Ruby Deposit Series

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Monitor / View Past Performance

Please note that the application for the UOB Ruby Deposit - Series (14) closed on 26 January 2017. A snapshot of the account is appended below.

Features of UOB Ruby Deposit - Series (14)*

  • USD denominated structured deposit
  • 100% of principal guaranteed if UOB Ruby Deposit - Series (14) is held until maturity
  • Guaranteed interest of 1.7% of principal per year for the first 4 years if the structured deposit is held until the respective Interest Payment Dates^.
  • Potential Maturity Bonus Interest linked to the basket performance of 5 Singapore blue chip Shares
  • If the Final Price of each of the shares in the basket equals to or exceeds 100% of its Initial Price, Maturity Bonus Interest will be 3.0% of the Principal Amount. Otherwise, Maturity Bonus Interest will be 0.8% of the Principal Amount^.
  • Tenor: 5 years



Notes:
Minimum placement amount for Ruby Deposit - Series (14) is USD 100,000.

*Product terms and conditions apply. Please refer to the respective term sheet for more details. All undefined capitalized terms are defined in the term sheets.

^ The minimum interest of 7.6% (being total Guaranteed Interests of 6.8% plus the minimum Maturity Bonus Interest of 0.8%) of the Principal Amount is equivalent to an effective interest rate of 1.52454% per annum if this Structured Deposit is held until maturity

Important Notice and Disclaimers:
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: Ruby Deposit - Series (14) ("UOB Ruby Deposit - Series (14)") 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 The UOB Ruby Deposit - Series (14) may not be withdrawn before the Maturity Date without consent from UOB. The Tenor of this structured deposit is 5 years. 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 Ruby Deposit - Series (14). In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should carefully consider whether UOB Ruby Deposit - Series (14) 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 (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.

Monitor / View Past Performance

Please note that the application for the UOB Ruby Deposit - Series (2) closed on 18 August 2009. A snapshot of the account is appended below.

Features of UOB Ruby Deposit - Series (2)*

  • 100% of principal guaranteed if UOB Ruby Deposit - Series (2) is held until maturity
  • Guaranteed interest of 2.8% of principal for the first year and 1.8% of principal at the end of each of the subsequent 6 years if the structured deposit is held until the respective Interest Payment Dates^.
  • Potential Maturity Bonus Interest linked to the basket performance of 2 Singapore blue chip Shares
    • If the Final Level of the Underlying Basket equals to or exceeds 130% of its Initial Level, Maturity Bonus Interest will be 4.5% of the Principal Amount.
    • If the Final Level of the Underlying Basket equals to or exceeds 115% of its Initial Level but is below 130% of its Initial Level, Maturity Bonus Interest will be 3.0% of the Principal Amount.
    • If the Final Level of the Underlying Basket is below 115% of its Initial Level, Maturity Bonus Interest will be 0.2% of the Principal Amount^.
  • Tenor: 8 years



Notes:
Minimum placement amount for Ruby Deposit - Series (2) is SGD 50,000.

*Product terms and conditions apply. Please refer to the respective term sheet for more details. All undefined capitalized terms are defined in the term sheets.

^ The minimum interest of 13.8% (being total Guaranteed Interests of 13.6% plus the minimum Maturity Bonus Interest of 0.2%) of the Principal Amount is equivalent to an effective interest rate of 1.7434% per annum if this Structured Deposit is held until maturity

Important Notice and Disclaimers:
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: Ruby Deposit - Series (2) ("UOB Ruby 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 Ruby Deposit - Series (2) may not be withdrawn before the Maturity Date without consent from UOB. The Tenor of this structured deposit is 8 years. 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 Ruby 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 Ruby Deposit - Series (2) 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 (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.

Monitor / View Past Performance

Please note that the application for the UOB Ruby Deposit - Series (1) closed on 30 April 2009. A snapshot of the account is appended below. 

Features of UOB Ruby Deposit - Series (1)*

  • 100% of principal guaranteed if UOB Ruby Deposit - Series (1) is held until maturity
  • Guaranteed interest of 0.5% of principal at the end of each year ^ if the deposit is held until the respective Interest Payment Dates
  • Potential Maturity Bonus Interest linked to the performance of the Underlying Basket of 5 Singapore Shares:
    • If Trigger Event has not occurred, Average Return of the Underlying Basket of Shares is used to calculate the Maturity Bonus Interest.
    • If Trigger Event has occurred, Maturity Bonus Interest will be 4% of the Principal Amount.
  • Tenor: 3 years



Notes:
Minimum placement amount for Ruby Deposit - Series (1) is SGD 50,000.

*Product terms and conditions apply. Please refer to the respective term sheet for more details. All undefined capitalized terms are defined in the term sheets.
^If no other Interest is paid until maturity, the minimum effective interest rate is 0.49955% p.a.

Important Notice and Disclaimers:
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: Ruby Deposit - Series (1) ("UOB Ruby 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 Ruby Deposit - Series (1) may not be withdrawn before the Maturity Date without consent from UOB. The Tenor of this structured deposit is 3 years. 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 Ruby 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 Ruby Deposit - Series (1) 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 (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.

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.