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Commonly referred to as a CD, a Certificate of Deposit can be used as a short or long term investment. Domestic banks offer FDIC (Federal Deposit Insurance Corporation) insured Certificates of Deposit with higher rates o

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

f return than other investment options. The bank retains money for a specified period of time with the promise to repay the principal and interest to the depositor at the conclusion of the investment term.

Depending on

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

he amount of money you invest, and the particular terms of the bank you choose to invest with, you may choose to invest your money for a period as short as one month to six years. There is usually a penalty for withdrawi

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

g money from a CD prior to the maturity date. Banks will also require a minimum deposit to open a Certificate of Deposit.

OFFSHORE CERTIFICATES OF DEPOSIT

International Certificates of Deposit vary slightly from domest

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

c CDs. International Certificates of Deposit can also be referred to as Offshore Certificates of Deposit or Eurodollar Certificates of Deposit. When obtaining a Certificate of Deposit from an offshore bank, the investor

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

igns an agreement with the bank in which the bank agrees to pay a fixed interest rate in exchange to use the money during the specified time period.

Similar to domestic banks, offshore banks will differ on the minimum a

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

ount required to use as a deposit for a CD. Often the amount required for an Offshore Certificate of Deposit will be much higher than what is traditionally required from domestic banks.

There are several advantages to h

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

ving a Certificate of Deposit from an offshore bank. The advantages include:

1. Higher interest rates. Unlike domestic banks, offshore banks are not government regulated and are free to compete against each other for be

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

ter rates. Depending on the country you choose to bank in, interest rates can be as high as ten percent.

2. Another advantage to having an Offshore Certificate of Deposit is the income tax benefits. If you choose to ope

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

a Certificate of Deposit in a recognized tax haven such as Panama, you will not be taxed on interest earned because that particular government does not impose interest on income taxes.

3. A third major advantage to an

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

ffshore Certificate of Deposit is the anonymity and confidentiality offered to protect your assets. Depending on the jurisdiction you choose to obtain your Certificate of Deposit, the bank may be forced to adhere to stri

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

ct secrecy laws which protect your money from creditors and divorce. Also, since offshore banks are outside the jurisdiction of domestic courts those wishing to sequester your funds for whatever reason will be unable to

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

o so.

INSURANCE ON OFFSHORE BANK ACCOUNT CD

Unlike domestic banks, an offshore bank cannot offer Certificates of Deposit which are FDIC insured. Rather, these banks have their own methods of insuring investment money w

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

ich guarantee that at any given time the bank has enough money in its reserves to cover all deposits made.

For example, in Panama all banks are required to report each month to the BNP (Banco Nacional do Panama) to ensu

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

e they have enough reserves to cover deposits made. Compliance officers are assigned to the banks to make sure depositor's funds are not misappropriated. Additionally, offshore banks will often maintain large insurance p

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

licies to cover depositor's funds for amounts over what is normally covered by the BNP.

EURODOLLAR CERTIFICATES OF DEPOSIT

Eurodollar Certificates of Deposit are issued in London according to the rates listed on the Lo

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

don Interbank Offered Rate (LIBOR). This interest rate is calculated on a daily basis by the British Banker's Association. Several countries that rely on LIBOR for calculating the rates for Certificates of Deposit are En

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

land, the United States, Switzerland, and Canada. Eurodollar Certificates of Deposit, while being issued outside the United States, are still denominated in American currency.

When choosing to open an International Cert

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

ficate of Deposit, it is important to consult with a financial advisor. Your advisor will be aware of minimum deposits required to open the account, any penalties for withdrawing money early, the stability of the bank yo

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

choose to invest with, and the denomination your money will be kept in. Your advisor will also help you choose the appropriate length of time to keep your money tied up in a CD to offer you the best return of investment

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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