¹ Assuming that no early termination event occurs.

² Risk Disclosure:This is published for general information only and does not have any regard to the specific investment objective, financial situation and the particular needs of any specific person who may read this document. Any opinion, view or estimate is subject to change without notice and is made on a general basis.The Customer should take note that this instrument is principal guaranteed by the Bank when held to maturity, or (if applicable) the specified redemption date.If the instrument is redeemed or sold by the Customer prior to maturity, or (if applicable) the specified redemption date, the Bank shall be entitled to deduct any fees, charges and/or expenses incurred in connection with the same from the initial amount invested by the Customer.Customers may lose part or all of their original principal due to early withdrawal by the Customer. Unlike traditional deposits, structured deposits have an investment element and returns may vary. You may wish to seek advice from a licensed or an exempt financial adviser before making a commitment to purchase this product. In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should carefully consider whether this product is suitable for you. Please note that structured deposits are not insured deposits for the purposes of the Deposit Insurance and Policy Owners' Protection Schemes Act, Chapter 77B of the Statutes of the Republic of Singapore.The Bank shall not be liable or responsible for any losses or damages that may be incurred or suffered directly or indirectly by any person or party acting or relying on any information provided herein. Other terms as well as other important information can be found in the product term sheet and the Terms And Conditions Governing Structured Deposits, a copy of which can be obtained from our Relationship Managers. Additional Terms and Conditions apply.

³ Early Termination: The Bank reserves the right (but not the obligation) to early terminate this product at the end of each year ("optional early termination date") by giving notice (which may be given orally including by telephone or through any electronic communication) to the Customer on or before the exercise date. If the Structured Deposit is early terminated: (a) the maturity date shall be deemed to occur on the optional early termination date and the Bank shall pay the principal amount and any unpaid interest to the Customer in accordance with the Terms And Conditions Governing Structured Deposits; and (b) no further interest shall be payable by the Bank to the Customer after such maturity date.

⁴ Credit Risk: The Customer is taking on the credit risk of Malayan Banking Berhad (“Bank”) (Moody’s Long Term A3, S&P Long Term A-, Fitch Long Term A-) with respect to all payments due under the structured deposit (“Structured Deposit” or “this product”). Please note that the Bank will pay the full principal amount to the Customer only if the Structured Deposit is held to the maturity date, or (if applicable) the specified redemption date. In the event where the Bank becomes insolvent, the Customer may not receive any payouts and may lose his original principal.
Other terms as well as other important information can be found in the product term sheet and the Terms And Conditions Governing Structured Deposits, a copy of which can be obtained from our Wealth Managers. Additional Terms and Conditions apply.

Important Notes
The information contained herein is provided for general information only and does not constitute investment advice or a recommendation or an offer or solicitation. It is prepared for general dissemination without regard to the specific objectives, financial situation and needs of any particular person who may receive it. All investments are subject to risk, including the risk that the investor may lose all or part of his investment and the investor may not get back the original sum invested. Past performance is not necessarily indicative of future performance. The value of units and the income accruing from them, if any, may fall or rise. The units may be subdivided which may affect the performance of the fund. Investments are not obligations of, deposits in, or guaranteed by Maybank. Maybank is not obliged to update or to correct any inaccuracy in the information. The information is subject to change without notice. Investors should read the respective prospectus, the offer information statement and the product highlight sheet (as applicable) before deciding to subscribe for or purchase units in the fund(s). Copies of the respective fund prospectus, the offer information statement and product highlight sheet (as applicable) are available in the links above and can also be obtained from any Maybank Branch. You may wish to seek advice from a financial adviser before making a commitment to invest. In the event that you choose not to seek advice from a financial adviser, you should consider whether the investment is suitable for you. You are responsible for your own investment decisions. Maybank shall not be liable for any losses or damage whatsoever arising directly or indirectly howsoever in connection with or as a result of any person relying and/or acting on any information provided herein. Any views or opinions of third parties expressed in this material are solely those of the third parties and not of Maybank's.

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