Advantages of Dual Currency Investment 

• To get higher interest income compared to deposit interest
• To invest in short term yield enhancement product and feel comfortable with the risk of currency conversion to receive return in alternative currencies
• Diversification and asset allocation is a strategy that combines several types of investments in an investment portfolio

Dual Currency Investment Feature

• Dual Currency Investment is available in several foreign currencies, which can be paired with other currencies
• It is non-principal protected, where at maturity the investment can be returned/converted into an alternative currency
• Relatively short tenor, 1 week, 2 weeks, 1 month, 2 months, 3 months, 6 months and up to 1 year
• Income indications can be estimated according to applicable scenarios
• Cannot be withdrawn before maturity and no fees are charged
• Using 2 agreed currencies
• Can use all foreign currencies and rupiah according to applicable regulations
• The minimum amount to make a Dual Currency Investment transaction is USD 25,000.00 (or equivalent) and the maximum amount is the average daily account balance at Maybank Indonesia for 90 (ninety) days.

Benefits of Dual Currency Investment

• Have a risk appetite and exposure to 2 (two) specific currencies.
• Get higher interest income compared to conventional deposits.
• Invest in short term yield enhancement product and accept or feel comfortable with the risk of currency conversion and accept investments in alternative currencies
• Can diversity its assets
• Have a certain view of the currency invested

Risk of Dual Currency Investment

• Dual Currency Investment does not come with full protection of the principal in the original currency at maturity depending on the performance of the currency pair in the market. In the event that the Customer receives an investment return in alternative currency and the Customer decides to immediately convert back to the base currency, the Customer may experience a loss so that the principal value of the investment received by Customer may be smaller than the principal value of the initial investment.
• Cannot be cashed before the maturity date.
• Cannot be used as collateral for loans
• Dual Currency Investment are not included in the scope of the government guarantee program or Lembaga Penjaminan Simpanan (Deposit Guarantee Institution)

Term and Condition

1. The customer must has a current or savings account (Rupiah or Foreign currency) at Maybank and has signed the required documents needed to enter Dual Currency Investment transaction including:
   1. Prospectus/termsheet
   2. Statement Letter of the total position of management funds
   3. Statement Letter of difference in customer risk profile
   4. Photocopy of identity (KTP-el for Indonesian citizen or Passport for foreigners) 
2. The minimum amount to enter a DCI transaction is USD 25,000 (or equivalent) and the maximum amount is the average daily account balance at Maybank Indonesia for 90 (ninety) days.
3. The Customer authorizes the Bank to block and unblock disburse the deposit account and credit the deposit disbursement proceeds to the agreed source currency account at the investment maturity date.
4. Neither the Bank nor the Customer is permitted to terminate the transaction before maturity, funds cannot be withdrawn during the investment tenor

Disclaimer

1. The Bank has right to refuse applications for products and services if the customer does not meet the applicable legal requirement and regulations.
2. The Customers are required to read this Product and Service Information Summary carefully and can contact the Bank if there any questions regarding all matters related to this Product and Service Information Summary.

For further product information, please contact your Relationship Manager or come to the nearest Maybank Indonesia Branch.