DYNAMIC ASIA CAPITAL PROTECTED

Training Materials

Strictly for internal use by CIMB Group bank staff only. All contents strictly private & confidential to CIMB Group. Under no
circumstances are the contents of this document to be distributed to persons who are not employees of CIMB Group. This document
has been compiled for information purposes only, and nothing in its contents are to be construed as a representation, warranty or to
be relied upon in any way by any persons whatsoever. This is not an advertisement or promotional material nor is it an offer or
invitation to subscribe for, or to invest in any securities, investments or bank deposits.
Dynamic Asia Capital Protected

This is a Capital Protected Single Premium Closed

End Investment Linked plan with insurance
coverage.

Fund Objective
To provide investors with a 100% capital protection
at the end of 3 years together with potential
investment
Returns.

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Dynamic Asia Capital Protected

The Fund will be invested wholly in a three year Floating-Rate

Negotiable Instruments of Deposit (FRNID) issued by CIMB Bank
Berhad (the “Issuer”).

All investment income and capital gains are automatically

reinvested and reflected in the unit prices, therefore no dividend is
payable.

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The product…

The Product
Returns and Security. Upside is unlimited whilst downside is protected.
This product has the ability to gain returns similar to equity investments
with a capital protection feature built in.

The Proposition
Dynamic Asia offers investors unlimited capital growth with its
dynamically managed strategy. Investors are exposed to the rising
potential of Asian economies. Dynamic rebalancing strategy ensures
prudent adjustments according to market conditions.

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Dynamic Asia Capital Protected

Maximum Fund Size: RM 500.0 million

Minimum Fund Size : RM 25.0 million
Unit Offer Price : RM1.00
Tenure of Assurance : 3 years

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Dynamic Asia Capital Protected

100.0% of Amount Invested is allocated to

purchase units of the Fund at offer price of RM
1.00 per unit. The initial bid price of the units is
set at RM0.975 per unit

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Eligibility

Age Requirement of Payor/Proposer at Entry

Minimum: 18 years (age last birthday)
Maximum: No maximum age

Age Requirement of Life Assured at Entry

Minimum: 30 days at application
Maximum: 70 years (age last birthday)

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Eligibility

Minimum Investment
RM 25,000 per proposal & in multiples of RM1, 000.

Maximum Aggregate Investment (per life)

Aged 30 days to 60 years (LB) - RM5,000,000*
Aged 61 years (LB) to 70 years (LB)- RM1,000,000

* First RM1,000,000 is recorded as Single Premium. Any amount

exceeding RM 1,000,000 is recorded as Top Up Premium.

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Death Benefit – Before Policy Commencement Date

Only for Accidental Death as follows :

– For entry age of 30 days old to 60 years old LB:

• 125% of Single Premium (first RM1 Million) + 100% Top Up
Premium less any partial withdrawal or juvenile lien

– For entry age of 61 years old LB to 70 years old LB:

• 105% of Single Premium (first RM1 Million). No top ups
because maximum investment is RM1 million.

For Natural Death, then a return of premium will be

made.
Death Benefit – On & After Policy Commencement Date

Higher of the following will be payable:

¾ Account Value of the policy, or;

9For entry age of 30 days old to 60 years old LB:

™125% of Single Premium (first RM1 Million) + 100% Top Up
Premium less any partial withdrawal and juvenile lien

9For entry age of 61 years old to 70 years old:

™105% of Single Premium (first RM1 Million) less any partial
withdrawal.
Underwriting Requirement

Declaration of Good Health is required from each life to be assured,

in order for this assurance to be effective.
Charges

Description Rate
Bid Offer Spread 2.5% of Amount Invested
Fund Management Fee Nil
Partial Withdrawal Charge RM 50.00
Full Withdrawal Charge Nil
Insurance Charge Nil

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Helplines
LIC CONTACT FOR AGENT WITHIN KLANG VALLEY
1. Mohd Fauzi Zakaria - Email Address: mfauziz@cimbaviva.com,
- Contact Number : 012 357 9790
2. Xindy - Email Address : yxcheong@cimbaviva.com
- Contact Number : 012 270 1900
3. Chia - Email Address : sychia@cimbaviva.com
- Contact Number : 012 666 3531
4. Fatyah - Email Address : ishsalyta@cimbaviva.com
- Contact Number : 012 927 1210

LIC CONTACT FOR AGENT OUTSIDE KLANG VALLEY

1. Irma Hariati - Email Address : ihariati@cimbaviva.com
- Contact Number : 012 340 4660
(Northern Region)
2. Elango Muniandy - Email Address : elango@cimbaviva.com
- Contact Number : 012 518 3472

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Free Look Period

15 days from Date of receipt of the policy inclusive.

The Investor is deemed to have received the policy 7 days after we have
sent it to them.
The Investor may cancel the policy with CIMB Aviva during this Free Look
Period.

Therefore, in cases where customers have entrusted PFAs to receive

policies for them, it is important that PFAs deliver policies to customers
within 3 working days of receiving on their behalf.

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Free Look Period

The amount to be refunded by CIMB Aviva

Before Commencement Date
100% of amount invested

After Commencement Date

Account Value plus 2.5% of premium amount (ie the bid offer spread is
refunded) but not more than the Amount Invested.
If your client cancels after fund commencement, they may get back less
than they invested.

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Taxation

All benefits paid are received as life insurance proceeds and therefore are
not included is taxable income, subject to final decision of Lembaga Hasil
Dalam Negeri. This should not be construed as tax advice which the client
may obtain appropriately from a qualified tax advisor.

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Partial Withdrawal

Cost of Partial Withdrawal

RM50

Conditions for Partial Withdrawal:

Minimum account value balance of 25,000 units (after withdrawal)
(If not, then policy owner will need to do full surrender)
Minimum Withdrawal amount of 5,000 units & in multiples of 1,000 units

No Partial Withdrawal prior to Commencement Date

PFAs must inform the Policy Holders that there will be no partial withdrawal
activity before commencement date even though they may receive the
Policies earlier.

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