Structured Deposits

Dual Currency Deposits give you the opportunity to earn a higher interest rate on your money than a regular time deposit by taking foreign exchange risk. You can start in either Japanese yen or a number of other major currencies and receive higher interest rates than an equivalent time deposit in the same currency. However, there is a risk that your deposit will be returned in a different currency, which could result in loss of principal. Please see the diagram below for further details.

The below chart illustrates how principal could be repaid at maturity
Assuming JPY is the initial deposit currency and the US dollar (USD) is the alternative currency

Product Fact Sheet (Pre-Contract Explanation Sheet) “Dual Currency Deposit” (Structured Deposit Redeemable in Alternative Currency)

The Structured Deposit product to gain a higher interest than a regular time deposit by taking the foreign exchange risk between AUD and JPY.
The interest rate and term of the deposit is determined by the foreign exchange rate between AUD and JPY.

Product Fact Sheet (Pre-Contract Explanation Sheet) “Kangaroo Deposit” 4-Year JPY denominated Structured Deposit with Early Redemption Clause. AUD Maturity Redemption Clause and Digital Coupon Feature

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The Bank will determine whether or not to early redeem it before maturity depending on interest rates at the time.

Product Fact Sheet (Pre-Contract Explanation Sheet) “Step-Up Callable EUR” EUR denominated Structured Deposit with Early Redemption Clause

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Product Fact Sheet (Pre-Contract Explanation Sheet) “Step-Up Callable GBP” GBP denominated Structured Deposit with Early Redemption Clause

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