A structured deposit is essentially a combination of a traditional deposit and a derivative, where return is dependent on the performance of an underlying financial instrument. Typical financial instruments, linked to such deposits include equities, fixed-income instruments, foreign exchange of a combination of these.

Structured deposit can form an important part of your investment portfolio, providing you with portfolio diversification, principal protection at maturity and the potential for enhanced returns. These innovative products provide a more flexible asset allocation and easy access to defensive investment strategies in a fast changing market conditions.

Key features

• 100% capital redemption
• Min investment of USD 20,000
• Wide range of underlying investments i.e. currency, commodities, etc
• Flexible investment term (minimum tenure of 1 month to 3 years).

Key benefits

• It gives you the potential opportunity to earn higher returns than a traditional time deposit
• It gives you the flexibility of investment tenures to help with your liquidity management
• It provides you with a wide range of underlying assets and structures to match your financial needs, investment experience as well as your risk tolerance.

Suitable if

• You are currently a term deposit investor looking for the potential to gain higher returns but do not want the potential capital loss that can arise from other investments
• You are a balanced or aggressive investor looking for investment opportunities to form part of the defensive portion of your investment portfolio
• You are looking for the potential for enhanced returns in times of neutral, moderately bullish to bearish market performance and may not necessarily have a view on the future direction of the underlying market.

Illustrations

Knock Out Digital Investment linked to Spot Gold

Product Term	Details
Structure	Knock Out Digital Investment linked   to Spot Gold
Tenure	9 months
Currency	AUD
Underlying	XAU/USD (spot:1721.895)
Strike	1721.895
Barrier	2100
Barrier Observation Period	Continuous
Maximum Coupon	10.00% pa
Outcome at Maturity
If Barrier has not been triggered at any time during Observation Period and underlying closes at or above the strike at expiry	Investors receive the maximum coupon plus 100% principal
If Barrier has been triggered at any time during the the Observation Period or if underlying closes below strike at expiry	Investors receive plus 100% principal only

Tier Tower Deposit linked to AUD/USD

Product Term	Details
Structure	2 Tier Tower Deposit linked to   AUD/USD
Tenure	6 months
Currency	AUD
Underlying	AUD/USD (spot: 1.0673)
Range 1	0.9900 – 1.1050
Range 2	0.9800 – 1.1200
Coupon 1	10.00% p.a
Coupon 2	5.00% p.a
Outcome at Maturity
If Underlying trades within Range 1 throughout the Observation Period	Investors receive the Range 1 coupon plus 100% principal
If Range 1 is triggered but underlying trades within Range 2 throughout the Observation Period	Investors receive the Range 2 coupon plus 100% principal
If both Ranges are triggered at any time during the Observation Period	Investors receive 100% principal only

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To find out more, speak to any of our Relationship Managers or call our 24-hour service hotline at 1800 226 8899 or +(65) 6226 8899 from overseas.

Important notes
Your investment is principal protected by the Issuer at the maturity date. Depending on the fluctuation of foreign currency exchange rates, there is no guarantee of an investment return. You may only get back your principal at maturity. If you withdraw your investment before the maturity date, you may lose part of your return and/or principal. Any early termination costs such as administration costs, unwinding costs and other unforeseen costs will be deducted from your investment. No partial withdrawal of the principal is allowed. Unlike traditional deposits, structured deposits have an investment element and returns may vary. Structured deposit is not an eligible deposit for the purpose of deposit insurance scheme.