Structured deposits which have risk and investment elements, are not conventional deposits and accordingly, are not insured deposits for the purposes of the Deposit Insurance Act (Chapter 77A).
In addition, structured deposits are not covered under the Singapore Government's guarantee on all Singapore Dollar and foreign currency deposits of individual and non-bank customers in banks, finance companies and merchant banks licensed by the MAS (which is in effect until 31 December 2010).
Provided that the whole amount of the Principal Amount is held with the Bank up to the Maturity Date, 100% of the Principal Amount shall be guaranteed and payable by the Bank to the investor on the Maturity Date.
DBS这么说：
A Structured Deposit is not a Traditional Deposit. It is excluded from insurance coverage under the Deposit Insurance and Policy Owners' Protection Schemes Act 2011.
Return of Principal: the Bank will return to you the full Principal Amount if the Bank held the Structured Deposit to maturity or Early Redemption (where applicable). In the worst-case scenario where the Bank is insolvent, you will lose your full Principal Amount.
OCBC:
Principal protection1 and potential interest enhancement!
It is a structured investment product that combines a time deposit and a foreign currency option. You can have your principal protected1 and grasp the investment opportunities with a higher interest return than a normal time deposit in response to foreign exchange movement.
