Forward Linked Trade (FLT)

Product OverviewName and Product TypeForward Linked Trade (FLT) is an investment product that combines time deposit and foreign exchange swap, FLT may be tailored to suit the needs.Name of IssuerPT Bank DBS IndonesiaProduct Characteristics

The returns are at fixed interest rates.

The return will be delivered at the end of the period.

FLT tenor varies from 1 (one) month until 1 (one) year.

Available only in foreign currencies, among others AUD, SGD, CNH.

Benefits

100% principal protected if FLT held until maturity.

Customer has opportunity for greater return on investment compared to time deposit interest rates in general.

Alternative investment in foreign currency for Customer.

Main Risks

FLT is a form of Structured Product that carries risks not normally associated with ordinary bank deposits. The Customer should therefore not treat this product as a substitute for ordinary savings or time deposits

FLT is meant to be held to maturity. There might be loss occurs when Customer redeem the investment before maturity date (depends on valuation from bank on early redemption date), and the Bank shall be entitled to deduct any losses that might be incurred from the redemption, as FLT is not a negotiable or transferable instrument.

FLT may not be suitable for the Customer who are not familiar with the exchange rate of the relevant currencies or the factors that affect movements in such exchange rate. The exchange rate of the relevant currencies will be influenced by the complex and interrelated global and regional political, economic, financial, and other factors that can affect the currency markets on which each of the currencies is traded.

Requirements & ProceduresSome requirements to be fulfilled by Customer to subscribe FLT:

Customer must have account in PT Bank DBS Indonesia.

Customer must complete risk profile and ensure risk profile suitability with the product.

FLT Simulation

Assumption

Principal Amount

AUD100.000,00

Currency Pair

AUD/USD;

Payout rate

0.20% per annum

The actual number of saving days

182

Days Fraction for AUD saving days

365

Scenario 1 (Best Scenario)The Customer shall receive on the Maturity Date, an aggregate sum of the Final Redemption Amount and Payout Amount for total AUD 100,079.78 (net)

Payout Amount = Principal Amount x Payout Rate x Day Count Fraction = AUD 100,000.00*0.20%*(182/365) = AUD 99.73 gross = AUD 79.78 net

Final Redemption Amount = AUD 100,000.00

Scenario 2 (Worst Scenario)If the Customer requests an early withdrawal of the FLT in accordance with the early withdrawal requirements and the Bank agrees to the Customer's request, the Customer will receive an early withdrawal amount determined by the Bank. Such early withdrawal amount will usually be substantially less than 100% of the Principal Amount and in the worst-case scenario, such early withdrawal amount is zero. The Customer will not receive any subsequent pay-out following such early withdrawal.

IMPORTANT
Dates, rates mentioned and all calculation above are for illustration only. Those information and numbers are not the representative of the actual performance or future performance of this product.