1.5

The following may lead to Deposits, loan/financing, Investment or Bancassurance/ Bancatakaful product(s) being disqualified from balances calculation to determine the Customer’s Minimum Balance requirement for CPS pursuant to Clause 2 or the AUM/CUM requirement for private wealth segment pursuant to Clause 3, before and after CPS is granted to the Customer:

The following may lead to Deposits, loan/financing, Investment or Bancassurance/ Bancatakaful product(s) being disqualified from balances calculation to determine the Client’s Minimum Balance requirement for CPS pursuant to Clause 2 or the AUM requirement for private wealth segment pursuant to Clause 3, before and after CPS is granted to the Client:

The Bank reserves the right to upgrade the Customer’s CPS to the Bank’s private wealth segment which offers the Customer additional benefits and services to be notified by the Bank. These additional benefits may be varied, modified, suspended and/or terminated by the Bank by giving the Customer fourteen (14) calendar days notice. The upgrade to private wealth segment shall be subject to the Customer fulfilling the two (2) requirements below. The Customer must fulfil either Requirement 1a or 1b and Requirement 2 to be eligible: 

Requirement 1a: Assets Under Management - RM 1,000,000 and above

Requirement 1b: Credit Under Management - RM 3,000,000 and above

Requirement 2: WM / CASA/-i Balance - RM 500,000 and above

i. Requirement 1(a): AUM will be calculated using the average of the Customer’s last three (3) months month-end balance; or

ii. Requirement 1(b): Credit Under Management (“CUM”). CUM is defined as the total outstanding balance for loan and/or financing products held by the Customer the Bank and/or CIMB Islamic . CUM applies to any financing facility offered by the Bank and/or CIMB Islamic unless specifically stated otherwise. CUM will be calculated based on the Customer’s outstanding balance at the end of the previous month. For joint accounts, only the principal borrower/customer’s total outstanding balance will be taken into account.

The Bank reserves the right to upgrade the Client’s CPS to the Bank’s private wealth segment which offers the Client additional benefits and services to be notified by the Bank. These additional benefits may be varied, modified, suspended and/or terminated by the Bank by giving the Client fourteen (14) calendar days notice. The upgrade to private wealth segment shall be subject to the Client fulfilling the two (2) requirements below. The Client must fulfil Requirement 1 and Requirement 2 to be eligible: 

Requirement 1: Assets Under Management - RM 1,000,000 and above

Requirement 2: WM / CASA/-i Balance - RM 500,000 and above

i. With reference to Requirement 1, AUM will be calculated using the average of the Client’s last three (3) months month-end balance; and

Bank merizabkan hak untuk menaik taraf CPS Pelanggan ke segmen ‘private wealth’ Bank yang menawarkan kepada Pelanggan manfaat dan perkhidmatan tambahan yang akan dimaklumkan oleh Bank. Manfaat-manfaat tambahan ini boleh diubah, diubahsuai, digantung dan/atau ditamatkan oleh Bank dengan memberi notis selama empat belas (14) hari kalendar kepada Pelanggan. Penaiktarafan kepada segmen ‘private wealth’ hendaklah tertakluk kepada Pelanggan memenuhi dua (2) syarat di bawah. Pelanggan mesti memenuhi sama ada Syarat 1a atau 1b dan Syarat 2 untuk melayak diri:

Syarat 1a: Aset-aset Di Bawah Pengurusan - RM 1,000,000 dan ke atas

Syarat 1b: Kredit Di Bawah Pengurusan - RM 3,000,000 dan ke atas

Syarat 2: WM / Baki CASA/-i - RM 500,000 dan ke atas

i. Syarat 1(a): AUM akan dikira menggunakan purata baki akhir bulan bagi tiga (3) bulan terakhir Pelanggan; atau

ii. Syarat 1(b): Kredit Di Bawah Pengurusan (“CUM”). CUM ditakrifkan sebagai jumlah baki tertunggak bagi produk-produk pinjaman dan/atau pembiayaan yang dipegang oleh Pelanggan dengan Bank dan/atau CIMB Islamic. CUM terpakai kepada sebarang kemudahan pembiayaan yang ditawarkan oleh Bank dan/atau CIMB Islamic melainkan dinyatakan secara khusus sebaliknya. CUM akan dikira berdasarkan baki tertunggak Pelanggan pada akhir bulan sebelumnya. Untuk akaun bersama, hanya jumlah baki tertunggak peminjam/pelanggan utama yang akan diambil kira.

Bank merizabkan hak untuk menaik taraf CPS Pelanggan ke segmen ‘private wealth’ Bank yang menawarkan kepada Pelanggan manfaat dan perkhidmatan tambahan yang akan dimaklumkan oleh Bank. Manfaat-manfaat tambahan ini boleh diubah, diubahsuai, digantung dan/atau ditamatkan oleh Bank dengan memberi notis selama empat belas (14) hari kalendar kepada Pelanggan. Penaiktarafan kepada segmen ‘private wealth’ hendaklah tertakluk kepada Pelanggan memenuhi dua (2) syarat di bawah. Pelanggan mesti memenuhi Syarat 1 dan Syarat 2 untuk melayak diri:

Syarat 1: Aset-aset Di Bawah Pengurusan - RM 1,000,000 dan ke atas

Syarat 2: WM / Baki CASA/-i - RM 500,000 dan ke atas

i. Merujuk kepada Syarat 1, AUM akan dikira menggunakan purata baki akhir bulan bagi tiga (3) bulan terakhir Pelanggan; dan