CIMB Preferred Wealth Starter Programme

Are you considering different wealth avenues to secure a brighter future?
Let us guide you on your first step towards investment opportunities with
our recommended wealth solutions to build a lasting legacy.

Begin your journey with these exclusive offers made with you in mind.

Callable Islamic Range Accrual (CIRA)⁴

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Enjoy rates of up to

4.35 % p.a.

_{Subject to underlying reference index movement.}

How does CIRA works?

CIRA quarterly profit is determined by the daily observation of the 3M Kuala Lumpur Interbank Offer Rate (KLIBOR).

Option 1:

4.10% p.a. Profit Rate

Year	Lower - Upper limits	CIRA Profit Rate (% p.a.) Indicative
Year 1 (1-4 Quarter)	0.00% - 4.10%	4.10% p.a.
Year 2 (5-8 Quarter)	0.00% - 4.10%	4.10% p.a.
Year 3 (9-12 Quarter)	0.00% - 4.05%	4.10% p.a.
Year 4 (13-16 Quarter)	0.00% - 4.05%	4.10% p.a.
Year 5 (17-20 Quarter)	0.00% - 4.05%	4.10% p.a.

Option 2:

4.35% p.a. Profit Rate

Year	Lower - Upper limits	CIRA Profit Rate (% p.a.) Indicative
Year 1 (1-4 Quarter)	0.00% - 4.00%	4.35% p.a.
Year 2 (5-8 Quarter)	0.00% - 4.00%	4.35% p.a.
Year 3 (9-12 Quarter)	0.00% - 3.90%	4.35% p.a.
Year 4 (13-16 Quarter)	0.00% - 3.90%	4.35% p.a.
Year 5 (17-20 Quarter)	0.00% - 3.90%	4.35% p.a.

Notes: Pricing provided is subject to weekly refresh. For the latest pricing information, kindly reach out to your dedicated Relationship Manager or visit our nearest branch.

Enjoy

preferential rates

on gold

for purchases between 180g
and 10kg at any CIMB branch

Why invest in eGIA?

Offer Period: 3 February 2025 - 30 April 2025

Connect with your dedicated Relationship Manager to start your
wealth journey today!

Alternatively, contact the Preferred Call Centre
at 1300 885 300 or visit your nearest Preferred branch.

Important Notes:

1. The Offers above under the CIMB Preferred Wealth Starter Programme (“Programme”) are only applicable to new and existing CIMB Preferred customers who have not accumulated any Investments as of the last day of the previous year (i.e., 31 December 2024) and continue to have no Investment up to the current date.

2. In relation to joint accounts, only the first named accountholder, i.e., the primary accountholder (“Primary Accountholder”), shall be eligible to participate in the Programme. For the purposes of this Programme, joint accountholder(s) other than the Primary Accountholder will not be eligible to participate in this Programme.

3. The Offer shall only be applicable for take up/subscription of Participating Product(s) within the same month during the Programme Period and not for any existing Participating Product(s) held by Eligible Customer(s). Multiple transactions for the take up/subscription of the Participating Product(s) within the month during the Programme Period are permitted.

4. Offer 1: Callable Islamic Range Accrual (“CIRA”):
a. Applicable for a minimum placement of RM65,000, and
b. Pricing of CIRA offered is subject to weekly refresh.

5. Offer 2: e-Gold Investment Account (“eGIA”):
a. Applicable for a minimum of 180g and a maximum of 10kg (customer buy transaction only), and
b. Applicable for transactions at the branch only.

6. The Programme is not valid in conjunction with any other offers and promotions (if any) and/or privileges offered by CIMB in relation to the Participating Product(s) unless stated otherwise.

Terms and Conditions

Terms and Conditions (ENG)

Terms and Conditions (BM)

Callable Islamic Range Accrual (“CIRA”)

WARNING

THIS PRODUCT IS PRINCIPAL GUARANTEED. THE CUSTOMER WILL BE PAID THE SELLING PRICE UPON MATURITY. IF THE PRODUCT IS REDEEMED OR SOLD PRIOR TO MATURITY, THE CUSTOMER MAY LOSE PART OF THE SELLING PRICE. THIS PRODUCT IS NOT PROTECTED BY PERBADANAN INSURANS DEPOSIT MALAYSIA.

e-GOLD INVESTMENT ACCOUNT (“eGIA”)

WARNING

THE e-GOLD INVESTMENT ACCOUNT (“eGIA”) IS NOT A PRINCIPAL PROTECTED PRODUCT NOR AN INTEREST BEARING ACCOUNT. THE RETURNS ON THE eGIA DEPENDS ON GOLD PRICE FLUCTUATIONS, THE RETURNS ON YOUR INVESTMENT IN GOLD ARE UNCERTAIN AND YOU RISK EARNING NO RETURNS AND/OR THE POSSIBILITY OF INCURRING LOSSES. YOU ARE ADVISED TO READ AND UNDERSTAND THE CONTENTS OF THE CIMB BANK e-GOLD INVESTMENT ACCOUNT AGREEMENT AND OPEN THE e-GIA BASED ON YOUR OWN JUDGEMENT AND/OR INDEPENDENT ADVICE OBTAINED. THIS PRODUCT IS NOT PROTECTED BY PERBADANAN INSURANS DEPOSIT MALAYSIA.

CIRA and eGIA are not protected by PIDM.

This material has not been reviewed by the Securities Commission Malaysia (“SC”).

Member of PIDM.