Structured Deposit - Previous Series

• UOB Principal Guaranteed Structured Deposit 2018 – Series (15)

Grow your money with UOB Structured Deposits*

Now you can make your money work as hard as you do with UOB Principal Guaranteed Structured Deposit 2018 – Series (15)*. GGet started with a minimum investment of SGD 5,000*.

• Total Guaranteed Minimum Interest of 12%* of the Principal Amount over 6 years (equivalent to an effective interest rate of 2.01286% a year)
• 100% Principal Amount guaranteed when held to maturity
• Maturity Variable Interest of up to 3% linked to 5 Singapore Company Shares*

Offer ends 23 October 2018^. Speak to a UOB Personal Banker for more details.

How it works

Assuming an investment amount of S$10,000, held till maturity:

Best Case Scenario (Maximum interest payable, where all Shares close at or above 100% of their respective Initial Prices on Final Observation Date.)

Worst Case Scenario (Minimum interest payable, where not all Shares close at or above 100% of their respective Initial Prices on Final Observation Date.)

At a glance

^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.

⁺Only for existing UOB Personal Internet Banking (PIB) customers with a fixed deposit account. Online purchase is subject to passing the Customer Knowledge Assessment (CKA) on UOB PIB.

• UOB Principal Guaranteed Structured Deposit 2018 – Series (13)

Grow your money with UOB Structured Deposits*

Now you can make your money work as hard as you do with UOB Principal Guaranteed Structured Deposit 2018 – Series (13)*. Get started with a minimum investment of SGD 5,000*.

• Total Guaranteed Minimum Interest of 11%* of the Principal Amount over 6 years (equivalent to an effective interest rate of 1.84367% a year)
• 100% Principal Amount guaranteed when held to maturity
• Maturity Variable Interest of up to 3% linked to 5 Singapore Company Shares*

Offer ends 20 September 2018^. Speak to a UOB Personal Banker for more details.

How it works

Assuming an investment amount of S$10,000, held till maturity:

Best Case Scenario (Maximum interest payable, where all Shares close at or above 100% of their respective Initial Prices on Final Observation Date.)

Worst Case Scenario (Minimum interest payable, where not all Shares close at or above 100% of their respective Initial Prices on Final Observation Date.)

At a glance

^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.

⁺Only for existing UOB Personal Internet Banking (PIB) customers with a fixed deposit account. Online purchase is subject to passing the Customer Knowledge Assessment (CKA) on UOB PIB.

• UOB Principal Guaranteed Structured Deposit 2018 – Series (12)

Grow your money with UOB Structured Deposits*

Now you can make your money work as hard as you do with UOB Principal Guaranteed Structured Deposit 2018 – Series (12)*. Get started with a minimum investment of SGD 5,000*.

• Total Guaranteed Minimum Interest of 11.50%* of the Principal Amount over 6 years (equivalent to an effective interest rate of 1.92825% a year)
• 100% Principal Amount guaranteed when held to maturity
• Maturity Variable Interest of up to 3% linked to 5 Singapore Company Shares*

Offer ends 23 August 2018^. Speak to a UOB Personal Banker for more details.

How it works

Assuming an investment amount of S$10,000, held till maturity:

Best Case Scenario (Maximum interest payable, where all Shares close at or above 100% of their respective Initial Prices on Final Observation Date.)

Worst Case Scenario (Minimum interest payable, where not all Shares close at or above 100% of their respective Initial Prices on Final Observation Date.)

At a glance

^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.

⁺Only for existing UOB Personal Internet Banking (PIB) customers with a fixed deposit account. Online purchase is subject to passing the Customer Knowledge Assessment (CKA) on UOB PIB.

• UOB Principal Guaranteed Structured Deposit 2018 – Series (11)

Grow your money with UOB Structured Deposits*

Now you can make your money work as hard as you do with UOB Principal Guaranteed Structured Deposit 2018 – Series (11)*. Get started with a minimum investment of SGD 5,000*.

• Total Guaranteed Minimum Interest of 11.50%* of the Principal Amount over 5 years and 11 months (equivalent to an effective interest rate of 1.95289% a year)
• 100% Principal Amount guaranteed when held to maturity
• Maturity Variable Interest of up to 3% linked to 5 Singapore Company Shares*

Offer ends 23 July 2018^. Speak to a UOB Personal Banker for more details.

How it works

Assuming an investment amount of S$10,000, held till maturity:

Best Case Scenario (Maximum interest payable, where all Shares close at or above 100% of their respective Initial Prices on Final Observation Date.)

Worst Case Scenario (Minimum interest payable, where not all Shares close at or above 100% of their respective Initial Prices on Final Observation Date.)

At a glance

^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.

⁺Only for existing UOB Personal Internet Banking (PIB) customers with a fixed deposit account. Online purchase is subject to passing the Customer Knowledge Assessment (CKA) on UOB PIB.

• UOB Principal Guaranteed Structured Deposit 2018 – Series (10)

Grow your money with UOB Structured Deposits*

Now you can make your money work as hard as you do with UOB Principal Guaranteed Structured Deposit 2018 – Series (10)*. Get started with a minimum investment of SGD 5,000*.

• Total Guaranteed Minimum Interest of 10.50%* of the Principal Amount over 5 years and 11 months (equivalent to an effective interest rate of 1.7833% a year)
• 100% Principal Amount guaranteed when held to maturity
• Maturity Variable Interest of up to 3% linked to 5 Singapore Company Shares*

Offer ends 21 June 2018^. Speak to a UOB Personal Banker for more details.

How it works

Assuming an investment amount of S$10,000, held till maturity:

Best Case Scenario (Maximum interest payable, where all Shares close at or above 100% of their respective Initial Prices on Final Observation Date.)

Worst Case Scenario (Minimum interest payable, where not all Shares close at or above 100% of their respective Initial Prices on Final Observation Date.)

At a glance

^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.

⁺Only for existing UOB Personal Internet Banking (PIB) customers with a fixed deposit account. Online purchase is subject to passing the Customer Knowledge Assessment (CKA) on UOB PIB.

• UOB Principal Guaranteed Structured Deposit 2018 – Series (9)(USD)

Grow your money with UOB Structured Deposits

Now you can make your money work as hard as you do with UOB Structured Deposit 2018 - Series (9)(USD)*. Get started with a minimum investment of US$5,000*.

• Total Guaranteed Minimum Interest of 4.95%* of the Principal Amount over 3 years (equivalent to an effective interest rate of 1.6569% a year)
• 100% Principal Amount guaranteed when held to maturity
• Maturity Variable Interest of up to 3% linked to 5 Singapore Company Shares*

Offer ends 23 May 2018^. Speak to a UOB Personal Banker for more details.

How it works

Assuming an investment amount of S$10,000, held till maturity:

Best Case Scenario (Maximum interest payable, where all Shares close at or above 100% of their respective Initial Prices on Final Observation Date.)

Worst Case Scenario (Minimum interest payable, where not all Shares close at or above 100% of their respective Initial Prices on Final Observation Date.)

At a glance

^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.

⁺Only for existing UOB Personal Internet Banking (PIB) customers with a fixed deposit account. Online purchase is subject to passing the Customer Knowledge Assessment (CKA) on UOB PIB.

• UOB Principal Guaranteed Structured Deposit 2018 – Series (8)

Grow your money with UOB Structured Deposits

Now you can make your money work as hard as you do with UOB Principal Guaranteed Structured Deposit 2018 – Series (8)*. Get started with a minimum investment of SGD 5,000*.

• Total Guaranteed Minimum Interest of 10.25%* of the Principal Amount over 5 years and 11 months (equivalent to an effective interest rate of 1.7397% a year)
• 100% Principal Amount guaranteed when held to maturity
• Maturity Variable Interest of up to 3% linked to 5 Singapore Company Shares*

Offer ends 23 May 2018^. Speak to a UOB Personal Banker for more details.

How it works

Assuming an investment amount of S$10,000, held till maturity:

Best Case Scenario (Maximum interest payable, where all Shares close at or above 100% of their respective Initial Prices on Final Observation Date.)

Worst Case Scenario (Minimum interest payable, where not all Shares close at or above 100% of their respective Initial Prices on Final Observation Date.)

At a glance

^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.

⁺Only for existing UOB Personal Internet Banking (PIB) customers with a fixed deposit account. Online purchase is subject to passing the Customer Knowledge Assessment (CKA) on UOB PIB.

• UOB Principal Guaranteed Structured Deposit 2018 – Series (7)(USD)

Grow your money with UOB Structured Deposits

Now you can make your money work as hard as you do with UOB Structured Deposit 2018 - Series (7)(USD)*. Get started with a minimum investment of US$5,000*.

• Total Guaranteed Minimum Interest of 4.05%* of the Principal Amount over 3 years (equivalent to an effective interest rate of 1.3561% a year)
• 100% Principal Amount guaranteed when held to maturity
• Maturity Variable Interest of up to 3% linked to 5 Singapore Company Shares*

Offer ends 20 April 2018^. Speak to a UOB Personal Banker for more details.

How it works

Assuming an investment amount of S$10,000, held till maturity:

Best Case Scenario (Maximum interest payable, where all Shares close at or above 100% of their respective Initial Prices on Final Observation Date.)

Worst Case Scenario (Minimum interest payable, where not all Shares close at or above 100% of their respective Initial Prices on Final Observation Date.)

At a glance

^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.

⁺Only for existing UOB Personal Internet Banking (PIB) customers with a fixed deposit account. Online purchase is subject to passing the Customer Knowledge Assessment (CKA) on UOB PIB.

• UOB Principal Guaranteed Structured Deposit 2018 – Series (6)

Grow your money with UOB Structured Deposits

Now you can make your money work as hard as you do with UOB Principal Guaranteed Structured Deposit 2018 – Series (6)*. Get started with a minimum investment of SGD 5,000*.

• Total Guaranteed Minimum Interest of 9.75%* of the Principal Amount over 5 years and 11 months (equivalent to an effective interest rate of 1.6550% a year)
• 100% Principal Amount guaranteed when held to maturity
• Maturity Variable Interest of up to 3% linked to 5 Singapore Company Shares*

Offer ends 20 April 2018^. Speak to a UOB Personal Banker for more details.

How it works

Assuming an investment amount of S$10,000, held till maturity:

Best Case Scenario (Maximum interest payable, where all Shares close at or above 100% of their respective Initial Prices on Final Observation Date.)

Worst Case Scenario (Minimum interest payable, where not all Shares close at or above 100% of their respective Initial Prices on Final Observation Date.)

At a glance

^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.

⁺Only for existing UOB Personal Internet Banking (PIB) customers with a fixed deposit account. Online purchase is subject to passing the Customer Knowledge Assessment (CKA) on UOB PIB.

• UOB Principal Guaranteed Structured Deposit 2018 – Series (5)(USD)

Make The Right Move With A Winning Solution

Now you can make your money work as hard as you do with UOB Principal Guaranteed Structured Deposit 2018 – Series (5)(USD)*. Get started with a minimum investment of USD 5,000*.

• 100% Principal Guaranteed* – Amount Payable by UOB (when held to maturity)
• Receive Potentially Higher Interest Linked To The Performance Of The Underlying Reference Fund – Opportunity for attractive Annual Variable Interest^>
• No Hidden Costs – With 100% participation in the performance of the Underlying Reference Fund~
• Award Winning Fund Manager^# – Underlying Reference Fund is managed by PIMCO, a leading global investment management firm

Offer ends 22 March 2018^. Speak to a UOB Personal Banker for more details.

How it works

The scenarios assume a Principal Amount of USD10,000, held for a mandatory tenor of 3 years, until maturity. The performance of the Underlying Reference Fund may fluctuate depending on, amongst other things, the economic conditions and market perception of the Underlying Reference Fund.

Scenario 1: Underlying Reference Fund closes above its Initial Price on each Valuation Date

Assuming Participation Rate is set at 100% and the Initial Price and the Closing Price of the Underlying Reference Fund on each Valuation Date are as follows:

At the end of Year 1, 2 and 3 of the Tenor, the relevant Annual Variable Interest is payable on each Interest Payment Date.

In this example, for a Principal Amount of USD10,000, the investor will get a total interest of USD 1,200 (i.e. USD 500 + USD 400 + USD 300) in the 3 years. This is equivalent to an annualized rate of return of 4.0224%.

Scenario 2: Underlying Reference Fund closes above its Initial Price on Valuation Date (2) only:

Assuming Participation Rate is set at 100% and the Initial Price and the Closing Price of the Underlying Reference Fund on each Valuation Date are as follows:

*If the Return of the Fund is negative on a Valuation Date, the Annual Variable Interest for that corresponding year will be 0%.

At the end of Year 1, 2 and 3 of the Tenor, the relevant Annual Variable Interest is payable on each Interest Payment Date.

In this example, for a Principal Amount of USD10,000, the investor will get a total interest of USD 400 (i.e. USD 0 + USD 400 + USD 0) in the 3 years. This is equivalent to an annualized rate of return of 1.33197%.

Scenario 3: Underlying Reference Fund closes below its Initial Price on each Valuation Date (Worst Case Scenario):

Assuming Participation Rate is set at 100% and the Initial Price and the Closing Price of the Underlying Reference Fund on each Valuation Date are as follows:

*Since the Return of the Fund is negative on each Valuation Date, the Annual Variable Interest will be 0%.

In this example, for a Principal Amount of USD10,000, the investor will get a total interest of USD 0 (i.e. USD 0 + USD 0 + USD 0) for 3 years. This is equivalent to an annualized rate of return of 0%. Despite the negative performance of the Underlying Reference Fund, there is no principal loss to the investor. Capital is guaranteed, and the investor will also receive 100% of the Principal Amount of USD10,000 on maturity.

At a glance

Investment Currency	United States Dollars (USD)
Tenor	3 Years
Offer Period	6 March 2018 to 22 March 2018^
Annual Variable Interest	The Annual Variable Interest (n) payable on the relevant Interest Payment Date (n) shall be a USD amount equivalent to the Annual Variable Interest Rate (n) multiplied by the Principal Amount. Mathematically: Annual Variable Interest Rate(n) = {PR x Average Fund Performance(n)} Where: Participation Rate ("PR") = 100% Average Fund Performance(n) = Return of Fund(n) = (In the worst case scenario, the minimum effective interest rate is 0.30% per annum assuming that the whole of the Principal Amount is held until Maturity Date.)
Start Date	6 March 2018
Maturity Date	29 March 2021
Initial Price Fixing Date	29 March 2018
Valuation Date(n) (n = 1 to 5)	Valuation Date means any of the 3 dates listed in the table below, with Valuation Date (n) being the n-th Valuation Date. n Valuation Date(n) 1 22 March 2019 2 22 March 2020 3 22 March 2021 Provided that if any of the above Valuation Dates is not a Fund Valuation Day and/or a Fund Disruption Event has occurred, such date shall be postponed to the earlier of (1) the next Fund Valuation Day on which there is no Fund Disruption Event, or (2) the third Fund Valuation Day following the original date (“Reference Trading Day”). If the Fund Disruption Event continues on the Reference Trading Day, the Calculation Agent will estimate in good faith, the bid price of the Underlying Reference Fund which would have prevailed on such day.
Underlying Reference Fund (“Fund”)	PIMCO Funds: Global Investors Series plc – Income Fund (Bloomberg Ticker: PINEEHA ID ‹Equity›) Click here to view Product Fact Sheet

^Subject to changes, please refer to Indicative Term Sheet for full details.

*Note: Note: Capital remains guaranteed only when UOB Principal Guaranteed Structured Deposit 2018 – Series (5)(USD) is held for a mandatory tenor of 3 years, until maturity. 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.

>Annual Variable Interest which is not guaranteed shall be calculated as the product of the Participation Rate and the Average Fund Performance for that year.

~Investors should note the UOB Principal Guaranteed Structured Deposit 2018 – Series (5)(USD) does not invest into the PIMCO Funds: Global Investors Series plc – Income Fund. The UOB Principal Guaranteed Structured Deposit 2018 – Series (5)(USD) is only using the closing price of the PIMCO Funds: Global Investors Series plc – Income Fund on the set Valuation Date each year as a reference point to calculate the Annual Variable Interest on this structured deposit. PIMCO is not the issuer or guarantor of this structured deposit.

^#Morningstar Best Fixed-Income Fund House in Hong Kong (Year 2013, 2014, 2015, 2017) and in Singapore (Year 2015)

>Annual Variable Interest which is not guaranteed shall be calculated as the product of the Participation Rate and the Average Fund Performance for that year.

+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.

• UOB Principal Guaranteed Structured Deposit 2018 – Series (3)(SGD)

Make The Right Move With A Winning Solution

Now you can make your money work as hard as you do with UOB Principal Guaranteed Structured Deposit 2018 – Series (3)*. Get started with a minimum investment of SGD 5,000*.

• 100% Principal Guaranteed* – Amount Payable by UOB (when held to maturity)
• Receive Potentially Higher Interest Linked To The Performance Of The Underlying Reference Fund – Opportunity for attractive Annual Variable Interest^›
• No Hidden Costs – With 100% participation in the performance of the Underlying Reference Fund~
• Award Winning Fund Manager^# – Underlying Reference Fund is managed by PIMCO, a leading global investment management firm

Offer ends 22 March 2018^. Speak to a UOB Personal Banker for more details.

How it works

The scenarios assume a Principal Amount of SGD10,000, held for a mandatory tenor of 5 years, until maturity. The performance of the Underlying Reference Fund may fluctuate depending on, amongst other things, the economic conditions and market perception of the Underlying Reference Fund.

Scenario 1: Underlying Reference Fund closes above its Initial Price on each Valuation Date

Assuming Participation Rate is set at 100% and the Initial Price and the Closing Price of the Underlying Reference Fund on each Valuation Date are as follows:

At the end of Year 1, 2, 3, 4 and 5 of the Tenor, the relevant Annual Variable Interest is payable on each Interest Payment Date.

In this example, for a Principal Amount of SGD10,000, the investor will get a total interest of SGD 1,700 (i.e. SGD 500 + SGD 400 + SGD 300 + SGD 300 + SGD 200) in the 5 years. This is equivalent to an annualized rate of return of 3.4454%.

Scenario 2: Underlying Reference Fund closes above its Initial Price on Valuation Date (2), (4) and (5) only

Assuming Participation Rate is set at 100% and the Initial Price and the Closing Price of the Underlying Reference Fund on each Valuation Date are as follows:

*If the Return of the Fund is negative on a Valuation Date, the Annual Variable Interest will be zero

At the end of Year 1, 2, 3, 4 and 5 of the Tenor, the relevant Annual Variable Interest is payable on each Interest Payment Date.

In this example, for a Principal Amount of SGD10,000, the investor will get a total interest of SGD 850 (i.e. SGD 0 + SGD 400 + SGD 0 + SGD 250 + SGD 200) in the 5 years. This is equivalent to an annualized rate of return of 1.6905%.

Scenario 3: Underlying Reference Fund closes below its Initial Price on each Valuation Date (Worst Case Scenario):

Assuming Participation Rate is set at 100% and the Initial Price and the Closing Price of the Underlying Reference Fund on each Valuation Date are as follows:

*Since the Return of the Fund is negative on each Valuation Date, the Annual Variable Interest will be zero

In this example, no Annual Variable Interest will be paid for the entire tenor as the Underlying Reference Fund has fallen below its Initial Price. Despite the negative performance of the Underlying Reference Fund, there is no principal loss to the investor. Capital is guaranteed, and the investor will receive 100% of the Principal Amount of SGD10,000 on maturity.

At a glance

Investment Currency	Singapore Dollars (SGD)
Tenor	5 Years
Offer Period	6 March 2018 to 22 March 2018^
Annual Variable Interest	The Annual Variable Interest (n) payable on the relevant Interest Payment Date (n) shall be a SGD amount equivalent to the Annual Variable Interest Rate (n) multiplied by the Principal Amount. Mathematically: Annual Variable Interest Rate(n) = PR x Average Fund Performance(n) Where: Participation Rate ("PR") = 100% Average Fund Performance(n) = Return of Fund(n) =
Offer Start Date	6 March 2018
Maturity Date	29 March 2023
Initial Price Fixing Date	29 March 2018
Valuation Date (n) (n = 1 to 5)	Valuation Date means any of the 5 dates listed in the table below, with Valuation Date (n) being the n-th Valuation Date. n Valuation Date(n) 1 22 March 2019 2 23 March 2020 3 22 March 2021 4 22 March 2022 5 22 March 2023 Provided that if any of the above Valuation Dates is not a Fund Valuation Day and/or a Fund Disruption Event has occurred, such date shall be postponed to the earlier of (1) the next Fund Valuation Day on which there is no Fund Disruption Event, or (2) the third Fund Valuation Day following the original date ("Reference Trading Day"). If the Fund Disruption Event continues on the Reference Trading Day, the Calculation Agent will estimate in good faith, the bid price of the Underlying Reference Fund which would have prevailed on such day.
Underlying Fund (“Fund”)	PIMCO Funds: Global Investors Series plc – Income Fund (Bloomberg Ticker: PINEEHA ID ‹Equity›) Click here to view Product Fact Sheet

^Subject to changes, please refer to Indicative Term Sheet for full details.

*Note: Capital remains guaranteed only when UOB Principal Guaranteed Structured Deposit 2018 – Series (3) is held for a mandatory tenor of 5 years, until maturity. 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.

>Annual Variable Interest which is not guaranteed shall be calculated as the product of the Participation Rate and the Average Fund Performance for that year.

~Investors should note the UOB Principal Guaranteed Structured Deposit 2018 – Series (3) does not invest into the PIMCO Funds: Global Investors Series plc – Income Fund. The UOB Principal Guaranteed Structured Deposit 2018 – Series (3) is only using the closing price of the PIMCO Funds: Global Investors Series plc – Income Fund on the set Valuation Date each year as a reference point to calculate the Annual Variable Interest on this structured deposit. PIMCO is not the issuer or guarantor of this structured deposit.

^#Morningstar Best Fixed-Income Fund House in Hong Kong (Year 2013, 2014, 2015, 2017) and in Singapore (Year 2015)

>Annual Variable Interest which is not guaranteed shall be calculated as the product of the Participation Rate and the Average Fund Performance for that year.

+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.

• UOB Principal Guaranteed Structured Deposit 2018 – Series (2)(USD)

Grow your money with UOB Structured Deposits*

Now you can make your money work as hard as you do with UOB Principal Guaranteed Structured Deposit 2018 – Series (2)(USD)*. Get started with a minimum investment of USD 5,000*.

• 100% Principal Guaranteed* – Amount Payable by UOB (when held to maturity)
• Receive Potentially Higher Interest Linked To The Performance Of The Underlying Reference Fund – Opportunity for attractive Annual Variable Interest^> with at least 0.3% yearly
• No Hidden Costs – With 100% participation into the Underlying Reference Fund~
• Award Winning Fund Manager^# – Underlying Reference Fund is managed by PIMCO, a leading global investment management firm

Offer ends 23 January 2018^. Speak to a UOB Personal Banker for more details.

How it works

The scenarios assume a Principal Amount of USD 10,000, held for a mandatory tenor of 5 years, until maturity. The performance of the Underlying Reference Fund may fluctuate depending on, amongst other things, the economic conditions and market perception of the Underlying Reference Fund.

Scenario 1: Underlying Reference Fund closes above its Initial Price on each Valuation Date

Assuming Participation Rate is set at 100% and the Initial Price and the Closing Price of the Underlying Reference Fund on each Valuation Date are as follows:

At the end of Year 1, 2, 3, 4 and 5 of the Tenor, the relevant Annual Variable Interest is payable on each Interest Payment Date.

In this example, for a Principal Amount of USD 10,000, the investor will get a total interest of USD 1,850 (i.e. USD 530 + USD 430 + USD 330 + USD 330 + USD 230) in the 5 years. This is equivalent to an annualized rate of return of 3.7494%.

Scenario 2: Underlying Reference Fund closes above its Initial Price on Valuation Date (2), (4) and (5) only

Assuming Participation Rate is set at 100% and the Initial Price and the Closing Price of the Underlying Reference Fund on each Valuation Date are as follows:

*If the Return of the Fund is negative on the Valuation Date, the Annual Variable Interest will be zero.

At the end of Year 1, 2, 3, 4 and 5 of the Tenor, the relevant Annual Variable Interest is payable on each Interest Payment Date.

In this example, for a Principal Amount of USD 10,000, the investor will get a total interest of USD 1,000 (i.e. USD 30 + USD 430 + USD 30 + USD 280 + USD 230) in the 5 years. This is equivalent to an annualized rate of return of 1.9889%.

Scenario 3: Underlying Reference Fund closes below its Initial Price on each Valuation Date (Worst Case Scenario):

Assuming Participation Rate is set at 100% and the Initial Price and the Closing Price of the Underlying Reference Fund on each Valuation Date are as follows:

*Since the Return of the Fund is negative on each Valuation Date, the Annual Variable Interest will be 0.3%.

In this example, for a Principal Amount of USD 10,000, the investor will get a total interest of USD 150 (i.e. USD 30 + USD 30 + USD 30 + USD 30 + USD 30) for 5 years. This is equivalent to an annualized rate of return of 0.30%. Despite the negative performance of the Underlying Reference Fund, there is no principal loss to the investor. Capital is guaranteed, and the investor will also receive 100% of the Principal Amount of USD 10,000 on maturity.

At a glance

Investment Currency	United States Dollars (USD)
Tenor	5 Years
Offer Period	8 January 2018 to 23 January 2018^
Annual Variable Interest	The Annual Variable Interest (n) payable on the relevant Interest Payment Date (n) shall be a USD amount equivalent to the Annual Variable Interest Rate (n) multiplied by the Principal Amount. Mathematically: Annual Variable Interest Rate(n) = 0.3% + {PR+ Average Fund Performance(n)} Where: Participation Rate ("PR") = 100% Average Fund Performance(n) = Return of Fund(n) = (In the worst case scenario, the minimum effective interest rate is 0.30% per annum assuming that the whole of the Principal Amount is held until Maturity Date.)
Start Date	8 January 2018
Maturity Date	30 January 2023
Initial Price Fixing Date	30 January 2018
Valuation Date(n) (n = 1 to 5)	Valuation Date means any of the 5 dates listed in the table below, with Valuation Date (n) being the n-th Valuation Date. n Valuation Date(n) 1 23 January 2019 2 22 January 2020 3 25 January 2021 4 24 January 2022 5 23 January 2023 Provided that if any of the above Valuation Dates is not a Fund Valuation Day and/or a Fund Disruption Event has occurred, such date shall be postponed to the earlier of (1) the next Fund Valuation Day on which there is no Fund Disruption Event, or (2) the third Fund Valuation Day following the original date ("Reference Trading Day"). If the Fund Disruption Event continues on the Reference Trading Day, the Calculation Agent will estimate in good faith, the bid price of the Underlying Reference Fund which would have prevailed on such day.
Underlying Fund (“Fund”)	PIMCO Funds: Global Investors Series plc – Income Fund Click here to view Product Fact Sheet

^Subject to changes, please refer to Indicative Term Sheet for full details.

*Note: Capital remains guaranteed only when UOB Principal Guaranteed Structured Deposit 2018 – Series (2)(USD) is held for a mandatory tenor of 5 years, until maturity. 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.

~Investors should note the UOB Principal Guaranteed Structured Deposit 2018 – Series (2)(USD) does not invest into the PIMCO Funds: Global Investors Series plc – Income Fund. The UOB Principal Guaranteed Structured Deposit 2018 – Series (2)(USD) is only using the closing price of the PIMCO Funds: Global Investors Series plc – Income Fund on the set Valuation Date each year as a reference point to calculate the Annual Variable Interest on this structured deposit. PIMCO is not the issuer or guarantor of this structured deposit.

^#Morningstar Best Fixed-Income Fund House in Hong Kong (Year 2013, 2014, 2015, 2017) and in Singapore (Year 2015)

>Annual Variable Interest which is not guaranteed shall be calculated as the product of the Participation Rate and the Average Fund Performance for that year.

+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.

• UOB Principal Guaranteed Structured Deposit 2018 – Series (1)(SGD)

Make The Right Move With UOB Structured Deposits*

Now you can make your money work as hard as you do with UOB Principal Guaranteed Structured Deposit 2018 – Series (1)*. Get started with a minimum investment of SGD 5,000*.

• 100% Principal Guaranteed* – Amount Payable by UOB (when held to maturity)
• Receive Potentially Higher Interest Linked To The Performance Of The Underlying Reference Fund – Opportunity for attractive Annual Variable Interest^›
• No Hidden Costs – With 100% participation into the Underlying Reference Fund~
• Award Winning Fund Manager^# – Underlying Reference Fund is managed by PIMCO, a leading global investment management firm

Offer ends 23 January 2018^. Speak to a UOB Personal Banker for more details.

How it works

The scenarios assume a Principal Amount of SGD 10,000, held for a mandatory tenor of 5 years, until maturity. The performance of the Underlying Reference Fund may fluctuate depending on, amongst other things, the economic conditions and market perception of the Underlying Reference Fund.

Scenario 1: Underlying Reference Fund closes above its Initial Price on each Valuation Date

Assuming Participation Rate is set at 100% and the Initial Price and the Closing Price of the Underlying Reference Fund on each Valuation Date are as follows:

At the end of Year 1, 2, 3, 4 and 5 of the Tenor, the relevant Annual Variable Interest is payable on each Interest Payment Date.

In this example, for a Principal Amount of SGD 10,000, the investor will get a total interest of SGD 1,700 (i.e. SGD 500 + SGD 400 + SGD 300 + SGD 300 + SGD 200) in the 5 years. This is equivalent to an annualized rate of return of 3.4455%.

Scenario 2: Underlying Reference Fund closes above its Initial Price on Valuation Date (2), (4) and (5) only

Assuming Participation Rate is set at 100% and the Initial Price and the Closing Price of the Underlying Reference Fund on each Valuation Date are as follows:

*If the Return of the Underlying Reference Fund is negative on a Valuation Date, the Annual Variable Interest will be zero

At the end of Year 1, 2, 3, 4 and 5 of the Tenor, the relevant Annual Variable Interest is payable on each Interest Payment Date.

In this example, for a Principal Amount of SGD 10,000, the investor will get a total interest of SGD 850 (i.e. SGD 0 + SGD 400 + SGD 0 + SGD 250 + SGD 200) in the 5 years. This is equivalent to an annualized rate of return of 1.6906%.

Scenario 3: Underlying Reference Fund closes below its Initial Price on each Valuation Date (Worst Case Scenario):

Assuming Participation Rate is set at 100% and the Initial Price and the Closing Price of the Underlying Reference Fund on each Valuation Date are as follows:

*Since the Return of the Underlying Reference Fund is negative on each Valuation Date, the Annual Variable Interest will be zero

In this example, no Annual Variable Interest will be paid for the entire tenor as the Underlying Reference Fund has fallen below its Initial Price. Despite the negative performance of the Underlying Reference Fund, there is no principal loss to the investor. Capital is guaranteed, and the investor will receive 100% of the Principal Amount of SGD 10,000 on maturity.

At a glance

Investment Currency	Singapore Dollars (SGD)
Tenor	5 Years
Offer Period	8 January 2018 to 23 January 2018^
Annual Variable Interest	The Annual Variable Interest (n) payable on the relevant Interest Payment Date (n) shall be a SGD amount equivalent to the Annual Variable Interest Rate (n) multiplied by the Principal Amount. Mathematically: Annual Variable Interest Rate(n) = PR x Average Fund Performance(n) Where: Participation Rate ("PR") = 100% Average Fund Performance(n) = Return of Fund(n) =
Offer Start Date	8 January 2018
Maturity Date	30 January 2023
Initial Price Fixing Date	30 January 2018
Valuation Date (n) (n = 1 to 5)	Valuation Date means any of the 5 dates listed in the table below, with Valuation Date (n) being the n-th Valuation Date. n Valuation Date(n) 1 23 January 2019 2 22 January 2020 3 25 January 2021 4 24 January 2022 5 23 January 2023 Provided that if any of the above Valuation Dates is not a Fund Valuation Day and/or a Fund Disruption Event has occurred, such date shall be postponed to the earlier of (1) the next Fund Valuation Day on which there is no Fund Disruption Event, or (2) the third Fund Valuation Day following the original date (“Reference Trading Day”). If the Fund Disruption Event continues on the Reference Trading Day, the Calculation Agent will estimate in good faith, the bid price of the Underlying Reference Fund which would have prevailed on such day.
Underlying Fund (“Fund”)	PIMCO Funds: Global Investors Series plc – Income Fund (Bloomberg Ticker: PINEEHA ID ‹Equity›) Click here to view Product Fact Sheet

^Subject to changes, please refer to Indicative Term Sheet for full details.

*Note: Capital remains guaranteed only when UOB Principal Guaranteed Structured Deposit 2018 – Series (1) is held for a mandatory tenor of 5 years, until maturity. 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.

~Investors should note the UOB Principal Guaranteed Structured Deposit 2018 – Series (1) does not invest into the PIMCO Funds: Global Investors Series plc – Income Fund. The UOB Principal Guaranteed Structured Deposit 2018 – Series (1) is only using the closing price of the PIMCO Funds: Global Investors Series plc – Income Fund on the set Valuation Date each year as a reference point to calculate the Annual Variable Interest on this structured deposit. PIMCO is not the issuer or guarantor of this structured deposit.

^#Morningstar Best Fixed-Income Fund House in Hong Kong (Year 2013, 2014, 2015, 2017) and in Singapore (Year 2015)

>Annual Variable Interest which is not guaranteed shall be calculated as the product of the Participation Rate and the Average Fund Performance for that year.

+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.