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If I do not make monthly deposits on the agreed sum, will I be penalised? What if I make withdrawals of amount more than the amount I save per month? 

The CIMB Hajj Savings-i aims to encourage regular savings for the purpose of Hajj. If you do not save the minimum monthly amount and the end month target balance is not met, you will earn the lower profit rate of 1.00% p.a. instead of the higher profit rate of 2.00% p.a. Rates are subjected to change.

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