Structured Time Deposits
Exciting potential for Increased
return without risk to principal*

* Protection of principal is predicated on these deposits being held to maturity. All IDB Bank Structured Time Deposits are subject to minimum deposit requirements; early withdrawal penalties also apply and may impact principal. Not all types of IDB Bank Structured Time Deposits may be available at all times and our list is subject to change without prior notice. Respective Customer Disclosure Agreements and Term Sheets apply. Ability to customize may depend on market conditions and the amount to be deposited. Certain versions of IDB Bank's Structured Time Deposits could alternatively be issued through our Cayman Branch, in which case they would not be FDIC insured.

About Structured Time Deposits

Recognizing the wide variety of investor requirements and sensitivities, IDB Bank created innovative deposit solutions that offer security, attractive returns, flexibility, and some even afford you the opportunity to participate in the upside appreciation as well as declines in certain equity indices; all are principal protected (if held to maturity). These are FDIC-insured bank deposits issued by IDB Bank, whereby interest is based on the performance of an underlying, 100% principal protected structured product. Structured Time Deposit products are particularly interesting for the risk-averse investor.

Share in the upside potential a particular market may offer, while at the same time limiting your exposure to a market downturn. Our Principal Protected Structured Time Deposits allow you to achieve both objectives while participating in stocks, oil, commodities, currencies, arbitrage and even a basket of indexes, while enjoying 100% Principal Protection, if held to maturity.

Our Structured Time Deposits are also available for your own or your clients' IRAs.

Institutional investors and pension funds find Structured Time Deposits valued alternatives. In aiming to exceed a particular benchmark, asset managers no longer have to risk principal. Enhance cash flow with LIBOR-linked time deposits (TDs) that offer the potential for above-market coupons; "Bump-up" TDs that avoid being locked into low rates; "Tiered Step-Up TDs" that earn higher rates at each "Step-Up" period; other TDs that allow investors to indirectly participate in various markets, including stocks, commodities, currencies and hedge-fund-like arbitrage strategies, without risking principal.

Benefits of Structured Time Deposits:

Risks of Structured Time Deposits:

Given the variable nature of these deposits' returns, they are suitable only for investors who understand the risks of purchasing them. The potential return on such products is subject to certain market and interest rate risk, including movements in the level of the underlying index, currency, commodity, interest rate, etc., which may affect the return you receive. These deposits are subject to penalties if redeemed prior to maturity. Our U.S Private Banking and International Private Banking account officers can provide you with a further detailed explanation of the risks associated with these products.

"Bump-Up" TDs
Investors have a one-time rate increase option or they can exchange the deposit for any other IDB Bank deposit of comparable remaining maturity. These deposits overcome being locked into low rates when market rates are rising.
Tiered "Step-Up" TDs
These allow investors the opportunity to earn more attractive interest rates at each "step-up" interval, while also providing the flexibility to exit at regular intervals without penalty.
Range TDs
Enhance current cash flow with the potential for above-market coupon income, as long as the underlying element (e.g., index or rate) remains within a specified range.
TDs linked to equity indexes & other indexes
Give you the opportunity to participate in the upside of the stock market or other indexes (e.g., commodities, currencies, arbitrage) without risking your principal. Your return is based on the performance of the specified index.
TDs linked to baskets of indexes
Provide you with additional diversification - exposure to various financial arenas (e.g., oil, inflation, equities). Your return is based on the performance of the specified indexes.
The details provided herein are for informational purposes only and do not constitute an offer of any product. All IDB Bank Structured Time Deposits are subject to minimum investment requirements and early withdrawal penalties, and certain types may be subject to the potential for zero percentage (0%) return. Not all types of IDB Bank Structured Time Deposits may be available at all times and the list is subject to change without prior notice; also, they may not be appropriate for all types of investors. Consult with your tax advisor. Respective Terms and Conditions apply. Ability to customize may depend on market conditions and the amount to be invested.

Time Deposits

U.S Private Banking

International Private Banking

Broker Dealer Services through IDB Capital Corp**.

** Non-deposit investment products: (1) are not insured by the FDIC; (2) are not deposits or other obligations of, or guaranteed by IDB Capital Corp., IDB Bank or any other affiliate; and (3) may lose value. Certain non-deposit investment products are not available to U.S. citizens or residents and may not be available for purchase or sale in the U.S.

For more information, please contact:

Kenneth Brown, VP
IDB Bank
511 Fifth Avenue, NY, NY 10017
(212) 551-8651
e-mail us

Gal Ben-Naim, FVP
IDB Bank
9401 Wilshire Boulevard
Suite 600
Beverly Hills, CA 90212
(310) 860-6334
e-mail us