UOB Growth Deposit Series

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Key Benefits: 
 

UOB Principal Guaranteed Structured Deposit: Growth Deposit – Series (12) ("UOB Growth Deposit – Series (12)") is a 5-year and 11-month structured deposit which pays you guaranteed interest1 and guarantees your principal2 if held to maturity. The total guaranteed minimum interest of 6.8%1 of the Principal Amount payable over the Tenor of 5 years and 11 months is equivalent to an effective interest rate of 1.1472% per annum assuming that the whole Principal Amount is held till the Maturity Date. 

In addition, you enjoy the opportunity to earn a Maturity Variable Interest3 of up to 3% of the Principal Amount that is linked to (i) 10Y SGD swap rate4 minus (ii) 1.25 multiplied by 2Y SGD swap rate4. A similar structure is also available in USD*. 

Summary Of Features:
Investment Currency
Singapore Dollars (SGD)
Tenor 5 Years and 11 Months
Offer Period 13 December 2010 to 15 January 2011
(Subject to changes, please refer to Indicative Term Sheet for more details)
Guaranteed Fixed Interest Payable at the end of:
Year 1
1.00%1 of the Principal Amount
Year 2
1.10%1 of the Principal Amount
Year 3
1.20%1 of the Principal Amount
Year 4
1.40%1 of the Principal Amount
Year 5
1.60%1 of the Principal Amount
Total Guaranteed Minimum Interest 6.8%1 of the Principal Amount
(Being Guaranteed Fixed Interest totaling 6.3% plus minimum Maturity Variable Interest of 0.5%)
Underlying Instrument 10Y SGD swap rate4 and 2Y SGD swap rate4
Observation Date 20 December 2016
(In the event such date falls on a non-Business Day, it shall be postponed to the immediate following Business Day.)
Maturity Variable Interest The Maturity Variable Interest Rate shall be calculated as (i) 10Y SGD swap rate minus (ii) 1.25 multiplied by 2Y SGD swap rate (i.e. 10Y SGD Swap Rate – {1.25 x 2Y SGD Swap Rate}) observed on the Observation Date.

The minimum Maturity Variable Interest Rate is 0.5% and maximum Maturity Variable Interest Rate is 3%. The Maturity Variable Interest is payable only on the Maturity Date provided the whole Principal Amount is held with the Bank until Maturity.
Minimum Effective Interest Rate 1.1472% per annum
(Based on total guaranteed minimum interest of 6.8%1 of the Principal Amount payable over the Tenor assuming that the whole of the Principal Amount is held till the Maturity Date.)

1
A Guaranteed Fixed Interest of 1% of the Principal Amount will be paid at the end of Year One, 1.1% of the Principal Amount will be paid at the end of Year Two, 1.2% of the Principal Amount will be paid at the end of Year Three, 1.4% of the Principal Amount will be paid at the end of Year Four and 1.6% of the Principal Amount will be paid at the end of Year Five. The total guaranteed minimum interest of 6.8% comprises Guaranteed Fixed Interest totaling 6.3% of the Principal Amount plus a minimum Maturity Variable Interest of 0.5% to be paid at maturity. The total guaranteed minimum interest is guaranteed only if the whole Principal Amount is held with the Bank till the relevant Interest Payment Dates and Maturity Date.
2
Only if the whole Principal Amount is held till the Maturity Date.
3
The Maturity Variable Interest Rate shall be calculated as (i) 10Y SGD swap rate minus (ii) 1.25 multiplied by 2Y SGD swap rate (i.e. 10Y SGD Swap Rate – {1.25 x 2Y SGD Swap Rate}) observed on the Observation Date. The minimum Maturity Variable Interest Rate is 0.5% and maximum Maturity Variable Interest Rate is 3% to be paid at maturity.
4
"10Y SGD Swap Rate" is the rate for a Singapore Dollar swap with a maturity of ten years, while the "2Y SGD Swap Rate" is the rate for a Singapore Dollar swap with a maturity of two years, both are expressed in percentage. Please refer to the Indicative Term Sheet for more details.


*For more information on the structure and interest rate for UOB Growth Deposit – Series (12) in USD, please speak to a UOB Personal Banker.

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 Observation Date and relevant Interest Payment Dates). All undefined capitalised terms herein shall have the same 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 Limited ("UOB") branch. 

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: Growth Deposit – Series (12) ("UOB Growth Deposit - Series (12)") is principal guaranteed only if held until the maturity date. The UOB Growth Deposit - Series (12) may not be withdrawn before the maturity date without express consent from UOB. The Tenor of this structured deposit is 5 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 Growth Deposit - Series (12). In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should consider carefully whether UOB Growth Deposit - Series (12) is suitable for you.

Unlike traditional deposits, the UOB Growth Deposit - Series (12) has risk and investment elements, and 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: Growth Deposit – Series (12).

Monitor / View Past Performance

 

Key Benefits:  

UOB Principal Guaranteed Structured Deposit: Growth Deposit – Series (11) ("UOB Growth Deposit – Series (11)") is a 5 years and 11 months structured deposit which pays you guaranteed interests1 and guarantees your principal2 if held to maturity. The total guaranteed minimum interest of 7.5%1 of the Principal Amount payable over the Tenor of 5 years and 11 months is equivalent to an effective interest rate of 1.2661% p.a. assuming that the whole Principal Amount is held till the Maturity Date. 

In addition, you enjoy the opportunity to earn a Maturity Variable Interest3 of up to 3.6% of the Principal Amount that is linked to the product of (i) 1.2 and (ii) the difference of 5Y SGD swap rate4 and 2Y SGD swap rate4. A similar structure is also available in USD*. 

Receive a limited edition Gold-Plated Bar^
Get a limited edition UOB 999 Fine Gold-Plated Bar^ when you invest a minimum of S$80,000 or equivalent in USD# in our UOB Growth Deposit - Series (11) during its Offer Period#
^While stocks last. Terms and conditions apply.
The Gold-Plated Bar is also available when you save in your UOB Passbook Savings or Uniplus Account. Click here to find out more. 

Summary Of Features:
Investment Currency
Singapore Dollars (SGD)
Tenor 5 Years and 11 Months
Offer Period 8 November 2010 to 11 December 2010 
(Subject to changes, please refer to Indicative Term Sheet for more details)
Guaranteed Fixed Interest Payable at the end of:
Year 1
1.15%1 of the Principal Amount
Year 2
1.25%1 of the Principal Amount
Year 3
1.35%1 of the Principal Amount
Year 4
1.45%1 of the Principal Amount
Year 5
1.55%1 of the Principal Amount
Total Guaranteed Minimum Interest 7.5%1 of the Principal Amount
(Being Guaranteed Fixed Interest totaling 6.75% plus minimum Maturity Variable Interest of 0.75%)
Underlying Instrument 5Y SGD swap rate4 and 2Y SGD swap rate4
Observation Date 14 November 2016 
(In the event such date falls on a non-Business Day, it shall be postponed to the immediate following Business Day.)
Maturity Variable Interest The Maturity Variable Interest Rate shall be calculated as the product of (i) 1.2 and (ii) 5Y SGD swap rate minus 2Y SGD swap rate (i.e. 1.2 x {5Y SGD Swap Rate – 2Y SGD Swap Rate}) observed on the Observation Date.

The minimum Maturity Variable Interest Rate is 0.75%1 and maximum Maturity Variable Interest Rate is 3.6%. The Maturity Variable Interest is payable only on the Maturity Date provided the whole Principal Amount is held with the Bank until Maturity.
Minimum Effective Interest Rate 1.2661% per annum 
(Based on total guaranteed minimum interest of 7.5%1 of the Principal Amount payable over the Tenor assuming that the whole of the Principal Amount is held till the Maturity Date.)

1
A Guaranteed Fixed Interest of 1.15% of the Principal Amount will be paid at the end of Year One, 1.25% of the Principal Amount will be paid at the end of Year Two, 1.35% of the Principal Amount will be paid at the end of Year Three, 1.45% of the Principal Amount will be paid at the end of Year Four and 1.55% of the Principal Amount will be paid at the end of Year Five. The total guaranteed minimum interest of 7.5% comprises of Guaranteed Fixed Interest totaling 6.75% of the Principal Amount plus a minimum Maturity Variable Interest of 0.75% to be paid at maturity. The total guaranteed minimum interest is guaranteed only if the whole Principal Amount is held with the Bank till the relevant Interest Payment Dates and Maturity Date.
2
Only if the whole Principal Amount is held till the Maturity Date.
3
The Maturity Variable Interest Rate shall be calculated as the product of (i) 1.2 and (ii) 5Y SGD Swap Rate minus 2Y SGD Swap Rate (i.e. 1.2 x {5Y SGD Swap Rate – 2Y SGD Swap Rate}) observed on the Observation Date. The minimum Maturity Variable Interest Rate is 0.75%1 and maximum Maturity Variable Interest Rate is 3.6% to be paid at maturity.
4
"5Y SGD Swap Rate" is the rate for a Singapore Dollar swap with a maturity of five years, while the "2Y SGD Swap Rate" is the rate for a Singapore Dollar swap with a maturity of two years, both are expressed in percentage. Please refer to the Indicative Term Sheet for more details.

*For more information on the structure and interest rate for UOB Growth Deposit – Series (11) in USD, please speak to a UOB Personal Banker

^While stocks last. Terms and conditions apply. 

#Limited edition UOB 999 Fine Gold-Plated Bar ("Gift") is valid for customers with a minimum investment of S$80,000 or equivalent of S$80,000 in USD (exchange rate will be based on the Bank's prevailing rate of exchange, rounded up to the nearest thousand in USD) in UOB Growth Deposit – Series (11) during its Offer Period between 8 November and 11 December 2010, subject to UOB's assessment of product suitability for the customer. 

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 Observation Date and relevant Interest Payment Dates). All undefined capitalised terms shall have the same 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 Limited ("UOB") branch.

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: Growth Deposit – Series (11) ("UOB Growth Deposit - Series (11)") is principal guaranteed only if held until the maturity date. The UOB Growth Deposit - Series (11) may not be withdrawn before the maturity date without express consent from UOB. The Tenor of this structured deposit is 5 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 Growth 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 Growth Deposit - Series (11) is suitable for you.

Unlike traditional deposits, the UOB Growth 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: Growth Deposit – Series (11).

Monitor / View Past Performance

 

Key Benefits:  

UOB Principal Guaranteed Structured Deposit: Growth Deposit – Series (10) ("UOB Growth Deposit – Series (10)") is a 5 years and 11 months structured deposit which pays you guaranteed interests1 and guarantees your principal2 if held to maturity. The Total guaranteed minimum interest of 7.5%1 of the Principal Amount payable over the Tenor of 5 years and 11 months is equivalent to an effective interest rate of 1.2655% p.a. assuming that the whole Principal Amount is held till the Maturity Date. 

In addition, you enjoy the opportunity to earn a potential Maturity Variable Interest3 of up to 3% of the Principal Amount that is linked to the difference of 5Y SGD swap rate4 and 2Y SGD swap rate4

Summary Of Features:
Investment Currency
Singapore Dollars (SGD)
Investment Currency Singapore Dollars (SGD)
Tenor 5 Years and 11 Months
Offer Period 4 October 2010 to 6 November 2010
(Subject to changes, please refer to Indicative Term Sheet for more details)
Guaranteed Fixed Interest Payable at the end of:
Year 1
1%1 of the Principal Amount
Year 2
1.2%1 of the Principal Amount
Year 3
1.4%1 of the Principal Amount
Year 4
1.6%1 of the Principal Amount
Year 5
1.8%1 of the Principal Amount
Total Guaranteed Minimum Interest 7.5%1 of the Principal Amount
(Being Guaranteed Fixed Interest totaling 7% plus minimum Maturity Variable Interest of 0.5%)
Underlying Instrument 5Y SGD swap rate4 and 2Y SGD swap rate4
Observation Date 10 October 2016 
(In the event such date falls on a non-Business Day, it shall be postponed to the immediate following Business Day.)
Potential Maturity Variable Interest The Potential Maturity Variable Interest Rate shall be calculated as (i) 5Y SGD swap rate minus (ii) 2Y SGD swap rate observed on the Observation Date.

The minimum Maturity Variable Interest Rate is 0.5% and maximum Maturity Variable Interest Rate is 3%. The Maturity Variable Interest is payable only on the Maturity Date provided the whole Principal Amount is held with the Bank until Maturity.
Minimum Effective Interest Rate 1.2655% per annum 
(Based on Total guaranteed minimum interest of 7.5%1 of the Principal Amount payable over the Tenor assuming that the whole of the Principal Amount is held till the Maturity Date.)

1
A Guaranteed Fixed Interest of 1.00% of the Principal Amount will be paid at the end of Year One, 1.20% of the Principal Amount paid at the end of Year Two, 1.40% of the Principal Amount paid at the end of Year Three, 1.60% of the Principal Amount paid at the end of Year Four and 1.80% of the Principal Amount paid at the end of Year Five. The Total guaranteed minimum interest of 7.5% comprises of Guaranteed Fixed Interest totaling 7% of the Principal Amount plus a minimum Maturity Variable Interest of 0.5% to be paid at maturity. The Total guaranteed minimum interest is guaranteed only if the whole Principal Amount is held with the Bank till the relevant Interest Payment Dates and Maturity Date
2
Only if the whole Principal Amount is held till the Maturity Date.
3
The Potential Maturity Variable Interest Rate shall be calculated as (i) 5Y SGD swap rate minus (ii) 2Y SGD swap rate observed on the Observation Date. The minimum Maturity Variable Interest Rate is 0.5% and maximum Maturity Variable Interest Rate is 3% to be paid at maturity.
4
"5Y SGD Swap Rate" is the rate for a Singapore Dollar swap with a maturity of five years, while the "2Y SGD Swap Rate" is the rate for a Singapore Dollar swap with a maturity of two years, both are expressed in percentage. Please refer to the Indicative Term Sheet for more details.


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 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 Limited ("UOB") branch.

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: Growth Deposit – Series (10) ("UOB Growth Deposit - Series (10)") is principal guaranteed only if held until the maturity date. The UOB Growth Deposit - Series (10) may not be withdrawn before the maturity date without express consent from UOB. The Tenor of this structured deposit is 5 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 Growth 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 Growth Deposit - Series (10) is suitable for you.

Unlike traditional deposits, the UOB Growth 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: Growth Deposit – Series (10).

Monitor / View Past Performance

 

Key Benefits:  
 

UOB Principal Guaranteed Structured Deposit: Growth Deposit - Series (9) ("UOB Growth Deposit - Series (9)") is a 5 years and 6 months structured deposit which pays you guaranteed interests1 and guarantees your principal2 if held to maturity. The Guaranteed Minimum Interest totaling 6.5% of the Principal Amount payable over the Tenor of 5 years and 6 months is equivalent to an effective interest rate of 1.1817% p.a. assuming that the whole Principal Amount is held till the Maturity Date. 

In addition, you enjoy the opportunity to earn a potential Maturity Bonus Interest3 of up to 2% of the Principal Amount that is linked to the difference of 5Y SGD swap rate4 and 1Y SGD swap rate4 

Summary Of Features:
Investment Currency
Singapore Dollars (SGD)
Investment Currency Singapore Dollars (SGD)
Tenor 5 Years and 6 Months
Offer Period 30 August 2010 to 2 October 2010
(Subject to changes, please refer to Indicative Term Sheet for more details)
Guaranteed Interest Payable at the end of each of Year 1, Year 2, Year 3, Year 4 & Year 5:
1.2%1 of the Principal Amount

Payable at maturity: 
0.5%1 of the Principal Amount
Guaranteed Minimum Interest Totaling 6.5%1 of the Principal Amount
Underlying Instrument 5Y SGD swap rate4 and 1Y SGD swap rate4
Observation Date 4 April 2016
(In the event such date falls on a non-Business Day, it shall be postponed to the immediate following Business Day.)
Potential Maturity Bonus Interest The potential Maturity Bonus Interest Rate shall be calculated as (i) 5Y SGD swap rate minus (ii) 1Y SGD swap rate observed on the Observation Date.

The minimum Maturity Bonus Interest Rate is 0% and maximum Maturity Bonus Interest Rate is 2%.
Minimum Effective Interest Rate 1.1817% per annum
(Based on the Guaranteed Minimum Interest totaling 6.5% of the Principal Amount payable over the Tenor assuming that the whole of the Principal Amount is held till the Maturity Date.)

1
A Guaranteed Interest of 1.20% of the Principal Amount will be paid at the end of each of Year One, Year Two, Year Three, Year Four and Year Five, and a Guaranteed Interest of 0.50% of the Principal Amount will be paid at maturity. The guaranteed interest is guaranteed only if the whole Principal Amount is held with the Bank till the relevant Interest Payment Dates.
2
Only if the whole Principal Amount is held till the Maturity Date.
3
The potential Maturity Bonus Interest Rate shall be calculated as (i) 5Y SGD swap rate minus (ii) 1Y SGD swap rate observed on the Observation Date. The minimum Maturity Bonus Interest Rate is 0% and maximum Maturity Bonus Interest Rate is 2%.
4
"5Y SGD Swap Rate" is the rate for a Singapore Dollar swap with a maturity of five years, while the "1Y SGD Swap Rate" is the rate for a Singapore Dollar swap with a maturity of one year, both are expressed in percentage. Please refer to the Indicative Term Sheet for more details.


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 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 Limited ("UOB") branch.

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: Growth Deposit – Series (9) ("UOB Growth Deposit – Series (9)") is principal guaranteed only if held until the Maturity Date. The UOB Growth Deposit – Series (9) may not be withdrawn before the Maturity Date without express consent from UOB. The Tenor of this structured deposit is 5 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 Growth 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 Growth Deposit – Series (9) is suitable for you.

Unlike traditional deposits, the UOB Growth 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: Growth Deposit - Series (9).

Monitor / View Past Performance

 

Key Benefits: 
 

UOB Principal Guaranteed Structured Deposit: Growth Deposit – Series (8) ("UOB Growth Deposit – Series (8)") is a 5 years and 6 months structured deposit which pays you guaranteed interests1 and guarantees your principal2 if held to maturity. The Guaranteed Minimum Interest totaling 7.5% of the Principal Amount payable over the Tenor of 5 years and 6 months is equivalent to an effective interest rate of 1.3672% p.a. assuming that the whole of the Principal Amount is held till the Maturity Date. 

In addition, you enjoy the opportunity to earn a potential Maturity Bonus Interest3 of up to 3%, depending on the performance of the underlying instrument4

Summary Of Features:
Investment Currency
Singapore Dollars (SGD)
Tenor 5 Years and 6 Months
Offer Period 26 July 2010 to 28 August 2010
(Subject to changes, please refer to Indicative Term Sheet for more details)
Guaranteed Interest Payable at the end of each of Year 1, Year 2, Year 3, Year 4 & Year 5: 1.5%2 of the Principal Amount
Guaranteed Minimum Interest Totaling 7.5%1 of the Principal Amount
Underlying Instrument 5Y SGD swap rate4 and 2Y SGD swap rate4
Observation Date 29 February 2016
Potential Maturity Bonus Interest The potential Maturity Bonus Interest Rate shall be calculated as (i) 5Y SGD swap rate minus (ii) 2Y SGD swap rate observed on the Observation Date.

The minimum Maturity Bonus Interest Rate is 0% and maximum Maturity Bonus Interest Rate is 3%.
Minimum Effective Interest Rate 1.3672% per annum (Based on the Guaranteed Minimum Interest totaling 7.5%1 of the Principal Amount is payable over the Tenor assuming that the whole of the Principal Amount is held till the Maturity Date.)

1
A Guaranteed Interest of 1.50% of the Principal Amount will be paid at the end of each of Year 1, Year 2, Year 3, Year 4 and Year 5. The Guaranteed Minimum Interest totaling 7.5% of the Principal Amount payable over the Tenor of 5 years and 6 months is equivalent to an effective interest rate of 1.3672% p.a. assuming that the whole Principal Amount is held till the 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
The potential Maturity Bonus Interest Rate shall be calculated as (i) 5Y SGD swap rate minus (ii) 2Y SGD swap rate observed on the Observation Date. The minimum Maturity Bonus Interest Rate is 0% and maximum Maturity Bonus Interest Rate is 3%.
4
Underlying instrument refers to the 5Y SGD Swap Rate and 2Y SGD Swap Rate. The 5Y and 2Y SGD Swap Rates are the rates for a Singapore Dollar swap with a maturity of 5 and 2 years expressed as a percentage respectively. Please refer to the indicative termsheet for more details.
 
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, 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 Limited ("UOB") branch. 

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: Growth Deposit - Series (8) ("UOB Growth Deposit - Series (8)") is principal guaranteed only if held until the Maturity Date. The UOB Growth Deposit - Series (8) may not be withdrawn before the Maturity Date without express consent from UOB. The Tenor of this structured deposit is 5 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 Growth Deposit - Series (8). In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should consider carefully whether UOB Growth Deposit - Series (8) is suitable for you.

Unlike traditional deposits, the UOB Growth Deposit - Series (8) 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: Growth Deposit - Series (8).

Monitor / View Past Performance

 

UOB Principal Guaranteed Structured Deposit: Growth Deposit – Series (7) ("UOB Growth Deposit - Series (7)") 

Key Benefits:
  100% Principal Guaranteed1 by UOB
  5.1% Guaranteed Minimum Interest2
  Up to 4.5% Potential Bonus Interest3
UOB Principal Guaranteed Structured Deposit: Growth Deposit – Series (7) ("UOB Growth Deposit – Series (7)") is a 4 years and 11 months structured deposit which pays you guaranteed interests2 and guarantees your principal1 if held to maturity. The Guaranteed Minimum Interest of 5.1% of the Principal Amount payable over the Tenor of 4 years and 11 months is equivalent to an effective interest rate of 1.0481% p.a. assuming that the whole of the Principal Amount is held till the Maturity Date.

In addition, you enjoy the opportunity to earn a potential Maturity Bonus Interest3 that is linked to the performance of a basket of 4 Singapore REIT and Property Shares4. The potential Maturity Bonus Interest (if any) will depend on the performance of the Underlying Basket on the 5 Observation Dates. The minimum Maturity Bonus Interest Rate is 0% and the maximum Maturity Bonus Interest Rate is 4.5% over the Tenor. 


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 Period 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 Limited("UOB") branch. 
1 Only if the whole Principal Amount is held until the Maturity Date.
2 A Guaranteed Interest of 2.50% of the Principal Amount will be paid at the end of Month 3 and a Guaranteed Interest of 0.65% of the Principal Amount will be paid at the end of each of Year 2, Year 3, Year 4 and at maturity. The guaranteed interests are guaranteed only if the whole Principal Amount is held with the Bank until the relevant Interest Payment Dates.
3 The potential Maturity Bonus Interest Rate shall be calculated as (i) 0.90% multiplied by (ii) N, where N is the number of Observation Dates out of 5 Observation Dates that the Payment Condition is met. Payment Condition is deemed to be met if ALL Shares close at or above 95% of its Initial Price on such Observation Date.
4 4 Singapore REIT and Property Shares - CapitaLand Limited, City Developments Limited, Ascendas Real Estate Investment Trust and CapitaMall Trust.


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: Growth Deposit – Series (7) ("UOB Growth Deposit – Series (7)") is principal guaranteed only if held until the maturity date. The UOB Growth 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 Growth 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 Growth Deposit – Series (7) is suitable for you.

Unlike traditional deposits, the UOB Growth Deposit – Series (7) 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: Growth Deposit – Series (7).

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UOB Principal Guaranteed Structured Deposit: Growth Deposit – Series (6) ("UOB Growth Deposit - Series (6)") 

Key Benefits: 
  100% Principal Guaranteed1 by UOB
  5.7% Guaranteed Minimum Interest2
  Up to 6.7% Potential Bonus Interest3

UOB Principal Guaranteed Structured Deposit: Growth Deposit – Series (6) ("UOB Growth Deposit – Series (6)") is a 4 years and 11 months structured deposit which pays you guaranteed interests2 and guarantees your principal1 if held to maturity. The Guaranteed Minimum Interest of 5.7% of the Principal Amount payable over the Tenor of 4 years and 11 months is equivalent to an effective interest rate of 1.1713% p.a. assuming that the whole of the Principal Amount is held till the Maturity Date.

In addition, you enjoy the opportunity to earn potential Bonus Interests3 that are linked to the performance of a basket of 5 Singapore Shares4. Once any of the Shares4 closes at or above 118% of its Initial Price on any day within a yearly observation period, it will be "memorised" for the rest of the same yearly observation period. The potential Bonus Interest for a year will be paid as long as every Share4 closes at or above 118% of its Initial Price at least once during the same yearly observation period. This memory feature increases the chance of receiving the yearly Bonus Interest as compared to a situation where all the Shares4 have to close at or above 118% of their Initial Prices on the same day for the Bonus Interest to be paid. 


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 Period 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 Limited("UOB") branch. 
1 Only if the whole Principal Amount is held until the Maturity Date.
2 A Guaranteed Minimum Interest of 2.50% of the Principal Amount will be paid at the end of Month 3 and a Guaranteed Minimum Interest of 0.80% of the Principal Amount will be paid at the end of each of Year 2, Year 3, Year 4 and at maturity. The guaranteed interests are guaranteed only if the whole Principal Amount is held with the Bank until the relevant Interest Payment Dates.
3 A Potential Bonus Interest of 1.50% of the Principal Amount will be paid at the end of each of Year 1, Year 2, Year 3 and Year 4 and a Potential Bonus Interest of 0.70% of the Principal Amount will be paid at maturity if at the end of each year, all the Shares4 close at or above 118% of their respective Initial Prices at least once during that year.
4 5 Singapore Shares - DBS Group Holdings Limited, Keppel Corporation Limited, Singapore Telecommunications Limited, Singapore Exchange Limited and CapitaLand Limited.



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: Growth Deposit – Series (6) ("UOB Growth Deposit – Series (6)") is principal guaranteed only if held until the maturity date. The UOB Growth Deposit – Series (6) 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 Growth Deposit – Series (6). In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should consider carefully whether UOB Growth Deposit – Series (6) is suitable for you.

Unlike traditional deposits, the UOB Growth Deposit – Series (6) 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: Growth Deposit – Series (6)

Monitor / View Past Performance

UOB Principal Guaranteed Structured Deposit: Growth Deposit – Series (5) ("UOB Growth Deposit – Series (5)") is a 4 years and 11 months structured deposit which pays you guaranteed interests1and 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 3 Singapore Shares3.

Key Benefits: 
  • Receive guaranteed interest payments1 totaling 6% of Principal Amount if held to the respective Interest Payment Dates: 
    At the end of
    Guaranteed Interest Rate
    Month 3
    3.00%*
    Year 2
    1.00%*
    Year 3
    1.00%*
    Year 4
    1.00%*

    *Rates shown are as a percentage of the Principal Amount 

    Potential Maturity Bonus Interest of up to 9% 
    Receive a potential Maturity Bonus Interest of up to 9% of Principal Amount, which is linked to the performance of a basket of three Singapore Shares3. The Maturity Bonus Interest Rate shall be the product of (i) 0.60% multiplied by (ii) the aggregate sum of all Multipliers determined on each Observation Date over the Tenor. On each Observation Date, the Multiplier equals to:

    3 if the Closing Price of the Worst Performing Share on such day equals to or exceeds 120% of its Initial Price, OR 2 if the Closing Price of the Worst Performing Share on such day equals to or exceeds 110% of its Initial Price but is below 120% of its Initial Price, OR 1 if the Closing Price of the Worst Performing Share on such day equals to or exceeds 100% of its Initial Price but is below 110% of its Initial Price, OR

    0 if otherwise. Hence, the Maturity Bonus Interest (if any) will depend on the performance of the Underlying Basket on the 5 Observation Dates. The minimum Maturity Bonus Interest Rate is 0% and the maximum Maturity Bonus Interest Rate is 9% over the Tenor. 

    The total minimum interest of 6% (being total Guaranteed Interests of 6%) of the Principal Amount payable over the Tenor is equivalent to an effective interest rate of 1.23958% p.a. assuming that the whole of the Principal Amount is held till Maturity Date.

    Principal Guaranteed2 
     
  • 100% of your Principal Amount is guaranteed2 by United Overseas Bank Limited ("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 Limited("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% 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 3 Singapore Shares- Keppel Corporation, Singapore Telecommunications Limited and Singapore Airlines Ltd.

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: Growth Deposit – Series (5) ("UOB Growth Deposit – Series (5)") is principal guaranteed only if held until the maturity date. The UOB Growth Deposit – Series (5) 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 Growth Deposit – Series (5). In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should consider carefully whether UOB Growth Deposit – Series (5) is suitable for you.

Unlike traditional deposits, the UOB Growth Deposit – Series (5) 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: Growth Deposit – Series (5)

Monitor / View Past Performance

UOB Principal Guaranteed Structured Deposit: Growth Deposit – Series (3) ("UOB Growth Deposit – Series (3)") is a 4 years and 11 months structured deposit which pays you guaranteed interests1and 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 3 Singapore Shares3.
Key Benefits:
  • Receive guaranteed interest payments1 totaling 6% of Principal Amount if held to the respective Interest Payment Dates: 
    At the end of
    Guaranteed Interest Rate
    Month 3
    3.00%*
    Year 2
    1.00%*
    Year 3
    1.00%*
    Year 4
    1.00%*

    *Rates shown are as a percentage of the Principal Amount 

    Maturity Bonus Interest of up to 5% 
    Receive a Maturity Bonus Interest of up to 5% of Principal Amount, which is linked to the performance of 3 Singapore Shares3. On each of the 5 Observation Dates, the Bonus Interest Rate for that Observation Date shall be:

    1% of the Principal Amount if the Closing Price of the Worst Performing Share equals to or exceeds 115% of its Initial Price, OR 0.75% of the Principal Amount if the Closing Price of the Worst Performing Share is below 115% of its Initial Price but equals to or exceeds 100% of its Initial Price, OR 0.1% of the Principal Amount if otherwise. Maturity Bonus Interest Rate shall be the aggregate sum of all Bonus Interest Rates observed over the Tenor. Hence, the Maturity Bonus Interest will depend on the performance of the Underlying Basket on the 5 Observation Dates. The minimum Maturity Bonus Interest Rate is 0.5% and the maximum Maturity Bonus Interest Rate is 5% over the Tenor.

    The total minimum interest of 6.5% (being total Guaranteed Interests of 6.0% plus a minimum Maturity Bonus Interest of 0.5%) of the Principal Amount payable over the Tenor is equivalent to an effective interest rate of 1.3410% p.a. assuming that the whole of the Principal Amount is held till Maturity Date.

    Principal Guaranteed2 
     
  • 100% of your Principal Amount is guaranteed2 by United Overseas Bank Ltd ("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 Month 3 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 3 Singapore Shares- CapitaLand Limited, DBS Group Holdings Limited, and Singapore Exchange Limited.


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: Growth Deposit – Series (3) ("UOB Growth Deposit – Series (3)") is principal guaranteed only if held until the maturity date. The UOB Growth Deposit – Series (3) 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 Growth Deposit – Series (3). In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should consider carefully whether UOB Growth Deposit – Series (3) is suitable for you.

Unlike traditional deposits, the UOB Growth Deposit – Series (3) 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: Growth Deposit – Series (3)

Monitor / View Past Performance

UOB Principal Guaranteed Structured Deposit: Growth Deposit - Series (2) ("UOB Growth Deposit Series (2)") is a 4 years and 11 months structured deposit which pays you guaranteed interests1and 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 5 Singapore Blue Chip Shares3.
Key Benefits: 
  • Receive guaranteed interest payments1 totaling 6.62% of Principal Amount if held until the relevant Interest Payment Dates. 
    At the end of
    Guaranteed Interest Rate
    Month 3
    3.08%*
    Year 2
    1.18%*
    Year 3
    1.18%*
    Year 4
    1.18%*

    *Rates shown are as a percentage of the Principal Amount 

    Potential Maturity Bonus Interest of up to 1.2% 
    Receive Potential Yearly Bonus Interest of up to 1.2% of the Principal Amount, which is linked to the performance of 5 Singapore Blue Chip Shares3. On each annual Observation Date, the investor will be entitled to receive a Yearly Bonus Interest of up to 1.2% if any of the 3 Conditions is fulfilled. The Yearly Bonus (if any)Interest is payable on the relevant Interest Payment Date.

    Condition A: On annual Observation Date, the Closing Prices of ALL Shares are at or above 115% of their respective Initial Prices; OR Condition B: On annual Observation Date, the Closing Prices of any 3 Shares are at or above 125% of their respective Initial Prices; OR Condition C: On annual Observation Date, the Closing Prices of any 2 Shares are at or above 135% of their respective Initial Prices. No Yearly Bonus Interest will be paid if any of the above conditions are not met. 

    The total minimum interest of 6.62% (being total Guaranteed Interests) of the Principal Amount payable over the tenor is equivalent to a minimum effective interest rate of 1.3660% p.a. assuming that the whole of the Principal Amount is held till Maturity Date.

    Principal Guaranteed2
  • 100% of your Principal Amount is guaranteed2 by United Overseas Bank Ltd ("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 3.08% of the Principal Amount will be paid at the end of Month 3 and a Guaranteed Interest of 1.18% 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 5 Singapore Blue Chip Shares- CapitaLand Limited, DBS Group Holdings Limited, Keppel Corporation Limited, Oversea-Chinese Banking Corporation Limited and Singapore Exchange Limited.


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: Growth Deposit – Series (2) ("UOB Growth Deposit – Series (2)") is principal guaranteed only if held until the maturity date. The UOB Growth Deposit – Series (2) 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 Growth Deposit – Series (2). In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should consider carefully whether UOB Growth Deposit – Series (2) is suitable for you.

Unlike traditional deposits, the UOB Growth Deposit – Series (2) 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: Growth Deposit – Series (2)

Monitor / View Past Performance

UOB Principal Guaranteed Structured Deposit: Growth Deposit - Series (1) ("UOB Growth Deposit Series (1)") is a 4 years and 11 months structured deposit which pays you guaranteed interest1and 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 the Underlying Share - iShares FTSE/Xinhua A50 China Index ETF.
Key Benefits:
  • Receive guaranteed interest payments1 totaling 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 

    Potential Maturity Bonus Interest of up to 5% 
    The Maturity Bonus Interest will depend on the performance of the Underlying Share3 on the 5 annual Observation Dates.

    1% of the Principal Amount is added to the Maturity Bonus Interest if the Closing Price of the Underlying Share3 equals to or exceeds 130% of its Initial Price on an annual Observation Date4.

    0.25% of the Principal Amount is added to the Maturity Bonus Interest, if the Closing Price of the Underlying Share3 equals to or exceeds 120% of its Initial Price but is below 130% of its Initial Price, on an annual Observation Date4.

    No Maturity Bonus Interest will be paid on the Maturity Date if the above conditions are not met.

    The total minimum interest of 6.6% (being total Guaranteed Interests) of the Principal Amount payable over the tenor is equivalent to a minimum effective interest rate of 1.3642% 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 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 Share - iShares FTSE/Xinhua A50 China Index ETF
4 The Maturity Bonus Interest (if any) is payable only on the Maturity Date provided 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: Growth Deposit – Series (1) ("UOB Growth Deposit – Series (1)") is principal guaranteed only if held until the maturity date. The UOB Growth Deposit – Series (1) 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 Growth Deposit – Series (1). In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should consider carefully whether UOB Growth Deposit – Series (1) is suitable for you.

Unlike traditional deposits, the UOB Growth Deposit – Series (1) 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: Growth Deposit – Series (1)

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.