Structured Product

Interest:
The rate of return paid is fixed in accordance with the agreement in the transaction contract and is paid when due

Fee:

1. There is no placement fee for this product.


2. Costs due to Early Termination if it occurs. Basically, FLD disbursement before maturity is not allowed. If FLD disbursement before maturity upon Customer's request cannot be avoided, the Customer is obliged to provide compensation to the Bank for any losses, costs, bills and or expenses that may occur as a result of the accelerated disbursement, including funding costs and losses or costs incurred as as a result of termination and remaking of related trading positions in full and will pay administrative fees and other claims that may be charged to the Bank (all hereinafter referred to as "Termination Fees Before Time")

I. Product Description

Forward Linked Deposit (FLD) is a short-term investment instrument (Structured Product) in the form of a combination of time deposits and foreign exchange swap instruments

II. Product Simulation

• On transaction date, customer must provide Good Fund .
• On Placement date, customer’s fund in placement currency (FLD currency) will be switch to FLD Counter Currency (pair currency) using an exchange rate agreed at the beginning of the transaction in accordance with the placement date of the currency
• Customer’s fund in the FLD Counter Currency will be placed as time deposits during the contract period agreed upon
• On maturity date, principal and interest in FLD Counter Currency will be switch back to placement currency (FLD Currency) using an agreed exchange rate for Foreign Exchange Forward transaction in the beginning of transaction

Example of FLD Transaction:

On maturity date, customer will receive:
= AUD 100,000 + (100,000 x 1.75% x 31/365)
= AUD 100,148.63 gross
= AUD 100,118.90 (net)

III. Risk of Product and Other Information

1. Liquidity Risk
   FLD cannot be disbursed before maturity. If the disbursement happens before the maturity, Bank will not guarantee the principal return of 100%
2. FLD cannot be rolled over, so each placement is a new placement; and
3. FLD cannot be used as a credit guarantee

IV. Facility / Channel

Transactions can be done at all Bank OCBC NISP branch offices

V. Complaint Procedure

Customers can submit complaints related to products through:

1. Call OCBC NISP di 1500 – 999 (domestic call) atau 021-26506300 (overseas call)
2. Contact Relationship Manager (RM)
3. Email to callcenter@ocbcnisp.com
4. Click www.ocbcnisp.com

Terms and Condition

1. For 1st transaction, customer must receive, understand and submit the following documents:
   • Call Report (of the meeting between customer and RM)
   • Risk Profile Questionnaire
   • Term and Condition of FLD Product
   • Product Highlight Sheet FLD
2. For next placement, customer will only receive Indicative Term sheet and only require fulfilling the FDL placement form
3. Currency of FLD placement can only be done accordingly to the currency available at Bank OCBC NISP
4. IDR currency is not allowed for FLD placement
5. Minimum placements:
   • 10.000 (EUR, GBP, AUD, NZD, CHF, CAD, SGD)
   • 100.000 (CNH)
   • 1.000.000 (JPY)

Disclaimer

1. You hereby acknowledge that you have read, received explanation and understood the product and/or service as specified in this Summary of Product and/or Service Information (“Summary”) and have informed, understood and accepted any consequences of product and/or service including all inherent benefits, risks and costs.
2. This Summary is intended only as an information and does not aim to be a basis for investment decisions. Past performance is not an indication of future performance. Any proposal documents for investment related products, must be studied further. Any projections, opinions or other statistical facts displayed in this information are only an indication and are not guaranteed in any form. You must determine your own decisions in accordance with the needs and investment strategies by considering legal, tax and accounting issues. Based on good intentions and moral responsibility, Bank OCBC NISP and each of its employees are not responsible for any direct or indirect losses, or as a consequence arising from the use of and dependence on this information in an investment decision.
3. Bank OCBC NISP reserves the right to reject your product and/or service application if it does not fulfil the requirements and the application of laws and regulations.
4. You have to carefully read this Summary and contact Bank OCBC NISP if there are further queries in respect of the product and/or service contained in this Summary.
5. This Summary has been adjusted to be in accordance with the provisions of regulations including the regulations of Financial Service Authority.

This Summary is made in English and Bahasa Indonesia, and in the event of inconsistency between the version, Bahasa Indonesia shall prevail.

PT Bank OCBC NISP Tbk terdaftar dan diawasi oleh OJK dan merupakan peserta penjamin LPS

Interest:

From PPD Placement, customer will receive minimum interest and additional return/bonus, where the minimum interest is an interest that will be received by customer and additional return/bonus is total payout which will be added with minimum interest if spot rate touched the agreed lower/upper limit during the observation period (American Style) or at date and time of Determination (European Style)

Fee:

1. There is no placement fee for this product.
2. Costs due to Early Termination if it occurs. Basically, PPD OT disbursement before maturity is not allowed. If PPD OT disbursement before maturity upon Customer's request cannot be avoided, the Customer is obliged to provide compensation to the Bank for any losses, costs, bills and or expenses that may occur as a result of the accelerated disbursement, including funding costs and losses or costs incurred as as a result of termination and remaking of related trading positions in full and will pay administrative fees and other claims that may be charged to the Bank (all hereinafter referred to as "Termination Fees Before Time")

I. Product Description

Principal Protected Deposit - One Touch (PPD - OT) is an investment instrument (Structured Product) in the form of a combination of time deposits in foreign currency and FX option where the return rate of the customer’s principal based on underlying reference movement. The principal of placement will be 100% protected if it holds until maturity.

PPD OT product is divided into 4 types, which is:

Principal Protected Deposit (PPD) - American One Touch Down is an investment product which provide the opportunity to receive maximum return if during the observation period (from Trade Date until Fixing Date and Time) the underlying instrument moves downward, touching the Lower Limit that has been determined and agreed upon by both parties, the Investor and the Bank

Principal Protected Deposit (PPD) - American One Touch Up is an investment product which provide the opportunity to receive maximum return if during the observation period (from Trade Date until Fixing Date and Time) the underlying instrument moves upward, touching the Upper Limit that has been determined and agreed upon by both parties, the Investor and the Bank

Principal Protected Deposit (PPD) - European One Touch Down is an investment product which provide the opportunity to receive maximum return if spot rate of underlying instrument at Fixing Date and Time moves downward and toucher the Lower Limit that has been determined and agreed upon by both parties, the Investor and the Bank

Principal Protected Deposit (PPD) - European One Touch Up is an investment product which provide the opportunity to receive maximum return if spot rate of underlying instrument at Fixing Date and Time moves upward and toucher the Upper Limit that has been determined and agreed upon by both parties, the Investor and the Bank

II. Product Simulation

1. Example of PPD OT American OT Down Transaction

Scenario 1:
During the observation period AUD-USD was trading low at 0.7450. Then Investors in this case will get a minimum rate of return, which is 0.50%.
On maturity date, the Investor will get the following total payments:
> = USD 10,000 + (USD 10,000 x 0.50% x 32/265)
= USD 10,004.38 gross
= USD 10,003.51 nett

Scenario 2:
During the observation period AUD-USD passed the Lower Limit, and hit lowest traded at 0.7390. Then the investor in this case will get a maximum rate of return, which is 2.75%.

On maturity date, the Investor will get the following total payments
= USD 10,000 + (USD 10,000 x (0.5% + 2.25%) x 32/365)
= USD 10.024.11 gross
= USD 10,019.29 nett

2. Example of PPD European OT Down Transaction

Scenario 1:
If on Fixing date and time (27 Jul 2019, at 13:00 WIB), AUD-USD level is above 0.7400, then Investors in this case will get a minimum return of 0.50%.
On maturity date, the investor will receive total payment as follows:
= USD 10,000 + (USD 10,000 x 0.50% x 32/265)
= USD 10,004.38 gross
= USD 10,003.51 nett

Scenario 2:
If on Fixing date and time (27 Jul 2019, at 13:00 WIB), AUD-USD level is below 0.7400, then Investors in this case will get a maximum minimum return of 2.75%.

On maturity date, the investor will receive total payment as follows:
= USD 10,000 + (USD 10,000 x (0.5% + 2.25%) x 32/365)
= USD 10.024.11 gross
= USD 10,019.29 nett

3. Example of PPD American OT Up Transaction
Scenario 1:
During the observation period the highest AUD-USD traded at 0.7750. Then Investors in this case will get a minimum rate of return, which is 0.50%.
On maturity date, investor will receive total payment as follows:
= USD 10,000 + (USD 10,000 x 0.50% x 32/265)
= USD 10,004.38 gross
= USD 10,003.51 nett

Scenario 2:
During the observation period the AUD-USD crossed the upper limit, the highest traded at 0.7810. Then the investor in this case will get a maximum rate of return, which is 2.75%.

On maturity date, investor will receive total payment as follows:
= USD 10,000 + (USD 10,000 x (0.5% + 2.25%) x 32/365)
= USD 10.024.11 gross
= USD 10,019.29 nett

4. Example of PPD European OT Up Transaction

Scenario 1:
If on Fixing date and time (27 Jul 2019, at 13:00 WIB), AUD-USD level is below 0.7800, then the Investor in this case will get a minimum rate of return, which is 0.50%
 
On maturity date, investor will receive total payment as follows:
= USD 10,000 + (USD 10,000 x 0.50% x 32/265)
= USD 10,004.38 gross
= USD 10,003.51 nett
 
 
Scenario 2:
If on Fixing date and time (27 Jul 2019, at 13:00 West Indonesia Time), AUD-USD is above the level of 0.7800, then Investors in this case will get a maximum rate of return, which is 2.75%.
 
On maturity date, investor will receive total payment as follows:
= USD 10,000 + (USD 10,000 x (0.5% + 2.25%) x 32/365)
= USD 10.024.11 gross
= USD 10,019.29 nett

III. Risk of Product and Other Information

1. Liquidity Risk
   PPD OT cannot be disbursed before maturity. If the disbursement happens before the maturity, Bank will not guarantee the principal return of 100%


2. Market Risk
   The return rate depends on the movement of the underlying reference


3. Feature Risk
   It is a risk that arises if the requirements to get the maximum rate of return are not fulfilled which causes the Customer to only receive 100% (one hundred percent) of the principal amount plus the minimum interest


4. Other Risk
   • PPD OT cannot be rolled over, so each placement is a new placement; and
   • PPD OT cannot be used as a credit guarantee

IV. Facility / Channel

Transactions can be done at all Bank OCBC NISP branch offices

V. Complaint Procedure

Customers can submit complaints related to products through:

1. Call OCBC NISP di 1500 – 999 (domestic call) atau 021-26506300 (overseas call)
2. Contact Relationship Manager (RM)
3. Email to callcenter@ocbcnisp.com
4. Click www.ocbcnisp.com

Terms and Condition

1. For 1st transaction, customer must receive, understand and submit the following documents:
   • Call Report (of the meeting between customer and RM)
   • Risk Profile Questionnaire
   • Term and Condition of PPD Product
   • Product Highlight Sheet PPD


2. Customer must submit copy ID


3. IDR currency is not allowed for PPD OT placement


4. Minimum placements:
   • USD 5.000 (with the addition USD 1.000 or multiples) per customer
   • USD 100.000 per Book Building

Disclaimer

1. You hereby acknowledge that you have read, received explanation and understood the product and/or service as specified in this Summary of Product and/or Service Information (“Summary”) and have informed, understood and accepted any consequences of product and/or service including all inherent benefits, risks and costs.
2. This Summary is intended only as an information and does not aim to be a basis for investment decisions. Past performance is not an indication of future performance. Any proposal documents for investment related products, must be studied further. Any projections, opinions or other statistical facts displayed in this information are only an indication and are not guaranteed in any form. You must determine your own decisions in accordance with the needs and investment strategies by considering legal, tax and accounting issues. Based on good intentions and moral responsibility, Bank OCBC NISP and each of its employees are not responsible for any direct or indirect losses, or as a consequence arising from the use of and dependence on this information in an investment decision.
3. Bank OCBC NISP reserves the right to reject your product and/or service application if it does not fulfil the requirements and the application of laws and regulations.
4. You have to carefully read this Summary and contact Bank OCBC NISP if there are further queries in respect of the product and/or service contained in this Summary.
5. This Summary has been adjusted to be in accordance with the provisions of regulations including the regulations of Financial Service Authority.

This Summary is made in English and Bahasa Indonesia, and in the event of inconsistency between the version, Bahasa Indonesia shall prevail.

PT Bank OCBC NISP Tbk terdaftar dan diawasi oleh OJK dan merupakan peserta penjamin LPS