The Fixed Deposit Form is a crucial banking document used in Hong Kong's financial sector to formalize time deposit arrangements between financial institutions and their customers. This document is essential when customers wish to place funds in a fixed deposit account, offering higher interest rates in exchange for maintaining the deposit for a specified period. The form must comply with Hong Kong Monetary Authority regulations, the Banking Ordinance (Cap. 155), and other relevant financial regulations. It captures critical information including customer identification, deposit terms, interest rates, maturity instructions, and required declarations for anti-money laundering compliance. The document serves both retail and corporate customers and includes necessary risk disclosures and terms as required by Hong Kong banking regulations.
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1. Customer Information: Essential personal/company details including full name, ID/passport number or company registration number, contact details, and existing account information
2. Deposit Details: Specifics of the fixed deposit including principal amount, currency, tenure, interest rate, and maturity date
3. Interest Payment Instructions: Customer's preferences for interest payment frequency and credited account details
4. Maturity Instructions: Customer's instructions for handling the deposit upon maturity (automatic renewal or transfer to specified account)
5. Source of Funds Declaration: Declaration of the origin of deposited funds for compliance with anti-money laundering regulations
6. Risk Disclosure: Standard risk disclosures including early withdrawal penalties and currency risks for foreign currency deposits
7. Terms and Conditions: Essential terms governing the fixed deposit including bank's rights, customer's obligations, and applicable fees
8. Customer Declaration: Customer's confirmation of understanding and acceptance of terms, including consent for personal data usage
9. Signature Panel: Space for customer signature(s) and date, with verification requirements
1. Joint Account Details: Additional section for joint account holders, including operating instructions and secondary customer information
2. Foreign Currency Details: Additional disclaimers and information required for foreign currency deposits
3. Corporate Authorization: For corporate customers, details of authorized signatories and board resolutions
4. Special Rate Approval: For preferential interest rates, including approval codes and relationship manager details
5. Tax Declaration: Additional tax-related declarations for overseas customers or specific tax arrangements
1. Interest Rate Sheet: Current applicable interest rates for different tenures and currency combinations
2. Fee Schedule: List of applicable fees including early withdrawal penalties
3. Required Documents Checklist: List of supporting documents required for account opening or verification
4. Terms and Conditions Booklet: Detailed terms and conditions referenced in the main form
Relevant legal definitions
Clauses
Relevant Industries
Banking
Financial Services
Wealth Management
Corporate Banking
Retail Banking
Investment Services
Treasury
Relevant Teams
Legal
Compliance
Retail Banking
Corporate Banking
Operations
Customer Service
Risk Management
Product Development
Treasury
Wealth Management
Documentation
Relevant Roles
Branch Manager
Relationship Manager
Compliance Officer
Legal Counsel
Banking Operations Manager
Customer Service Representative
Treasury Manager
Risk Officer
Product Manager
Account Manager
Banking Services Officer
Financial Services Consultant
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