UOB Fortune Deposit Series

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UOB Principal Guaranteed Structured Deposit: Fortune Deposit - Series (11) ("UOB Fortune Deposit Series (11)") is a 4 years and 11 months structured deposit which pays you guaranteed interest1 and guarantees your principal2 if held to maturity. In addition, you enjoy the opportunity to earn a maturity bonus interest that is linked to the performance of the Underlying Basket of Crude Oil and Gold.
Key Benefits:
  • Receive guaranteed interest paymentstotaling 6.6% of Principal Amount if held to maturity: 
    At the end of
    Guaranteed Interest Rate
    Month 3
    3%*
    Year 2
    1.2%*
    Year 3
    1.2%*
    Year 4
    1.2%*

    *Rates shown are as a percentage of the Principal Amount 

    Maturity Bonus Interest 
    3.75% of the Principal Amount will be paid on the Maturity Date if the Closing Price of the Worse Performing Commodity in the Underlying Basket3 equals to or exceeds 135% of its Initial Price on the Final Observation Date.

    2.25% of the Principal Amount will be paid on the Maturity Date if the Closing Price of the Worse Performing Commodity in the Underlying Basket3 equals to or exceeds 100% of its Initial Price but is below 135% of its Initial Price on the Final Observation Date.

    0.75% of the Principal Amount will be paid on the Maturity Date if the Closing Price of the Worse Performing Commodity in the Underlying Basket3 is below 100% of its Initial Price on the Final Observation Date.

    The total minimum interest of 7.35 % (being total Guaranteed Interests of 6.6% plus the minimum Maturity Bonus Interest of 0.75%)of the Principal Amount payable over the Tenor is equivalent to a minimum effective interest rate of 1.51474% p.a. assuming that the whole of the Principal Amount is held till Maturity Date.

    Principal Amount is held till Maturity Date. 
     
  • 100% of your Principal Amount is guaranteed2 and payable by UOB upon maturity


Note: 
Product terms and conditions apply. Please refer to the Indicative Term Sheet for more details including the actual dates and pre-specified dates (including the Initial Observation Date, Final Observation Date and relevant Interest Payment Dates ). All undefined capitalised terms shall have the meaning given to them in the Indicative Term Sheet. 

A copy of the Indicative Term Sheet is available at the point of sale or at any United Overseas Bank ("UOB") branch. 
1 A Guaranteed Interest of 3% of the Principal Amount will be paid at the end of Month 3 and a Guaranteed Interest of 1.2% of the Principal Amount will be paid at the end of each of Year 2, Year 3 and Year 4. The guaranteed interests are guaranteed only if the whole Principal Amount is held with the Bank until the relevant Interest Payment Dates.
2 Only if the whole Principal Amount is held until the Maturity Date.
3 Underlying Basket consists of 2 Commodities – Crude Oil and Gold.

Important - Please note: 
The above is for general information only and does not constitute an offer, an invitation to offer, a solicitation or a recommendation by UOB to enter into or conclude any transaction. The amount placed in the UOB Principal Guaranteed Structured Deposit: Fortune Deposit - Series (11) ("UOB Fortune Deposit - Series (11)") is principal guaranteed only if held until the maturity date. The UOB Fortune Deposit - Series (11) may not be withdrawn before the maturity date without express consent from UOB. The Tenor of this structured deposit is 4 years and 11 months. In the event that UOB allows you to withdraw the structured deposit before the maturity date, you shall be liable to indemnify UOB for any loss, costs, charges and/or expenses referable to such early termination as incurred by UOB (including those in relation to UOB's unwinding or termination of its hedging and/or funding position) and such other administrative and other charges as UOB may impose. In such instances, you may receive less than your principal amount. You may wish to seek advice from a licensed or an exempt financial adviser before making a commitment to purchase UOB Fortune Deposit - Series (11). In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should consider carefully whether UOB Fortune Deposit - Series (11) is suitable for you.

Unlike traditional deposits, the UOB Fortune Deposit - Series (11) has risk and investment elements, are not an insured deposit within the meaning of the Deposit Insurance Act (Cap 77A). 

In addition, structured deposits are not fixed deposits and 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 Monetary Authority of Singapore (which is in effect until 31 December 2010). 

United Overseas Bank Limited is the structured deposit taking institution for UOB Principal Guaranteed Structured Deposit: Fortune Deposit - Series (11).

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UOB Principal Guaranteed Structured Deposit: Fortune Deposit - Series (10) ("UOB Fortune Deposit Series (10)") is a 4 years and 11 months structured deposit which pays you guaranteed interest1 and guarantees your principal2 if held to maturity. In addition, you enjoy the opportunity to earn a potential yearly bonus interest that is linked to the performance of the Underlying Basket of 4 Singapore Property and REIT Shares3.
Key Benefits: 
  • Receive guaranteed interest paymentstotaling 6.4% of Principal Amount if held to maturity: 
    At the end of each of
    Guaranteed Interest Rate
    Year 1
    3%*
    Year 2
    0.7%*
    Year 3
    0.8%*
    Year 4
    0.9%*
    Maturity Date
    1%*

    *Rates shown are as a percentage of the Principal Amount 

    Potential Yearly Bonus Interest
    Starting from Year 2 onwards, the investor will receive a Yearly Bonus Interest of 1% of the Principal Amount on each Interest Payment Date4 if the Closing Prices of all the Shares in the Underlying Basket are equal to or above their respective Barrier Prices (which is 90% of its Initial Price) on each Observation Date.

    The total minimum interest of 6.4% (being total Guaranteed Interests of 6.4%) of the Principal Amount payable over the tenor is equivalent to a minimum effective interest rate of 1.3110% p.a. assuming that the whole of the Principal Amount is held till Maturity Date.

    Principal Amount is held till Maturity Date. 
     
  • 100% of your Principal Amount is guaranteed2 and payable by UOB upon maturity


Note: 
Product terms and conditions apply. Please refer to the Indicative Term Sheet for more details including the actual dates and pre-specified dates (including the Initial Observation Date, Observation Dates and relevant Interest Payment Dates ). All undefined capitalised terms shall have the meaning given to them in the Indicative Term Sheet.

A copy of the Indicative Term Sheet is available at the point of sale or at any United Overseas Bank ("UOB") branch.
1 A Guaranteed Interest of 3% of the Principal Amount will be paid at the end of Year 1, 0.7% of the Principal Amount will be paid at the end of Year 2, 0.8% of the Principal Amount will be paid at the end of Year 3, 0.9% of the Principal Amount will be paid at the end of Year 4 and a Guaranteed Interest of 1% of the Principal Amount will be paid on Maturity Date. The guaranteed interests are guaranteed only if the whole Principal Amount is held with the Bank until the relevant Interest Payment Dates.
2 Only if the whole Principal Amount is held until the Maturity Date.
3 Shares of 4 Companies - CapitaLand Limited, City Developments Limited, Ascendas Real Estate Investment Trust and CapitaMall Trust
4 The whole Principal Amount is to be held with the Bank on such Interest Payment Date.

Important - Please note:
The above is for general information only and does not constitute an offer, an invitation to offer, a solicitation or a recommendation by UOB to enter into or conclude any transaction. The amount placed in the UOB Principal Guaranteed Structured Deposit: Fortune Deposit - Series (10) ("UOB Fortune Deposit - Series (10)") is principal guaranteed only if held until the maturity date. The UOB Fortune Deposit - Series (10) may not be withdrawn before the maturity date without express consent from UOB. The Tenor of this structured deposit is 4 years and 11 months. In the event that UOB allows you to withdraw the structured deposit before the maturity date, you shall be liable to indemnify UOB for any loss, costs, charges and/or expenses referable to such early termination as incurred by UOB (including those in relation to UOB's unwinding or termination of its hedging and/or funding position) and such other administrative and other charges as UOB may impose. In such instances, you may receive less than your principal amount. You may wish to seek advice from a licensed or an exempt financial adviser before making a commitment to purchase UOB Fortune Deposit - Series (10). In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should consider carefully whether UOB Fortune Deposit - Series (10) is suitable for you.

Unlike traditional deposits, the UOB Fortune Deposit - Series (10) has risk and investment elements, are not an insured deposit within the meaning of the Deposit Insurance Act (Cap 77A). 

In addition, structured deposits are not fixed deposits and 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 Monetary Authority of Singapore (which is in effect until 31 December 2010). 

United Overseas Bank Limited is the structured deposit taking institution for UOB Principal Guaranteed Structured Deposit: Fortune Deposit - Series (10).

Monitor / View Past Performance

UOB Principal Guaranteed Structured Deposit: Fortune Deposit 
– Series (9) ("UOB Fortune Deposit – Series (9)") is a 4 years and 11 months structured deposit which pays you guaranteed interest1 and guarantees your principal2 if held to maturity. In addition, you enjoy the opportunity to earn a maturity bonus interest that is linked to the performance of the Underlying Share, Overseas-Chinese Banking Corporation Limited ("OCBC").
Key Benefits:
  • Receive guaranteed interest payments1 totaling 6.6% of Principal Amount if held to maturity: 
    At the end of each of
    Guaranteed Interest Rate
    Year 1
    3%*
    Year 2
    1.2%*
    Year 3
    1.2%*
    Year 4
    1.2%*

    *Rates shown are as a percentage of the Principal Amount 

    Maturity Bonus Interest
    Maturity Bonus Interest will be paid on Maturity Date based on the total number of Observation Dates3 where the Closing Price of OCBC's share equals to or exceeds its Barrier Level (115% of the Initial Price4) on the respective Observation Dates.

    Maturity Bonus Interest of 5% of the Principal Amount will be paid if on 5 Observation Dates3 the Closing Price of OCBC's share equals to or exceeds its Barrier Level. 
    Maturity Bonus Interest of 3% of the Principal Amount will be paid if on 4 Observation Dates3 the Closing Price of OCBC's share equals to or exceeds its Barrier Level. 
    Maturity Bonus Interest of 1.5% of the Principal Amount will be paid if on 3 Observation Dates3 the Closing Price of OCBC's share equals to or exceeds its Barrier Level. 
    A minimum Maturity Bonus Interest of 0.25% of the Principal Amount will be paid if none of the above conditions is met.

    The total minimum interest of 6.85% (being total Guaranteed Interests of 6.6% plus the minimum Maturity Bonus Interest of 0.25%)of the Principal Amount payable over the tenor is equivalent to a minimum effective interest rate of 1.4070% p.a. assuming that the whole of the Principal Amount is held till Maturity Date.

  • 100% of your Principal Amount is guaranteed2 and payable by UOB upon maturity


Note: 
Product terms and conditions apply. Please refer to the Indicative Term Sheet for more details including the actual dates and pre-specified dates (including the Initial Observation Date,Observation Date and relevant Interest Payment Dates ). All undefined capitalised terms shall have the meaning given to them in the Indicative Term Sheet. A copy of the Indicative Term Sheet is available at the point of sale or at any United Overseas Bank ("UOB") branch. 
1 A Guaranteed Interest of 3% of the Principal Amount will be paid at the end of Year 1 and a Guaranteed Interest of 1.2% of the Principal Amount will be paid at the end of each of Year 2, Year 3 and Year 4. The guaranteed interests are guaranteed only if the whole Principal Amount is held with the Bank until the relevant Interest Payment Dates.
2 Only if the whole Principal Amount is held until the Maturity Date.
3 Observation Dates refer to the 5 annual pre-specified dates as listed in the Indicative Termsheet.
4 Initial Price refers to the Closing Price of OCBC Share on the Initial Observation Date.


Important - Please note: The above is for general information only and does not constitute an offer, an invitation to offer, a solicitation or a recommendation by UOB to enter into or conclude any transaction. The amount placed in the UOB Principal Guaranteed Structured Deposit: Fortune Deposit – Series (9) ("UOB Fortune Deposit – Series (9)") is principal guaranteed only if held until the maturity date. The UOB Fortune Deposit – Series (9) may not be withdrawn before the maturity date without express consent from UOB. The Tenor of this structured deposit is 4 years and 11 months. In the event that UOB allows you to withdraw the structured deposit before the maturity date, you shall be liable to indemnify UOB for any loss, costs, charges and/or expenses referable to such early termination as incurred by UOB (including those in relation to UOB's unwinding or termination of its hedging and/or funding position) and such other administrative and other charges as UOB may impose. In such instances, you may receive less than your principal amount. You may wish to seek advice from a licensed or an exempt financial adviser before making a commitment to purchase UOB Fortune Deposit – Series (9). In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should consider carefully whether UOB Fortune Deposit – Series (9) is suitable for you. 

Unlike traditional deposits, the UOB Fortune Deposit – Series (9) has risk and investment elements, are not an insured deposit within the meaning of the Deposit Insurance Act (Cap 77A). 

In addition, structured deposits are not fixed deposits and 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 Monetary Authority of Singapore (which is in effect until 31 December 2010). 

United Overseas Bank Limited is the structured deposit taking institution for UOB Principal Guaranteed Structured Deposit: Fortune Deposit – Series (9).

Monitor / View Past Performance

UOB Principal Guaranteed Structured Deposit: Fortune Deposit 
– Series (8) ("UOB Fortune Deposit – Series (8)") is a 4 years and 11 months structured deposit which pays you guaranteed interest1 and guarantees your principal2 if held to maturity. In addition, you enjoy the opportunity to earn a maturity bonus interest that is linked to the performance of 2 Singapore blue chip Shares3.
Key Benefits:
  • Receive guaranteed interest payments1 totaling 5.8% of Principal Amount if held to maturity: 
    At the end of each of
    Guaranteed Interest Rate
    Year 1
    2.8%*
    Year 2
    1%*
    Year 3
    1%*
    Year 4
    1%*

    *Rates shown are as a percentage of the Principal Amount 

    Maturity Bonus Interest 
    Maturity Bonus Interest will be paid based on the following conditions:
    Condition A: On the Final Observation Date, the Closing Prices of both Shares3 are above or equal to 75% of their respective Initial Prices.
    Condition B: On the Final Observation Date, the Closing Prices of both Shares3 are above their respective Initial Prices or the Closing Prices of both Shares3 are below their respective Initial Prices
    5% of the Principal Amount will be paid on the Maturity Date if both Condition A and Condition B are fulfilled.
    2.5% of the Principal Amount will be paid on the Maturity Date if either Condition A or Condition B is fulfilled.
    1% of the Principal Amount will be paid on the Maturity Date if both Condition A and Condition B are not fulfilled.

    The total minimum interest of 6.8% (Being total Guaranteed Interests of 5.8% plus the minimum Maturity Bonus Interest of 1%) of the Principal Amount payable over the full tenor is equivalent to a minimum effective interest rate of 1.3923% p.a. assuming that the whole of the Principal Amount is held till Maturity Date. 
     
  • 100% of your Principal Amount is guaranteed2 and payable by UOB upon maturity


Note: Product terms and conditions apply. Please see the Indicative Term Sheet for more details including the actual dates and pre-specified dates (including the Initial Observation Date, Final Observation Date and relevant Interest Payment Dates ). All undefined capitalised terms shall have the meaning given to them in the Indicative Term Sheet.
 
1 A Guaranteed Interest of 2.8% of the Principal Amount will be paid at the end of Year 1 and a Guaranteed Interest of 1% of the Principal Amount will be paid at the end of each of Year 2, Year 3 and Year 4. The guaranteed interests are guaranteed only if the whole Principal Amount is held with the Bank until the relevant Interest Payment Dates.
2 Only if the whole Principal Amount is held until the Maturity Date.
3 Shares of 2 Companies – Singapore Exchange Limited and Singapore Telecommunications Limited.

Important - Please note: 
The above is for information purposes only and does not constitute an offer, an invitation to offer, a solicitation or a recommendation by UOB to enter into or conclude any transaction. The UOB Principal Guaranteed Structured Deposit: Fortune Deposit – Series (6) ("UOB Fortune Deposit – Series (6)") is not a conventional deposit as it has risk and investment elements, and returns may vary. Any principal guaranteed will only apply if the whole Principal Amount is held until the Maturity Date. The UOB Fortune Deposit – Series (6) may not be withdrawn before the Maturity Date without consent from UOB. The Tenor of this structured deposit is 4 years and 11 months. In the event that UOB allows you to withdraw the structured deposit before the Maturity Date, you shall be liable to indemnify UOB for any loss, costs, charges and/or expenses referable to such early termination as incurred by UOB (including those in relation to UOB's unwinding or termination of its hedging and/or funding position) and such other administrative and other charges as UOB may impose. In such instances, you may receive less than your Principal Amount. You may wish to seek advice from a licensed or an exempt financial adviser before making a commitment to purchase UOB Fortune Deposit – Series (6). In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should carefully consider whether UOB Fortune Deposit – Series (6) is suitable for you. 

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 2005 (No. 31 of 2005). 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). 

United Overseas Bank Limited is the structured deposit taking institution for UOB Principal Guaranteed Structured Deposit: Fortune Deposit – Series (6).

Monitor / View Past Performance

UOB Principal Guaranteed Structured Deposit: Fortune Deposit – Series (7) ("UOB Fortune Deposit – Series (7)") is a 4 years and 11 months structured deposit which pays you guaranteed interest1 and guarantees your principal2 if held to maturity.
Key Benefits:
  • Receive guaranteed interest payments1 totaling 7.3% of Principal Amount if held to maturity: 
    At the end of each of
    Guaranteed Interest Rate
    Year 1
    2.8%*
    Year 2
    1.5%*
    Year 3
    1.5%*
    Year 4
    1.5%*

    *Rates shown are as a percentage of the Principal Amount
  • The Guaranteed Interest rate is equivalent to a minimum effective interest rate of 1.5004%p.a. assuming that no other interest is paid up to the Maturity Date.
  • 100% of your Principal Amount is guaranteed2 and payable by UOB upon maturity


Note: 
Product terms and conditions apply. Please see the Indicative Term Sheet for more details including the actual dates and pre-specified dates (including the Initial Observation Date, Final Observation Date and relevant Interest Payment Dates ). All undefined capitalised terms shall have the meaning given to them in the Indicative Term Sheet.
1 A Guaranteed Interest of 2.8% of the Principal Amount will be paid at the end of Year 1 and a Guaranteed Interest of 1.5% of the Principal Amount will be paid at the end of each of Year 2, Year 3 and Year 4. The guaranteed interests are guaranteed only if the whole Principal Amount is held with the Bank until the relevant Interest Payment Dates.
2 Only if the whole Principal Amount is held until the Maturity Date.


Important - Please note: The above is for general information only and does not constitute an offer, an invitation to offer, a solicitation or a recommendation by UOB to enter into or conclude any transaction. The amount placed in the UOB Principal Guaranteed Structured Deposit: Fortune Deposit – Series (7) ("UOB Fortune Deposit – Series (7)") is principal guaranteed only if held until the maturity date. The UOB Fortune Deposit – Series (7) may not be withdrawn before the maturity date without express consent from UOB. The Tenor of this structured deposit is 4 years and 11 months. In the event that UOB allows you to withdraw the structured deposit before the maturity date, you shall be liable to indemnify UOB for any loss, costs, charges and/or expenses referable to such early termination as incurred by UOB (including those in relation to UOB's unwinding or termination of its hedging and/or funding position) and such other administrative and other charges as UOB may impose. In such instances, you may receive less than your principal amount. You may wish to seek advice from a licensed or an exempt financial adviser before making a commitment to purchase UOB Fortune Deposit – Series (7). In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should consider carefully whether UOB Fortune Deposit – Series (7) is suitable for you. 

Unlike traditional deposits, the UOB Fortune Deposit – Series (7) has risk and investment elements, is not an insured deposit within the meaning of the Deposit Insurance Act (Cap 77A). 

In addition, structured deposits are not fixed deposits and 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 Monetary Authority of Singapore (which is in effect until 31 December 2010). 

United Overseas Bank Limited is the structured deposit taking institution for UOB Principal Guaranteed Structured Deposit: Fortune Deposit – Series (7).

Monitor / View Past Performance

 

UOB Principal Guaranteed Structured Deposit: Fortune Deposit – Series (6) ("UOB Fortune Deposit – Series (6)") is a 4 years and 11 months structured deposit which pays you guaranteed interest1 and guarantees your principal2 if held to maturity.
Key Benefits:
  • Receive guaranteed interest payments1 totaling 6% of Principal Amount if held to maturity: 
    At the end of each of
    Guaranteed Interest Rate
    Year 1
    1.5%*
    Year 2
    1.5%*
    Year 3
    1.5%*
    Year 4
    1.5%*

    *Rates shown are as a percentage of the Principal Amount
  • The Guaranteed Interest rate is equivalent to a minimum effective interest rate of 1.3257%p.a. assuming that no other interest is paid up to the Maturity Date.
  • 100% of your Principal Amount is guaranteed2 and payable by UOB upon maturity


Note: Product terms and conditions apply. Please see the Indicative Term Sheet for more details including the actual dates and pre-specified dates (including the Initial Observation Date, Final Observation Date and relevant Interest Payment Dates ). All undefined capitalised terms shall have the meaning given to them in the Indicative Term Sheet.
1 A Guaranteed Interest of 1.5% of the Principal Amount will be paid at the end of each of Year 1, Year 2, Year 3 and Year 4. The guaranteed interests are guaranteed only if the whole Principal Amount is held with the Bank until the relevant Interest Payment Dates.
2 Only if the whole Principal Amount is held until the Maturity Date.

Important - Please note:

The above is for information purposes only and does not constitute an offer, an invitation to offer, a solicitation or a recommendation by UOB to enter into or conclude any transaction. The UOB Principal Guaranteed Structured Deposit: Fortune Deposit – Series (6) ("UOB Fortune Deposit – Series (6)") is not a conventional deposit as it has risk and investment elements, and returns may vary. Any principal guaranteed will only apply if the whole Principal Amount is held until the Maturity Date. The UOB Fortune Deposit – Series (6) may not be withdrawn before the Maturity Date without consent from UOB. The Tenor of this structured deposit is 4 years and 11 months. In the event that UOB allows you to withdraw the structured deposit before the Maturity Date, you shall be liable to indemnify UOB for any loss, costs, charges and/or expenses referable to such early termination as incurred by UOB (including those in relation to UOB's unwinding or termination of its hedging and/or funding position) and such other administrative and other charges as UOB may impose. In such instances, you may receive less than your Principal Amount. You may wish to seek advice from a licensed or an exempt financial adviser before making a commitment to purchase UOB Fortune Deposit – Series (6). In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should carefully consider whether UOB Fortune Deposit – Series (6) is suitable for you. 

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 2005 (No. 31 of 2005). 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). 

United Overseas Bank Limited is the structured deposit taking institution for UOB Principal Guaranteed Structured Deposit: Fortune Deposit – Series (6).

Monitor / View Past Performance

UOB Principal Guaranteed Structured Deposit: Fortune Deposit – Series (5) ("UOB Fortune Deposit – Series (5)") is a 4 years and 11 months structured deposit which pays you guaranteed interest1 and guarantees your principal2 if held to maturity.
Key Benefits:
  • Receive guaranteed interest payments1 totaling 7% of Principal Amount if held to maturity: 
    At the end of
    Guaranteed Interest Rate
    Year 1
    1.75%*
    Year 2
    1.75%*
    Year 3
    1.75%*
    Year 4
    1.75%*

    *Rates shown are as a percentage of the Principal Amount
  • The Guaranteed Interest rate is equivalent to a minimum effective interest rate of 1.4326%p.a. assuming that no other interest is paid up to the Maturity Date.
  • 100% of your Principal Amount is guaranteed2 and payable by UOB upon maturity


Note: 
Product terms and conditions apply. Please see the Indicative Term Sheet for more details including the actual dates and pre-specified dates (including the Initial Observation Date, Final Observation Date and relevant Interest Payment Dates ). All undefined capitalised terms shall have the meaning given to them in the Indicative Term Sheet.
1 A Guaranteed Interest of 1.75% of the Principal Amount will be paid at the end of Year 1, Year 2, Year 3 and Year 4. The guaranteed interests are guaranteed only if the whole Principal Amount is held with the Bank until the relevant Interest Payment Dates.
2 Only if the whole Principal Amount is held until the Maturity Date.

Important - Please note:

The above is for information purposes only and does not constitute an offer, an invitation to offer, a solicitation or a recommendation by UOB to enter into or conclude any transaction. The UOB Principal Guaranteed Structured Deposit: Fortune Deposit – Series (5) ("UOB Fortune Deposit – Series (5)") is not a conventional deposit as it has risk and investment elements, and returns may vary. Any principal guaranteed will only apply if the whole Principal Amount is held until the Maturity Date. The UOB Fortune Deposit – Series (5) may not be withdrawn before the Maturity Date without consent from UOB. The Tenor of this structured deposit is 4 years and 11 months. In the event that UOB allows you to withdraw the structured deposit before the Maturity Date, you shall be liable to indemnify UOB for any loss, costs, charges and/or expenses referable to such early termination as incurred by UOB (including those in relation to UOB's unwinding or termination of its hedging and/or funding position) and such other administrative and other charges as UOB may impose. In such instances, you may receive less than your Principal Amount. You may wish to seek advice from a licensed or an exempt financial adviser before making a commitment to purchase UOB Fortune Deposit – Series (5). In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should carefully consider whether UOB Fortune Deposit – Series (5) is suitable for you. 

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 2005 (No. 31 of 2005). 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).

United Overseas Bank Limited is the structured deposit taking institution for UOB Principal Guaranteed Structured Deposit: Fortune Deposit – Series (5).

Monitor / View Past Performance

UOB Principal Guaranteed Structured Deposit: Fortune Deposit – Series (3) ("UOB Fortune Deposit – Series (3)") is a 4 years and 11 months structured deposit which pays you guaranteed interest1 and guarantees your principal2 if held to maturity. In addition, you enjoy the opportunity to earn a potential Maturity Bonus Interest that is linked to the performance of Oversea-Chinese Banking Corporation Limited's share price.
Key Benefits:
  • Receive guaranteed interest payments3 totaling 7.9% of Principal Amount if held to maturity:
    At the end of
    Guaranteed Interest Rate
    Year 1
    1.75%*
    Year 2
    1.75%*
    Year 3
    1.75%*
    Year 4
    1.75%*
    At maturity (4 years and 11 months)
    0.9%*

    *Rates shown are as a percentage of the Principal Amount 
    The Guaranteed Interest rate is equivalent to a minimum effective interest rate of 1.6101%p.a. assuming that no other interest is paid up to the Maturity Date.
  • Enjoy the opportunity to earn a potential Maturity Bonus Interest:
    If the Closing Price of the Underlying Share equals to or exceeds 125% of its Initial Price on the Final Observation Date, a Maturity Bonus Interest of 2.2% of the Principal Amount will be paid on the Maturity Date.
  • 100% of your Principal Amount is guaranteed2 and payable by UOB upon maturity


Note: 
Product terms and conditions apply. Please see the Indicative Term Sheet for more details including the actual dates and pre-specified dates (including the Initial Observation Date, Final Observation Date and relevant Interest Payment Dates ). All undefined capitalised terms shall have the meaning given to them in the Indicative Term Sheet.
1 The total possible interest payable consists of total guaranteed interest3 of 7.9% of the Principal Amount during the Tenor and the potential maturity bonus interest of 2.2% of the Principal Amount linked to the performance of Oversea-Chinese Banking Corporation Limited's share price.
2 Only if the whole Principal Amount is held until the Maturity Date.
3 The guaranteed interests are guaranteed only if the whole Principal Amount is held with the Bank until the relevant Interest Payment Dates.

Important - Please note:
The above is for information purposes only and does not constitute an offer, an invitation to offer, a solicitation or a recommendation by UOB to enter into or conclude any transaction. The UOB Principal Guaranteed Structured Deposit: Fortune Deposit – Series (3) ("UOB Fortune Deposit – Series (3)") is not a conventional deposit as it has risk and investment elements, and returns may vary. Any principal guaranteed will only apply if the whole Principal Amount is held until the Maturity Date. The UOB Fortune Deposit – Series (3) may not be withdrawn before the Maturity Date without consent from UOB. The Tenor of this structured deposit is 4 years and 11 months. In the event that UOB allows you to withdraw the structured deposit before the Maturity Date, you shall be liable to indemnify UOB for any loss, costs, charges and/or expenses referable to such early termination as incurred by UOB (including those in relation to UOB's unwinding or termination of its hedging and/or funding position) and such other administrative and other charges as UOB may impose. In such instances, you may receive less than your Principal Amount. You may wish to seek advice from a licensed or an exempt financial adviser before making a commitment to purchase UOB Fortune Deposit – Series (3). In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should carefully consider whether UOB Fortune Deposit – Series (3) is suitable for you.

Monitor / View Past Performance

UOB Principal Guaranteed Structured Deposit: Fortune Deposit - Series (2) ("UOB Fortune Deposit - Series (2)") is a 4 years and 6 months structured deposit which pays you guaranteed interest1 and guarantees your principal2 if held to maturity. In addition, you enjoy the opportunity to earn a potential maturity bonus interest that is linked to the performance of Oversea-Chinese Banking Corporation Limited's share price.
Key Benefits:
  • Receive guaranteed interest payments totaling 6.6% of Principal Amount during the Tenor: 
    At the end of
    Guaranteed Interest Rate
    Year 1
    1.5%*
    Year 2
    1.6% *
    Year 3
    1.7% *
    Year 4
    1.8% *

    *Rates shown are as a percentage of the Principal Amount
  • Enjoy the opportunity to earn a potential Maturity Bonus Interest:
    If the Closing price of the Underlying Share equals to or exceeds 125% of its Initial Price on the Final Observation Date, a Maturity Bonus Interest of 1% of the Principal Amount will be paid on maturity.
  • 100% of your Principal Amount is guaranteed2 and payable by UOB upon maturity

The Guaranteed Interest rate is equivalent to a minimum effective interest rate of 1.4681%p.a. assuming that no other interest is paid up to the Maturity Date. 


Note:
 
Product terms and conditions apply. Please see the Indicative Term Sheet for more details including the actual dates and pre-specified dates (including the Initial Observation Date, Final Observation Date and relevant Interest Payment Dates ). All undefined capitalised terms shall have the meaning given to them in the Indicative Term Sheet.
1 The total possible interest payable consist of total guaranteed interest of 6.6% of the Principal Amount during the Tenor and the potential maturity bonus interest of 1% of the Principal Amount linked to the performance of Oversea-Chinese Banking Corporation Limited's share price. The guaranteed interest is guaranteed only if the whole Principal Amount is held with the Bank until the relevant Interest Payment Dates.
2 Only if the whole Principal Amount is held until the Maturity Date.

Important - Please note:

The above is for information purposes only and does not constitute an offer, an invitation to offer, a solicitation or a recommendation by UOB to enter into or conclude any transaction. The UOB Principal Guaranteed Structured Deposit: Fortune Deposit - Series (2) ("UOB Fortune Deposit - Series (2)") is not a conventional deposit as it has risk and investment elements, and returns may vary. Any principal guaranteed will only apply if the whole Principal Amount is held until the Maturity Date. The UOB Fortune Deposit - Series (2) may not be withdrawn before the Maturity Date without consent from UOB. The Tenor of this structured deposit is 4 years and 6 months. In the event that UOB allows you to withdraw the structured deposit before the Maturity Date, you shall be liable to indemnify UOB for any loss, costs, charges and/or expenses referable to such early termination as incurred by UOB (including those in relation to UOB's unwinding or termination of its hedging and/or funding position) and such other administrative and other charges as UOB may impose. In such instances, you may receive less than your Principal Amount. You may wish to seek advice from a licensed or an exempt financial adviser before making a commitment to purchase UOB Fortune Deposit - Series (2). In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should carefully consider whether UOB Fortune Deposit - Series (2) is suitable for you.

Monitor / View Past Performance

UOB Principal Guaranteed Structured Deposit: Fortune Deposit - Series (1) ("UOB Fortune Deposit - Series (1)") is a 4 years and 11 months structured deposit which pays you annual guaranteed interests1 and guarantees your principal2 if held to maturity. In addition, you enjoy the opportunity to earn a potential Maturity Bonus Interest that is linked to the performance of Singapore Telecommunications Ltd's share price.
At the end of
Guaranteed Interest Rate
Year 1
1.45%*
Year 2
1.55% *
Year 3
1.65% *
Year 4
1.75% *
At maturity (4 years and 11 months)
1.85% *

*Rates shown are as a percentage of the Principal Amount 

  • Enjoy the opportunity to earn a potential Maturity Bonus Interest:
    If the Underlying Share closes at or above 125% of its Initial Price on the Final Observation Date, a Maturity Bonus Interest of 0.5% of the Principal Amount will be paid on the Maturity Date.
  • 100% of your Principal Amount is guaranteed2 and payable by UOB upon maturity


Note: 
Product terms and conditions apply. Please see the Indicative Term Sheet for more details including the actual dates and pre-specified dates (including the Initial Observation Date and relevant Interest Payment Dates ). All undefined capitalised terms shall have the meaning given to them in the Indicative Term Sheet.
1 The total possible interest payable consist of total guaranteed interest of 8.25% of the Principal Amount during the Tenor and the potential maturity bonus interest of 0.5% of the Principal Amount linked to the performance of Singapore Telecommunications Ltd’s share price. The guaranteed interests are guaranteed only if the whole Principal Amount is held with the Bank until the relevant Interest Payment Dates.
2 Only if the whole Principal Amount is held until the Maturity Date.

Important - Please note:

The above is for information purposes only and does not constitute an offer, an invitation to offer, a solicitation or a recommendation by UOB to enter into or conclude any transaction. The UOB Principal Guaranteed Structured Deposit: Fortune Deposit - Series (1) ("UOB Fortune Deposit - Series (1)") is not a conventional deposit as it has risk and investment elements, and returns may vary. Any principal guaranteed will only apply if the whole Principal Amount is held until the Maturity Date. The UOB Fortune Deposit - Series (1) may not be withdrawn before the Maturity Date without consent from UOB. The Tenor of this structured deposit is 4 years and 11 months. In the event that UOB allows you to withdraw the structured deposit before the Maturity Date, you shall be liable to indemnify UOB for any loss, costs, charges and/or expenses referable to such early termination as incurred by UOB (including those in relation to UOB's unwinding or termination of its hedging and/or funding position) and such other administrative and other charges as UOB may impose. In such instances, you may receive less than your Principal Amount. You may wish to seek advice from a licensed or an exempt financial adviser before making a commitment to purchase UOB Fortune Deposit - Series (1). In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should carefully consider whether UOB Fortune Deposit - Series (1) is suitable for you.

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.