The Certificate of Deposit Form is a essential banking document used in Hong Kong's financial sector when a customer wishes to place a fixed-term deposit with a bank. This document serves as both a receipt and a contract, evidencing the deposit relationship between the bank and the depositor. It must comply with the Hong Kong Monetary Authority's requirements and the Banking Ordinance (Cap. 155), containing all necessary terms, conditions, and risk disclosures. The form is used for both retail and corporate customers, with variations available for different currencies, terms, and interest rate structures. It includes critical information such as deposit amount, term, interest rate, maturity date, early withdrawal conditions, and deposit protection coverage. The document is particularly important in Hong Kong's international banking environment, where certificates of deposit are commonly used for cash management and investment purposes.
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1. Bank Information: Details of the issuing bank including full legal name, registration number, and registered address
2. Customer Information: Full details of the depositor including name, ID/passport number, address, and contact information
3. Deposit Details: Essential terms including principal amount, currency, interest rate, term of deposit, and maturity date
4. Interest Calculation: Method of interest calculation, payment frequency, and handling of interest at maturity
5. Maturity Terms: Options at maturity including automatic renewal terms and conditions for early withdrawal
6. General Terms and Conditions: Standard terms including deposit protection coverage, bank's rights, and applicable laws
7. Risk Disclosure: Mandatory disclosure of risks associated with the CD, including market risk and liquidity risk
8. Declaration and Signature: Customer acknowledgment and agreement to terms, with space for signatures and date
1. Foreign Currency Provisions: Additional terms for CDs denominated in foreign currencies, including exchange rate risks and conversion terms
2. Electronic Banking Services: Terms for accessing and managing the CD through digital banking platforms
3. Special Interest Rate Features: Terms for step-up rates, floating rates, or other special interest arrangements
4. Joint Account Provisions: Additional terms for CDs held jointly by multiple depositors
5. Corporate Account Provisions: Specific terms for corporate customers including authorized signatories and corporate mandates
1. Schedule 1: Interest Rate Table: Detailed breakdown of applicable interest rates, including any tier structures or special rate conditions
2. Schedule 2: Fee Schedule: Complete list of applicable fees including early withdrawal penalties and special service charges
3. Schedule 3: Authorized Representatives: List of authorized signatories and their specimen signatures for corporate accounts
4. Appendix A: Term Deposit Rules: Detailed rules and regulations governing the CD as required by HKMA
5. Appendix B: Deposit Protection Scheme Information: Details of coverage under the Hong Kong Deposit Protection Scheme
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