Invest for your future and achieve your life goals

Premium Currency Investment (PCI) is an exclusive product offered to you for the investment of more than one foreign currency. Benefits are:

• A potentially higher interest rate than ordinary deposits
• Your money actively managed to take maximum advantage of market opportunities
• Your investment funds diversified.

Term deposits generally offer higher interest in a particular currency. With PCI, you can invest in alternative currency options for higher interest rates.

PCI offers higher interest than ordinary deposits because you have given your approval to the Bank to pay for the principal and interest in the agreed currency and exchange rate.

When is the best time to invest in Premium Currency Investment?
If you wish to invest your funds in PCI, invest at the right time, choose an alternative currency and set a target for the exchange rate.

Standard Chartered Bank's PCI Product is the right choice if:

1. You want to make use of currency fluctuation to obtain a higher interest rate.
2. You have calculated that the currency fluctuates as predicted and your needs for the currency are fulfilled when it is due.
3. You feel comfortable with investing in the two currencies you have chosen and are prepared to receive your investment yield either in the original currency or alternative currency.

How to open a Premium Currency Investment?
With an initial deposit of US$ 20,000 or equivalent, you can open a PCI for 1 week, 2 weeks, 1 month, 2 month or 3 months. The alternative currencies are USD, GBP, EUR, AUD, JPY, NZD, CHF and CAD.

Premium Currency Investment Procedure:

1. Open a PCI investment in one currency.
2. Choose another currency as the alternative investment to be paid on its maturity date and decide on the period for the investment..
3. Set and agree upon the target of the exchange rate for the two currencies after consideration and prediction of the fluctuation of the two currencies during the period of investment. The smaller the difference between the exchange rate you choose and the current exchange rate, the higher interest rate you will obtain.
4. When the investment is due, you will receive the principal fund and interest of the original currency OR the principal fund and interest in the alternative currency at the previously agreed upon exchange rate.

For example
You open the following PCI:

Investment linked to exchange rate fluctuation have a higher level of risk than ordinary term deposits and are generally unsuitable to replace ordinary savings accounts or deposits. The benefits of the Investment linked to exchange rate fluctuation are, at least, dependent on the fluctuation of currencies due to factors such as national and international markets, economies, and policies and natural conditions, as well as interference from Central Banks and other institutions. At particular times, the exchange rate of a Investment linked to a currency will drastically increase or decrease, hence there is a risk of a decreasing fund in the original currency against the market rate at the time. This document is not a recommendation for the transaction depicted above or a prediction of currency fluctuation in the future or of the fact that such fluctuation shall not exceed that in the example. All the currencies and rates in the example are merely an illustration. You are advised to use your own judgment and make decisions from what you see here.