CIMB Bank Save & Invest Contest

We all love the joy of winning. So, the next time you make a deposit or an investment with CIMB Bank or CIMB Islamic, you could stand to be a winner for the next 15 years. Every month from now to December, we’re giving you the chance to save a fortune by winning free petrol, utilities, groceries and even, holidays. Find out how you can win>>

It’s simple, really. No contest forms are required. All you need to do is make a minimum deposit or investment of RM100 and you’ll be entitled to one chance of winning, or you can take a financing facility with us and get 50 chances of winning.

With the price of utilities on the rise, everyone’s trying to save wherever they can. But how does anyone save on phone calls these days? Well, we can help. If your deposit or invest with CIMB Bank or CIMB Islamic makes you our big winner in August, we’ll cover you and your family’s phone bills up to a combined maximum of RM500 per month for the next 15 years. So now you don’t have to worry about being out of touch with the ones you love. Now doesn’t that save a fortune?

Find out what you can win this month!

PRIZE:
RM500 per month x 15 years

August 2008: Free Phone Bills For 15 Years
One (1) monthly Winner for the month of August 2008 will receive free phone bills for 15 years, up to a maximum of RM500 per month. For the first twelve (12) months of this period, the Winner shall send his/her monthly phone bill or multiple phone bill statements up to a maximum total of RM500 via mail to CIMB Bank or CIMB Islamic. CIMB Bank or CIMB Islamic shall arrange for settlement of the bills, up to a maximum of RM500 per month, and will not be liable for any loss or consequential damages as a result of non-payment of the amount exceeding RM500. Any remaining balance will not be refunded nor carried forward to the following month. After the first twelve (12) months upon confirmation of the Winner, CIMB Bank or CIMB Islamic shall make a lump sum payment of RM84,000 to the Winner’s CIMB Bank or CIMB Islamic account, as full settlement for the remaining 14 years of the prize.

September 2008: Free Electricity For 15 Years
One (1) Winner for the month of September 2008 will receive free electricity for 15 years, up to a maximum of RM500 per month. For the first twelve (12) months of this period upon confirmation of the Winner, the Winner shall send his/her monthly electricity bill or multiple electricity bill statements, up to a maximum total of RM500 to CIMB Bank or CIMB Islamic via mail. CIMB Bank or CIMB Islamic shall arrange for settlement of the bills, up to a maximum of RM500 per month, and will not be liable for any loss or consequential damages as a result of non-payment of the amount exceeding RM500. Any remaining balance will not be refunded nor carried forward to the following month. After the first twelve (12) months, CIMB Bank or CIMB Islamic shall make a lump sum payment of RM84,000 to the Winner’s CIMB Bank or CIMB Islamic account, as full settlement for the remaining 14 years of the prize.

October 2008: Free Holidays For 15 Years
One (1) monthly Winner for the month of October 2008 will receive free holidays for 15 years, worth RM6,000 per year. For the first year upon confirmation of the Winner, CIMB Bank or CIMB Islamic shall provide to the Winner a holiday voucher worth RM6,000. After the first year, CIMB Bank or CIMB Islamic shall make a lump sum payment of RM84,000 to the Winner’s CIMB Bank or CIMB Islamic account, as full payment for the remaining 14 years of the prize.

November 2008: Free Groceries For 15 Years
One (1) monthly Winner for the month of November will receive free groceries for 15 years, worth RM500 per month. For the first twelve (12) months upon confirmation of the Winner, CIMB Bank or CIMB Islamic shall provide to the Winner grocery vouchers worth RM500 each month. After the first twelve months, CIMB Bank or CIMB Islamic shall make a lump sum payment of RM84,000 to the Winner’s CIMB Bank or CIMB Islamic account, as full payment for the remaining 14 years of the prize.

December 2008: Free Petrol For 15 Years
One (1) monthly Winner for the month of December will receive free petrol for 15 years, up to a maximum of RM500 per month. For the first twelve (12) months upon confirmation of the Winner, CIMB Bank or CIMB Islamic shall provide the Winner with a petrol card with a credit limit of RM500 each month. After the first twelve months, CIMB Bank or CIMB Islamic shall make a lump sum payment of RM84,000 to the Winner’s CIMB Bank or CIMB Islamic account, as full payment for the remaining 14 years of the prize.

Grand Prize
One (1) Grand Prize winner will be selected at the end of the Contest Period to win Fixed Deposit/ Investment Account-i worth RM2000 per month for 15 years. For the first twelve (12) months upon confirmation of the Winner, CIMB Bank or CIMB Islamic shall deposit RM2,000 each month to the Winner’s CIMB Bank Fixed Deposit account or CIMB Islamic Investment Account-i wherein its tenure is to be decided by the Winner. After the first twelve months, CIMB Bank or CIMB Islamic shall cease making monthly deposits to the Winners account, instead CIMB Bank or CIMB Islamic shall make a lump sum payment of RM336,000 to the Winner’s CIMB Bank or CIMB Islamic account, as full payment of the remaining 14 years of the prize.

DEADLINE:
December 2008

TERMS & CONDITIONS:
CIMB BANK BERHAD & CIMB ISLAMIC BANK BERHAD “Save & Invest” Contest -Terms & Conditions

Eligibility
1.
CIMB Bank Berhad (“CIMB Bank”) and CIMB Islamic Bank Berhad (“CIMB Islamic”) “Save & Invest” Contest (“this Contest”) will run from 1st August 2008 to 31st December 2008, both dates inclusive (“Contest Period”).

2.
This contest is open to new and existing Deposit account holders, customers who invest or have invested in the CIMB Bank or CIMB Islamic Unit Trust/Structured Products and/or other investment products, and customers who sign up for the CIMB Bank and/or CIMB Islamic Housing Loan/Home Financing-i, Business Premise Loan/Business Premises Financing-i, Share Margin Financing, and/or Personal Loan/ Personal Financing-i (“Eligible Participants”). Please note that Personal Loan/ Personal Financing-i hereby excludes FlexiCash.

To be eligible to participate in this Contest during the Contest Period, the Eligible Participants should:
a.
make a new Deposit placement with CIMB Bank or CIMB Islamic by either opening a new deposit account which includes a Current Account/Current Account-i (CA/CA-i), Savings Account/Savings Account-i (SA/SA-i), Fixed Deposit/ General Investment Account-i/ Fixed Return Investment Account-i (FD/GIA-i/FRIA-i), Foreign Currency Account (FCA), and/or Foreign Currency Fixed Deposit Account (FCFD), or top-up their existing deposit balances with new deposit placements (this excludes accounts with Overdraft/Cash Line Facility-i, private banking and/or Nominee accounts).

b.
make new investments via an existing or new Unit Trust account or Structured Products and/or any other investment products as introduced by CIMB Bank or CIMB Islamic;.

c.
apply for a Housing Loan/Home Financing-i, Business Premise Loan/Business Premises Financing-i, Share Margin Financing and/or Personal Loan/Personal Financing-i; by signing up for and executing the same via the relevant Facilities Agreement (FA) for such loan/financing facilities.

3. The following shall not be eligible to participate in this Contest:

a.
Sole-proprietorships, Partnerships, Charitable/Non-profit Organizations/Societies, Corporate and Commercial Customers; and/or

b.
Permanent and/or contract employees of CIMB Bank or CIMB Islamic (including its subsidiaries and/or related companies) and/or their immediate family members (i.e. spouses, children, parents, brothers and sisters); and/or

c.
Representatives and/or agents (including advertising & promotion agents and technology vendors) of CIMB Bank or CIMB Islamic and their immediate family members (i.e. spouses, children, parents, brothers and sisters); and/or

d.
Individuals below the age of 18.

4.
With regard to joint account holders, the Eligible Participant shall be the primary account holders only.

The Contest
5.
Any deposit placements must be made with new funds external to CIMB Bank or CIMB Islamic, not via funds transferred from existing CIMB Bank or CIMB Islamic account(s).

6. Deposit placements and/or payments if made by way of cheques are subject to their clearance and will only be considered if not returned dishonoured.

The methods or modes of deposit and/or payments whether by cash or cheques can be as follows:
• Over the Counter
• Cash Deposit Machine
• Cheque Deposit Machine
• Inward Funds Transfer

7.
The qualifying entries for each of the categories as defined at Clause 2 above will be determined as follows:

7.1 Deposits

The eligibility and short-listing of Eligible Participants will be based on every RM100 increase in their deposit balances during the Contest Period wherein this will be considered as one entry for every monthly cycle throughout the Contest Period. Therefore, a top-up of RM1,000 in the customer’s deposit balance will entitle the Eligible Participants to 10 entries.

7.2 Unit Trust, Structured Products, and/or other investment products

The eligibility and short-listing of Eligible Participants under this category will be based on every RM100 invested in the CIMB Bank or CIMB Islamic unit trusts, structured products and/or other investment products during the Contest Period wherein this will be considered as one entry for every monthly cycle throughout the Contest Period. Therefore, an investment of RM1,000 in CIMB Bank or CIMB Islamic unit trust, structured products and/or other investment products will entitle the Eligible Participants to 10 entries.

7.3
Housing Loan/Home Financing-i, Business Premise Loan/Business Premises Financing-i, Share Margin Financing, Personal Loan/Personal Financing-i;

The eligibility and short-listing of Eligible Participants under this category will be based on each of the above accounts opened during the Contest Period wherein the same will be considered as 50 entries for each monthly cycle throughout the Contest Period. Therefore, taking up a Housing Loan/Home Financing-i and a Personal Loan/Personal Financing-i will entitle the Eligible Participants to 100 entries in each monthly cycle throughout the Contest Period.

The Prizes

8. The prizes to be given away under this Contest are as follows:

8.1 Monthly Prizes

a.
August 2008: Free Phone Bills For 15 Years
One (1) monthly Winner for the month of August 2008 will receive free phone bills for 15 years, up to a maximum of RM500 per month. For the first twelve (12) months of this period, the Winner shall send his/her monthly phone bill or multiple phone bill statements up to a maximum total of RM500 via mail to CIMB Bank or CIMB Islamic. CIMB Bank or CIMB Islamic shall arrange for settlement of the bills, up to a maximum of RM500 per month, and will not be liable for any loss or consequential damages as a result of non-payment of the amount exceeding RM500. Any remaining balance will not be refunded nor carried forward to the following month. After the first twelve (12) months upon confirmation of the Winner, CIMB Bank or CIMB Islamic shall make a lump sum payment of RM84,000 to the Winner’s CIMB Bank or CIMB Islamic account, as full settlement for the remaining 14 years of the prize.

b.
September 2008: Free Electricity For 15 Years
One (1) Winner for the month of September 2008 will receive free electricity for 15 years, up to a maximum of RM500 per month. For the first twelve (12) months of this period upon confirmation of the Winner, the Winner shall send his/her monthly electricity bill or multiple electricity bill statements, up to a maximum total of RM500 to CIMB Bank or CIMB Islamic via mail. CIMB Bank or CIMB Islamic shall arrange for settlement of the bills, up to a maximum of RM500 per month, and will not be liable for any loss or consequential damages as a result of non-payment of the amount exceeding RM500. Any remaining balance will not be refunded nor carried forward to the following month. After the first twelve (12) months, CIMB Bank or CIMB Islamic shall make a lump sum payment of RM84,000 to the Winner’s CIMB Bank or CIMB Islamic account, as full settlement for the remaining 14 years of the prize.

c.
October 2008: Free Holidays For 15 Years
One (1) monthly Winner for the month of October 2008 will receive free holidays for 15 years, worth RM6,000 per year. For the first year upon confirmation of the Winner, CIMB Bank or CIMB Islamic shall provide to the Winner a holiday voucher worth RM6,000. After the first year, CIMB Bank or CIMB Islamic shall make a lump sum payment of RM84,000 to the Winner’s CIMB Bank or CIMB Islamic account, as full payment for the remaining 14 years of the prize.

d.
November 2008: Free Groceries For 15 Years
One (1) monthly Winner for the month of November will receive free groceries for 15 years, worth RM500 per month. For the first twelve (12) months upon confirmation of the Winner, CIMB Bank or CIMB Islamic shall provide to the Winner grocery vouchers worth RM500 each month. After the first twelve months, CIMB Bank or CIMB Islamic shall make a lump sum payment of RM84,000 to the Winner’s CIMB Bank or CIMB Islamic account, as full payment for the remaining 14 years of the prize.

e.
December 2008: Free Petrol For 15 Years
One (1) monthly Winner for the month of December will receive free petrol for 15 years, up to a maximum of RM500 per month. For the first twelve (12) months upon confirmation of the Winner, CIMB Bank or CIMB Islamic shall provide the Winner with a petrol card with a credit limit of RM500 each month. After the first twelve months, CIMB Bank or CIMB Islamic shall make a lump sum payment of RM84,000 to the Winner’s CIMB Bank or CIMB Islamic account, as full payment for the remaining 14 years of the prize.

8.2 Grand Prize

One (1) Grand Prize winner will be selected at the end of the Contest Period to win Fixed Deposit/ Investment Account-i worth RM2000 per month for 15 years. For the first twelve (12) months upon confirmation of the Winner, CIMB Bank or CIMB Islamic shall deposit RM2,000 each month to the Winner’s CIMB Bank Fixed Deposit account or CIMB Islamic Investment Account-i wherein its tenure is to be decided by the Winner. After the first twelve months, CIMB Bank or CIMB Islamic shall cease making monthly deposits to the Winners account, instead CIMB Bank or CIMB Islamic shall make a lump sum payment of RM336,000 to the Winner’s CIMB Bank or CIMB Islamic account, as full payment of the remaining 14 years of the prize.

9. The maximum number of prizes that an Eligible Participant stands to win under this Contest is one (1) Grand Prize and/or one (1) Monthly Prize.

10.
The Winners shall be responsible to pay any tax, incidental cost and/or any other charges relating to any of the prizes. CIMB Bank and CIMB Islamic shall not be held liable for any tax, incidental cost, charges and/or damage caused by any of the prizes and/or non-fulfillment by any of its agents/distributors.

Winners Selection

11. The mechanics for the selection of the Winners

11.1 Monthly Prizes

11.1.1
The Eligible Participants who fulfill the criteria stated above will be short-listed by applying a random number to the monthly qualifying list of entries.

11.1.2
The first short-listed candidate will be contacted by phone and will be required to answer 2 simple questions wherein the short-listed candidate that answers the question correctly will win the Monthly Prize. Any short-listed candidate who fails to answer the 2 questions correctly, will not receive the Monthly Prize and the next short-listed candidate will be called to answer two questions. All question and answer sessions will be witnessed by a panel of judges selected by CIMB Bank and CIMB Islamic. The decision of the judges shall be final and no inquiries and correspondence in respect of the chosen Winner will be entertained. CIMB Bank and CIMB Islamic will endeavour to fix a convenient time for all short-listed candidates but it is entirely at CIMB Bank or CIMB Islamic sole discretion to fix the appointed date and time of these calls. CIMB Bank and CIMB Islamic shall not be held responsible for calls dropped during the question and answer sessions, nor the unavailability of short-listed candidates at the appointed date and time and /or for any other reasons beyond its control, although reasonable attempts will be made by the Bank to complete the question and answer session. The telephone call(s) made to the Winner(s) will be based on the telephone number(s) maintained in CIMB Bank or CIMB Islamic records. It is the customers’ responsibility to ensure that the contact phone numbers are updated in CIMB Bank or CIMB Islamic records. CIMB Bank and CIMB Islamic also reserve the right to record these telephone conversations.

11.1.3 The short-listed candidate who has already won one (1) Monthly Prize in an earlier round will not be eligible for other rounds to select the Monthly prize winners.

IMPORTANT NOTICE: At the time of short-listing:

* Deposit customers must have active deposit account(s) with CIMB Bank or CIMB Islamic.
* Unit Trust and Structured Product customers must not have withdrawn or redeemed their investments; and
* Housing Loan/Home Financing-i, Business Premise Loan/ Business Premises Financing-i, Share Margin Financing and Personal Loan/Personal Financing-i customers must have a binding loan/financing relationship with either CIMB Bank or CIMB Islamic, and/or must not have any missed or late payments.

11.1.4
Winners of the monthly prizes will be contacted via telephone and/or mail. CIMB Bank or CIMB Islamic will issue a Redemption Letter to the Winners and forward the Winners’ details (name, IC, telephone number, address) to the distributor/agent who would then contact the winners to redeem their prizes. The Winners shall be responsible to make the necessary arrangements with the distributor/agent for the delivery of prizes. All tax, charges and incidental costs in this regard shall be borne by the Winners.

11.2 Grand Prize

12.1.1
All Eligible Participants, including the Monthly winners, will qualify for the Grand Prize draw.

12.1.2
Fifty (50) candidates will be short-listed by applying a random number to the final qualifying list of entries. A Contest Form will be sent to the fifty (50) short-listed candidates who will have to complete the same according to the instructions attached and return the completed Form back to CIMB Bank or CIMB Islamic by the date specified on the Form. The selection of the Grand Prize Winner will be based on the completed Contest Forms and judged by a panel of judges selected by CIMB Bank and CIMB Islamic. The decision of the panel of judges is final and binding on all the potential Grand Prize winners.

12.1.3
The Grand Prize Winner shall be responsible to make the necessary arrangements to take delivery of the Grand Prize. All tax, incidental costs and charges shall be borne by the Grand Prize Winner.

12.1.4
At the time of winning the Grand Prize, all the conditions specified in the IMPORTANT NOTICE at clause 11.1.3 above once again apply.

General

12.
To the fullest extent permitted by law, CIMB Bank and CIMB Islamic expressly exclude and disclaim any representations, warranties, or endorsements, express or implied, written or oral, including but not limited to any warranty of quality, merchantability or fitness for a particular purpose in respect of the Prizes.

13.
In no event will CIMB Bank or CIMB Islamic be liable for any loss or damages (including without limitation, loss of income, profits or goodwill, direct or indirect, incidental, consequential, exemplary, punitive or special damages of any party including third parties) howsoever arising whether in contract, tort, negligence or otherwise, in connection with this Contest, even if CIMB Bank or CIMB Islamic has been advised of the possibility of such damages in advance, and all such damages are expressly excluded.

14.
Winners shall be determined by CIMB Bank and CIMB Islamic panel of judges whose decision shall be final and conclusive. No correspondence, queries, appeals or protests will be entertained.

15.
All Winners will be notified by telephone and/or mail. Names of the Winners will also be posted on CIMB Bank’s or CIMB Islamic’s website viz http://www.cimbbank.com.my and http://www.cimbislamic.com.

16.
CIMB Bank or CIMB Islamic reserves the right to cancel, terminate or suspend this Contest with or without any prior notice. For the avoidance of doubt, cancellation, termination or suspension by CIMB Bank or CIMB Islamic of this Contest shall not entitle any of the Eligible Participants to any claim or compensation against CIMB Bank or CIMB Islamic for any losses or damages suffered or incurred by the Eligible Participants as a direct or indirect result of the act of cancellation, termination or suspension.

17.
CIMB Bank or CIMB Islamic reserves the right at its absolute discretion to amend, delete or add to any of these Terms and Conditions from time to time without prior notice.

18.
These Terms and Conditions, as the same may be amended from time to time pursuant to Clause 17 above, shall prevail over any provisions or representations contained in any other promotional materials advertising this Contest.

19.
The Winners of the Contest may be required to attend and participate in a prize-giving ceremony and/or other related events organized by CIMB Bank or CIMB Islamic. If any and if the Winners fail to attend such ceremonies and/or events, CIMB Bank or CIMB Islamic reserves the right to forfeit the Prizes.

20.
CIMB Bank or CIMB Islamic reserves the right to publish or display the name, picture, identification numbers and city of residence, photographs or other information of the Grand Prize Winners and/or the Weekly Winners of this Contest for advertising and publicity.

21.
By participating in this contest, the Winners hereby consent to and agree that CIMB Bank or CIMB Islamic shall be at liberty to publish or display the names, identification numbers, photographs or other information on the Winners for advertisement or publicity purposes.

22.
By participating in this Contest, all Eligible Participants are deemed to have agreed to be bound by these Terms & Conditions and any decisions of CIMB Bank or CIMB Islamic.

23.
If there is any inconsistency (ies), conflict(s), ambiguity (ies) or discrepancy (ies) between the Bahasa Malaysia version and the English version of these Terms & Conditions, the English version of these Terms and Conditions shall prevail.

24.
CIMB Bank or CIMB Islamic decision on all matters relating to this Contest is final and binding and no correspondence will be entertained.

WEBSITE/URL: http://www.cimbbank.com.my/saveninvest/