Your wish for better returns
Your dreams brought to life

Let your returns bloom the Syariah-compliant way.
Introducing Standard Chartered Saadiq, the world class Islamic investment account for your financial needs.

We believe you should be able to seek the potential to earn competitive returns on your investment without compromising your beliefs. If you are a short to medium term investor and want your money to work harder for you, regardless whether you are a Muslim or a non-Muslim, then General Investment Account-i may be a suitable product for you.

General Investment Account-i is an investment account based on the Islamic contract of Mudharabah that works on a profit sharing basis. Mudharabah refers to a contract between you and the Bank for the investment of your funds where the profit is divided according to a mutually agreed Profit Sharing Ratio.

How General Investment Account-i works for you

Based on Mudharabah, the bank will invest your money in profitable ventures that are in line with Syariah principles. Whatever profit that is earned will be shared with you.

TENURE	Profit Sharing Ratio (Investor : Bank)		Investor’s Indicative Profit* (%)p.a.
TENURE	Tier 1**	Tier 2***	Tier 1**	Tier 2***
1 month	40 : 60	30 : 70	2.00	1.50
3 months	40 : 60	30 : 70	2.00	1.50
4 months	40 : 60	30 : 70	2.00	1.50
6 months	40 : 60	30 : 70	2.00	1.50
7 months	40 : 60	30 : 70	2.00	1.50
9 months	40 : 60	30 : 70	2.00	1.50
12 months	50 : 50	30 : 70	2.50	1.50
> 12 months	Negotiable		Depending on Profit Sharing Ratio

Indicative Profit is calculated on a contractual basis and paid upon maturity. Effective Date: 18 March 2009
*Investor’s Indicative Profit is based on historical data and is not indicative of future profit rates. Please speak to us for the latest Profit Sharing Ratio.
**Only applicable for General Investment Account-i investments of up to RM1million in aggregate
***Only applicable for portion of General Investment Account-i investments exceeding RM1million in aggregate

Click here for more information on the rates.

Flexible Tenure	You can choose from 1 month to 12 months, whichever suit your needs.
Syariah Compliant	Your money will be invested in activities approved by the Syariah Consultant to ensure all investment activities are in accordance to Syariah principles.
Monthly Statement	Every month, a statement will be sent to you, helping you keep track of all transactions. If you have more than one account with us, we will send you a consolidated statement for an all-in-one monthly report. This way, you can tell your financial position at a glance. If you like your statements to be emailed to you, call us at 1300 888 888.
Easy to apply	Individual account or joint account Minimum deposit is RM5,000 for 1 month placement or RM1,000 for more than 3-month placement. To apply, all you need is a copy of your NRIC. Accountholder must be 18 years old or more. Sole Proprietor / Partnership Minimum deposit is RM5,000.00, and the following documents are needed: Business Registration (Form A) Company License (Form D) Copy of NRIC of all partners as individual customer Corporate or non profit organisation (Club / Society / Association / Cooperative) Minimum deposit is RM5,000, or RM1,000 for more than 3-month placement. The following documents are needed: Copy of NRIC Certified copy of Rules and Regulations Certified copy of a Resolution to open the account signed by the Chairman and Secretary Certified copy of the Certificate of Registration Private Limited Companies Minimum deposit is RM5,000, or RM1,000 for more than 3-month placement. The following documents are needed: Identity documents of all Directors and signatories Certified copy of the Certificate of Incorporation (Form 49) Certified copy of the Return of Allotment of Shares (Form 24) Certified copy of Memorandum and Articles of Association Certified copy of a Board Resolution regulating the conduct of the account Certificate by the Registrar of Company that the company is entitled to commence business Certified copy of a Resolution to open the account signed by the Chairman and Secretary

Available to all Muslims and Non-Muslims

Interested?

We will be happy to show you how General Investment Account-i can work for you. Click Saadiq Personal Account Rules & Regulations to learn more about the Terms and Conditions of the accounts.

Call us direct at 1300 880 388

To sign up, visit your nearest Standard Chartered branch today!

*Terms and conditions apply

Your wish for better returns Your dreams brought to life

How General Investment Account-i works for you

TENURE

Profit Sharing Ratio (Investor : Bank)

Investor’s Indicative Profit* (%)p.a.

Flexible Tenure

Syariah Compliant

Monthly Statement

Easy to apply

Available to all Muslims and Non-Muslims

Interested?

Your wish for better returns
Your dreams brought to life

Profit Sharing Ratio
(Investor : Bank)

Investor’s Indicative
Profit* (%)p.a.