UOB Structured Deposit 2012

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See your savings grow starting with as little as S$5,000*

UOB Structured Deposit 2012 - Series (6) is a 5-year and 11-month investment which pays you guaranteed fixed interest* and guarantees your principal* if the whole principal amount is held to maturity.

Without the worry of losing a single cent of your hard earned money, you receive:
Total Guaranteed Minimum Interest of 6.0% Total Guaranteed Minimum Interest of 6.0% 
of the Principal Amount over 5 years and 11 months (equivalent to an effective interest rate of 1.0173% a year)
100% Principal Amount guaranteed 100% Principal Amount guaranteed
when held to maturity
Potential Maturity Variable Interest Potential Bonus Interest 
of up to 5.8% linked to 5 Singapore Company Shares*
A similar structure is also available in USD*.



How does it work?
Assuming an investment amount of S$10,000, held till maturity:
 
Best Case Scenario (Maximum Interest Potential)
 
End of Year
Guaranteed Fixed Interest Rate on Principal Amount
Potential Bonus Interest Rate on Principal Amount
Total Interest Payable

1

2.00%

0%

2.00%

2

0.80%

0.50%

1.30%

3

0.80%

0.70%

1.50%

4

0.80%

1.10%

1.90%

5

0.80%

1.50%

2.30%

At maturity

0%

2.00%

2.00%

Total interest payout

5.20%

5.80%

11.00%

Principal + Interest payout

S$10,000 + S$520 + S$580 = S$11,100


 
Worst Case Scenario (Minimum Interest Payable)
 
End of Year
Guaranteed Fixed Interest Rate on Principal Amount
Potential Bonus Interest Rate on Principal Amount
Total Interest Payable

1

2.00%

0%

2.00%

2

0.80%

0%

0.80%

3

0.80%

0%

0.80%

4

0.80%

0%

0.80%

5

0.80%

0%

0.80%

At maturity

0%

0.80%

0.80%

Total interest payout

5.20%

0.80%

6.00%

Principal + Interest payout

S$10,000 + S$520 + S$80 = S$10,600


At a Glance:
Investment Currency
Singapore Dollars (SGD)
Tenor 5 Years and 11 Months
Offer Period 21 May 2012 to 23 June 2012^
Guaranteed Fixed Interest Payable at the end of:
End of Year
% of the Principal Amount
1
2.00%
2
0.80%
3
0.80%
4
0.80%
5
0.80%
Total Guaranteed Fixed Interest = 5.20%
Potential Bonus Interest Rate Minimum at 0.8% of the Principal Amount and maximum at 5.8% of the Principal Amount*
Total Guaranteed Minimum Interest 6%* of the Principal Amount
Minimum Effective Interest Rate 1.0173% per annum
(Based on total guaranteed minimum interest of 6%* of the Principal Amount.)
Underlying Basket CapitaLand Limited ("CAPL")
DBS Group Holdings Limited ("DBS")
Keppel Corporation Limited ("KEP")
Singapore Airlines Limited ("SIA")
Singapore Telecommunications Limited ("ST")
^Subject to changes, please refer to Indicative Term Sheet for full details.

*Note: 
Product terms and conditions apply. Please refer to the Indicative Term Sheet for more details. A copy of the Indicative Term Sheet is available at the point of sale or at any United Overseas Bank Limited ("UOB") branch. For more information on the structure and interest rate for UOB Structured Deposit 2012 - Series (6) in USD, please speak to a UOB Personal Banker. 

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 2012 – Series (6) ("UOB Structured Deposit 2012 - Series (6)") is principal guaranteed only if held until the maturity date. Investing in a structured deposit entails certain risks, including potential loss of the principal sum invested if the investment is not held to maturity. Please refer to the Indicative Term Sheet for full product details. You may wish to seek advice from a licensed or an exempt financial adviser before making a commitment to purchase UOB Structured Deposit 2012 - 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 Structured Deposit 2012 - Series (6) is suitable for you. 

Structured deposits are not fixed deposits. Unlike traditional deposits, the UOB Structured Deposit 2012 - Series (6)has risk and investment elements, and is not an insured deposit within the meaning of the Deposit Insurance and Policy Owners' Protection Schemes Act 2011 of Singapore. 

United Overseas Bank Limited is the structured deposit taking institution for UOB Structured Deposit 2011 - Series (6).

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See your savings grow starting with as little as S$5,000*

UOB Structured Deposit 2012 - Series (5)* is a 5-year and 11-month investment which pays you guaranteed fixed interest and guarantees your principal if the whole principal amount is held to maturity.

Without the worry of losing a single cent of your hard earned money, you receive:
Total Guaranteed Fixed Interest of 5.08% Total Guaranteed Fixed Interest of 5.08% 
of the Principal Amount over 5 years and 11 months (equivalent to an effective interest rate of 0.8638% a year)
100% Principal Amount guaranteed 100% Principal Amount guaranteed 
when held to maturity
Potential Maturity Variable Interest Potential Maturity Variable Interest 
of up to 4% linked to 5 Singapore Company Shares*
A similar structure is also available in USD*.


How does it work?
Assuming an investment amount of S$10,000, held till maturity:
 
Best Case Scenario
(Maximum Interest Potential)
Worst Case Scenario
(Minimum Interest Payable)
End of Year
Interest Rate on Principal Amount
Interest Payable
Interest Rate on Principal Amount
Interest Payable

1

1.88%

S$188

1.88%

S$188

2

0.80%

S$80

0.80%

S$80

3

0.80%

S$80

0.80%

S$80

4

0.80%

S$80

0.80%

S$80

5

0.80%

S$80

0.80%

S$80

At maturity

4.00%

S$400

0%

S$0

Total interest payout

9.08%

S$908

5.08%

S$508

Principal + Interest payout

109.08%

S$10,908

105.08%

S$10,508



At a Glance:
Investment Currency
Singapore Dollars (SGD)
Tenor 5 Years and 11 Months
Offer Period 16 April 2012 to 19 May 2012^
Guaranteed Fixed Interest Payable at the end of:
End of Year
% of the Principal Amount
1
1.88%
2
0.80%
3
0.80%
4
0.80%
5
0.80%
Total Guaranteed Fixed Interest 5.08%* of the Principal Amount
Maturity Variable Interest Minimum at 0% of the Principal Amount and maximum at 4% of the Principal Amount*
Minimum Effective Interest Rate 0.8638% per annum 
(Based on total guaranteed minimum interest of 5.08%* of the Principal Amount.)
Underlying Basket CapitaLand Limited ("CAPL")
DBS Group Holdings Limited ("DBS")
Keppel Land Limited ("KPLD")
SembCorp Marine Limited ("SMM")
Singapore Telecommunications Limited ("ST")
 
^Subject to changes, please refer to Indicative Term Sheet for full details.

*Note: 
Product terms and conditions apply. Please refer to the Indicative Term Sheet for more details. A copy of the Indicative Term Sheet is available at the point of sale or at any United Overseas Bank Limited ("UOB") branch. For more information on the structure and interest rate for UOB Structured Deposit 2012 - Series (5) in USD, please speak to a UOB Personal Banker.

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 2012 – Series (5) ("UOB Structured Deposit 2012 - Series (5)") is principal guaranteed only if held until the maturity date. Investing in a structured deposit entails certain risks, including potential loss of the principal sum invested if the investment is not held to maturity. Please refer to the Indicative Term Sheet for full product details. You may wish to seek advice from a licensed or an exempt financial adviser before making a commitment to purchase UOB Structured Deposit 2012 - 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 Structured Deposit 2012 - Series (5) is suitable for you. 

Structured deposits are not fixed deposits. Unlike traditional deposits, the UOB Structured Deposit 2012 - Series (5)has risk and investment elements, and is not an insured deposit within the meaning of the Deposit Insurance and Policy Owners' Protection Schemes Act 2011 of Singapore. 

United Overseas Bank Limited is the structured deposit taking institution for UOB Structured Deposit 2012 - Series (5).

Monitor / View Past Performance

 

You want to see your savings grow. Yet, you do not want to risk losing a single cent of your hard earned money. UOB Structured Deposit 2012 - Series (3)* has what you want and more. With as little as S$5,000 and holding the Principal Amount until maturity, you receive:

Get 100% Principal Amount back
Total Guaranteed Fixed Interest of 5.6% of the Principal Amount over 5 years and 11 months (equivalent to an effective interest rate of 0.9575% a year)
Guaranteed fixed interest
 

100% Principal Amount guaranteed when held to maturity
Earn Potential Bonus
Potential Maturity Variable Interest of up to 4% linked to 4 Singapore Company Shares*


How does it work?
Assuming an investment amount of S$10,000, held till maturity:
 
Best Case Scenario
(Maximum Interest Potential)
Worst Case Scenario
(Minimum Interest Payable)
End of Year
Interest Rate on Principal Amount
Interest Payable
Interest Rate on Principal Amount
Interest Payable

1

2.88%

S$288

2.88%

S$288

2

0.68%

S$68

0.68%

S$68

3

0.68%

S$68

0.68%

S$68

4

0.68%

S$68

0.68%

S$68

5

0.68%

S$68

0.68%

S$68

At maturity

4.00%

S$400

0%

S$0

Total interest payout

9.60%

S$960

5.60%

S$560

Principal + Interest payout

109.60%

S$10,960

105.60%

S$10,560



At a Glance:
Investment Currency
Singapore Dollars (SGD)
Tenor 5 Years and 11 Months^
Offer Period 12 March 2012 to 14 April 2012^
Guaranteed Fixed Interest Payable at the end of:
End of Year
% of the Principal Amount
1
2.88%
2
0.68%
3
0.68%
4
0.68%
5
0.68%
Total Guaranteed Fixed Interest 5.60%* of the Principal Amount
Maturity Variable Interest Minimum at 0% of the Principal Amount and maximum at 4% of the Principal Amount*
Minimum Effective Interest Rate 0.9575% per annum 
(Based on total guaranteed minimum interest of 5.6%* of the Principal Amount.)
Underlying Basket CapitaLand Limited ("CAPL")
Keppel Corporation Limited ("KEP")
Noble Group Limited ("NOBL")
Oversea-Chinese Banking Corporation Limited ("OCBC")
^Subject to changes, please refer to Indicative Term Sheet for full details.

*Note: 
Product terms and conditions apply. Please refer to the Indicative Term Sheet for more details. A copy of the Indicative Term Sheet is available at the point of sale or at any United Overseas Bank Limited ("UOB") branch. For more information on the structure and interest rate for UOB Structured Deposit 2012 - Series (3) in USD, please speak to a UOB Personal Banker.

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 2012 – Series (3) ("UOB Structured Deposit 2012 - Series (3)") is principal guaranteed only if held until the maturity date. Investing in a structured deposit entails certain risks, including potential loss of the principal sum invested if the investment is not held to maturity. Please refer to the Indicative Term Sheet for full product details. You may wish to seek advice from a licensed or an exempt financial adviser before making a commitment to purchase UOB Structured Deposit 2012 - 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 Structured Deposit 2012 - Series (3) is suitable for you. 

Structured deposits are not fixed deposits. Unlike traditional deposits, the UOB Structured Deposit 2012 - Series (3)has risk and investment elements, and is not an insured deposit within the meaning of the Deposit Insurance and Policy Owners' Protection Schemes Act 2011 of Singapore. 

United Overseas Bank Limited is the structured deposit taking institution for UOB Structured Deposit 2011 - Series (3).

Monitor / View Past Performance

You want to see your savings grow. Yet, you do not want to risk losing a single cent of your hard earned money. UOB Structured Deposit 2012 - Series (2)* has what you want and more. By just starting with as little as S$5,000 and holding the Principal Amount until maturity, you can:

Get 100% Principal Amount back
Receive yearly payout totaling 4.52% of the Principal Amount over 5 years and 11 months (equivalent to an effective interest rate of 0.7683% a year)
Guaranteed fixed interest
 

Get 100% of your Principal Amount guaranteed when held to maturity
Earn Potential Bonus
Earn Maturity Variable Interest of up to 3.5% linked to Gold and Silver*
A similar structure is also available in USD*.


How does it work?
Assuming an investment amount of S$10,000, held till maturity:
 
Best Case Scenario
(Maximum Interest Potential)
Worst Case Scenario
(Minimum Interest Payable)
End of Year
Interest Rate on Principal Amount
Interest Payable
Interest Rate on Principal Amount
Interest Payable

1

1.80%

S$180

1.80%

S$180

2

0.68%

S$68

0.68%

S$68

3

0.68%

S$68

0.68%

S$68

4

0.68%

S$68

0.68%

S$68

5

0.68%

S$68

0.68%

S$68

At maturity

3.50%

S$350

0%

S$0

Total interest payout

8.02%

S$802

4.52%

S$452

Principal + Interest payout

108.02%

S$10,802

104.52%

S$10,452



At a Glance:
Investment Currency
Singapore Dollars (SGD)
Tenor 5 Years and 11 Months^
Offer Period 6 February 2012 to 10 March 2012^
Guaranteed Fixed Interest Payable at the end of:
End of Year
% of the Principal Amount
1
1.80%
2
0.68%
3
0.68%
4
0.68%
5
0.68%
Total Guaranteed Fixed Interest 4.52%* of the Principal Amount
Maturity Variable Interest Minimum at 0% of the Principal Amount and maximum at 3.5% of the Principal Amount*
Minimum Effective Interest Rate 0.7683% per annum 
(Based on total guaranteed minimum interest of 4.52%* of the Principal Amount.)
Underlying Basket Gold (London Gold Market Fixings Ltd PM Fix Price) 
Silver (London Silver Market Fixings Ltd PM Fix Price)
 
^Subject to changes, please refer to Indicative Term Sheet for full details. 

*Note: 
Product terms and conditions apply. Please refer to the Indicative Term Sheet for more details. A copy of the Indicative Term Sheet is available at the point of sale or at any United Overseas Bank Limited ("UOB") branch. For more information on the structure and interest rate for UOB Structured Deposit 2012 - Series (2) in USD, please speak to a UOB Personal Banker. 

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 2012 – Series (2) ("UOB Structured Deposit 2012 - Series (2)") is principal guaranteed only if held until the maturity date. Investing in a structured deposit entails certain risks, including potential loss of the principal sum invested if the investment is not held to maturity. Please refer to the Indicative Term Sheet for full product details. You may wish to seek advice from a licensed or an exempt financial adviser before making a commitment to purchase UOB Structured Deposit 2012 - 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 Structured Deposit 2012 - Series (2) is suitable for you. 

Structured deposits are not fixed deposits. Unlike traditional deposits, the UOB Structured Deposit 2012 - Series (2) has risk and investment elements, and is not an insured deposit within the meaning of the Deposit Insurance and Policy Owners' Protection Schemes Act 2011 of Singapore. 

United Overseas Bank Limited is the structured deposit taking institution for UOB Structured Deposit 2011 - Series (2).

Monitor / View Past Performance

 

You want to see your savings grow. Yet, you do not want to risk losing a single cent of your hard earned money. UOB Structured Deposit 2012 - Series (1)* has what you want and more. By just starting with as little as S$5,000 and holding the Principal Amount until maturity, you can:

Get 100% Principal Amount back
Receive yearly payout plus minimum Maturity Variable Interest totaling 6.18% of the Principal Amount over 5 years and 11 months (equivalent to an effective interest rate of 1.0512% a year)
Guaranteed fixed interest
 

Get 100% of your Principal Amount back on maturity
Earn Potential Bonus
Earn Maturity Variable Interest of up to 6% linked to 5 Singapore Shares*
A similar structure is also available in USD*.



How does it work?
Assuming an investment amount of S$10,000, held till maturity:
 
Best Case Scenario
(Maximum Interest Potential)
Worst Case Scenario
(Minimum Interest Payable)
End of Year
Interest Rate on Principal Amount
Interest Payable
Interest Rate on Principal Amount
Interest Payable

1

2.08%

S$208

2.08%

S$208

2

1.00%

S$100

1.00%

S$100

3

1.00%

S$100

1.00%

S$100

4

1.00%

S$100

1.00%

S$100

5

1.00%

S$100

1.00%

S$100

Maturity Variable Interest

6.00%

S$600

0.1%

S$10

Total interest payout

12.08%

S$1,208

6.18%

S$618

Principal + Interest payout

112.08%

S$11,208

106.18%

S$10,618



At a Glance:
Investment Currency
Singapore Dollars (SGD)
Tenor 5 Years and 11 Months^
Offer Period 3 January 2012 to 4 February 2012^
Guaranteed Fixed Interest Payable at the end of:
End of Year
% of the Principal Amount
1
2.08%
2
1.00%
3
1.00%
4
1.00%
5
1.00%
Total Guaranteed Fixed Interest Rate = 6.08%
Maturity Variable Interest Minimum at 0.1% of the Principal Amount and maximum at 6% of the Principal Amount*
Total Guaranteed Minimum Interest 6.18%* of the Principal Amount
Minimum Effective Interest Rate 1.0512% per annum
(Based on total guaranteed minimum interest of 6.18%* of the Principal Amount.)
Underlying Basket Singapore Telecommunications Limited ("ST")
DBS Group Holdings Limited ("DBS")
SembCorp Marine Limited ("SMM")
CapitaLand Limted ("CAPL")
Keppel Corporation Limited ("KEP")
 



*Note: 
Product terms and conditions apply. Please refer to the Indicative Term Sheet for more details. A copy of the Indicative Term Sheet is available at the point of sale or at any United Overseas Bank Limited ("UOB") branch. For more information on the structure and interest rate for UOB Structured Deposit 2012 - Series (1) in USD, please speak to a UOB Personal Banker.

1To be eligible for the 99.9 Fine Silver-Plated Fortune Dragon Medallion with Swarovski Crystal worth S$208 ("Early Bird Gift"), the customer must invest a minimum of S$80,000 in the UOB Structured Deposit 2012 – Series (1) (or US$62,000 for the USD tranche) between 3 January 2012 and 4 February 2012 ("Offer Period"). Each customer is eligible for only one (1) Early Bird Gift and eligibility shall be in accordance with the terms of the UOB Lunar New Year Structured Deposit Promotion ("Promotion")and while stocks last. Terms and Conditions of the Promotion apply.

2To qualify for the "UOB Lunar New Year Draw" ("Draw"), a minimum of S$10,000 investment in the UOB Structured Deposit 2012 – Series (1) (or US$8,000 for the USD tranche) must be placed during its Offer Period. One (1) chance is allocated for every multiple of S$10,000 (but not part thereof) invested in the said Structured Deposit (or US$8,000 for the USD tranche). Eight (8) sets of 999.9 Fine Gold-Proof Double Prosperity Dragon Medallion Set with Swarovski crystals worth S$3,988 ("Lucky Draw Prize") will be given away at the end of the Promotion Period. There shall not be any two winning accounts in any Draw held by the same winning Accountholder whether singly or jointly. No Accountholder, whether singly or jointly may win more than one (1) Lucky Draw Prize. The Draw will be conducted on 15 March 2012. Winners of each Draw will be published in a newspaper as determined by UOB within 7 days of the respective Draw dates and winners of the Draw shall be notified by post. All terms used here shall have the same meaning provided in the full terms and conditions of the Draw. Terms and Conditions of the Draw apply.

UOB reserve the right, at its absolute discretion and at any time and without giving prior notice or any reason, to vary/amend these privileges and/or any of the terms and conditions of the Promotion and/or the Draw and/or terminate the Promotion and/or the Draw. The decision of UOB on all matters relating to the Promotion and the Draw shall be final and binding on all account holders of any of the Accounts and any other persons, including, without limitation, any decision to cancel or suspend the Promotion and/or the Draw. No correspondence(s) will be entertained.

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 2012 – Series (1) ("UOB Structured Deposit 2012 - Series (1)") is principal guaranteed only if held until the maturity date. Investing in a structured deposit entails certain risks, including potential loss of the principal sum invested if the investment is not held to maturity. Please refer to the Indicative Term Sheet for full product details. You may wish to seek advice from a licensed or an exempt financial adviser before making a commitment to purchase UOB Structured Deposit 2012 - 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 Structured Deposit 2012 - Series (1) is suitable for you.

Structured deposits are not fixed deposits. Unlike traditional deposits, the UOB Structured Deposit 2012 - Series (1)has risk and investment elements, and is not an insured deposit within the meaning of the Deposit Insurance and Policy Owners' Protection Schemes Act 2011 of Singapore.

United Overseas Bank Limited is the structured deposit taking institution for UOB Structured Deposit 2012 - 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.