TERMS AND CONDITIONS MBSB KIDS FIXED DEPOSIT ( KIDS FD ) CAMPAIGN ( PROMOTION ) 3. PLACEMENT OF DEPOSITS 1. THE PROMOTION

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1 TERMS AND CONDITIONS MBSB KIDS FIXED DEPOSIT ( KIDS FD ) CAMPAIGN ( PROMOTION ) 1. THE PROMOTION 1.1. The Promotion shall be valid from 2 June 2014 until 2 December 2014 (6 months) or upon achieving fund allocation of RM50 Million; whichever is earlier The Promotion is available at MBSB Kids Fun Branch ( Kids Fun Branch ) and all MBSB Sales & Service Centres (SSCs) nationwide The Promotion is valid for Conventional Kids Fixed Deposit only. 2. ELIGIBILITY 2.1. The Promotion is open to children aged below 18 years old ( Minor ) The Kids FD Account is to be operated and controlled by the parents / legal guardian who must be at least 18 years of age ( Trustee ) 2.3. The application or withdrawal of Kids FD must be made by the Trustee. The Trustee must be assigned as a primary account holder and the Minor as a secondary account holder The applicant is subject to all MBSB s requirements in opening Kids FD Account and Cheeky Savings Account ( Children Account ). The specimen signature(s) of the authorized signatory shall also be furnished to MBSB MBSB reserves the right to require the production of identity card and/or passport and/or birth certificate and/or any other relevant documents for the purpose of identification for any FD transaction. 3. PLACEMENT OF DEPOSITS 3.1. The minimum deposit required for account opening of Kids FD Account is RM1, Tenures available for Kids FD Account are quoted at 6, 9, 12, 24 or 36 months. MBSB reserves the absolute discretion without the obligation to assign any reason(s) whatsoever to vary the rates and tenures at any time subject to twenty one (21) calendar days prior notice. 4. INTEREST RATE / INTEREST PAYMENT 4.1. Interest at such rates as MBSB may specify at its sole discretion shall be transferred/deposited to Cheeky Savings Account on monthly basis. In the event of change of deposit rates by MBSB, notification of such change shall be prominently displayed at the SSCs premises and website and no individual notices shall be sent The Minor is mandatory to open Cheeky Savings Account for the interest payment purposes. The account holder is required to maintain their Cheeky Savings Account throughout the Kids FD placement. 5. UPLIFTMENT OF KIDS FD 5.1. Any upliftment of Kids FD may be subject to such requirements of MBSB and/or subject to the internal policies/procedures of MBSB, and/or subject to such proof of identity as MBSB may require.

2 5.2. For upliftment of Kids FD, the original FD certificate must be presented and duly signed by the authorized signatories as per account holder s signature registered with MBSB Partial upliftment of the Kids FD before maturity is not allowed Upliftment of the Kids FD can only be made at MBSB Home Branch only No interest will be paid on Kids FD uplifted before the completion of a minimum tenure of 3 months. For premature withdrawal of Kids FD that has been placed and completed at least a minimum tenure of 3 months, interest will be calculated based on 50 % from the MBSB s Prevailing Board Rate of the completed months. The paid interest will be deducted from the principal amount of such fixed deposit. 6. RENEWAL/ROLLOVER 6.1. The auto-renewal/rollover is not allowed under this Promotion. Upon maturity, the principal and interest payment will be transferred directly to MBSB Cheeky Savings Account. 7. LOSS OF FD CERTIFICATE 7.1. The account holder is to keep the FD Certificate safely and is required to immediately report, in writing, its loss, theft or destruction to MBSB The Duplicate Certificate may be issued against a duly signed and stamped Letter of Indemnity and payment of a service fee of RM15 or such other amount as MBSB may determine from time to time. For the purpose of upliftment, the duplicate certificate must be presented together with a duplicate copy of the stamped letter of indemnity. 8. RESERVATION OF RIGHTS MBSB reserves the right upon giving adequate notice to add, delete or amend any of the provisions stated herein from time to time, with twenty one (21) calendar days prior notice given on the changes made. Any variations, additions, deletions or amendments to the provisions herein shall be binding on the account holder and MBSB is deemed to have brought to the attention of the account holder by: (1) its display at MBSB s premises and website regarding the amendment where details provisions regarding the amendment may be provided in the notice itself or may be provided to the account holder request; or (2) by a notice being sent by MBSB to the account holder s last known address; or (3) advertised in major newspaper of MBSB s choice; or (4) via electronic mail or by any other means of notification which MBSB may select and the amendment shall be deemed binding on the account holder as from the date of notification of the amendment or from such other date as may be specified by MBSB in the notification.

3 TERMA & SYARAT KEMPEN DEPOSIT TETAP KANAK-KANAK MBSB ( KIDS FD) 1. PROMOSI 1.1. Promosi ini sah bermula dari 2 Jun 2014 sehingga 2 Disember 2014 (6 bulan) atau sehingga sampai RM50 Juta dana yang diperuntukkan; yang mana terdahulu Promosi ini sah di cawangan MBSB Kids Fun Branch, dan semua Pusat Jualan dan Perkhidmatan MBSB Promosi ini sah untuk Akaun Deposit Tetap Kanakkanak Konvensional sahaja. 2. KELAYAKAN 2.1. Promosi ini terbuka kepada kanak-kanak berumur 18 tahun ke bawah ( Minor ) 2.2. Akaun Deposit Tetap Kanak-Kanak ( Kids FD ) mestilah dikendali dan diurus oleh keluarga/ penjaga sah berumur 18 tahun ke atas ( Trustee ) 2.3. Permohonan dan pengeluaran akaun Kids FD mestilah dikendalikan oleh Penjaga Trustee. Penjaga dikehendaki menjadi pemegang akaun utama dan kanak-kanak sebagai pemegang akaun kedua Pemohon adalah tertakluk kepada semua syaratsyarat MBSB di dalam pembukaan Akaun Kids FD and Akaun Simpanan Cheeky ( Children Account ). Spesimen penandatangan yang sah hendaklah dikembalikan kepada MBSB MBSB berhak untuk menghendaki agar kad pengenalan dan/atau passport dan/atau sijil lahir dan/atau dokumen tambahan dikemukakan bagi tujuan pengesahan sebarang transaksi akaun deposit tetap. 3. PENEMPATAN DEPOSIT 3.1. Deposit minimum yang diperlukan bagi pembukaan akaun Kids FD adalah RM1, Tempoh matang yang ada bagi Kids FD adalah 6, 9, 12, 24 atau 36 bulan. MBSB berhak memutuskan secara mutlak tanpa sebarang kewajiban untuk memberi penjelasan terhadap perbezaan kadar faedah dan tempoh matang pada bila-bila masa tertakluk kepada notis pemberitahuan awal selama 21 hari. 4. KADAR FAEDAH/PEMBAYARAN FAEDAH 4.1. Kadar faedah yang telah ditetapkan MBSB akan didepositkan ke dalam Akaun Simpanan Cheeky secara bulanan. Sekiranya terdapat perubahan kadar faedah oleh MBSB, notis pemakluman awal akan dipaparkan di premis Pusat Jualan dan Perkhidmatan MBSB dan laman sesawang dan tiada notis individu akan dikeluarkan Pembukaan Akaun Simpanan Cheeky bagi kanak-kanak adalah diwajibkan bagi tujuan pembayaran faedah. Pemegang akaun dikehendaki untuk menyelenggara Akaun Simpanan Cheeky sepanjang penempatan Kids FD.

4 5. PENUNAIAN DEPOSIT TETAP 5.1. Sebarang penunaian Kids FD mungkin tertakluk kepada sebarang keperluan MBSB dan/atau tertakluk kepada polisi/amalan dalaman MBSB dan/atau tertakluk kepada sebarang bukti identiti yang mungkin dikehendaki oleh MBSB Bagi penunaian Deposit Tetap, salinan asal atau pendua resit Deposit Tetap hendaklah dikemukakan dan ditandatangani sewajarnya oleh penandatangan sah sepertimana yang didaftarkan dengan MBSB Penunaian sebahagian daripada Deposit Tetap sebelum tarikh matang adalah tidak dibenarkan. tentang kehilangan, kecurian atau kemusnahannya kepada MBSB Salinan Pendua Sijil Deposit Tetap boleh dikeluarkan apabila Surat Tanggung Rugi yang ditandatangani dan dimatikan setem dengan sewajarnya dan pembayaran yuran perkhidmatan sebanyak RM15 atau sebarang jumlah lain yang boleh ditentukan oleh MBSB dari semasa ke semasa. Bagi tujuan penunaian, salinan pendua sijil hendaklah disertakan bersama salinan pendua Surat Tanggung Rugi yang telah dimatikan setem. 8. PERIZABAN HAK 5.4. Penunaian Kids FD hanya boleh dilakukan di cawangan MBSB di mana penempatan deposit dibuat Tiada kadar faedah akan diberikan ke atas penunaian Kids FD sebelum lengkap tempoh minimum 3 bulan. Bagi penunaian pramatang Kids FD yang telah ditempatkan dan lengkap sekurangkurangnya 3 bulan, faedah akan dikira berdasarkan 50% dari faedah lazim MBSB bagi bulan yang telah lengkap. Faedah yang telah dibayar akan ditolak dari amaun prinsipal Deposit Tetap tersebut. 6. PEMBAHARUAN/PELANJUTAN 6.1. Pembaharuan/Pelanjutan automatik tidak dibenarkan bagi promosi ini. Setelah tempoh matang, prinsipal dan kadar faedah akan dipindahkan terus ke dalam Akaun Simpanan Cheeky MBSB. 7. KEHILANGAN SIJIL DEPOSIT TETAP 7.1. Pemegang Akaun hendaklah menyimpan Sijil Deposit Tetap dengan selamat dan dikehendaki dengan serta merta melaporkan kepada MBSB secara bertulis, MBSB berhak, setelah memberikan notis yang mencukupi untuk menambah, memotong atau meminda sebarang peruntukan yang dinyatakan di dalam ini pada bila-bila masa dengan 21 hari sebelum perubahan dibuat. Sebarang perubahan, tambahan, pemotongan atau pindaan ( Pindaan ) pada peruntukan di dalam ini adalah mengikat pemegang akaun dan dianggap telah dibawa kepada perhatian pemegang akaun melalui: (1) dipaparkan di premis MBSB dan laman sesawang berkenaan perubahan dimana perincian perubahan mungkin disediakan di dalam notis tersebut atau mungkin disediakan atas permintaan pemegang akaun; atau (2) melalui notis yang dihantar oleh MBSB kepada alamat pemegang akaun yang terakhir diketahui; atau (3) diiklankan dalam satu akhbar pilihan MBSB; atau (4) melalui mel elektronik atau sebarang cara pemakluman lain yang boleh dipilih oleh MBSB dan Pindaan hendaklah dianggap mengikat pemegang akaun dari tarikh makluman tentang Pindaan atau dari sebarang tarikh lain yang boleh ditetapkan oleh MBSB dalam pemakluman.

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