EXPLANATORY NOTES. Consolidated Statement. Please find the explanatory notes on CIMB Bank and CIMB Islamic Bank Berhad s Consolidated Statement:

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1 Date of Notice: 11 December 2015 EXPLANATORY NOTES Consolidated Statement To all valued customers, Please find the explanatory notes on CIMB Bank and CIMB Islamic Bank Berhad s Consolidated Statement: 1. The first page of the Consolidated Statement consists of a summary of all your accounts in Your Portfolio at a glance and Portfolio Overview. The account details are listed in the subsequent pages. Max InvestSave PSSIA-i and online accounts such as EcoSave Savings Account-i are not included in this Consolidated Statement. 2. The details at Your Portfolio at a glance summarises all your accounts by portfolio and the breakdown by category type is provided in Portfolio Overview. 3. The balance of your foreign currency accounts and gold investment accounts are presented in Ringgit Malaysia (RM). It is an indicative value only as the foreign exchange and gold exchange rates may fluctuate. The exchange rate used is as at the date of issuance of statement. 4. Bonus Points Earned This Period - reflects the Bonus Points earned in relation to all your applicable transactions and any banking products subject to the Terms and Conditions of the relevant products and accounts, as well as the Member Rewards Catalogue Terms and Conditions. 5. Summary of Your Bonus Points - is displayed as follows: Points Earned / Points Redeemed / Points Transferred based on your overall points movement. Total Points Available shows your points balance as at statement date. 6. The account balances for current/current-i, savings/savings-i, fixed deposit/fria-i, foreign currency current/current-i, foreign currency fixed deposit/fria-i, gold investment, borrowing/financing accounts are as at the last date of the month. 7. The investment account balances are as at the 25th of the month except dual currency investments which balances are as at the last date of the month.

2 8. The Market Value / Investment Value / Certificate Amount Value for Unit Trust/Islamic Unit Trust, investment linked insurance/takaful, structured investment or product/structured investment-i or product-i and retail bond investment/retail sukuk investment-i are based on the indicative Bid Price (Redemption Price) / NAV (Net Asset Value) Price / Market Price ( 'the Price' ) as of the 25th of the month. In the event that the 25th of the month is a Saturday, Sunday or a public holiday, then the Price shall be that as determined as at the immediate previous working day of the Bank. All investment values are subject to daily bid prices which are available on the CIMB Bank website at or upon request. 9. The Market Value (in RM Equivalent) for Retail Bond Investment/Retail Sukuk Investment-i and Unit Trust/Islamic Unit Trust is an indicative value as foreign exchange rates may fluctuate. The exchange rate used shall be based on the Bank's prevailing exchange rate as at the statement date. Note: The above Retail Bond investment/retail Sukuk investment-i amount is excluding Foreign Currency denominated Bond/Sukuk purchased through Reverse Repo. 10. The Investment Value / Certificate Amount Value (in RM equivalent) for the Structured Investment or Product/Structured Investment-i or Product-i is an indicative value as foreign exchange rates may fluctuate. The exchange rate used shall be the rate as at the statement date. 11. The Investment Amount (Equivalent in RM) for dual currency investment is calculated based on the prevailing exchange rate at the end of the trade date. 12. Notes for Unit Trust/Islamic Unit Trust Details section (where applicable): ¹Average Cost = Investment Cost Unit Balance. Investment amount is your average cost of investment where income distribution payout amounts are not considered. ²Unrealized Profit = Market Value - Investment Cost ³Return On Investment (ROI) = Unrealized Profit Investment Cost 13. For capital protected products, the principal amount is 100% capital protected when held to maturity. 14. The Consolidated Statement may include products and offerings from CIMB Islamic Bank Berhad ( H) which comprise of investment and hire purchase-i accounts.

3 15. The entries including the figures and balances shown in the statement will be deemed correct unless the Bank is notified of any discrepancy within 14 days from date of the consolidated statement. 16. The sign - denotes a credit balance in hire purchase/hire purchase-i accounts or other financing account and a debit balance in other accounts. 17. For balances that include deposits of local and house cheques, please allow sufficient time for clearance before utilization. 18. The Balance amount shown in the Summary of Your Borrowing/Financing Account section includes accrued interest/profit that is not yet due and therefore will not be reflected in the transactions shown in the Borrowing/Financing Account Transaction Details section. 19. The individual statements (in your sole name) that you were receiving previously shall be discontinued as these accounts are included in the Consolidated Statement. 20. You must immediately inform the Bank in writing of any change of address or of any change in any other pertinent particulars in the Bank's records failing which all statements sent by the Bank to your address last stated in the Bank's records shall be deemed to have been sent 3 days after the same was posted. 21. For CIMB Preferred and Private Banking members, kindly contact your Relationship Manager (RM) or contact our Personal Financial Consultant (PFC) at the home branch of your account call or us at cimbpreferred.callcentre@cimb.com for further enquiries. 22. For Prime Banking customers, kindly call or contact our Personal Financial Consultant (PFC) at the home branch of your account or us at callcentre@cimb.com. 23. This statement is issued to you on a monthly basis subject to the Terms and Conditions of the relevant products and accounts. 24. This is a computer-generated statement, no signature is required. The Management CIMB Bank Berhad & CIMB Islamic Bank Berhad

4 Tarikh Notis: 10 Disember 2015 NOTA-NOTA PENERANGAN Penyata Gabungan Para pelanggan yang dihargai, Sila rujuk kepada nota-nota penerangan berkenaan Penyata Gabungan CIMB Bank dan CIMB Bank Islamic Berhad: 1. Halaman pertama dalam Penyata Gabungan ini mengandungi ringkasan semua akaun anda dalam Ringkasan Portfolio Anda dan Imbasan Portfolio. Butir-butir akaun dan transaksi disenaraikan dalam halaman yang seterusnya. Max InvestSave PSSIA-i dan akaun dalam talian seperti Akaun Simpanan EcoSave-i tidak termasuk dalam Penyata Gabungan ini. 2. Ringkasan Portfolio Anda merangkumi semua akaun anda mengikut kategori yang disenaraikan dalam bahagian Imbasan Portfolio. 3. Baki akaun-akaun matawang asing dan akaun pelaburan emas adalah dalam Ringgit Malaysia (RM). Ini adalah nilai indikatif sahaja kerana kadar tukaran matawang asing dan kadar tukaran emas mungkin berubah. Kadar pertukaran yang digunakan adalah pada tarikh penyata ini dikeluarkan. 4. Mata Ganjaran Diperolehi Dalam Tempoh Ini menunjukkan jumlah mata ganjaran yang diperolehi untuk transaksi dan produk perbankan tertakluk kepada terma dan syarat produk dan akaun yang berkenaan, dan juga terma dan syarat Katalog Ganjaran Ahli. 5. Ringkasan Mata Ganjaran Anda - dipaparkan seperti berikut : Mata Diperolehi / Mata Dilunaskan / Mata Dipindahkan - berdasarkan pergerakan mata ganjaran. Jumlah Mata Terkini menunjukkan baki mata ganjaran pada tarikh penyata. 6. Baki akhir untuk akaun semasa/semasa-i, simpanan/simpanan-i, simpanan tetap/akaun Pulangan Pendapatan Tetap-i, semasa/semasa-i matawang asing, simpanan tetap/akaun Pulangan Pendapatan Tetap-i matawang asing, akaun pelaburan emas dan akaun pinjaman/pembiayaan adalah baki pada tarikh akhir bulan. 7. Baki akhir untuk akaun pelaburan adalah baki pada setiap 25 haribulan kecuali pelaburan dwimata wang adalah baki pada tarikh akhir bulan. 8. Nilai Semasa / Nilai Pelaburan / Nilai Amaun Sijil bagi Unit Amanah/Unit Amanah Islam, pelaburan berkaitan Insurans/Takaful, Pelaburan/Produk Berstruktur/Berstruktur-i dan Pelaburan Bon Runcit/Sukuk Runcit-i adalah berdasarkan Harga Bida indikatif (Harga

5 Penebusan) / Harga NAV (Nilai Aset Bersih) / Nilai Semasa ( 'Harga' ) pada tanggal ke- 25 bulan tersebut. Sekiranya tanggal ke-25 bulan tersebut jatuh pada hari Sabtu, Ahad atau cuti umum, maka Harga adalah sepertimana yang ditentukan pada hari kerja Bank sebaik sahaja sebelum itu. Semua nilai pelaburan adalah tertakluk kepada harga bida harian yang boleh didapati di laman web CIMB Bank di atau apabila diminta. 9. Nilai Semasa (setara dalam RM) bagi Pelaburan Bon Runcit/Sukuk Runcit-i dan Unit Amanah/Unit Amanah Islam adalah merupakan nilai indikatif kerana nilai kadar tukaran asing mungkin berubah. Kadar pertukaran yang digunakan adalah berdasarkan kadar pertukaran semasa Bank pada tarikh penyata ini dikeluarkan. Nota: Amaun pelaburan Bon Runcit/Sukuk Runcit-i di atas adalah tidak termasuk pembelian Bon/Sukuk nilai mata wang asing dengan menggunakan Reverse Repo. 10. Nilai Pelaburan / Nilai Amaun Sijil (setara dalam RM) bagi Pelaburan/Produk Berstruktur/Berstruktur-i adalah merupakan nilai indikatif kerana nilai kadar tukaran asing mungkin berubah. Kadar pertukaran yang digunakan adalah pada tarikh penyata ini dikeluarkan. 11. Nilai Pelaburan (Setara dalam RM) bagi pelaburan dwimata wang adalah berdasarkan kepada nilai kadar penukaran pada akhir tarikh transaksi. 12. Nota untuk seksyen Unit Amanah/Unit Amanah Islam (mana yang berkenaan): ¹Kos Purata = Kos Pelaburan Baki Unit. Amaun pelaburan adalah purata kos pelaburan anda dimana amaun bayaran pengagihan pendapatan tidak diambil kira. ²Keuntungan Pra Jualan = Nilai Pasaran Kos Pelaburan ³Pulangan Atas Kos Pelaburan = Keuntungan Pra Jualan Kos Pelaburan 13. Untuk produk dimana wang pokok dilindungi, amaun wang pokok akan dilindungi 100% jika dipegang sehingga matang. 14. Penyata Gabungan ini mungkin merangkumi produk dan tawaran daripada CIMB Islamic Bank Berhad ( H) untuk akaun pelaburan dan pembiayaan sewa beli-i. 15. Semua entri termasuk jumlah dan baki yang tertera dalam penyata gabungan akan dianggap betul melainkan pihak Bank diberitahu atas sebarang percanggahan dalam tempoh 14 hari dari tarikh penyata gabungan. 16. Tanda - melambangkan baki kredit untuk baki pembiayaan sewa beli/sewa beli-i atau pinjaman/pembiayaan lain dan baki debit untuk baki akaun lain.

6 17. Untuk baki yang jumlahnya merangkumi deposit cek tempatan dan cek cawangan sendiri, sila beri masa yang cukup untuk penjelasan cek sebelum menggunakan amaun tersebut. 18. Jumlah baki dalam seksyen Ringkasan Akaun Pinjaman/Pembiayaan merangkumi faedah/keuntungan terakru yang belum sampai tarikh untuk didebitkan ke dalam akaun pinjaman/pembiayaan anda. Maka, amaun faedah/keuntungan terakru ini tidak akan dipamerkan di dalam seksyen Butir-butir Transaksi Akaun Pinjaman/Pembiayaan. 19. Penyata individu (atas nama anda sendiri) yang anda biasa terima akan diberhentikan kerana akaun-akaun ini telah dimasukkan ke dalam Penyata Gabungan ini. 20. Anda hendaklah dengan serta-merta memaklumkan kepada Bank secara bertulis tentang sebarang pertukaran alamat atau sebarang perubahan pada sebarang butirbutir penting lain dalam rekod Bank dan jika tidak, semua penyata yang dihantar oleh Bank ke alamat anda yang terakhir sekali dinyatakan dalam rekod Bank akan dianggap dihantar 3 hari selepas dipos. 21. Untuk pelanggan CIMB Preferred dan Private Banking sila hubungi atau hubungi Pengurus Perhubungan anda atau Penasihat Kewangan Peribadi kami di cawangan akaun anda atau hantar emel ke cimbpreferred.callcentre@cimb.com untuk pertanyaan selanjutnya. 22. Untuk pelanggan Prime Banking, sila hubungi atau Penasihat Kewangan Peribadi kami di cawangan akaun anda atau hantar emel ke callcentre@cimb.com untuk pertanyaan selanjutnya. 23. Penyata ini dikeluarkan kepada anda setiap bulan berdasarkan Terma dan Syarat produk dan akaun berkenaan. 24. Penyata ini dicetak oleh komputer dan tidak perlu ditandatangani. Pihak Pengurusan CIMB Bank Berhad & CIMB Islamic Bank Berhad