8. The Depositor or Bearer’s authorised agents, executor,
administrator or legal representative; and
Ejen berkuasa, wasi, pentadbir atau wakil sah Pendeposit atau
Pemegang; dan
For purpose of managing the Depositor or Bearer’s affairs.
Bagi tujuan menguruskan hal ehwal Pendeposit atau
Pemegang.
9. The Bank’s assignees or acquirers, potential assignees or acquirers
and successors-in-title.
Penerima hak milik atau pemeroleh, bakal penerima hak atau
pemeroleh dan pengganti hak milik Bank.
For reorganization including disposal of the whole or any part
of the Bank’s business.
Bagi penyusunan semula termasuk pelupusan keseluruhan
atau mana-mana bahagian perniagaan Bank.
f) The Depositor or Bearer irrevocably consent to and authorize the Bank to conduct credit checks and verify information given by the
Depositor or Bearer to the Bank, with any party (including without limitation with any credit bureau, organization or corporation set up for the
purposes of collecting and providing credit or other information).
Pelanggan bersetuju tanpa ditarik balik dan memberi kuasa kepada pihak Bank untuk menjalankan semakan kredit dan mengesahkan
maklumat yang diberi oleh Pelanggan kepada Bank, dengan mana-mana pihak (termasuk tanpa had dengan mana-mana biro kredit,
organisasi atau perbadanan yang ditubuhkan bagi tujuan mengumpul dan menyediakan maklumat kredit atau lain).
g) The Depositor or Bearer consent to the Bank’s disclosure of the Depositor or Bearer personal data (limited to the Depositor or Bearer name
and contact details) to organizations within OCBC Group (in Malaysia) which are in an arrangement or alliance with the Bank, for the
purpose of direct marketing of these organisations’ products and services. The Depositor or Bearer may at any time withdraw his/her/their
consent for direct marketing of such products or services by written request to the Bank.
Pelanggan mempersetujui pendedahan pihak Bank akan data peribadi Pelanggan (terhad kepada nama dan maklumat hubungan
Pelanggan) kepada organisasi dalam Kumpulan OCBC (di dalam Malaysia) yang mempunyai pengaturan atau perikatan dengan pihak
Bank, bagi tujuan pemasaran langsung produk dan perkhidmatan organisasi-organisasi ini. Pelanggan boleh pada sebarang masa menarik
balik persetujuannya untuk pemasaran langsung produk atau perkhidmatan demikian melalui permintaan bertulis kepada pihak Bank.
WARNING THIS PRODUCT IS PRINCIPAL GUARANTEED BY THE ISSUING BANK UPON MATURITY ONLY. IF THE PRODUCT IS REDEEMED OR SOLD PRIOR TO MATURITY, THE CUSTOMER MAY LOSE PART OF THE INITIAL DEPOSIT AMOUNT. THE CUSTOMER IS REMINDED THAT THIS PRODUCT IS NOT INSURED BY PERBADANAN INSURANS DEPOSIT MALAYSIA. WARNING (This risk warning statement is applicable to Floating Rate Negotiable Instruments of Deposits)
THIS PRODUCT IS PRINCIPAL GUARANTEED BY THE ISSUING BANK UPON MATURITY ONLY. IF THE PRODUCT IS REDEEMED OR SOLD PRIOR TO MATURITY, THE CUSTOMER MAY LOSE PART OF THE INITIAL DEPOSIT AMOUNT. THE RETURNS ON THIS PRODUCT ARE UNCERTAIN AND THE CUSTOMER RISKS EARNING NO RETURNS AT ALL. THE CUSTOMER IS REMINDED THAT THIS PRODUCT IS NOT INSURED BY PERBADANAN INSURANS DEPOSIT MALAYSIA.
OCBC Bank (Malaysia) Berhad (295400-W) OCBC(M)/LEGAL/NID T & C (IND&CORP)-BM/01_2016
h) The Depositor or Bearer acknowledges having read the Bank’s Privacy Policy posted at the Bank’s website which notified the Depositor or
Bearer that (i) the Bank may collect the Depositor or Bearer personal data directly from the Depositor or Bearer or from third party sources
(ii) purpose for which the Depositor or Bearer personal data is collected; (iii) the Depositor or Bearer right to access the Depositor or
Bearer’s personal data and correct it; (iv) the class of third parties to whom the Bank may disclose the Depositor or Bearer’s personal data;
(v) the choices and means for limiting the processing of the Depositor or Bearer’s personal data; (vi) whether the personal data requested is
obligatory or voluntary, and if obligatory, the consequences for not providing such data; (vii) that the Depositor or Bearer must update
his/her/their personal data as soon as there are changes; and (viii) the Bank’s contact details if the Depositor or Bearer wishes to make
inquiries or give feedback.
Pelanggan mengaku telah membaca Dasar Kerahsiaan Bank yang dipaparkan di laman sesawang Bank yang memberitahu Pelanggan
bahawa (i) pihak Bank boleh mengumpul data peribadi Pelanggan secara langsung daripada Pelanggan atau daripada sumber pihak
ketiga (ii) tujuan bagi mana data peribadi Pelanggan dikumpulkan; (iii) hak Pelanggan untuk mengakses data peribadi Pelanggan dan
membetulkannya; (iv) golongan pihak ketiga kepada siapa pihak Bank boleh mendedahkan data peribadi Pelanggan; (v) pilihan dan cara
menghadkan pemprosesan data peribadi Pelanggan; (vi) sama ada data peribadi yang diminta adalah wajib atau secara sukarela, dan jika
wajib, akibat tidak membekalkan data demikian; (vii) bahawa Pelanggan harus mengemas kini data peribadinya apabila terdapat
pertukaran; dan (viii) butiran hubungan pihak Bank jika Pelanggan ingin membuat pertanyaan atau memberi maklumbalas.
i) The relevant Term Sheet and these Terms and Conditions shall govern the respective Deposit and if there is any conflict between these
Terms and Conditions and the relevant Term Sheet, the terms and conditions in the Term Sheet shall prevail. The Depositor may not
assign any of his rights, title or interest in or to the Deposit without the Bank’s prior written consent.
Penyata Terma berkaitan dan Terma-terma dan Syarat-syarat ini akan mengawal Deposit masing-masing dan jika terdapat sebarang
konflik antara Terma-terma dan Syarat-syarat ini dan Penyata Terma berkaitan, terma-terma dan syarat-syarat dalam Penyata Terma akan
diguna pakai. Pendeposit tidak boleh menyerahkan mana-mana hak, hak milik atau kepentingannya dalam atau terhadap Deposit tanpa
kebenaran bertulis pihak Bank terlebih dahulu.
j) In these Terms and Conditions / Dalam Terma-terma dan Syarat-syarat ini :-
“Authorised Depository” means a licensed financial institution given the approval by BNM to be an Authorised Depository of NID; /
“Depositori Diberi Kuasa” bermaksud institusi kewangan berlesen yang diberi kebenaran oleh BNM untuk menjadi Depositori Diberi
Kuasa bagi NID;/
“Bearer” in relation to a NID means the owner of the NID; /
“Pemegang” dalam hubungan NID bermaksud pemilik NID;/
“Business Day” means a day other than Saturday, Sunday or a banking holiday on which the Bank is open for business in Kuala
Lumpur ; /
“Hari Perniagaan” bermaksud hari selain daripada Sabtu, Ahad atau hari cuti bank di mana Bank dibuka untuk perniagaan di Kuala
Lumpur;
“calendar month” means the period from the “n-th” day of a specific month to the “n-th” day of the following month, except that: /
“bulan kalendar” bermaksud tempoh dari hari “yang ke” bagi bulan tertentu hingga hari “yang ke” bagi bulan yang berikutnya, kecuali :
o a “calendar month” starting from the last day of a month shall always end on the last day of the next month; /
“bulan kalendar” yang bermula dari hari terakhir dalam bulan tersebut akan sentiasa berakhir pada hari terakhir bulan berikutnya;
o in the case of a non-leap year, a “calendar month” starting from January 28, 29, 30 and 31 shall always end on 28 February; and /
dalam hal bukan tahun lompat, “bulan kalendar” yang bermula dari 28, 29, 30 dan 31 Januari akan sentiasa berakhir pada 28
Februari; dan
o in the case of a leap year, a “calendar month” starting from January 29, 30 and 31 shall always end on 29 February; /
dalam hal tahun lompat, “bulan kalendar” yang bermula dari 29, 30 dan 31 Januari akan sentiasa berakhir pada 29 Februari;
“certificate “ means the security paper duly completed and issued by the Bank to acknowledge the receipt of a Deposit falling within
the meaning of a NID /
“sijil” bermaksud kertas sekuriti yang disiapkan seperti sepatutnya dan diterbitkan oleh pihak Bank untuk memaklumi penerimaan
Deposit yang tergolong dalam erti NID;
“known public holiday“ means any gazetted holiday, which is known at the time a NID is issued (for example 1 January, 1 May, 31
August and 25 December). If such a day falls on a Sunday, the next business day shall be deemed as “known public holiday”; / “cuti
am diketahui” bermaksud mana-mana hari cuti yang diwartakan, yang diketahui pada masa NID diterbitkan (sebagai contoh 1 Januari,
1 Mei, 31 Ogos dan 25 Disember). Jika hari tersebut jatuh pada hari Ahad, hari perniagaan berikutnya adalah dianggap sebagai “cuti
am diketahui”
“NID Account” means the account opened by the Depositor or Bearer appointing the Bank as the Authorised Depository; /
“Akaun NID” bermaksud akaun yang dibuka oleh Pendeposit atau Pemegang yang melantik pihak Bank sebagai Depositori Diberi
Kuasa;
WARNING THIS PRODUCT IS PRINCIPAL GUARANTEED BY THE ISSUING BANK UPON MATURITY ONLY. IF THE PRODUCT IS REDEEMED OR SOLD PRIOR TO MATURITY, THE CUSTOMER MAY LOSE PART OF THE INITIAL DEPOSIT AMOUNT. THE CUSTOMER IS REMINDED THAT THIS PRODUCT IS NOT INSURED BY PERBADANAN INSURANS DEPOSIT MALAYSIA. WARNING (This risk warning statement is applicable to Floating Rate Negotiable Instruments of Deposits)
THIS PRODUCT IS PRINCIPAL GUARANTEED BY THE ISSUING BANK UPON MATURITY ONLY. IF THE PRODUCT IS REDEEMED OR SOLD PRIOR TO MATURITY, THE CUSTOMER MAY LOSE PART OF THE INITIAL DEPOSIT AMOUNT. THE RETURNS ON THIS PRODUCT ARE UNCERTAIN AND THE CUSTOMER RISKS EARNING NO RETURNS AT ALL. THE CUSTOMER IS REMINDED THAT THIS PRODUCT IS NOT INSURED BY PERBADANAN INSURANS DEPOSIT MALAYSIA.
OCBC Bank (Malaysia) Berhad (295400-W) OCBC(M)/LEGAL/NID T & C (IND&CORP)-BM/01_2016
“RENTAS” means “Real Time Electronic Transfer of Funds and Securities”, which is a real time electronic funds and securities transfer system maintained by the BNM; / “RENTAS” bermaksud “Sistem Pemindahan Elektronik Masa Nyata bagi Dana dan Sekuriti”, yang merupakan sistem pemindahan elektronik masa nyata bagi dana dan sekuriti yang disenggarakan oleh BNM;
“Unexpected holiday” means a public holiday, which is not a “known public holiday” at the time when a NID is issued. / “Hari cuti tidak dijangkakan” bermaksud hari cuti am, yang bukan merupakan “cuti am diketahui” pada masa NID diterbitkan.
Risk Disclosure Statement / Penyata Pendedahan Risiko
Please Read This Carefully / Sila Baca Dengan Teliti
The objective of this Risk Disclosure Statement from the Bank is to explain to you, briefly, the nature of NIDs, in particular Floating Rate
Negotiable Instruments of Deposits (FRNID) prior to your undertaking such transactions. In particular, you must be aware that the associated
risk of loss in FRNIDs can be substantial. / Objektif Penyata Pendedahan Risiko daripada pihak Bank adalah untuk menerangkan kepada
anda, secara ringkas, sifat NID, terutamanya Instrumen Deposit Boleh Niaga Kadar Terapung (FRNID) sebelum anda menjalankan urus
niaga sedemikian. Terutamanya, anda mestilah sedar bahawa risiko kerugian berkaitan dengan FRNID adalah amat besar.
THIS NOTICE DOES NOT PURPORT TO DISCLOSE OR DISCUSS ALL OF THE RISKS AND OTHER SIGNIFICANT ASPECTS OF ANY
TRANSACTION. YOU SHOULD THEREFORE CONSULT WITH YOUR OWN LEGAL, TAX AND FINANCIAL ADVISERS PRIOR TO
ENTERING INTO ANY PARTICULAR TRANSACTION. / NOTIS INI TIDAK BERMAKSUD UNTUK MENDEDAHKAN ATAU
MEMBINCANGKAN SEMUA RISIKO DAN LAIN-LAIN ASPEK PENTING URUS NIAGA. OLEH ITU ANDA PERLU MERUJUK KEPADA
PENASIHAT UNDANG-UNDANG, CUKAI DAN KEWANGAN ANDA SEBELUM MENYERTAI MANA-MANA URUS NIAGA TERTENTU.
This product is principal guaranteed by the Issuing bank upon maturity only. If the product is redeemed or sold prior to maturity, the customer
may lose part of the initial deposit amount. The returns on this product are uncertain and the customer risks earning no returns at all. The
customer is reminded that this product is not insured by PERBADANAN INSURANS DEPOSIT MALAYSIA.
Produk ini adalah dijamin prinsipal oleh bank Penerbit hanya apabila matang sahaja. Jika produk ditebus atau dijual sebelum matang,
pelanggan boleh kehilangan sebahagian daripada amaun deposit permulaan. Pulangan ke atas produk ini adalah tidak menentu dan pelanggan
berisiko tidak memperoleh pulangan langsung. Pelanggan diingatkan bahawa produk ini tidak dilindungi oleh PERBADANAN INSURANS
DEPOSIT MALAYSIA.
Risk Warning Statement /Penyata Amaran Risiko 1
WARNING THIS PRODUCT IS PRINCIPAL GUARANTEED BY THE ISSUING BANK UPON MATURITY ONLY. IF THE PRODUCT IS REDEEMED OR SOLD PRIOR TO MATURITY, THE CUSTOMER MAY LOSE PART OF THE INITIAL DEPOSIT AMOUNT. THE CUSTOMER IS REMINDED THAT THIS PRODUCT IS NOT INSURED BY PERBADANAN INSURANS DEPOSIT MALAYSIA. WARNING (This risk warning statement is applicable to Floating Rate Negotiable Instruments of Deposits)
THIS PRODUCT IS PRINCIPAL GUARANTEED BY THE ISSUING BANK UPON MATURITY ONLY. IF THE PRODUCT IS REDEEMED OR SOLD PRIOR TO MATURITY, THE CUSTOMER MAY LOSE PART OF THE INITIAL DEPOSIT AMOUNT. THE RETURNS ON THIS PRODUCT ARE UNCERTAIN AND THE CUSTOMER RISKS EARNING NO RETURNS AT ALL. THE CUSTOMER IS REMINDED THAT THIS PRODUCT IS NOT INSURED BY PERBADANAN INSURANS DEPOSIT MALAYSIA.
The Depositor acknowledges (a) that the Bank does not give any advice or recommendation with respect to NID/FRNIDs or their interest rates,
whether written or oral, and any information or materials made available is for general information and not regarded as any advice or
recommendation in respect of any investments; and (b) that the Bank does not hold itself out as advising or any of its employees or agents as
advising or having the authority to advise the Depositor as to whether or not the Depositor should enter into any NID/FRNID and or any
subsequent actions relating thereto or any other commercial matters concerned with such Investment. The Bank shall have no responsibility or
liability whatsoever in respect or any advice given or views expressed by it or any of its employees or agents, whether or not such advice is given
or such views expressed at the request of the Depositor.
Pendeposit mengakui (a) bahawa pihak Bank tidak memberi sebarang nasihat atau cadangan berhubung dengan NID/FRNID atau kadar
faedahnya, sama ada secara bertulis atau lisan, dan sebarang maklumat atau bahan yang disediakan adalah untuk maklumat am dan tidak
dianggap sebagai nasihat atau cadangan berhubung mana-mana pelaburan; dan (b) pihak Bank tidak menganggap dirinya sebagai penasihat
atau mana-mana kakitangan atau ejennya sebagai penasihat atau mempunyai kuasa untuk menasihati Pendeposit sama ada atau tidak
Pendeposit perlu menyertai mana-mana NID/FRNID dan atau sebarang tindakan selanjutnya yang berkaitan atau hal-hal perdagangan lain
berkenaan dengan pelaburan tersebut. Pihak Bank tidak mempunyai sebarang tanggungjawab atau liabiliti berhubung mana-mana nasihat yang
diberi atau pandangan yang dinyatakan olehnya atau mana-mana kakitangan atau ejennya, sama ada atau tidak nasihat tersebut diberi atau
pandangan tersebut dinyatakan atas permintaan Pendeposit.
Any NID/FRNID which the Depositor may enter into with the Bank shall be made based on the Depositor’s own independent evaluation of the
risks associated with the NID/FRNID and upon advice from any professional advisers (including his/her/its own legal, regulatory, tax, business,
investment, financial and accounting advisers) as the Depositor may deem necessary to consult.
Mana-mana NID/FRNID yang Pendeposit sertai dengan pihak Bank adalah dibuat berdasarkan penilaian bebas Pendeposit sendiri terhadap
risiko berkaitan dengan NID/FRNID dan atas nasihat daripada mana-mana penasihat profesional (termasuk penasihat undang-undang,
kawalan, cukai, perniagaan, pelaburan, kewangan dan perakaunannya sendiri) yang Pendeposit anggap perlu untuk dirujuk.
Own Evaluation of Suitability of NID/FRNID by Depositor /Penilaian Sendiri mengenai Kesesuaian NID/FRNID oleh Pendeposit
2
Depositor to seek independent advise /Pendeposit mendapatkan nasihat bebas 3
OCBC Bank (Malaysia) Berhad (295400-W) OCBC(M)/LEGAL/NID T & C (IND&CORP)-BM/01_2016
The Depositor shall have the responsibility to fully understand the terms and conditions of the NID/FRNID to be undertaken, including the
circumstances under which you may become obligated to make or take delivery of the underlying subject matter. You should therefore
familiarise yourself with the terms and conditions of any agreement, contract or confirmation that you may enter into with the Bank. You must
fully understand your rights and obligations under that agreement, contract or confirmation. You should consult your legal adviser or lawyer to
fully understand your rights and obligations.
Pendeposit bertanggungjawab untuk memahami sepenuhnya terma-terma dan syarat-syarat NID/FRNID yang akan dijalankan, termasuk
perkara-perkara di mana anda boleh bertanggungjawab untuk membuat atau menerima isi kandungan asas. Jadi anda perlu membiasakan diri
dengan terma-terma dan syarat-syarat bagi sebarang perjanjian, kontrak atau pengesahan. Anda perlu merujuk kepada penasihat undang-
undang atau peguam anda untuk memahami sepenuhnya hak dan kewajipan anda.
The Depositor’s net returns from NID/FRNID would also be affected by the Bank’s fees and charges, the transaction costs (i.e. commission, fees
and other charges) charged by the Bank and the counterparty and applicable withholding taxes.
Pulangan bersih Pendeposit daripada NID/FRNID boleh juga dijejaskan oleh yuran dan caj Bank, kos urus niaga (iaitu komisen, yuran dan lain-
lain caj) yang dikenakan oleh Bank dan pihak balas dan cukai tertahan yang berkenaan.
The Bank is not obliged to repurchase a NID/FRNID from you. It therefore may not be possible for you to liquidate a NID/FRNID prior to its
stated Maturity Date if there are no interested buyers. Because transactions are customised and not fungible, engaging in a transaction with
another party to offset a transaction you have entered into with the Bank will not automatically close out those positions (as would be true in the
case of equivalent exchange traded futures and options) and will not necessarily function as a perfect hedge.
Bank tidak bertanggungjawab untuk membeli balik NID/FRNID daripada anda. Oleh itu anda mungkin tidak dapat untuk menunaikan NID/FRNID
sebelum Tarikh Matang yang dinyatakan jika tiada pembeli yang berminat. Oleh kerana urus niaga dilakukan mengikut keperluan dan tidak
boleh ditukar ganti, penglibatan dalam urus niaga dengan pihak lain untuk mengimbangi urus niaga yang anda telah sertai dengan pihak Bank
tidak akan menamatkan posisi tersebut (adalah benar dalam hal pertukaran sepadan dagangan hadapan dan opsyen) dan tidak semestinya
berfungsi sebagai lindung nilai yang sempurna.
Contractual Terms /Terma-terma Berkontrak 4
Transaction costs /Kos urus niaga 5
Bank under no obligation to buy its own NID/FRNID /Bank tidak bertanggungjawab untuk membeli NID/FRNIDnya sendiri
6
The normal pricing relationships between the underlying NID/FRNID and the financial derivatives may not exist in certain circumstances. The
absence of an underlying reference price may make it difficult to assess “fair” value and hence negotiate or sell the NID/FRNID in the secondary
market. Because the prices and characteristics of the NID/FRNID are individually negotiated and there may not be a central source for
obtaining prices from other sources, there can be inefficiencies in their pricing. The Bank is under no obligation to quote prices for transactions
in the secondary market and the Bank makes no representation or warranty and bears no responsibility or liability whatsoever, for prices quoted
or that prices quoted by the Bank is correct or the best prices available to you. You have to make your own evaluation of the pricing and should
take independent advise from your accountants, tax consultants, lawyers or other professionals. The Bank may make returns from the
NID/FRNID no matter what result the transaction has from your point of view.
Hubungan penetapan harga normal antara NID/FRNID asas dan derivatif kewangan mungkin tidak wujud dalam keadaan tertentu. Ketiadaan
harga rujukan asas boleh membuatkannya sukar untuk menghitung nilai “adil” dan meniaga atau menjual NID/FRNID dalam pasaran sekunder.
Oleh kerana harga dan ciri-ciri NID/FRNID diniaga secara berasingan dan berkemungkinan tiada sumber pusat untuk mendapatkan harga
daripada sumber-sumber lain, mungkin terdapat ketidakcekapan dalam penetapan harga. Pihak Bank tidak bertanggungjawab untuk menyebut
harga bagi urus niaga dalam pasaran sekunder dan Bank tidak menyatakan dan memberi jaminan dan tidak memikul apa-apa tanggungjawab
atau liabiliti, bagi harga yang disebut atau bahawa harga yang disebut oleh pihak Bank adalah tepat atau harga terbaik untuk anda. Anda perlu
membuat penilaian harga sendiri dan perlu mendapatkan nasihat bebas daripada akauntan, perunding cukai, peguam atau ahli profesional
anda yang lain. Pihak Bank boleh mendapat pulangan daripada NID/FRNID tidak kira apa keputusan yang dicapai oleh urus niaga dari sudut
pandangan anda.
Price Risks /Risiko Harga 7
WARNING THIS PRODUCT IS PRINCIPAL GUARANTEED BY THE ISSUING BANK UPON MATURITY ONLY. IF THE PRODUCT IS REDEEMED OR SOLD PRIOR TO MATURITY, THE CUSTOMER MAY LOSE PART OF THE INITIAL DEPOSIT AMOUNT. THE CUSTOMER IS REMINDED THAT THIS PRODUCT IS NOT INSURED BY PERBADANAN INSURANS DEPOSIT MALAYSIA. WARNING (This risk warning statement is applicable to Floating Rate Negotiable Instruments of Deposits)
THIS PRODUCT IS PRINCIPAL GUARANTEED BY THE ISSUING BANK UPON MATURITY ONLY. IF THE PRODUCT IS REDEEMED OR SOLD PRIOR TO MATURITY, THE CUSTOMER MAY LOSE PART OF THE INITIAL DEPOSIT AMOUNT. THE RETURNS ON THIS PRODUCT ARE UNCERTAIN AND THE CUSTOMER RISKS EARNING NO RETURNS AT ALL. THE CUSTOMER IS REMINDED THAT THIS PRODUCT IS NOT INSURED BY PERBADANAN INSURANS DEPOSIT MALAYSIA.
Tax Risks /Risiko Cukai 8
Before entering into any NID/FRNID, you should understand the tax implications of doing so. Different NID/FRNIDs may have different tax
implications and the tax implications may be dependent on your business activities and the transaction in question. You should consult your tax
adviser to understand the tax implications.
Sebelum menyertai mana-mana NID/FRNID, anda perlu memahami implikasi cukai dalam berbuat demikian. NID/FRNID yang berbeza mungkin
mempunyai implikasi cukai yang berbeza dan implikasi cukai boleh jadi bergantung pada aktiviti perniagaan dan urus niaga terbabit. Anda
harus berunding dengan penasihat cukai anda bagi memahami implikasi cukai.
OCBC Bank (Malaysia) Berhad (295400-W) OCBC(M)/LEGAL/NID T & C (IND&CORP)-BM/01_2016
The Depositor shall be fully responsible for monitoring the performance and continuing appropriateness of his NID/FRNID. The Bank and its
affiliates (including related companies) may hold positions in assets, securities, currencies, interest rates or other derivatives for itself or other
clients which may not be consistent with any advice given by its employees of officers. Any risks associated with and any losses suffered as a
result of the Bank establishing any NID/FRNID on your instructions are for your account and is your sole responsibility. The Depositor shall
indemnify and keep the Bank indemnified against losses or liabilities the Bank may incur in connection with any of the foregoing.
Pendeposit bertanggungjawab sepenuhnya dalam mengawasi prestasi dan meneruskan kesesuaian NID/FRNIDnya. Pihak Bank dan anggota
gabungannya (termasuk syarikat berkaitan) boleh memegang posisi dalam aset, sekuriti, mata wang, kadar faedah atau derivatif lain untuk
dirinya atau pelanggan lain yang mungkin tidak selaras dengan mana-mana nasihat yang diberi oleh kakitangan pegawainya. Sebarang risiko
berkaitan dengan dan sebarang kerugian yang dialami dalam Bank mewujudkan mana-mana NID/FRNID di atas arahan anda adalah bagi
akaun anda dan merupakan tanggungjawab anda sendiri. Pendeposit akan membayar ganti rugi dan melindungi Bank daripada kerugian atau
liabiliti yang mungkin ditanggung Bank berhubung dengan mana-mana perkara di atas.
The Depositor understands that NID/FRNIDs are a non-traditional deposit comprising three essential features which pose investment risks –
firstly, the deposit is subject to an interest rate formula, secondly, no certainty on interest payments and the possibility of zero interest in the
worse case scenario for any applicable interest period and thirdly, a possible early termination of the NID/FRNID by the Bank if the NID/FRNID is
callable.
Pendeposit memahami bahawa NID/FRNID adalah deposit bukan tradisi yang terdiri daripada tiga ciri asas yang menimbulkan risiko pelaburan
– pertama, deposit adalah tertakluk kepada formula kadar faedah, kedua, tiada kepastian dalam pembayaran faedah dan terdapat kemungkinan
faedah sifar dalam senario yang lebih teruk bagi mana-mana tempoh faedah yang berkenaan dan ketiga, kemungkinan penamatan awal
NID/FRNID oleh pihak Bank jika NID/FRNID adalah boleh panggil.
Investment Risks /Risiko Pelaburan 9
No certainty in interest payments /Tiada kepastian dalam pembayaran faedah 10
Nominal value of NID/FRNID amount repaid on stated Maturity Date / Nilai nominal bagi amaun NID/FRNID yang dibayar balik pada Tarikh Matang yang dinyatakan
11
Negotiating NID/FRNID in secondary market may incur capital losses / Meniaga NID/FRNID dalam pasaran sekunder boleh menyebabkan kerugian modal
12
The Depositor understands that the nominal value of the NID/FRNID will be repaid to him on the stated Maturity Date provided he holds the
NID/FRNID up to Maturity Date.
Pendeposit memahami bahawa nilai nominal NID/FRNID akan dibayar balik kepadanya pada Tarikh Matang yang dinyatakan dengan syarat dia
memegang NID/FRNID sehingga Tarikh Matang.
The Depositor understands that negotiating or selling a NID/FRNID before its stated Maturity Date may result in diminution in the nominal value
of the NID/FRNID. The loss is unascertainable and depends on the prevailing market condition.
Pendeposit memahami bahawa meniaga atau menjual NID/FRNID sebelum Tarikh Matang yang dinyatakan boleh mengakibatkan pengecilan
nilai nominal NID/FRNID. Kerugian adalah tidak dapat dipastikan dan bergantung pada keadaan pasaran semasa.
If the NID/FRNID has callable features, the Bank is entitled (but is under no obligation) to redeem the NID/FRNID in the manner and at such
times stated in the Term Sheet. Additionally the Bank also reserves the absolute right to redeem NID/FRNIDs on any interest payment date and
repay to the Depositor the nominal value together with interest proceeds (if applicable).
Jika NID/FRNID mempunyai ciri-ciri boleh panggil, pihak Bank adalah berhak (tetapi tidak bertanggungjawab) untuk menebus NID/FRNID
dengan cara dan pada waktu yang dinyatakan dalam Penyata Terma. Di samping itu pihak Bank juga mempunyai hak mutlak untuk menebus
NID/FRNID pada mana-mana tarikh bayaran faedah dan membayar balik kepada Pendeposit nilai nominal berserta dengan hasil faedah (jika
berkenaan).
The Depositor understands and acknowledges that the tenor of the NID/FRNIDs and the interest rate is subject to the risk of fluctuations and
there is a risk of zero interest. The Depositor has carefully and independently studied the interest rate movements, rate of return, understands
the risks arising from movements in the rate of return and confirms that the NID/FRNID is suitable in the light of his/her/its own financial and
investment objectives.
Pendeposit memahami dan mengakui bahawa jangka masa NID/FRNID dan kadar faedah adalah tertakluk kepada risiko naik turun dan
terdapat risiko faedah sifar. Pendeposit telah mengkaji dengan teliti dan secara sendiri pergerakan kadar faedah, kadar pulangan, memahami
risiko yang wujud daripada pergerakan dalam kadar pulangan dan mengesahkan bahawa NID/FRNID adalah bersesuaian berdasarkan objektif
kewangan dan pelaburannya sendiri.
Early Redemption by Bank / Penebusan Awal oleh Bank 13
Risks of Interest Fluctuation / Risiko Naik Turun Faedah 14
WARNING THIS PRODUCT IS PRINCIPAL GUARANTEED BY THE ISSUING BANK UPON MATURITY ONLY. IF THE PRODUCT IS REDEEMED OR SOLD PRIOR TO MATURITY, THE CUSTOMER MAY LOSE PART OF THE INITIAL DEPOSIT AMOUNT. THE CUSTOMER IS REMINDED THAT THIS PRODUCT IS NOT INSURED BY PERBADANAN INSURANS DEPOSIT MALAYSIA. WARNING (This risk warning statement is applicable to Floating Rate Negotiable Instruments of Deposits)
THIS PRODUCT IS PRINCIPAL GUARANTEED BY THE ISSUING BANK UPON MATURITY ONLY. IF THE PRODUCT IS REDEEMED OR SOLD PRIOR TO MATURITY, THE CUSTOMER MAY LOSE PART OF THE INITIAL DEPOSIT AMOUNT. THE RETURNS ON THIS PRODUCT ARE UNCERTAIN AND THE CUSTOMER RISKS EARNING NO RETURNS AT ALL. THE CUSTOMER IS REMINDED THAT THIS PRODUCT IS NOT INSURED BY PERBADANAN INSURANS DEPOSIT MALAYSIA.
The Depositor understands that he should not establish any NID/FRNIDs with the Bank unless he has sufficient funds or liquidity so as to enable
him to hold the NID/FRNID with the Bank until the Maturity Date. Any sale of the NID/FRNIDs by the Depositor prior to the Maturity Date may
result in him receiving less than the nominal value.
Pendeposit memahami bahawa dia tidak sepatutnya mewujudkan sebarang NID/FRNID dengan Bank melainkan dia mempunyai cukup dana
atau kecairan yang membolehkan dia memegang NID/FRNID dengan Bank sehingga Tarikh Matang. Sebarang jualan NID/FRNID oleh
Pendeposit sebelum Tarikh Matang boleh menyebabkan dia mendapat kurang daripada nilai nominal.
OCBC Bank (Malaysia) Berhad (295400-W) OCBC(M)/LEGAL/NID T & C (IND&CORP)-BM/01_2016
NID/FRNID for Hold-To-Maturity / NID/FRNID Memegang-Sehingga-Matang 15
Market Risk / Risiko Pasaran 16
Payments or receipts under an NID/FRNIDs will be linked to changes in the value of one or more financial or commodity market prices, rates or
indices or other underlying subject matter to which the NID/FRNID is linked and Depositor will be exposed to price volatility in that market or
subject matter. Such changes, which can be sudden and large, may cause you to suffer significant losses both in terms of the amounts you
have to pay under the terms of the transaction being greater than the amounts you receive and the amount it might cost you to sell or unwind
the NID/FRNID prior to its stated Maturity Date. Where a NID/FRNID is "structured" or made up of several instruments, you should be aware that
there is risk associated with each instrument evaluated separately and the risk of the transaction evaluated as a whole.
Bayaran atau penerimaan di bawah NID/FRNID akan dikaitkan dengan perubahan dalam nilai bagi satu atau lebih harga pasaran kewangan
atau komoditi, kadar atau indeks atau isi kandungan asas di mana NID/FRNID dikaitkan dan Pendeposit akan terdedah kepada turun naik
harga di pasaran atau isi kandungan tersebut. Perubahan tersebut, yang boleh terjadi secara tiba-tiba dan besar, boleh menyebabkan anda
mengalami kerugian ketara dalam kedua-dua segi jumlah yang anda perlu bayar di bawah terma-terma urus niaga lebih tinggi daripada jumlah
yang anda terima dan jumlah yang mungkin anda tanggung apabila menjual atau melunaskan NID/FRNID sebelum Tarikh Matang yang
dinyatakan. Di mana NID/FRNID adalah “berstruktur” atau terdiri daripada beberapa instrumen, anda perlu sedar bahawa terdapat risiko
berkaitan dengan setiap instrumen yang dinilai secara berasingan dan risiko bagi urus niaga yang dinilai secara menyeluruh.
Economic Risk / Risiko Ekonomi 17
Currency Risk / Risiko Mata Wang 18
Risks on Option Transactions / Risiko Urus Niaga Opsyen 19
Because the prices and characteristics of over-the-counter transactions are individually negotiated and there is no central source for obtaining
prices, there are inefficiencies in transaction pricing. The Bank consequently cannot and do not warrant that its prices or the prices it secures for
you are or will at any time be the best price available to you. The Bank may make returns or profits from a transaction with you no matter what
result the transaction has from your point of view.
Oleh kerana harga dan ciri-ciri urus niaga atas kaunter diniaga secara berasingan dan tiada sumber pusat bagi memperoleh harga, terdapat
ketidakcekapan dalam penetapan harga urus niaga. Oleh yang demikian pihak Bank tidak boleh dan tidak menjamin bahawa harganya atau
harga yang diperoleh untuk anda adalah atau akan pada bila-bila masa merupakan harga terbaik bagi anda. Pihak Bank boleh menjana
pulangan atau keuntungan daripada urus niaga dengan anda tidak kira apa hasil urus niaga pada sudut pandangan anda.
You would incur additional risk of currency fluctuations where you effect NID, FXNIDs or FRNIDs involving different currencies, or where you
carry on your ordinary business or keep your accounts in a currency other than the base currency in which the transaction is denominated.
Anda akan menanggung risiko tambahan naik turun mata wang sekiranya anda melaksanakan NID, FXNID atau FRNID yang melibatkan mata
wang lain, atau sekiranya anda menjalankan perniagaan biasa anda atau mempunyai akaun dalam mata wang selain daripada mata wang asas
di mana urus niaga didenominasikan.
WARNING THIS PRODUCT IS PRINCIPAL GUARANTEED BY THE ISSUING BANK UPON MATURITY ONLY. IF THE PRODUCT IS REDEEMED OR SOLD PRIOR TO MATURITY, THE CUSTOMER MAY LOSE PART OF THE INITIAL DEPOSIT AMOUNT. THE CUSTOMER IS REMINDED THAT THIS PRODUCT IS NOT INSURED BY PERBADANAN INSURANS DEPOSIT MALAYSIA. WARNING (This risk warning statement is applicable to Floating Rate Negotiable Instruments of Deposits)
THIS PRODUCT IS PRINCIPAL GUARANTEED BY THE ISSUING BANK UPON MATURITY ONLY. IF THE PRODUCT IS REDEEMED OR SOLD PRIOR TO MATURITY, THE CUSTOMER MAY LOSE PART OF THE INITIAL DEPOSIT AMOUNT. THE RETURNS ON THIS PRODUCT ARE UNCERTAIN AND THE CUSTOMER RISKS EARNING NO RETURNS AT ALL. THE CUSTOMER IS REMINDED THAT THIS PRODUCT IS NOT INSURED BY PERBADANAN INSURANS DEPOSIT MALAYSIA.
Option transactions can be very risky and can be extensively customised. You should pay particular attention to the terms governing an option,
especially to the terms on which an option may be exercised. If you are the purchaser of an option and fail to exercise the option or if the
purchased option expires worthless, you will sustain a total loss of the option premium and transaction costs in purchasing the option. If an
option is exercised by you, you would obtain a corresponding position in the underlying subject matter of such option. The risk of selling (writing)
options is considerably greater than the risk involved in buying options. If you buy an option, you cannot lose more than the premium. if you sell
(write) an option, the risk can be unlimited. If the purchaser exercises the option, your obligation is to settle the option in cash or acquire or
deliver the underlying contract. If the option is covered by a corresponding position in the underlying contract or by another option the risk may
be reduced and if the option is not covered your possible loss will be unlimited. The seller of a call option who does not have a long position in
the underlying contract is subject to risk of loss should the price of the underlying contract be higher than the strike price upon exercise or
expiration of the call option by an amount greater than the premium received for selling the call option. If you have a long position in the
underlying contract, you are subject to the full risk of decline in the price of the underlying contract reduced by the premium received. In
exchange for the premium received for selling the call option, you give up all potential gain resulting from an increase in the price of the
underlying contract above the strike price. The seller of a put option who does not have a short position in the underlying contract is subject to
risk of loss should the price of the underlying contract decrease below the strike price upon exercise or expiration of the option by an amount in
excess of the premium received for selling the put option. If you have a short position in the underlying contract, you are subject to the full risk of
a rise in the price of the underlying contract reduced by the premium received. In exchange for the premium received for selling the put option, you give up all potential gain resulting from a decrease in the price of the underlying contract below the strike price.
OCBC Bank (Malaysia) Berhad (295400-W) OCBC(M)/LEGAL/NID T & C (IND&CORP)-BM/01_2016
Securities / Sekuriti 20
Credit Risk / Risiko Kredit 21
Where the NID/FRNID is linked to indices or other assets, you will be exposed to the volatility of the various stock exchanges or other financial
markets in which the shares, stocks, warrants, bonds, debentures, notes, debt securities and other securities (collectively the "securities") are
traded. In particular, the value of securities may experience downward movements and may under some circumstances even become valueless.
There is therefore an inherent risk that losses rather than interest payments may be incurred as a result of buying or selling securities or buying
or selling options on securities. In particular, you should refer to the paragraph on Market Risk to understand the impact which market forces
may have on the securities. The Bank is entitled to act upon your instructions and you cannot assume that the Bank will warn you if your
instructions are ill-timed or inadvisable for any reason or if the instructions are likely to cause you loss.
Di mana NID/FRNID dikaitkan dengan indeks atau lain-lain aset, anda akan terdedah kepada turun naik pelbagai bursa saham atau lain-lain
pasaran kewangan di mana syer, saham, waran, bon, debentur, nota, sekuriti hutang dan lain-lain sekuriti (secara bersama “sekuriti”)
didagangkan. Terutamanya, nilai sekuriti boleh mengalami pergerakan menurun dan boleh dalam sesetengah keadaan menjadi tidak bernilai.
Oleh itu terdapat risiko semula jadi bahawa kerugian dan bukan bayaran faedah yang akan ditanggung kesan daripada pembelian atau
penjualan sekuriti atau pembelian atau penjualan opsyen ke atas sekuriti. Pihak Bank adalah berhak untuk bertindak atas arahan anda dan
anda tidak boleh menganggap bahawa Bank akan memberi amaran kepada anda jika arahan anda adalah tidak kena pada masanya atau tidak
bijak atas sebarang alasan atau jika arahan anda berkemungkinan menyebabkan anda kerugian.
Please ensure that you are aware of the identity of the issuer of the debt instrument. Where you sell (write) an option over a debt instrument,
you should be aware that you would be taking the credit risk of the issuer of the debt instrument. Often, you will be purchasing an unsecured
obligation of such issuer and you should evaluate the credit risk of the issuer not being able to fulfil its payments obligations under the debt
instrument. The Bank does not and will not assume any obligation under any transaction and accordingly, you will have no rights against the
Bank in any event whatsoever, unless specifically provided for in the relevant Term Sheet.
Sila pastikan bahawa anda sedar akan identiti penerbit instrumen hutang. Di mana anda menjual (write) opsyen ke atas instrumen hutang, anda
harus menyedari bahawa anda akan mengambil risiko kredit penerbit instrumen hutang tersebut. Selalunya, anda akan membeli hutang tidak
bercagar daripada penerbit tersebut dan anda perlu menilai risiko kredit penerbit tidak berupaya untuk memenuhi kewajipan pembayaran di
bawah instrumen hutang itu. Pihak Bank tidak dan tidak akan menanggung sebarang kewajipan di bawah mana-mana urus niaga dan dengan
yang demikian, anda tidak mempunyai hak terhadap Bank dalam apa-apa perkara, melainkan ditentukan dalam Penyata Terma berkaitan.
Urus niaga opsyen boleh menjadi amat berisiko dan boleh secara meluas dilakukan mengikut keperluan. Anda perlu memberi perhatian teliti
terhadap terma-terma yang mengawal opsyen, terutamanya terma di mana opsyen boleh dilaksanakan. Jika anda adalah pembeli opsyen dan
gagal untuk melaksanakan opsyen atau jika opsyen yang dibeli tamat tempoh tidak bernilai, anda akan mengalami kerugian menyeluruh ke atas
opsyen premium dan kos urus niaga dalam pembelian opsyen. Jika opsyen dilaksanakan oleh anda, anda akan memperoleh posisi sepadan
dalam isi kandungan asas opsyen tersebut. Risiko menjual (writing) opsyen adalah amat lebih besar daripada risiko yang terbabit dalam
membeli opsyen. Jika anda membeli opsyen, anda tidak boleh rugi lebih daripada premium. Jika anda menjual (write) opsyen, risiko adalah tidak
terhad. Jika pembeli melaksanakan opsyen, kewajipan anda adalah untuk melunaskan opsyen secara tunai atau memperoleh atau
menyerahkan kontrak asas. Jika opsyen dilindungi oleh posisi sepadan dalam kontrak asas atau oleh opsyen yang lain risiko boleh dikurangkan
dan jika opsyen tidak dilindungi kemungkinan kerugian anda adalah tidak terhad. Penjual opsyen panggil yang tidak mempunyai posisi panjang
dalam kontrak asas adalah tertakluk kepada risiko kerugian jika harga kontrak asas lebih tinggi daripada harga laksana apabila pelaksanaan
atau tamatnya tempoh opsyen panggil dengan amaun lebih besar daripada premium yang diterima apabila menjual opsyen panggil. Jika anda
mempunyai posisi panjang dalam kontrak asas, anda tertakluk kepada risiko penuh kejatuhan dalam harga kontrak asas dikurangkan dengan
premium yang diterima. Sebagai pertukaran dengan premium yang diterima kerana menjual opsyen panggil, anda mengorbankan semua
kemungkinan keuntungan kesan daripada kenaikan harga kontrak asas melebihi harga laksana. Penjual opsyen jualan yang tidak mempunyai
posisi pendek dalam kontrak asas adalah tertakluk kepada risiko kerugian jika harga kontrak asas menurun di bawah harga laksana apabila
pelaksanaan atau tamatnya tempoh opsyen dengan amaun lebih daripada premium yang diterima apabila opsyen jualan dijual. Jika anda
mempunyai posisi pendek dalam kontrak asas, anda tertakluk kepada risiko penuh kenaikan harga kontrak asas dikurangkan dengan premium
yang diterima. Sebagai pertukaran dengan premium yang diterima kerana menjual opsyen jualan, anda mengorbankan semua kemungkinan
keuntungan kesan daripada penurunan harga kontrak asas di bawah harga laksana.
WARNING THIS PRODUCT IS PRINCIPAL GUARANTEED BY THE ISSUING BANK UPON MATURITY ONLY. IF THE PRODUCT IS REDEEMED OR SOLD PRIOR TO MATURITY, THE CUSTOMER MAY LOSE PART OF THE INITIAL DEPOSIT AMOUNT. THE CUSTOMER IS REMINDED THAT THIS PRODUCT IS NOT INSURED BY PERBADANAN INSURANS DEPOSIT MALAYSIA.
AMARAN
PRODUK INI ADALAH DIJAMIN PRINSIPAL OLEH BANK PENERBIT HANYA APABILA
MATANG SAHAJA. JIKA PRODUK DITEBUS ATAU DIJUAL SEBELUM MATANG,
PELANGGAN BOLEH KEHILANGAN SEBAHAGIAN ATAU KESEMUA DEPOSIT
PERMULAAN. PELANGGAN ADALAH DIINGATKAN BAHAWA PRODUK INI TIDAK
DILINDUNGI OLEH PERBADANAN INSURANS DEPOSIT MALAYSIA. WARNING (This risk warning statement is applicable to Floating Rate Negotiable Instruments of Deposits)
THIS PRODUCT IS PRINCIPAL GUARANTEED BY THE ISSUING BANK UPON MATURITY ONLY. IF THE PRODUCT IS REDEEMED OR SOLD PRIOR TO MATURITY, THE CUSTOMER MAY LOSE PART OF THE INITIAL DEPOSIT AMOUNT. THE RETURNS ON THIS PRODUCT ARE UNCERTAIN AND THE CUSTOMER RISKS EARNING NO RETURNS AT ALL. THE CUSTOMER IS REMINDED THAT THIS PRODUCT IS NOT INSURED BY PERBADANAN INSURANS DEPOSIT MALAYSIA.
AMARAN (Kenyataan amaran risiko ini adalah berkenaan dengan Kadar Terapung Instrumen Deposit Boleh Niaga)
PRODUK INI ADALAH DIJAMIN PRINSIPAL OLEH BANK PENERBIT HANYA APABILA
MATANG SAHAJA. SEKIRANYA PRODUK DITEBUS ATAU DIJUAL SEBELUM MATANG,
PELANGGAN BOLEH KEHILANGAN SEBAHAGIAN ATAU KESEMUA AMAUN DEPOSIT
PERMULAAN. PULANGAN KE ATAS PRODUK INI ADALAH TIDAK MENENTU DAN
PELANGGAN BERISIKO TIDAK MEMPEROLEH PULANGAN LANGSUNG. PELANGGAN
DIINGATKAN BAHAWA PRODUK INI TIDAK DILINDUNGI OLEH PERBADANAN INSURANS
DEPOSIT MALAYSIA.