CROSS-BORDER WEALTH FINANCING

This risk warning statement sets out some of the risks associated. It does not purport to disclose or discuss all the risks and you should therefore consult with your own legal, tax and financial advisers before accepting or utilising any such facility. You should determine whether any transaction is suitable for you, taking into account your objectives and financial situation. You are required to maintain a certain level of margin with CIMB Bank Berhad ("the Bank") for the facilities extended by the Bank to you. If the market moves against you, you may not only sustain a total loss of your initial margin deposit and any additional funds deposited with the Bank to maintain your position, but you may also incur further liability to the Bank or sustain further or additional losses. You may be called upon to "top-up" your margin by substantial amounts or repay outstanding amounts at short notice to maintain your margin, failing which the Bank may have to liquidate the securities placed by you as collateral at a loss and you would be liable for any resulting loss. If the amount is still not adequate to meet your obligations to the Bank, you should be aware that you would be liable to the Bank for the difference. The Bank may make margin calls on you through various methods, including via phone, SMS or email. Such margin calls are deemed effective once sent even if you may not have received it. However, even if the Bank has contacted you and provided a specific date by which you can meet a margin call, the Bank can still take necessary steps to protect its interests. This may include immediately selling all or any of the securities placed by you as collateral without notice to you and without waiting for the margin call deadline to expire. You are not entitled to choose which securities are to be liquidated or sold to meet a margin call. As the securities are collateral for the financing, the Bank has the right to decide which collateral to sell or realise in order to protect its interests. The Bank can change its margin of finance requirements at any time and is not required to provide you advance written notice. These changes in the Bank policy often take effect immediately and may result in the issuance of a margin call. Your failure to satisfy the call may cause CIMB Bank to liquidate or sell all or any of the securities securing the facility. You are not entitled to an extension of time on a margin call. Your failure to satisfy the call may cause CIMB Bank to liquidate or sell all or any of the securities securing the facility. You are not entitled to an extension of time on a margin call. While an extension of time to meet margin requirements may be available to you under certain conditions, you do not have the right to the extension.