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OCBC FD Booster "10/10 FD" Promotion

The following Terms and Conditions apply to this promotion:

1.This promotion shall be valid from 25 September 2008 to 31 October 2008.
2.The promotion is open to invidividual Malaysian residents, Permanent Residents (PR) and non-residents (subject to country of origin).
3.The promotion is for 10 Days + 10-months Fixed Deposit and/ or 2-months tenured FD
4.Please refer to the below table for the promotional interest rate.

10-Days + 10-Months FD

Fixed Deposit Placement Amt	Special Interest Rate (%p.a.)		Effective interest rate for whole tenure (%p.a.)	Board Rate* (%p.a.)
RM10,000 - RM299,000	1st 10 Days	5.00%p.a.	3.645%p.a.	3.50%p.a.
	Next 10-months	3.60%p.a.
Above RM300,000	1st 10 Days	5.00%p.a.	3.742%p.a.
	Next 10-months	3.70%p.a.

2-months FD special Rate

Fixed Deposit Placement Amt	Special Interest rate (%p.a.)	Board rate* (%p.a.)
RM10,000 - RM299,000	3.35%p.a.	3.10%p.a.
Above RM300,000	3.50%p.a.	3.10%p.a.

*This are the board rate for the respective promotional Fixed Deposit tenures as at 19 September 2008

5.Minimum amount to be eligible for the promotion is RM10,000
6.Upon maturity, the promotional FD tenure will be auto renewed to similar tenure FD at prevailing board rate.

For full Terms and Condition, click HERE

OCBC Twin Currency Promotion

The following Terms and Conditions apply to this promotion:
1.This promotion shall be valid from 01 August 2008 to 30 September 2008.
2.The promotion is open to invidividual Malaysian residents, Permanent Residents (PR) and non-residents (subject to country of origin).
3.The FCY Time Deposit and MYR Fixed Deposit offered for this promotion is 1-month and/or 2-month tenure.
4.Please refer to the below table for the promotional interest rate.

Tenure of FCY TD and MYR FD	Eligible Currencies	Promotional Interest rate for FCY TD and MYR FD (%p.a.)	Board rate*
Tenure of FCY TD and MYR FD	Eligible Currencies	Promotional Interest rate for FCY TD and MYR FD (%p.a.)	FCY TD (%p.a.)	MYR FD (%p.a.)
1-month	AUD	6.80%p.a.	6.60%p.a.	3.00%p.a.
	NZD	7.80%p.a.	7.30%p.a.
	GBP	4.80%p.a.	4.65%p.a.
	EUR	3.80%p.a.	3.30%p.a.
2-month	AUD	7.00%p.a.	6.60%p.a.	3.10%p.a.
	NZD	8.00%p.a.	7.30%p.a.
	GBP	5.00%p.a.	4.87%p.a.
	EUR	4.00%p.a.	3.30%p.a.

* These are the board rate for the respective Promotional Fixed Deposit tenures as at 01 August 2008.

5.Minimum amount to be eligible for the promotion is RM30,000 to be place in FCY Time Deposit
6.Upon maturity, the promotional FCY TD and FD tenure will be auto renewed to similar tenure FCY TD and FD at prevailing board rate.

For full Terms and Conditions, please click HERE

Next Steps :

Benefits of MYR Fixed Deposits

Select from a wide choice of deposit tenures.
OCBC Fixed Deposit offers you a wide selection of deposit tenures of 1-60 months (available in multiples of 1 month). You will find a Fixed Deposit tenure that suits your financial plan.

Daily Interest
Interest is calculated daily and interest is paid :
- On maturity for 1 month to 12 months Fixed Deposit.
- Every 6-monthly for 13 months and above Fixed Deposit.

Earn More
The interest that you have earned may be compounded to the principal for automatic renewal or withdrawn. You also have the option of instructing the bank to pay into your Savings / Current Account.

Overdraft facility
Should an emergency arise where you need to access your fixed deposit money, you may need to withdraw your Fixed Deposit but stand to lose out on the penalty interest. Is there a better way? Yes, with automatic overdraft facility (Easi-FD Access), you can have quick access to the needed funds. This extraordinary service is available for fixed deposit of at least RM20,000.

Eligibility

	Individuals aged 18 years old and above.

	Trust accounts can be opened for individuals below 18 years old, in the parent/guardian's name.

	Minimum initial deposit of RM5,000 for 1 month placement and minimum RM1,000 for 2 to 60 months placement.

Fees and Charges

Premature Withdrawal
Penalty interest shall apply for any premature Fixed Deposit withdrawal / upliftment:
- No interest before completion of 3 months or
- For fixed deposit with more than 3 months, half of the original contracted rate shall be paid for each completed month only.

Withholding Tax
A withholding tax of 5% per annum applies on the interest earned for deposit of less than 12 months for amount above RM100,000 in a single placement.

No Penalty Charge On Your Fixed Deposits For Withdrawal Before Maturity
To help you diversify your investment, NO penalty will be charged when you withdraw your Fixed Deposits (FD) before maturity to reinvest in Unit Trust or bancassurance products distributed by OCBC Bank.
We will pay you FULL FD interest, which is calculated based on the actual number of days placed with FULL contractual FD rate.

Next Steps

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