UOB Fixed Deposit Plus Series

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    Monitor / View Past Performance

    Please note that applications for UOB Fixed Deposit Plus - Capture The Peak closed on 28 Dec 2004. Below is a snapshot of the Account.
    • Up to 16.2%* guaranteed interest
    • 100% principal guarantee at maturity1
    • Potential higher bonus interest that is linked to peak basket prices2

    Currency
    (Dollar)    		Tenor
    (Year)    		Annual
    Interest
    Payment    		Total Guaranteed Interest3 For Entire TenorMinimum
    Effective Interest Rate    		Participation
    Rate
    New Zealand
    (NZD)    		 4 5.4%p.a.
    (Yr 1-3)    		 16.2% 4.13% p.a. 60%
    United States
    (USD)    		 5 2.3%p.a.
    (Yr 1-4)    		 9.2% 1.86% p.a. 40%
    Singapore
    (SGD)    		 5 1.35%p.a.
    (Yr 1-4)    		 5.4% 1.09% p.a. 22%

    Catching the market on a high
    The best time to sell any investment is at the market's peak. That's why ‘UOB Fixed Deposit Plus – Capture The Peak' is structured to lock in the highest daily performance of a basket of well-known Singapore and Hong Kong shares: UOB, Singapore Telecommunications, Singapore Press Holdings, HSBC Holdings and Hutchison Whampoa.

    The basket's highest return in each quarter is averaged at maturity to give the Average Highest Quarterly Return. This value is used to calculate the bonus interest.

    As there's no cap on the bonus interest, your money grows along with the selected shares.

    Notes:
    * For a 4-year NZD ‘UOB Fixed Deposit Plus – Capture The Peak' structured deposit only. Interest rates vary depending on currency and tenor. Please read applicable terms and conditions.
    1 The 100% principal guarantee is applicable only upon maturity of the structured deposit in its denominated currency. If the structured deposit is withdrawn before the maturity date, the redemption amount may be less than the principal amount.
    2 The actual quantum of any bonus interest payment for the last year of the tenure will depend on the average Quarterly Highest Return, and the participation rate, and may be zero.
    3 Guaranteed interest will be paid yearly for each year of the tenure, except for the last year, only if the structured deposit has not been withdrawn.

    Monitor / View Past Performance

    Please note that applications for UOB Fixed Deposit Plus - Best of 2 closed on 4 Nov 2004. Below is a snapshot of the Account.
    • Up to 15.9%* guaranteed interest with potential bonus interest1
    • 100% principal guarantee2 at maturity
    • Protection against negative index performance3

    Currency
    (Dollar)    		Tenor
    (Year)    		Annual
    Interest
    Payment    		Total Guaranteed Interest4 For Entire TenorMinimum
    Effective Interest Rate    		Participation
    Rate
    New Zealand
    (NZD)    		 4 5.3%p.a.
    (Yr 1-3)    		 15.9% 4.05% p.a. 65%
    Australian
    (AUD)    		 4 4.5%p.a.
    (Yr 1-3)    		 13.5% 3.43% p.a. 50%
    United States
    (USD)    		 5 2.2%p.a.
    (Yr 1-4)    		 8.8% 1.78% p.a. 45%
    Singapore
    (SGD)    		 5 1.3%p.a.
    (Yr 1-4)    		 5.2% 1.05% p.a. 20%

    Get the best of 2 indexes
    UOB Fixed Deposit Plus – Best of 2 picks the best quarterly returns5 of the Dow Jones Global Titans 50 and the S&P 500 indexes to calculate your potential bonus interest.

    Every quarter, the indexes are compared to their initial levels (at the deposit start date), and the index with the highest return is selected. If both indexes have negative returns for any quarter, a zero return is used for that quarter. This means you're always protected against negative index performance.

    At maturity, the returns are added up and averaged to calculate your bonus interest.

    Notes
    * For a 4-year NZD Fixed Deposit Plus - Best of 2. Interest rates vary depending on currency and tenor. Please read applicable terms and conditions.
    1 Interest is guaranteed only for part of the tenor. The actual quantum of any bonus interest payment for the last year of the tenor will depend on the quarterly performance of the Dow Jones Global Titans 50 Index and S&P 500 Index and the Participation Rate.
    2 The 100% principal guarantee is applicable only upon maturity of the structured deposit in its denominated currency. If the structured deposit is withdrawn before the maturity date, the redemption amount may be less than the principal amount.
    3 Negative index performance for any quarter will be set to zero.
    4 Interest will be paid yearly on the anniversaries (as specified in the termsheet) of the deposit start date only if the structured deposit has not been withdrawn.
    5 Quarterly return is the percentage change of the index for that quarter compared to its initial level on the deposit start date.

    Monitor / View Past Performance

    Please note that applications for UOB Fixed Deposit Plus - Series 7 closed on 12 Aug 2004. Below is a snapshot of the Account.
    • Up to 11.7% * guaranteed interest
    • Choice of 3 - 5 year tenor from 4 currencies
    • 100% principal guarantee1

    Currency
    (Dollar)    		Tenor
    (Year)    		Total Guaranteed Interest2 For Entire TenorMinimum
    Effective Interest Rate    		Participation
    Rate
     NZD New Zealand 3 11.7% 3.9% p.a. 40%
     AUD Australian 3 10.5% 3.5% p.a. 40%
     USD United States 4 6.8% 1.7% p.a. 35%
     SGD Singapore 5 5.0% 1.0% p.a. 25%

    Note
    *For a 3-year NZD Fixed Deposit Plus Series 7. Interest rates vary depending on currency and tenor. Please read applicable terms and conditions.

    1 The 100% principal guarantee is applicable only upon maturity of the structured deposit in its denominated currency. If the structured deposit is withdrawn before the maturity date, the redemption amount may be less than the principal amount.

    2 Interest will be paid yearly on the anniversaries of the Deposit Start Date only if your deposit has not been withdrawn.

    StocksInitial Reference Price
    Bloomberg Code16 Aug 2004
     Pinault-Printemps-Redoute PP FP EUR74.65
     Total SA~ FP FP EUR38.79
     Bristol-Myers Squibb Co BMY UN USD22.96
     Dell Inc DELL UQ USD34.79
     Fortis FORA NA EUR17.36
     Freddie Mac FRE UN USD66.19
     General Electric GE UN USD32.30
     Honda Motor# 7267 JT JPY2,525
     ING Groep INGA NA EUR19.13
     Eli Lilly & Co LLY UN USD63.09
     Novartis AG NOVN VX CHF57.20
     Pfizer Inc PFE UN USD31.40
     Procter & Gamble PG UN USD54.97
     Royal Dutch Shell** RDSA NA EUR20.45
     L'Oreal   OR FP EUR55.60
     Sony Corporation 6758 JT JPY3,590
     Takeda Pharmaceutical 4502 JT JPY5,010
     Unilever NV ^ UNA NA EUR16.13
     Volkswagen AG VOW GY EUR31.07
     Wells Fargo & Company@ WFC UN USD28.89

    Notice of Corporate Action Adjustments

    **Royal Dutch Shell
    Corporate Action: Merger of Royal Dutch Petroleum with Shell Transport and Trading Co. Every share of Royal Dutch Petroleum will be replaced with 2 shares in the newly formed entity, Royal Dutch Shell (Bloomberg: RDSA NA).
    Adjustment: The Share "Royal Dutch Petroleum" in the Underlying Basket shall be replaced with the newly formed entity "Royal Dutch Shell" and the Initial Price of Royal Dutch Shell shall be adjusted to EUR20.45 (the original Initial Price of Royal Dutch Shell was EUR40.90)

    ^Unilever NV
    Corporate Action: 3-for-1 stock split
    Ex-date: 22 May 2006
    Adjustment Factor: 3 
    Original Initial Reference Price: EUR 48.40 
    Adjusted Initial Reference Price: EUR 48.40 / 3 = EUR 16.13 

    #Honda Motor
    Corporate Action: 2-for-1 stock split
    Ex-date: 27 June 2006
    Adjustment Factor: 2
    Original Initial Reference Price: JPY5,050
    Adjusted Initial Reference Price: JPY2,525

    @Wells Fargo & Company
    Corporate Action: 2-for-1 stock split
    Ex-date: 14 Aug 2006
    Adjustment Factor: 2
    Original Initial Reference Price: USD 57.78
    Adjusted Initial Reference Price: USD 57.78 / 2 = 28.89

    Monitor / View Past Performance

    Please note that applications for UOB Fixed Deposit Plus - Series 6 closed on 3 May 2003. Below is a snapshot of the Account.
    • 100% principal guarantee
    • Choice of 3 - 5 year tenor from 4 currencies
    • Option of an overdraft facility

    Currency
    (Dollar)    		Tenor
    (Year)    		Total Guaranteed InterestMinimum Effective
    Interest Rate
    AUD
    Australia
    3
    		 10.50%
    (5.25% per year for first 2 years)    		 3.561%
    p.a.
    EURO
    3
    		 5%
    (2.50% per year for first 2 years)    		 1.266%
    p.a.
    SGD
    Singapore
    5
    		 4.55%
    (2.275% per year for first 2 years)    		 0.923%
    p.a.
    USD
    United States
    4
    		 4.3%
    (2.15% per year for first 2 years)    		 1.087%
    p.a.

    * Not a conventional fixed deposit. Effective rates vary depending on currency and tenor. Terms and conditions apply.

    Monitor / View Past Performance Champion Deposit (Tranche A)

    Please note that applications for UOB Fixed Deposit Plus - Series 5 closed on 3 May 2003. Below is a snapshot of the Account.
    • 100% principal guarantee
    • Choice of 3 - 5 year tenor from 4 currencies
    • Option of an overdraft facility

    Currency
    (Dollar)    		Tenor
    (Year)    		Total Guaranteed InterestMinimum Effective
    Interest Rate
    NZD
    New Zealand    		 3 10.6%
    (5.3% per year for first 2 years)    		 3.6%
    p.a.
    AUD
    Australia    		 3 10.5%
    (5.25% per year for first 2 years)    		 3.56%
    p.a.
    SGD
    Singapore    		 5 4.5%
    (2.25% per year for first 2 years)    		 0.912% 
    p.a.
    USD
    United States    		 4 4.2%
    (2.1% per year for first 2 years)    		 1.061%
    p.a.

    * Not a conventional fixed deposit. Effective rates vary depending on currency and tenor. Terms and conditions apply.
    ** Actual bonus interest will depend on the performance of the underlying index.

     

    Monitor / View Past Performance

    Please note that applications for UOB Fixed Deposit Plus - Series 3 closed on 3 May 2003. Below is a snapshot of the Account.
    • 100% principal guarantee
    • Choice of 3 - 5 year tenor from 3 currencies
    • Option of an over draft facility

    Currency
    (Dollar)    		Tenor
    (Year)    		Total Guaranteed InterestMinimum Effective
    Interest Rate
     AUD
     Australia     		 3 9.0%
    (4.5% per year for first 2 years)    		 3.045%
    p.a.
     USD
     United States     		 4 4.0%
    (2.0% per year for first 2 years)    		 1.010%
    p.a.
     SGD
     Singapore     		 5 3.8%
    (1.9% per year for first 2 years)    		 0.769%
    p.a.

    *Not a conventional fixed deposit. Effective rates vary depending on currency and tenor. Terms and conditions apply
    **Actual bonus interest will depend on the performance of the underlying index.

     

    Monitor / View Past Performance

    Please note that applications for UOB Fixed Deposit Plus - Series 2 closed on 4 Sep 2003. Below is a snapshot of the Account.
    • Up to 8% guaranteed interest*
    • Up to 91% potential bonus interest**
    • 100% principal guarantee upon maturity
    • Choice of 3-5 year tenor from 3 currencies

    Currency
    (Dollar)    		Tenor
    (Year)    		Total
    Guaranteed Interest    		Potential Bonus Interest
    AUD
    Australia    		 3 8.0%
    (paid over 1st 2 years)    		 up to 91.0%
    USD
    United States    		 4 3.6%
    (paid over 1st 3 years)    		 up to 73.2%
    SGD 
    Singapore    		 5 3.3%
    (paid over 1st 4 years)    		 up to 90.3%
    * Depending on the currency of the structured deposit.

    Attractive cash bonus will be paid on maturity based on your deposit amount.

    Deposit
    Amount    		$50,000
    - $199,000    		$200,000
    - $499,000    		$500,000
    - $999,000    		$1,000,000
    and above
    Cash Bonus $150 $600 $1,500 $3,000
    **Actual bonus interest will depend on the performance of the underlying index.

    Monitor / View Past Performance

    Please note that applications for UOB Fixed Deposit Plus - Series 1 closed on 3 May 2003. Below is a summary of the Account.

    UOB Fixed Deposit Plus - Series 1 is a five-year Singapore Dollar Structured Deposit Account that lets you enjoy:
    • Guaranteed annual interest payment of 1.65% p.a. for the first two years
    • Potential bonus interest of up to 104.7%1 on maturity. This bonus interest is linked to the performance of Dow Jones Global Titans 50 Index (DJGT Index), which comprises the world's 50 largest companies. The bonus interest earned is calculated by the net total return2 (based on the sum of month-on-month return3) of Dow Jones Global Titans 50 Index and is payable only if the net total returns over the five-year period is greater than zero
    • No sales or management fees
    • Guaranteed principal4 on maturity
    Notes:
    1 Actual bonus interest will depend on the performance of the underlying index.
    2 Net total return is the total monthly return less the total fixed interest payment.
    3. Month-on-month return of Dow Jones Global Titans 50 Index is subject to a cap of 4%.
    4 100% principal guarantee is applicable only if placed for the full 5-year term.

    More Information


    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.