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 Instruments Backed


What instruments does the FSD back?

The FSD only backs:

1. The FSD covers all nominal deposits made by individuals or by private legal not-for-profit entities.

2. Accrued interest on the former, from the date that an account is opened or from the last time that it was renewed, and

3. Demand Deposits of other private legal entities, except for those deposits corresponding to those entities that are members of the financial system.

Joint Accounts

In the case of joint accounts held in the same entity of the FSD, the total amount of the deposit is distributed among account holders, with each receiving, individually, the amount of coverage allotted according to the limits and conditions established by the General Law and by the restrictions given in the following paragraph

What instruments are not backed by the FSD?

The FSD does not cover deposits of account holders who, during the two years previous to a declaration of dissolution and liquidation, were directors or managers of the institution in question, or who pertain to any economic group that held more than four percent (4%) interest in the company and participated directly or indirectly in its operations.

Likewise Deposits held by others, such as those connected to the business, including shareholders, directors or others, deposits of other companies that belong to the Peruvian Financial System or analogous foreign corporations. Likewise, no coverage is granted with regard to deposits not made in accordance with the applicable regulatory provisions, and to any other instrument that, though formally regarded as deposits, represent account receivables not derived from deposit or bearer obligations.

Certificates, bonds or any other bearer instruments are not insured by the FSD.

Likewise, checks or other forms used for payments drawn against any member of the FSD that has been declared in dissolution and liquidation, which have not been paid before operations were shut down, for any reason, are not protected by coverage provided by deposit insurance.