UOB Structured Deposit 2013

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structured deposit 

Grow your money with UOB Structured Deposits* 

Now you can make your money work as hard as you do with UOB Structured Deposit 2013 – Series (5)*. Get started with a minimum investment of S$5,000*. 

Get 100% Principal Amount back
 
Total Guaranteed Minimum Interest of 8.5%of the Principal Amount over 5 years and 11 months (equivalent to an effective interest rate of 1.4421% per annum)
Guaranteed fixed interest
 

100% Principal Amount guaranteed when held to maturity
Earn Potential Bonus
Maturity Variable Interest of up to 4% linked to 5 Singapore Company Shares*



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structured deposit 

Grow your money with UOB Structured Deposits* 

Now you can make your money work as hard as you do with UOB Structured Deposit 2013 – Series (3)*. Get started with a minimum investment of S$5,000*. 

Get 100% Principal Amount back
 
Total Guaranteed Minimum Interest of 9.6%of the Principal Amount over 5 years and 11 months (equivalent to an effective interest rate of 1.6193% per annum)
Guaranteed fixed interest
 

100% Principal Amount guaranteed when held to maturity
Earn Potential Bonus
Maturity Variable Interest of up to 6% linked to 5 Singapore Company Shares*



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

1

1.6%

1%

2.6%

2

1.6%

1%

2.6%

3

1.6%

1%

2.6%

4

1.6%

1%

2.6%

5

1.6%

1%

2.6%

At maturity

-

1%

2.6%

Total interest payout

9.6%

6%

15.6%

Principal + Interest payout
S$10,000 + S$960 + S$600 = S$11,560


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

1

1.6%

-

1.6%

2

1.6%

-

1.6%

3

1.6%

-

1.6%

4

1.6%

-

1.6%

5

1.6%

-

1.6%

At maturity

1.6%

-

1.6%

Total interest payout

9.6%

-

9.6%

Principal + Interest payout
S$10,000 + S$960 + S$0 = S$10,960


At a Glance:
Investment Currency
Singapore Dollars (SGD)
Tenor 5 Years and 11 Months
Offer Period 23 September 2013 to 12 October 2013^
Guaranteed Fixed Interests Payable at the end of:
End of Year
% of the Principal Amount
1
1.6%
2
1.6%
3
1.6%
4
1.6%
5
16%
Total Guaranteed Fixed Interest = 9.6%
Total Potential Bonus Interest Minimum at 0% of the Principal Amount and maximum at 6% of the Principal Amount*
Minimum Effective Interest Rate 1.6193% per annum (Based on total guaranteed minimum interest of 9.6%* of the Principal Amount.)
Shares in Underlying Basket Ascendas Real Estate Investment Trust ("AREIT")
DBS Group Holdings Limited ("DBS")
Keppel Land Limited ("KPLD")
SembCorp Marine Limited ("SMM")
Singapore Telecommunications Limited("ST")

 

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Grow your money with UOB Structured Deposits* 

Now you can make your money work as hard as you do with UOB Structured Deposit 2013 – Series (2)*. Get started with a minimum investment of S$5,000*. 

Get 100% Principal Amount back
 
Total Guaranteed Minimum Interest of 9.5%of the Principal Amount over 5 years and 11 months (equivalent to an effective interest rate of 1.6091% per annum)
Guaranteed fixed interest
 

100% Principal Amount guaranteed when held to maturity
Earn Potential Bonus
Maturity Variable Interest of up to 4% linked to 5 Singapore Company Shares*



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

1

1.7%

-

1.7%

2

1.7%

-

1.7%

3

1.7%

-

1.7%

4

1.7%

-

1.7%

5

1.7%

-

1.7%

At maturity

-

4%

4.0%

Total interest payout

8.5%

4%

12.5%

Principal + Interest payout
S$10,000 + S$850 + S$400 = S$11,250


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

1

1.7%

-

1.7%

2

1.7%

-

1.7%

3

1.7%

-

1.7%

4

1.7%

-

1.7%

5

1.7%

-

1.7%

At maturity

-

1%

1%

Total interest payout

8.5%

1%

9.5%

Principal + Interest payout
S$10,000 + S$850 + S$100 = S$10,950


At a Glance:
Investment Currency
Singapore Dollars (SGD)
Tenor 5 Years and 11 Months
Offer Period 19 August 2013 to 14 September 2013^
Guaranteed Fixed Interests Payable at the end of:
End of Year
% of the Principal Amount
1
1.7%
2
1.7%
3
1.7%
4
1.7%
5
1.7%
Total Guaranteed Fixed Interest = 8.5%
Maturity Variable Interest Minimum at 1% of the Principal Amount and maximum at 4% of the Principal Amount*
Total Guaranteed Minimum Interest 9.5%* of the Principal Amount (Being Total Guaranteed Fixed Interest of 8.5% plus minimum Maturity Variable Interest of 1%)
Minimum Effective Interest Rate 1.6091% per annum (Based on total guaranteed minimum interest of 9.5%* of the Principal Amount.)
Shares in Underlying Basket CapitaLand Limited ("CAPL")
Keppel Corporation Limited ("KEP")
Oversea-Chinese Banking Corporation Limited ("OCBC")
SembCorp Industries Limited ("SCI")
Singapore Telecommunications Limited("ST")



*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).

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Without the worry of losing a single cent of your hard earned money*, you receive:

Get 100% Principal Amount back
 
Total Guaranteed Fixed Interest of 9.3% of the Principal Amount over 5 years
and 11 months (equivalent to an effective interest rate of 1.5687% per annum)
Guaranteed fixed interest
 

100% Principal Amount guaranteed when held to maturity
Earn Potential Bonus
Potential Bonus Interest of up to 10% linked to 5 Singapore Company Shares*


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

1.55%

Not Applicable

1.55%

2

1.55%

2.00%

3.55%

3

1.55%

2.00%

3.55%

4

1.55%

2.00%

3.55%

5

1.55%

2.00%

3.55%

At maturity

1.55%

2.00%

3.55%

Total interest payout

9.3%

10%

19.3%

Principal + Interest payout
S$10,000 + S$930 + S$1,000 = S$11,930


 
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

1.55%

Not Applicable

1.55%

2

1.55%

0%

1.55%

3

1.55%

0%

1.55%

4

1.55%

0%

1.55%

5

1.55%

0%

1.55%

At maturity

1.55%

0%

1.55%

Total interest payout

9.3%

0%

9.3%

Principal + Interest payout
S$10,000 + S$930 + S$0 = S$10,930


At a Glance:
Investment Currency
Singapore Dollars (SGD)
Tenor 5 Years and 11 Months
Offer Period 15 July 2013 to 31 August 2013^
Guaranteed Fixed Interest Payable at the end of:
End of Year
% of the Principal Amount
1
1.55%
2
1.55%
3
1.55%
4
1.55%
5
1.55%
At maturity
1.55%
Total Guaranteed Minimum Interest = 9.3%
Total Potential Bonus Interest Minimum at 0% of the Principal Amount and maximum at 10% of the Principal Amount*
Minimum Effective Interest Rate 1.5687% per annum (Based on total guaranteed minimum interest of 9.3%* of the Principal Amount.)
Shares in Underlying Basket DBS Group Holdings Limited ("DBS")
Keppel Corporation Limited ("KEP")
Sembcorp Marine Limited ("SMM")
Singapore Airlines Limited ("SIA")
Singapore Press Holdings Limited ("SPH")



*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.
+Only for existing UOB Personal Internet Banking (PIB) customers with a fixed deposit account. Online purchase is subjected to passing the Customer Knowledge Assessment (CKA) on UOB PIB.
^Subject to changes, please refer to Indicative Term Sheet for full details.

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 2013 – Series (1) ("UOB Structured Deposit 2013 - 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 2013 - 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 2013 - Series (1) is suitable for you. 

Structured deposits are not fixed deposits. Unlike traditional deposits, the UOB Structured Deposit 2013 - 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 2013 - 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.