Policies & Charters | OCBC Bank Malaysia

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<ul> <li><a href="/group/index.page">OCBC Group</a></li> <li>Policies and Charters</li> </ul> </div> </div> </div> <div class="iw_component" id="iw_comp1656331729767"> <div class="group-1-component sidebar"></div> <div class="module container animate bp-width-med3"> <div class="com__bank-policies"> <div class="row"> <div class="b-p-side-nav col-lg-4 col-md-4 d-none d-md-block"> <div sticky-content=""> <div class="side-nav-with-sub"> <div class="com__side-nav scrolling has-styled-nav nav--2 mb-4"> <h5><strong>Charters</strong></h5> <ul class="d-flex d-md-block styled-nav clearfix align-items-center owl-nav1"> <li class="side-nav-item col-4 col-md-12 selected"><a href="#e-banking-charter" class="" target="_self">E-banking Charter (Condition of Access)</a></li> <li class="side-nav-item col-4 col-md-12 "><a href="#customer-service-charter" class="" target="_self">Customer Service Charter</a></li> <li class="side-nav-item col-4 col-md-12 "><a href="#fair-treatment-charter" class="" target="_self">Fair Treatment Charter</a></li> </ul> </div> <div class="com__side-nav scrolling has-styled-nav nav--2 mb-4"> <h5><strong>Policies</strong></h5> <ul class="d-flex d-md-block styled-nav clearfix align-items-center owl-nav1"> <li class="side-nav-item col-4 col-md-12 "><a href="#common-reporting-standard-policy" class="" target="_self">Common Reporting Standard (CRS) Policy</a></li> <li class="side-nav-item col-4 col-md-12 "><a href="#foreign-account-tax-compliance-act-policy" class="" target="_self">Foreign Account Tax Compliance Act (FATCA) Policy</a></li> <li class="side-nav-item col-4 col-md-12 "><a href="#anti-bribery-and-corruption-policy" class="" target="_self">Anti-Bribery and Corruption Policy</a></li> <li class="side-nav-item col-4 col-md-12 "><a href="#e-invoicing-announcement" class="" target="_self">e-Invoicing Announcement</a></li> </ul> </div> </div> </div> </div> <div class="col-lg-8 col-md-8"> <div class="accordion-mobile-nav-items d-none"> <div class="accordion-mobile-nav"> <div class="accordion-mobile-nav-label"><span></span></div> <div class="accordion-mobile-nav-list"><label class="a-mobile-nav-title">Charters</label><div class="a-mobile-nav-item selected" data-href="#e-banking-charter" target="_self">E-banking Charter (Condition of Access)</div> <div class="a-mobile-nav-item " data-href="#customer-service-charter" target="_self">Customer Service Charter</div> <div class="a-mobile-nav-item " data-href="#fair-treatment-charter" target="_self">Fair Treatment Charter</div><label class="a-mobile-nav-title">Policies</label><div class="a-mobile-nav-item " data-href="#common-reporting-standard-policy" target="_self">Common Reporting Standard (CRS) Policy</div> <div class="a-mobile-nav-item " data-href="#foreign-account-tax-compliance-act-policy" target="_self">Foreign Account Tax Compliance Act (FATCA) Policy</div> <div class="a-mobile-nav-item " data-href="#anti-bribery-and-corruption-policy" target="_self">Anti-Bribery and Corruption Policy</div> <div class="a-mobile-nav-item " data-href="#e-invoicing-announcement" target="_self">e-Invoicing Announcement</div> </div> </div> </div> <div id="left-nav-identifier"></div> </div> </div> </div> </div> </div> <div class="iw_component" id="iw_comp1656331729791"> <div class="group-1-component sidebarcontent"></div> <div class="module container bp-width-med3 animate section"> <div class="row"> <div class="col-md-12"> <div class="accordion com_toggle accordion--v2" init-mode="none" close-others="false"> <div class="clearfix"> <div class="float-left mb2"> <h4 class="mb0"><strong>Charters</strong></h4> </div><a class="accordion__button link fz-14 float-right link--underline d-none d-md-block" href="#"><span class="accordion__button-show-all">Expand all</span><span class="accordion__button-hide-all">Collapse all</span></a></div> <ul class="accordion__list"> <li id="e-banking-charter" class="accordion__item selected"> <div class="accordion__item__title"> <h5><strong>E-Banking Charter (Condition of Access)</strong></h5> </div> <div class="accordion__item__content"><p>We are strongly committed to protecting the security, integrity and confidentiality of your personal or private information. We have put in place stringent security and control measures to prevent unauthorised access which could result in the alteration, destruction, theft of data or compromise the confidentiality of our customer’s data.</p> <p>Our site utilises commercially proven security hardware and software products in our system, network and application infrastructure. These include routers, firewalls, intrusion prevention/detection system and secure operating systems. Industry standard 128-bit SSL (secure socket layer) communication protocol is the de facto cryptographic standard that is used for securing data communication between the client browser and OCBC systems. It is used for ensuring transaction privacy, message integrity and server-side authentication using digital certificate technology. Over and above SSL, all passwords are encrypted end-to-end from the client browser to OCBC systems.</p> <p>At OCBC, all connections must pass through at least one router and one firewall to gain connectivity to the server. The firewall checks for the appropriate source address, and restricts the traffic to the appropriate servers. Penetration test and application vulnerability assessment are also conducted on a periodic basis to detect system vulnerabilities. Additional technical security features include DigiCert digital certificates, 128-bit encryption; two factors (2-FA) user authentication and automatic session log off after a pre-set time period.</p> <p>To serve you better, we may combine information you give us on the Web or through other channels. We also use aggregated information about the use of our services to evaluate our users’ preferences, improve our services and facilitate our reporting of Internet usage. Like most websites, we use small bits of data called cookies stored on users’ computers to simulate a continuous connection. Cookies let us “remember” information about your preferences and allow you to move within our service without reintroducing yourself. If we collect information from you, it is held securely and we maintain stringent control and access procedures in accordance with our Privacy Policy.</p> <p>Please note that you play a part in system security as well. Although we exercise every effort to provide a safe, secure and reliable system, we do not have control over the computer, computer software, systems and other incidentals used by you to access the system and transmission over the Internet cannot be guaranteed to be absolutely secure. You should not share your password, PIN and one-time-passwords (OTP) with any other person; you should never display your account information in an area visible to others; and your personal computer or other electronic device should never be left unattended.</p></div> </li> <li id="customer-service-charter" class="accordion__item"> <div class="accordion__item__title"> <h5><strong>Customer Service Charter</strong></h5> </div> <div class="accordion__item__content"><p><a rel="noopener" href="/iwov-resources/sg/ocbc/gbc/pdf/policies-and-charters/OCBC Customer Service Charter.pdf" target="_blank"><i class="fas fa-file-pdf">  </i>Customer Service Charter PDF</a></p></div> </li> <li id="fair-treatment-charter" class="accordion__item"> <div class="accordion__item__title"> <h5><strong>Fair Treatment Charter</strong></h5> </div> <div class="accordion__item__content"><p><strong>We are committed to <span style="color: #cb2d3e;">Treating Our Customers Fairly</span></strong></p> <p><strong>By making fair treatment central to our culture and values.</strong><br />This means we integrate fair practices and standards to our business strategies and financial products and services.</p> <p><strong>By making our terms fair.</strong><br />This means the terms of our products and services are reviewed periodically to ensure fairness has been given due consideration.</p> <p><strong>By making our information clear, relevant and timely.</strong><br />This means we lay out and illustrate timely and up-to-date information, and where possible the fees and charges, risks and benefits of our products and services both clearly and concisely in our materials.</p> <p><strong>By exercising due care, skill and diligence in everything we do.</strong><br />This means our staff explain the features and benefits of our products and services clearly and with integrity, and without any exaggerated claims or material omissions.</p> <p><strong>By recommending only appropriate products and services.</strong><br />This means we ensure our product and service recommendations meet our customers’ particular needs, such as by conducting a suitability analysis when necessary.</p> <p><strong>By being open to feedback.</strong><br />This means we train our staff to handle feedback promptly and respond within a reasonable timeframe.</p></div> </li> </ul> </div> </div> </div> </div> </div> <div class="iw_component" id="iw_comp1656331739156"> <div class="group-1-component sidebarcontent"></div> <div class="module container bp-width-med3 animate list-decimal-point-reset"> <div class="row"> <div class="col-md-12"> <div class="accordion com_toggle accordion--v2" init-mode="none" close-others="false"> <div class="clearfix"> <div class="float-left mb2"> <h4 class="mb0"><strong>Policies</strong></h4> </div><a class="accordion__button link fz-14 float-right link--underline d-none d-md-block" href="#"><span class="accordion__button-show-all">Expand all </span><span class="accordion__button-hide-all">Collapse all</span></a></div> <ul class="accordion__list"> <li id="common-reporting-standard-policy" class="accordion__item selected"> <div class="accordion__item__title"> <h5><strong>Common Reporting Standard (CRS) Policy</strong></h5> </div> <div class="accordion__item__content"><p>Effective 1 January 2017.</p> <p><strong>1. Definitions and Interpretation.</strong></p> <p>In this CRS Policy, the following capitalised terms have the following meaning:</p> <p>"<strong>Account Information</strong>" means any information relating to any account of a Customer with OCBC Bank including without limitation (and if applicable):</p> <ol class="list-alpha-lower"> <li> <p>the account number;</p> </li> <li> <p>account balance or value;</p> </li> <li> <p>currency denomination;</p> </li> <li> <p>gross receipts;</p> </li> <li> <p>withdrawals and payments to or from the account;</p> </li> <li> <p>the total gross amount of interest paid or credited to the account;</p> </li> <li> <p>the total gross amount of interest, dividends and other income generated with respect to the assets held in the account, in each case paid or credited to the account or with respect to the account;</p> </li> <li> <p>the total gross proceeds from the sale or redemption of property paid or credited to the account; and</p> </li> <li> <p>the total gross amount paid or credited to the Customer with respect to the account, including the aggregate amount of any redemption payments made to the Customer.</p> </li> </ol> <p>"<strong>Applicable Laws and Regulations</strong>" mean any of the following that currently or in the future apply to OCBC Bank (i) local or foreign laws, ordinances, regulations, demands, guidance, orders, guidelines, rules and codes of practice, including whether or not relating to an intergovernmental agreement between the governments or regulatory authorities of two or more jurisdictions; and (ii) any agreement between OCBC Bank and any government or taxation authority in any jurisdiction; and including but not limited to the CRS.</p> <p>"<strong>Authority</strong>" means any national, state, or local government, any political subdivision thereof, any agency, authority, instrumentality, whether judicial or administrative, regulatory or self-regulatory organisation, law enforcement body, court, central bank or tax or revenue authority in any jurisdiction whether within or outside of Malaysia.</p> <p>"<strong>Controlling Person</strong>" means any natural person who exercises control over a legal person or a legal arrangement, such as a corporation, partnership, trust or foundation. In the case of a trust, such term means the settlor, the trustees, the protector (if any), the beneficiaries or class of beneficiaries, and any other natural person exercising ultimate effective control over the trust, and in the case of a legal arrangement other than a trust, such term means persons in equivalent or similar positions. The term "Controlling Person" must be interpreted in a manner consistent with the Financial Action Task Force Recommendations. Where no natural person or persons is or are identified as exercising control of the entity through ownership interests, the controlling person of the entity is deemed to be the natural person who holds the position of senior managing official.</p> <p>"<strong>CRS</strong>" means the Standard for Automatic Exchange of Financial Account Information in Tax Matters, developed by the Organisation for Economic Co-operation and Development and any associated similar or analogous legislation, treaty, regulation, instruction or other official guidance of any Authority in any jurisdiction.</p> <p>"<strong>Customer</strong>" means the Person who has a relationship with OCBC Bank in connection with the Services, whether alone or jointly with any other Person and, in the case of a corporation, shall include its successors and in the case of a partnership or other unincorporated entity consisting of two or more Persons, its successors, executors and personal representatives.</p> <p>"<strong>OCBC Bank</strong>" means OCBC Bank (Malaysia) Berhad & OCBC Al-Amin Bank Berhad and shall include its successors and assigns.</p> <p>"<strong>Person</strong>" means an individual, corporation, company, partnership, joint venture, trust, estate, limited liability company, unincorporated organisation or other entity.</p> <p>"<strong>Personal Information</strong>" in respect of a Customer and any Controlling Person, means: (i) where the Customer and any Controlling Person is an individual, his/her full name, date and place of birth, residential address, mailing address, hold mail instruction or in-care-of address, contact information (including telephone number), and any taxpayer identification number (or functional equivalent), (if applicable) social security number, citizenship(s), standing instructions to transfer funds to an account, power of attorney or signatory authority granted to any person, residency(ies) and tax residency(ies) or (if applicable) such other information as OCBC Bank may reasonably require regarding such Customer and any Controlling Person; (ii) where the Customer and any Controlling Person is a corporate/entity, its full name, date and place of incorporation or formation, address, registered address, address of place of business, tax identification number (or functional equivalent), , tax status, tax residency, financial statements, registered address, address of place of business, certification of its CRS status/classification, whether it is a passive NFE (as that term is defined by Applicable Laws and Regulations) with one or more Controlling Persons, or (if applicable) such other information as OCBC Bank may reasonably require regarding each of its substantial shareholders and controlling persons.</p> <p>"<strong>Services</strong>", in relation to a Customer, means, without limitation, (i) the opening, maintaining and closing of bank accounts; (ii) the issuing, maintaining, administering and terminating of insurance policies; (iii) the provision of any banking or financial services and products (including without limitation, private banking services, credit facilities, credit card services, loans, brokerage, investment banking services, corporate finance services, provision of mezzanine capital, capital market services, services in respect of treasury products and financial derivatives transactions); (iv) relationship maintenance between OCBC Bank and the Customer (including without limitation marketing and promoting banking or financial services or products); and (v) any other acts or materials of OCBC Bank ancillary to, in furtherance of or in connection with any of the (i) to (iv) above (including without limitation research and analysis).</p> <p>"<strong>Tax Information</strong>" in respect of a Customer and any Controlling Person, means: (i) any documentation or information (and accompanying statements, forms, representations, waivers and consents as OCBC Bank may from time to time require or as the Customer and any Controlling Person from time to time give) relating, directly or indirectly, to the tax status of the Customer and any Controlling Person; (ii) Personal Information of the Customer and any Controlling Person; (iii) Account Information; and (iv) any other information received by OCBC Bank in relation to the Customer, including (but not limited to) information collected and maintained pursuant to AML/KYC procedures.</p> <p><strong>2. Tax Compliance Provisions </strong></p> <p><strong>2.1 Provision of Information </strong></p> <ol class="list-alpha-lower"> <li> <p>The Customer must provide OCBC Bank with the Customer's Personal Information, and where reasonably required by OCBC Bank, the Personal Information of any Controlling Person, in such form and within such time, as OCBC Bank may from time to time require.</p> </li> <li> <p>When there is a change or addition to the Personal Information of the Customer and (where applicable) any Controlling Person, the Customer must update OCBC Bank promptly (and in any event no later than 30 days from the date of the change or addition) of the change or addition if the Customer has not done so already.</p> </li> <li> <p>The Customer must, and, where applicable, procure such Controlling Person to, complete and sign such documents and do such things as OCBC Bank may reasonably require from time to time for purposes of OCBC Bank's compliance with Applicable Laws and Regulations.</p> </li> <li> <p>The Customer agrees that OCBC Bank may directly require any Controlling Person to provide or confirm the accuracy of their Personal Information without involving the Customer if OCBC Bank reasonably considers it appropriate.</p> </li> </ol> <p><strong>2.2 Disclosure of Information </strong></p> <ol class="list-alpha-lower"> <li> <p>The Customer agrees that OCBC Bank may disclose the Customer's Tax Information and the Tax Information of any Controlling Person to any Authority in any jurisdiction for the purpose of ensuring OCBC Bank's compliance with Applicable Laws and Regulations.</p> </li> <li> <p>The Customer waives, and, where reasonably required by OCBC Bank, agrees to procure any Controlling Person to waive, any applicable restrictions that would otherwise hinder OCBC Bank's ability to disclose Tax Information to comply with Applicable Laws and Regulations, and in particular, to disclose Tax Information in the manner described in 2.2a.</p> </li> <li> <p>The Customer agrees that OCBC Bank may directly require any Controlling Person to agree to the disclosure described in 2.2a and/or waive any otherwise applicable restrictions on such disclosure, if OCBC Bank reasonably considers it appropriate.</p> </li> </ol> <p><strong>2.3 Failure to Provide Information </strong></p> <p>The Customer agrees that:</p> <ol class="list-alpha-lower"> <li> <p>where the Customer fails to comply with its obligations under 2.1 or 2.2 above; or</p> </li> <li> <p>where any Controlling Person fails to comply with OCBC Bank's requirements set out in 2.1 or 2.2 above; or</p> </li> <li> <p>where the Personal Information (regardless of whether such Personal Information is in relation to the Customer or any Controlling Person) is inaccurate, incomplete, misleading or is not promptly updated; or</p> </li> <li> <p>for whatever reason OCBC Bank is prevented (under Malaysia law or otherwise) from disclosing the Tax Information of the Customer and/or any Controlling Person(s) to the relevant Authority as may be required by Applicable Laws and Regulations,</p> </li> </ol> <p>OCBC Bank may take one or more of the following actions at any time as may be required by OCBC Bank to ensure its compliance with Applicable Laws and Regulations:</p> <ol class="list-decimal"> <li> <p>refuse to provide new Services to the Customer;</p> </li> <li> <p>terminate the Customer's account(s) with OCBC Bank;</p> </li> <li> <p>discontinue entirely or in part OCBC Bank's relationship with the Customer;</p> </li> <li> <p>provide (whether before or after taking actions as described in items 2 and 3 of this section) the Tax Information relating to the Customer and/or any Controlling Person to an Authority in any jurisdiction.</p> </li> </ol> <p><strong>3. Customer Confirmations </strong></p> <p>By using or accepting the Services, the Customer confirms and agrees that:</p> <ol class="list-alpha-lower"> <li> <p>without prejudice to the applicable terms and conditions governing the relationship between OCBC Bank and the Customer, the Customer confirms that the Customer has read this CRS Policy, has received adequate explanation, and understands the implications of this CRS Policy by which the Customer irrevocably agrees to be bound;</p> </li> <li> <p>any agreement, waiver, representation and/or confirmation given in, or to be given pursuant to, this CRS Policy is irrevocable;</p> </li> <li> <p>OCBC Bank is not liable for any costs or loss that the Customer (or any Controlling Person) may incur because of OCBC Bank taking any actions permitted by or exercising any powers under this CRS Policy;</p> </li> <li> <p>any withdrawal or payment amount made by OCBC Bank pursuant to any Services shall be subject to this CRS Policy;</p> </li> <li> <p>the Customer must obtain or, as the case may be, have obtained the requisite consent from each Controlling Person for the provision of his or her Tax Information to OCBC Bank and the disclosure of any of such Tax Information by OCBC Bank under this CRS Policy and the Customer must inform each Controlling Person of OCBC Bank's powers under this CRS Policy;</p> </li> <li> <p>this CRS Policy is without prejudice, and in addition, to OCBC Bank's rights or powers under the terms and conditions governing the relationship between the Customer and OCBC Bank.</p> </li> </ol> <p><strong>4. General </strong></p> <ol class="list-alpha-lower"> <li> <p>In the event of any conflict or inconsistency between any of the contents of this CRS Policy and other terms and conditions that govern the Customer relationship with OCBC Bank, this CRS Policy shall prevail.</p> </li> <li> <p>Notwithstanding any other terms and conditions that govern the Customer's relationship with OCBC Bank (including but not limited to amendments or modification provisions of such terms and conditions), OCBC Bank may amend, update, and revise this CRS Policy unilaterally at any time as may be required by OCBC Bank to ensure its compliance with Applicable Laws and Regulations.</p> </li> <li> <p>If all or any part of this CRS Policy is illegal, invalid or unenforceable in any respect under the law of any jurisdiction, that shall not affect or impair the legality, validity or enforceability of such provision in any other jurisdictions or the remainder of this CRS Policy in that jurisdiction.</p> </li> <li> <p>It is the Customer's and each Controlling Person's responsibility to obtain independent professional advice from adequately qualified legal or tax advisors on its obligations under and the consequences of this CRS Policy. OCBC Bank do not provide tax or legal advice and are unable to advise Customers and/or Controlling Persons regarding the US federal income tax or other tax consequences that may be applicable to them in the Customer's (or the relevant Controlling Person's) particular circumstances.</p> </li> </ol> <p><strong>What do you need to do?</strong></p> <p>You need to complete the OCBC Self-Certification Form to declare your tax residency(ies) and you may be asked to provide supporting document(s). Click below for the form.<br /><a rel="noopener" href="/iwov-resources/sg/ocbc/gbc/pdf/policies-and-charters/self_certification_fatca_crs.pdf" target="_blank">Conventional</a><br /><a rel="noopener" href="/iwov-resources/sg/ocbc/gbc/pdf/policies-and-charters/AA_self_certification_fatca_crs.pdf" target="_blank">Islamic</a></p> <p>For more information on how this affects you, please see our <a rel="noopener" href="/iwov-resources/sg/ocbc/gbc/pdf/policies-and-charters/faq_crs.pdf" target="_blank">FAQ guide</a>.</p> <p><strong>Any further queries?</strong></p> <p>If you have any further queries regarding the CRS and your tax position, please contact a tax advisor. OCBC Bank is unable to provide tax advice. You may also find useful reference at the website of the Organisation for Economic Co-operation and Development (OECD).</p></div> </li> <li id="foreign-account-tax-compliance-act-policy" class="accordion__item"> <div class="accordion__item__title"> <h5><strong>Foreign Account Tax Compliance Act (FATCA) Policy</strong></h5> </div> <div class="accordion__item__content"><p>Effective 1 July 2014</p> <p><strong>1.Definitions and Interpretation </strong></p> <p>In this FATCA Policy, the following capitalised terms have the following meaning:</p> <p>"<strong>Account Information</strong>" means any information relating to any account of a Customer with OCBC Bank including without limitation the account number, account balance or value, and gross receipts, withdrawals and payments to or from the account.</p> <p>"<strong>Applicable Laws and Regulations</strong>" means obligations of OCBC Bank to comply with: (i) applicable local or foreign laws, ordinances, regulations, demands, guidance, orders, guidelines, rules, codes of practice, whether or not relating to an intergovernmental agreement between the governments or regulatory authorities of two or more jurisdictions; and (ii) any agreement between OCBC Bank and any government or taxation authority in any jurisdiction; and including but not limited to FATCA.</p> <p>”<strong>Authority</strong>" means any national, state, or local government, any political subdivision thereof, any agency, authority, instrumentality, whether judicial or administrative, regulatory or self-regulatory organisation, law enforcement body, court, central bank or tax or revenue authority in any jurisdiction whether within or outside of Malaysia.</p> <p>"<strong>Consenting Person</strong>" means any Person or entity whose information (including Tax Information) is received by OCBC Bank in connection with the provision of Services. For the avoidance of doubt, "Consenting Person" may include Customers, substantial owners and controlling persons of Customers, any Person who is beneficially interested or financially interested in the payments made or to be made by OCBC Bank.</p> <p>"<strong>Controlling Person</strong>" means any individual who exercises ultimate effective control over an entity or trust.</p> <p>"<strong>Customer</strong>" means the Person who has a relationship with OCBC Bank in connection with the Services, whether alone or jointly with any other Person and, in the case of a corporation, shall include its successors and in the case of a partnership or other unincorporated entity consisting of two or more Persons, its successors, executors and personal representatives.</p> <p>"<strong>FATCA</strong>" means Section 1471 to 1474 of the United States Internal Revenue Code of 1986, as amended and any associated similar or analogous legislation, treaty, intergovernmental agreement, foreign financial institution agreement, regulation, instruction, or other official guidance of any Authority in any jurisdiction whether within or outside of Malaysia.</p> <p>"<strong>Person</strong>" means an individual, corporation, company, partnership, joint venture, trust, estate, limited liability company, unincorporated organisation or other entity.</p> <p>"<strong>Personal Information</strong>" in respect of a Customer and any Consenting Person, means: (i) where the Customer and any Consenting Person is an individual, his/her full name, date and place of birth, residential address, mailing address, contact information (including telephone number), and any taxpayer identification number, social security number, citizenship(s), residency(ies) and tax residency(ies) or (if applicable) such information as OCBC Bank may reasonably require regarding Customer and any Consenting Person; (ii) where the Customer and any Consenting Person is a corporate/entity, its date and place of incorporation or formation, registered address, address of place of business, tax identification number, tax status, tax residency, registered address, address of place of business or (if applicable) such information as OCBC Bank may reasonably require regarding each of its substantial shareholders and controlling persons.</p> <p>"<strong>Services</strong>", in relation to a Customer, means, without limitation, (i) the opening, maintaining and closing of bank accounts; (ii) the issuing, maintaining, administering and terminating of insurance policies; (iii) the provision of any banking or financial services and products (including without limitation, private banking services, credit facilities, credit card services, loans, brokerage, investment banking services, corporate finance services, provision of mezzanine capital, capital market services, services in respect of treasury products and financial derivatives transactions); (iv) relationship maintenance between OCBC Bank and the Customer (including without limitation marketing and promoting banking or financial services or products); and (v) any other acts or materials of OCBC Bank ancillary to, in furtherance of or in connection with any of the (i) to (iv) above (including without limitation research and analysis).</p> <p>"<strong>Substantial owner</strong>" includes (1) with respect to a corporate or entity, certain persons that directly or indirectly own 25% and more of the corporation's stock (by vote or value) and (2) with respect to a trust, certain persons treated as the owner of the trust or treated as holding directly or indirectly own 25% and more of the beneficial interests of the trust.</p> <p>"<strong>Tax Information</strong>" in respect of a Customer and any Consenting Person, means: (i) any documentation or information (and accompanying statements, waivers and consents as OCBC Bank may from time to time require or as the Customer and any Consenting Person from time to time give) relating, directly or indirectly, to the tax status of the Customer and any Consenting Person; (ii) Personal Information of the Customer and any Consenting Person; and (iii) Account Information.</p> <p><strong>2.Tax Withholding and Compliance Provisions </strong></p> <p><strong>2.1 Provision of Information </strong></p> <ol class="list-alpha-lower"> <li> <p>The Customer must provide OCBC Bank with the Customer's Personal Information, and where reasonably required by OCBC Bank, the Personal Information of any Consenting Person, in such form and within such time, as OCBC Bank may from time to time require.</p> </li> <li> <p>When there is a change or addition to the Personal Information of the Customer and (where applicable) any Consenting Person, the Customer must update OCBC Bank promptly (and in any event no later than 30 days from the date of the change or addition) of the change or addition.</p> </li> <li> <p>The Customer must, and, where applicable, procure such other Consenting Person to, complete and sign such documents and do such things as OCBC Bank may reasonably require from time to time for purposes of OCBC Bank's compliance with Applicable Laws and Regulations.</p> </li> <li> <p>The Customer agrees that OCBC Bank may directly require any Consenting Person to provide or confirm accuracy of their Personal Information without involving Customer if OCBC Bank reasonably considers it appropriate.</p> </li> </ol> <p><strong>2.2 Disclosure of Information </strong></p> <p>The Customer agrees that OCBC Bank may disclose the Customer's Tax Information and the Tax Information of any other Consenting Person to any Authority in any jurisdiction for ensuring OCBC Bank's compliance with Applicable Laws and Regulations.</p> <ol class="list-alpha-lower"> <li> <p>The Customer waives, and, where reasonably required by OCBC Bank, agrees to procure any other Consenting Person to waive, any applicable restrictions that would otherwise hinder OCBC Bank's ability to disclose Tax Information to comply with Applicable Laws and Regulations, and in particular, to disclose Tax Information in the manner described in 2.2a.</p> </li> <li> <p>The Customer agrees that OCBC Bank may directly require any other Consenting Person to agree to the disclosure described in 2.2a and/or waive any otherwise applicable restrictions on such disclosure, if OCBC Bank reasonably considers it appropriate.</p> </li> </ol> <p><strong>2.3 Failure to Provide Information </strong></p> <p>The Customer agrees that:</p> <ol class="list-alpha-lower"> <li> <p>where the Customer fails to comply with its obligations under 2.1 above; or</p> </li> <li> <p>where any of the other Consenting Persons fails to comply with OCBC Bank's requirements in 2.1 or 2.2; or</p> </li> <li> <p>where the Personal Information (regardless of whether such Personal Information is in relation to Customer or any other Consenting Person) is inaccurate, incomplete, or not promptly updated; or</p> </li> <li> <p>for whatever reason OCBC Bank is prevented (under Malaysia law or otherwise) from making disclosure of the Tax Information of Customer and/or any other Consenting Person(s) to the relevant Authority as may be required by Applicable Laws and Regulations.</p> </li> </ol> <p>OCBC Bank may take one or more of the following actions at any time as may be required by OCBC Bank to ensure its compliance with Applicable Laws and Regulations:</p> <ol class="list-decimal"> <li> <p>deduct from or withhold part of any amounts payable by OCBC Bank to the Customer and/or any other Consenting Person;</p> </li> <li> <p>refuse to provide new Services to the Customer;</p> </li> <li> <p>terminate the Customer's account(s) with OCBC Bank;</p> </li> <li> <p>discontinue entirely or in part OCBC Bank's relationship with Customer;</p> </li> <li> <p>provide (whether before or after taking actions as described in items 3 and 4 of this section) the Tax Information relating to Customer and/or any of the Consenting Persons to such Authority in any jurisdiction.</p> </li> </ol> <p><strong>3. Customer Confirmations </strong></p> By using or accepting the Services, the Customer confirms and agrees that: <ol class="list-alpha-lower"> <li> <p>without prejudice to the Terms and Conditions, the Customer confirms that the Customer has read this provision "Tax Reporting and Withholding Compliance Provisions", has received adequate explanation, and understands the implications of this provision "Tax Reporting and Withholding Compliance Provisions" by which Customer irrevocably agrees to be bound;</p> </li> <li> <p>any agreement, waiver, confirmations given in, or to be given pursuant to, this provision "Tax Reporting Withholding and Compliance Provisions" is irrevocable;</p> </li> <li> <p>OCBC Bank is not liable for any costs or loss that the Customer (or any other Consenting Persons) may incur because of OCBC Bank taking any actions permitted by or exercising any powers under this FATCA Policy;</p> </li> <li> <p>any withdrawal or payment amount made by OCBC Bank pursuant to any Services shall be subject to this FATCA Policy;</p> </li> <li> <p>the Customer must obtain or, as the case may be, have obtained the requisite consent from each Consenting Person for the provision of his/her/its Tax Information to OCBC Bank and the disclosure of any of such Tax Information by OCBC Bank under this FATCA Policy;</p> </li> <li> <p>the Customer must inform each Consenting Person of OCBC Bank's powers under this FATCA Policy;</p> </li> <li> <p>this FATCA Policy is without prejudice, and in addition, to OCBC Bank's rights or powers under the terms and conditions governing the relationship between Customer and OCBC Bank.</p> </li> </ol> <p><strong>4.General</strong></p> <ol class="list-alpha-lower"> <li>In the event of any conflict or inconsistency between any of the contents of this FATCA Policy and other terms and conditions that govern the Customer’s relationship with OCBC Bank, this FATCA Policy shall prevail.</li> <li>Notwithstanding any other terms and conditions that govern the Customer’s relationship with OCBC Bank (including but not limited to amendments or modification provisions of such terms and conditions), OCBC Bank may amend, update, and revise this FATCA Policy unilaterally at any time as may be required by OCBC Bank to ensure its compliance with Applicable Laws and Regulations.</li> <li>If all or any part of this FATCA Policy is illegal, invalid or unenforceable in any respect under the law of any jurisdiction, that shall not affect or impair the legality, validity or enforceability of such provision in any other jurisdictions or the remainder of this FATCA Policy in that jurisdiction.</li> <li>It is the Customer's responsibility to obtain independent professional advice from adequately qualified legal or tax advisors on its obligations under and the consequences of this FATCA Policy. OCBC Bank do not provide tax or legal advice and is unable to advise Customers regarding the US federal income tax or other tax consequences to them under the Customer's particular circumstances.</li> </ol> <p><strong>What do you need to do? </strong></p> <p>You need to complete the OCBC Self-Certification Form to declare your tax residency(ies) and you may be asked to provide supporting document(s). Click below for the form.<br /><a rel="noopener" href="/iwov-resources/sg/ocbc/gbc/pdf/policies-and-charters/self_certification_fatca_crs.pdf" target="_blank">Conventional</a><br /><a rel="noopener" href="/iwov-resources/sg/ocbc/gbc/pdf/policies-and-charters/AA_self_certification_fatca_crs.pdf" target="_blank">Islamic</a></p> <p>For more information on how this affects you, please see our <a rel="noopener" href="/iwov-resources/sg/ocbc/gbc/pdf/policies-and-charters/faq_crs.pdf" target="_blank">FAQ guide</a>.</p> <p><strong>Any further queries?</strong></p> <p>If you have any further queries regarding the CRS and your tax position, please contact a tax advisor. OCBC Bank is unable to provide tax advice. You may also find useful reference at the website of the Organisation for Economic Co-operation and Development (OECD).</p></div> </li> <li id="anti-bribery-and-corruption-policy" class="accordion__item"> <div class="accordion__item__title"> <h5><strong>Anti-Bribery and Corruption Policy (“the Policy”) Summary</strong></h5> </div> <div class="accordion__item__content"><div class="list-decimal-point"> <ol class="padding-left-50px-li"> <li> <p><strong>Purpose</strong></p> <ol> <li> <p>OCBC Bank (Malaysia) Berhad and its subsidiaries (hereinafter referred to as “OCBC Bank” in this document) are committed to conducting its business in accordance with the highest ethical standards in full compliance with all applicable laws, regulations and standards in all locations and jurisdictions in which it operates.</p> </li> <li> <p>The Policy applies to OCBC Bank, its directors, employees and external parties who have dealings with OCBC Bank.</p> </li> <li> <p>OCBC Bank takes a ZERO-TOLERANCE APPROACH against any form of bribery and corruption and is committed to acting professionally, fairly and with integrity in all its business dealings and relationships wherever OCBC Bank operates. OCBC Bank expects all external parties who conduct business for and on behalf of OCBC Bank to share the same commitment and to have in place an appropriate anti-bribery and corruption (“ABC”) compliance policy and programme which is consistent with the principles set out in the Policy.</p> </li> <li> <p>OCBC Bank prohibits the commission of any form of bribery and corruption to anyone nor the acceptance of any form of bribery and corruption from anyone for any purpose by its employees and external parties who conduct business for or on behalf of OCBC Bank.</p> </li> <li> <p>OCBC Bank has implemented a robust ABC Programme supplemented by various policies and procedures to ensure that bribery and corruption risks identified by OCBC Bank are appropriately mitigated.</p> </li> </ol> </li> <li> <p><strong>Facilitation Payments and Kickbacks </strong></p> <ol> <li> <p>OCBC Bank strictly prohibits the offering or giving of any form of facilitation payments or kickbacks (including the provision of any service, gift or entertainment whether in cash or anything of value) as well as accepting of kickbacks for any reason, including any activity or action that may lead or suggest that a facilitation payment or kickback is offered, made or received.</p> </li> </ol> </li> <li> <p><strong>Conflict of Interest </strong></p> <ol> <li> <p>Employees must act in good faith in carrying out their duties and responsibilities and keeping the interests of OCBC Bank paramount to all other interests as part of any decision-making process.</p> </li> <li> <p>All employees must ensure that their personal or business interests does not conflict, or appear to conflict, with the interests of OCBC Bank, its shareholders, customers and other stakeholders.</p> </li> </ol> </li> <li> <p><strong>Gifts and Entertainment</strong></p> <ol> <li> <p>OCBC Bank strictly prohibits the acceptance and provision of gifts and entertainment to and from existing or prospective customers, external parties or business acquaintance that may influence or can be perceived to be able to influence the employee’s judgement in a decision-making process or put the employee in a position of conflict.</p> </li> </ol> </li> <li> <p><strong>Charitable Donations, Sponsorships and Political Contributions </strong></p> <ol> <li> <p>As a matter of general policy, OCBC Bank does not make political contributions whether in cash or in-kind as this can be perceived as an attempt to gain an improper business advantage. Employees are strictly prohibited to make any political contribution on behalf of OCBC Bank for whatever reason.</p> </li> <li> <p>Particular care must be taken when considering any requests for charitable donations and sponsorships to ensure that the requests are legitimate, and the payment will not be used to facilitate and conceal acts of bribery.</p> </li> <li> <p>Due diligence must be carried out on the potential recipient/ external party prior to any provision of charitable donations and sponsorships.</p> </li> </ol> </li> <li> <p><strong>Dealing with External Parties</strong></p> <ol> <li> <p>Prior to entering into or continuing a business relationship with any prospective or existing external parties for the performance of work for or on behalf of OCBC Bank, an appropriate counterparty due diligence must be performed on the external party to assess its integrity and exposure to bribery and corruption risks. OCBC Bank will not enter or continue a business relationship with any external party reasonably suspected of engaging in bribery or unethical business practices unless those suspicions are investigated and resolved.</p> </li> <li> <p>Employees are required to ensure that appropriate due diligence and controls are applied to any external party engaged by OCBC Bank, to ensure that they comply with the Policy and any applicable ABC legislation and regulation throughout the external party’s business relationship with OCBC Bank.</p> </li> </ol> </li> <li> <p><strong>Dealing with Public Officials </strong></p> <ol> <li> <p>When dealing with Public Officials, employees are strictly prohibited from offering, directly or indirectly, anything of value including gifts, entertainment, charitable contributions and sponsorships in order for that Public Official to act (or omit to act) in a way that differs from the Public Official’s proper duties, obligations and standard of conduct. Due care and diligence must be exercised at all times when dealing with Public Officials.</p> </li> </ol> </li> <li> <p><strong>Reporting Known or Suspected Violations</strong></p> <ol> <li> <p>The prevention, detection and reporting of bribery and other forms of corruption are the responsibility of all those working for or on behalf of OCBC Bank.</p> </li> <li> <p>It is the responsibility of all employees and external parties who act for or on behalf of OCBC Bank to report all incidents of bribery and corruption that may come to his or her attention via OCBC Bank’s whistleblowing channels.</p> </li> <li> <p>All reports of known or suspected bribery and corruption incidents lodged with OCBC Bank by any source will be treated with requisite confidentiality and will not be disclosed or discussed with parties other than those charged with investigation and management of such reports.</p> </li> <li> <p>Appropriate actions will be instituted against those found responsible for bribery and corruption incidents, including disciplinary actions, termination of employment or termination of contract and reporting to the relevant authorities.</p> </li> </ol> </li> <li> <p><strong>Training and Communication </strong></p> <ol> <li> <p>OCBC Bank requires all employees to undergo periodic ABC training to enhance the awareness and understanding of OCBC Bank’s ABC commitment.</p> </li> <li> <p>OCBC Bank’s zero-tolerance approach to bribery and corruption is communicated to all external parties at the outset of our business relationship with them and as appropriate thereafter.</p> </li> </ol> </li> <li> <p><strong>Record Keeping </strong></p> <ol> <li> <p>All records and documentation relating to the various policies and procedures which address specific areas of bribery and corruption risk must be properly maintained and retained.</p> </li> </ol> </li> <li> <p><strong>Review of the Policy </strong></p> <ol> <li> <p>Chief Compliance Officer reviews the Policy annually, or as and when necessary, whichever is earlier to ensure it remains relevant and accurate.</p> </li> </ol> </li> </ol> </div> <br /><br /> <p><strong>Definitions</strong></p> <div class="row"> <div class="col-md-3"> <p><strong>Bribery</strong></p> </div> <div class="col-md-9"> <p>Inducement or reward accepted or offered, promised or provided in order to gain any commercial, contractual, regulatory or personal advantage through improper performance.</p> </div> <div class="col-md-3"> <p><strong>Charitable Donation</strong></p> </div> <div class="col-md-9"> <p>A voluntary contribution of anything of value, monetary or nonmonetary, with the express purpose of business development or business preservation and made based on strategies developed by OCBC Bank.</p> </div> <div class="col-md-3"> <p><strong>Corruption</strong></p> </div> <div class="col-md-9"> <p>The abuse of public or private office for personal gain.</p> </div> <div class="col-md-3"> <p><strong>Conflict of Interest</strong></p> </div> <div class="col-md-9"> <p>A situation where an individual’s private/ personal interest interferes with the individual’s objectivity in acting in the best interest of his/ her employer and potentially impeding the individual’s ability to impartially carry out his/ her duties and responsibilities.</p> </div> <div class="col-md-3"> <p><strong>Employees</strong></p> </div> <div class="col-md-9"> <p>Employees include permanent, temporary, casual, part time or on fixed term contracts employees of OCBC Bank as well as other persons (not directly employed by OCBC Bank) permitted to perform duties or functions in OCBC Bank, for example seconded employees, interns, trainees and persons hired under agency contracts.</p> </div> <div class="col-md-3"> <p><strong>Entertainment</strong></p> </div> <div class="col-md-9"> <p>Any benefit received from or offered to any external parties where donor is present.</p> <p>Examples include but not limited to the following:</p> <ul class="list-bullet padding-left-30px-li"> <li> <p>meals, drinks, visits to theatres, other venues, etc;</p> </li> <li> <p>tickets to events (e.g. invitations to concerts, exhibitions, sporting events);</p> </li> <li> <p>personal events at discounted rates (e.g. travel or accommodation arrangements, etc.); and/or</p> </li> <li> <p>any other activities being given or received to initiate or develop relationships with external parties.</p> </li> </ul> </div> <div class="col-md-3"> <p><strong>External parties</strong></p> </div> <div class="col-md-9"> <p>External parties are those who are retained to perform services or conduct business for and on behalf of OCBC Bank or those conducting business together with OCBC Bank (including but not limited to partners, agents, representatives, intermediaries, introducers, brokers, contractors, suppliers, consultants and joint venture entities) and its employees.</p> </div> <div class="col-md-3"> <p><strong>Facilitation Payment</strong></p> </div> <div class="col-md-9"> <p>An unofficial payment made to secure or speed up a routine or necessary process by a government agency, government official or person of authority to which the payer is entitled. Facilitation payment can sometimes be known as “grease payment” or “expediting payment”. This definition of facilitation payment does not include the payment of fees to expedite, fast track or speed up a service in accordance with an official and published price list.</p> </div> <div class="col-md-3"> <p><strong>Gift</strong></p> </div> <div class="col-md-9"> <p>Anything of value that is given to and received from any person or organization who have, who may have, or who may facilitate the creation of a business relationship and/ or employment with any entity within OCBC Bank.</p> </div> <div class="col-md-3"> <p><strong>Kickback</strong></p> </div> <div class="col-md-9"> <p>A payment made in return for a business favour or advantage. These payments are considered as inducements or incentives as the payer is legally entitled to the action even if the payment was not made.</p> </div> <div class="col-md-3"> <p><strong>Political Contribution</strong></p> </div> <div class="col-md-9"> <p>Anything of value provided for the purpose of supporting any political process, campaigning, political party, politician, political candidate or any political causes. This may include sponsorship, gift, provision of services, promotional activities endorsing a political party, loans, property, personnel time to undertake political campaigning and any other in-kind benefits.</p> </div> <div class="col-md-3"> <p><strong>Public Officials</strong></p> </div> <div class="col-md-9"> <p>Include those in government, state government or local authority departments, government or state government owned or controlled commercial enterprises, supranational organisations (such as International Monetary Fund, United Nation), political parties, local or statutory authorities, society registered under Societies Act 1966 or branch of that registered society, sports body registered under Sports Development Act 1997, co-operative society registered under CoOperative Societies Act 1993, trade union registered under Trade Unions Act 1959, youth society registered under Youth Societies and Youth Development Act 2007, company or subsidiary company over which or in which any of the aforementioned public body has controlling power or interest, political candidates, Member of Parliament, member of state legislative assembly, member of any public bodies, or any society, union, organisation or body as the Minister may prescribe from time to time by order published in the Gazette.</p> </div> <div class="col-md-3"> <p><strong>Sponsorship</strong></p> </div> <div class="col-md-9"> <p>A contribution of anything of value, monetary or non-monetary, with an External Party in order to achieve business goals for OCBC Bank such as for branding, marketing and business development. Generally, a sponsorship arrangement involves a partnership between OCBC Bank and an external party for the mutual benefit of both parties.</p> </div> </div> <p>Management of OCBC Bank.<br />Date: 6 September 2021</p></div> </li> <li id="e-invoicing-announcement" class="accordion__item"> <div class="accordion__item__title"> <h5><strong>e-Invoicing Announcement</strong></h5> </div> <div class="accordion__item__content"><p><strong>e-Invoicing for OCBC companies operating in Malaysia</strong></p> <p>In line with the guidelines on e-Invoicing issued by the Inland Revenue Board of Malaysia (IRBM), we are calling all our vendors, service providers and customers to note the following when dealing with any OCBC company operating in Malaysia.</p> <p class="mb-0"><strong>Vendors & Service Providers</strong></p> <p>Please use the following information for billing any OCBC entity when using e-Invoicing, and refer to the external links below for further information.</p> <div class="row"> <div class="col-custom-10"><br /> <table class="table simple-table-shadow table-responsive-md" border="0"> <tbody> <tr> <th style="text-align: left; vertical-align: middle;" width="20%">Entity Name</th> <th style="text-align: left; vertical-align: middle;" width="30%">Business Registration Number</th> <th style="text-align: left; vertical-align: middle;" width="20%">Tax Identification Number (TIN)</th> <th style="text-align: left; vertical-align: middle;" width="30%">SST Number</th> </tr> <tr> <td style="text-align: left; vertical-align: middle;">Link for verification</td> <td style="text-align: left; vertical-align: middle;"><a rel="noopener" href="https://www.ssm.com.my/Pages/e- Search.aspx" target="_blank">https://www.ssm.com.my/Pages/e- Search.aspx</a></td> <td style="text-align: left; vertical-align: middle;">No website available at time of posting</td> <td style="text-align: left; vertical-align: middle;"><a rel="noopener" href="https://sst01.customs.gov.my/account/inquiry" target="_blank">https://sst01.customs.gov.my/account/inquiry</a></td> </tr> <tr> <td style="text-align: left; vertical-align: middle;">OCBC BANK (MALAYSIA) BERHAD</td> <td style="text-align: left; vertical-align: middle;">199401009721</td> <td style="text-align: left; vertical-align: middle;">C5867903000</td> <td style="text-align: left; vertical-align: middle;">W10-1808-32001298</td> </tr> <tr> <td style="text-align: left; vertical-align: middle;">OCBC AL-AMIN BANK BERHAD</td> <td style="text-align: left; vertical-align: middle;">200801017151</td> <td style="text-align: left; vertical-align: middle;">C20552760040</td> <td style="text-align: left; vertical-align: middle;">W10-1808-32001756</td> </tr> <tr> <td style="text-align: left; vertical-align: middle;">E2 POWER SDN BHD</td> <td style="text-align: left; vertical-align: middle;">200401021654</td> <td style="text-align: left; vertical-align: middle;">C11539955000</td> <td style="text-align: left; vertical-align: middle;">W10-1902-22100101</td> </tr> <tr> <td style="text-align: left; vertical-align: middle;">OCBC ADVISERS (MALAYSIA) SDN BHD</td> <td style="text-align: left; vertical-align: middle;">200601023984</td> <td style="text-align: left; vertical-align: middle;">C20173859070</td> <td style="text-align: left; vertical-align: middle;">W10-1808-32001761</td> </tr> <tr> <td style="text-align: left; vertical-align: middle;">OCBC CAPITAL (MALAYSIA) SDN BHD</td> <td style="text-align: left; vertical-align: middle;">199101011382</td> <td style="text-align: left; vertical-align: middle;">C4892296100</td> <td style="text-align: left; vertical-align: middle;">N/A</td> </tr> <tr> <td style="text-align: left; vertical-align: middle;">OCBC PROPERTIES (MALAYSIA) SDN BHD</td> <td style="text-align: left; vertical-align: middle;">198401008456</td> <td style="text-align: left; vertical-align: middle;">C3861069080</td> <td style="text-align: left; vertical-align: middle;">N/A</td> </tr> <tr> <td style="text-align: left; vertical-align: middle;">MALAYSIA NOMINEES (ASING) SENDIRIAN BERHAD</td> <td style="text-align: left; vertical-align: middle;">199301004156</td> <td style="text-align: left; vertical-align: middle;">C10088092040</td> <td style="text-align: left; vertical-align: middle;">N/A</td> </tr> <tr> <td style="text-align: left; vertical-align: middle;">MALAYSIA NOMINEES (TEMPATAN) SENDIRIAN BERHAD</td> <td style="text-align: left; vertical-align: middle;">196501000393</td> <td style="text-align: left; vertical-align: middle;">C857699080</td> <td style="text-align: left; vertical-align: middle;">N/A</td> </tr> </tbody> </table> </div> </div> <br /> <p class="mb-0"><strong>Customers</strong></p> <p>All OCBC entities will be issuing e-Invoices to customers with effect from 1 July 2025. 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