Structured Deposit - Previous Series

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    Participate in the Global Healthcare Megatrend with our principal guaranteed Structured Deposit (USD)

    Benefits

    The COVID-19 pandemic has supercharged innovation in the healthcare industry, accelerating research and development geared towards discovering new treatments for diseases. This makes global healthcare an attractive investment theme that can potentially offer stellar returns. 

    Participate in the growth of the Global Healthcare industry through our UOB Structured Deposit 2021 – Series (1) – a five-year USD-denominated structured deposit, with returns linked to the share price performance of three leading healthcare companies: Pfizer, Moderna and Johnson & Johnson.1

    Get started with a minimum investment of US$5,000.1

    • 100% principal guaranteed when held to maturity
    • Total guaranteed fixed interest of 3.75%1 of the principal amount over 5 years
      (equivalent to an effective interest rate       of 0.7496% a year)
    • Potentially receive up to 5%1 more in interest – Variable interest at maturity if payment condition is met2.

     

    This structured deposit is available from now till 29 October 2021.

     

    Speak to a UOB banker today

     

    Why Global Healthcare?

    View the video to learn more about the developments that could drive the growth of the healthcare industry, as well as the accompanying risks and considerations when investing in this Megatrend.

     

    How it works

    Assuming you invest US$10,000 in the UOB Structured Deposit 2021 - Series (1) and hold your investment until maturity:

    The payment condition is met2 when all 3 companies' underlying share prices close at or above their respective initial prices on the final observation date. If this happens, you will receive:

    • a total interest rate of 8.75% of the principal amount over 5 years
      (comprising the total guaranteed fixed interest rate of 3.75% + maturity variable interest rate of 5%)
    If the payment condition is met2 Amount
    Principal US$10,000
    Total guaranteed fixed interest of 3.75% US$375
    Maturity variable interest of 5% US$500
    Total payout at maturity US$10,875

     

    The payment condition is not met3 when not all 3 companies' underlying share prices close at or above their respective initial prices on the final observation date. If this happens, you will receive:

    • a total interest rate of 3.75% over 5 years
      (comprising the total guaranteed fixed interest rate of 3.75% + maturity variable interest rate of 0%)
    If the payment condition is not met3 Amount
    Principal US$10,000
    Total guaranteed fixed interest of 3.75% US$375
    Maturity variable interest of 5% US$0
    Total payout at maturity US$10,375

     

    At a glance

    Investment currency US Dollar (USD)
    Tenor 5 Years
    Guaranteed fixed interest Year 1: 0.75%
    Year 2: 0.75%
    Year 3: 0.75%
    Year 4: 0.75%
    Year 5: 0.75%
    Maturity variable interest Payable upon maturity:
    If payment condition is met, maturity variable interest rate is 5.00%
    Otherwise, maturity variable interest rate is 0%
    Minimum effective interest rate 0.7496% per annum
    (Based on total guaranteed minimum interest of 3.75% of the principal amount if held to maturity.)
    Shares in underlying basket Moderna (MRNA UQ) + Pfizer (PFE UN) + Johnson & Johnson (JNJ UN)
    Key product risks for the investor
    • The credit risk of UOB
    • A tenor of 5 years
    • In the worst-case scenario, the total minimum interest payable is 3.75%1 of the principal amount if the structured deposit is held until maturity.
    • An illiquid secondary market for the structured deposit, should the investor seek to unwind this structured deposit before the maturity date. Potential loss of the principal amount if the investment is not held to maturity.

     

    Important Notes

    1Product 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.

    2An example of payment condition met:

    Share Initial Price Closing Price on Final Observation Date
    Johnson & Johnson (JNJ UN) 169.00 171.00
    Moderna (MRNA UQ) 430.00 435.00
    Pfizer (PFE UN) 43.90 44.50
    All 3 shares ≥ Initial Price? Yes
    Maturity variable interest rate 5.00%

    3An example of payment condition not met:

    Share Initial Price Closing Price on Final Observation Date
    Johnson & Johnson (JNJ UN) 169.00 171.00
    Moderna (MRNA UQ) 430.00 425.00
    Pfizer (PFE UN) 43.90 44.50
    All 3 shares ≥ Initial Price? No
    Maturity variable interest rate 0%

     

    Disclaimers

    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 or conclude any transaction. The amount placed in the UOB Principal Guaranteed Structured Deposit 2021 – 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 Principal Guaranteed Structured Deposit 2021 – 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 Principal Guaranteed Structured Deposit 2021 – Series (1) is suitable for you. Structured deposits are not fixed deposits. Unlike traditional deposits, the UOB Principal Guaranteed Structured Deposit 2021 – 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 (Chapter 77B). This advertisement has not been reviewed by the Monetary Authority of Singapore.

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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 Principal Guaranteed Structured Deposit 2019 – Series (1)*. 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 1.84364% a year)
    • 100% Principal Amount guaranteed when held to maturity
    • Maturity Variable Interest of up to 2.75% linked to 5 Singapore Company Shares*

    Offer ends 20 February 2019^. 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.)

    End of Year Guaranteed Fixed Interest Rate on Principal Amount Maturity Variable Interest Rate on Principal Amount Total Interest Payable
    1 2.10% - 2.10%
    2 2.10% - 2.10%
    3 2.10% - 2.10%
    4 2.10% - 2.10%
    5 2.10% - 2.10%
    At maturity - 2.75% 2.75%
    Total interest payout 10.50% 2.75% 13.25%
    Principal + Interest payout S$10,000 + S$1,050 + S$275 = S$11,325

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

    End of Year Guaranteed Fixed Interest Rate on Principal Amount Maturity Variable Interest Rate on Principal Amount Total Interest Payable
    1 2.10% - 2.10%
    2 2.10% - 2.10%
    3 2.10% - 2.10%
    4 2.10% - 2.10%
    5 2.10% - 2.10%
    At maturity - 0.50% 0.50%
    Total interest payout 10.50% 0.50% 11%
    Principal + Interest payout S$10,000 + S$1,050 + S$50 = S$11,100

    At a glance

    Investment Currency Singapore Dollars (SGD)
    Tenor 6 Years
    Offer Period 1 February 2019 to 20 February 2019^
    Guaranteed Fixed Interest Payable at the end of:
    Year% of the Principal Amount
    1 2.10%
    2 2.10%
    3 2.10%
    4 2.10%
    5 2.10%
       

    Total Guaranteed Fixed Interest = 10.50%
    Maturity Variable Interest Minimum at 0.5% of the Principal Amount and maximum at 2.75% of the Principal Amount*
    Total Guaranteed Minimum Interest 11%* of the Principal Amount (Being Total Guaranteed Fixed Interest of 10.50% plus minimum Maturity Variable Interest of 0.5%)
    Minimum Effective Interest Rate 1.84364% per annum
    (Based on total guaranteed minimum interest of 11%* of the Principal Amount.)
    Shares in Underlying Basket
    • CapitaLand Limited (“CAPL”)
    • DBS Group Holdings Limited (“DBS”)
    • Keppel Corporation Limited (“KEP”)
    • Oversea-Chinese Banking Corporation Limited (“OCBC”)
    • Singapore Telecommunications Limited (“ST”)
    Key Product Risks For The Investor
    • The credit risk of UOB
    • The worst case scenario of 11%* of the Principal Amount over 6 years if the Structured Deposit is held until maturity
    • An illiquid secondary market for the Structured Deposit, should the investor seek to unwind this Structured Deposit before the maturity date. Potential loss of the Principal Amount if the investment is not held to maturity.

    ^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.

    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 2019 – 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 Principal Guaranteed Structured Deposit 2019 – 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 Principal Guaranteed Structured Deposit 2019 – Series (1) is suitable for you.

    Structured deposits are not fixed deposits. Unlike traditional deposits, the UOB Principal Guaranteed Structured Deposit 2019 – 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 (Chapter 77B).

    This advertisement has not been reviewed by the Monetary Authority of Singapore.

    United Overseas Bank Limited Co. Reg. No. 193500026Z 
    February 2019

    Monitor / View Past Performance

    Breathe life into your savings with UOB Structured Deposits

    Make your money work as hard as you do with UOB Principal Guaranteed Structured Deposit 2019 – Series (2). Get started with a minimum investment of SGD 5,000.

    • 2.1% p.a. Guaranteed Fixed Interest* for 5 years.
    • Maturity Variable Interest of up to 2.75% (minimum of 0.5%)^ in Year 6, linked to 5 Singapore Company Shares
    • 100% Principal Amount guaranteed when held to maturity

    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.)

    End of Year Guaranteed Fixed Interest Rate on Principal Amount Maturity Variable Interest Rate on Principal Amount Total Interest Payable
    1 2.10% - 2.10%
    2 2.10% - 2.10%
    3 2.10% - 2.10%
    4 2.10% - 2.10%
    5 2.10% - 2.10%
    At maturity - 2.75% 2.75%
    Total interest payout 10.50% 2.75% 13.25%
    Principal + Interest payout S$10,000 + S$1,050 + S$275 = S$11,325

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

    End of Year Guaranteed Fixed Interest Rate on Principal Amount Maturity Variable Interest Rate on Principal Amount Total Interest Payable
    1 2.10% - 2.10%
    2 2.10% - 2.10%
    3 2.10% - 2.10%
    4 2.10% - 2.10%
    5 2.10% - 2.10%
    At maturity - 0.50% 0.50%
    Total interest payout 10.50% 0.50% 11%
    Principal + Interest payout S$10,000 + S$1,050 + S$50 = S$11,100

    At a glance

    Investment Currency Singapore Dollars (SGD)
    Tenor 6 Years
    Offer Period 11 March 2019 to 21 March 2019#
    Guaranteed Fixed Interest Payable at the end of:
    Year% of the Principal Amount
    1 2.10%
    2 2.10%
    3 2.10%
    4 2.10%
    5 2.10%
       

    Total Guaranteed Fixed Interest = 10.50%
    Maturity Variable Interest Minimum at 0.5% of the Principal Amount and maximum at 2.75% of the Principal Amount*
    Total Guaranteed Minimum Interest 11%~ of the Principal Amount (Being Total Guaranteed Fixed Interest* of 10.50% plus minimum Maturity Variable Interest of 0.5%)
    Minimum Effective Interest Rate 1.84360% per annum
    (Based on Total Guaranteed Minimum Interest of 11%~ of the Principal Amount.)
    Shares in Underlying Basket
    • Ascendas Real Estate Investment Trust (“AREIT”)
    • CapitaLand Limited (“CAPL”)
    • DBS Group Holdings Limited (“DBS”)
    • Keppel Corporation Limited (“KEP”)
    • Oversea-Chinese Banking Corporation Limited (“OCBC”)
    Key Product Risks For The Investor
    • The credit risk of UOB
    • The worst case scenario of 11%~ of the Principal Amount over 6 years if the Structured Deposit is held until maturity
    • An illiquid secondary market for the Structured Deposit, should the investor seek to unwind this Structured Deposit before the maturity date. Potential loss of the Principal Amount if the investment is not held to maturity.

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

     

    *Guaranteed Fixed Interest of 2.1% p.a. of the Principal Amount applies only if the Principal Amount is held 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.

     

    ^2.75% Maturity Variable Interest Rate of the Principal Amount is only payable on Year 6 if the Payment Condition is met; otherwise, the investor shall receive a Maturity Variable Interest of 0.50% of the Principal Amount instead.

    ~The total guaranteed minimum interest of 11.00% (being Total Guaranteed Fixed Interest of 10.50% plus minimum Maturity Variable Interest of 0.50%) of the Principal Amount payable over the Tenor is equivalent to an effective interest rate of 1.84360% per annum if this Structured Deposit is held until maturity.

    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 2019 – 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 Principal Guaranteed Structured Deposit 2019 – 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 Principal Guaranteed Structured Deposit 2019 – Series (2) is suitable for you.

    Structured deposits are not fixed deposits. Unlike traditional deposits, the UOB Principal Guaranteed Structured Deposit 2019 – 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 (Chapter 77B).

    This advertisement has not been reviewed by the Monetary Authority of Singapore.

    United Overseas Bank Limited Co. Reg. No. 193500026Z 
    March 2019

    Monitor / View Past Performance

    Breathe life into your savings with UOB Structured Deposits

    Make your money work as hard as you do with UOB Principal Guaranteed Structured Deposit 2019 – Series (3). Get started with a minimum investment of S$5,000.

    • Get up to 3%^ p.a Bonus Interest (or a minimum of 0.5%^ p.a) with a 3-year investment term (Annual Bonus Interest is linked to the performance of 3 Singapore company shares).
    • 100% Principal Amount guaranteed when held to maturity

    Offer ends 23 May 2019#.

    Speak to a UOB Personal Banker for more details.

    Buy Online +

    (For cash investments only)

     

    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 each Annual Observation Date.)

    From the end of the 1st year onwards, Bonus Interest will be paid depending on the performance of the Shares.
    Assuming the Initial Price and the Closing Price of the Shares on each Observation Date are as follows:

    Share Initial Price 100% of Initial Price Observation Date (1) Observation Date (2) Observation Date (3)
    DBS 27.41 27.41 27.50 27.80 28.20
    OCBC 11.81 11.81 11.90 11.95 12.05
    ST 3.13 3.13 3.85 4.50 4.65
    All Shares ≥ 100.00% of Initial Price? Yes Yes Yes
    Bonus Interest Rate 3.0% 3.0% 3.0%
    From the above table:
    Since all Shares close at or above 100% of their respective Initial Prices on all Observation Dates, Bonus Interest of 3% of Principal Amount will be paid on all 3 Interest Payment Dates.

    Total Bonus Interest = (3 × 3.0%) × SGD 10,000 = SGD 900

    In this example, for a Principal Amount of SGD 10,000, the investor will get a total interest of SGD 900 (i.e. SGD 900 (being the Total Bonus Interest) for 3 years.

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

    From the end of the 1st year onwards, Bonus Interest will be paid depending on the performance of the Shares.
    Assuming the Initial Price and the Closing Price of the Shares on each Observation Date are as follows:

    Share Initial Price 100% of Initial Price Observation Date (1) Observation Date (2) Observation Date (3)
    DBS 27.41 27.41 27.20 27.00 27.10
    OCBC 11.81 11.81 11.50 11.45 12.92
    ST 3.13 3.13 3.85 4.50 4.65
    All Shares ≥ 100.00% of Initial Price? No No No
    Bonus Interest Rate 0.50% 0.50% 0.50%
    From the above table:
    Since not all Shares close at or above 100% of their respective Initial Prices on all Observation Dates, Bonus Interest of 0.5% of Principal Amount will be paid on all 3 Interest Payment Dates.

    Total Bonus Interest = (3 × 0.5%) × SGD 10,000 = SGD 150

    In this example, for a Principal Amount of SGD 10,000, the investor will get a total interest of SGD 150 (i.e. SGD 150 (being the Total Bonus Interest) for 3 years.

    At a glance

    Investment Currency Singapore Dollars (SGD)
    Tenor 3 Years
    Offer Period 06 May 2019 to 23 May 2019#
    Annual Bonus Interest Minimum at 0.5% p.a of the Principal Amount and maximum at 3.00% p.a of the Principal Amount
    Total Guaranteed Minimum Interest 1.50%~ of the Principal Amount (Being Total Minimum Bonus Interest of 1.50% across 3 years)
    Minimum Effective Interest Rate 0.4995% per annum
    (Based on Total Guaranteed Minimum Interest of 1.50%~ of the Principal Amount.)
    Shares in Underlying Basket
    • DBS Group Holdings Limited (“DBS”)
    • Oversea-Chinese Banking Corporation Limited (“OCBC”)
    • Singapore Telecommunications Limited (“ST”)
    Key Product Risks For The Investor
    • The credit risk of UOB
    • The worst case scenario of 1.50%~ of the Principal Amount over 3 years if the Structured Deposit is held until maturity
    • An illiquid secondary market for the Structured Deposit, should the investor seek to unwind this Structured Deposit before the maturity date. Potential loss of the Principal Amount if the investment is not held to maturity.

    ^

    3.00% p.a Bonus Interest of the Principal Amount is only payable if the Payment Condition is met; otherwise, the investor shall receive a Minimum Bonus Interest of 0.50% p.a of the Principal Amount instead. Equivalent to a minimum effective interest rate of 0.4995% p.a (based on the total guaranteed minimum interest of 1.50% payable across 3 years) or equivalent to a potential effective interest rate of 2.9968% p.a (based on the total guaranteed minimum interest of 9.00% payable across 3 years) if this Structured Product is held to maturity.

       

    #

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

    +

    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.
       

    ~

    The total guaranteed minimum interest of 1.50% (being Total minimum Bonus Interest of 1.50% of the Principal Amount payable over the 3-year Tenor is equivalent to an effective interest rate of 0.4995% per annum if this Structured Deposit is held 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.
       

    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 2019 – 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 Principal Guaranteed Structured Deposit 2019 – 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 Principal Guaranteed Structured Deposit 2019 – Series (3) is suitable for you.

    Structured deposits are not fixed deposits. Unlike traditional deposits, the UOB Principal Guaranteed Structured Deposit 2019 – 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 (Chapter 77B).

    This advertisement has not been reviewed by the Monetary Authority of Singapore.

    United Overseas Bank Limited Co. Reg. No. 193500026Z

    Monitor / View Past Performance

    Breathe life into your savings with UOB Structured Deposits

    Make your money work as hard as you do with UOB Structured Deposit 2019 – Series (5). Get started with a minimum investment of S$5,000.

    • 3%^ p.a Bonus Interest (or a minimum of 0.5%^ p.a) with a 3-year investment term (Annual Bonus Interest is linked to the performance of 3 Singapore company shares)
    • 100% Principal Amount guaranteed when held to maturity

     

    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 each Annual Observation Date.)

    From the end of the 1st year onwards, Bonus Interest will be paid depending on the performance of the Shares.
    Assuming the Initial Price and the Closing Price of the Shares on each Observation Date are as follows:

    Share Initial Price 100% of Initial Price Observation Date (1) Observation Date (2) Observation Date (3)
    DBS 25.00 25.00 26.50 25.80 27.00
    OCBC 10.80 10.80 11.50 11.80 12.00
    ST 3.20 3.20 3.50 3.60 3.40
    All Shares ≥ 100.00% of Initial Price? Yes Yes Yes
    Bonus Interest Rate 3.0% 3.0% 3.0%
    From the above table:
    Since all Shares close at or above 100% of their respective Initial Prices on all Observation Dates, Bonus Interest of 3% of Principal Amount will be paid on all 3 Interest Payment Dates.

    Total Bonus Interest = (3 × 3.0%) × SGD 10,000 = SGD 900

    In this example, for a Principal Amount of SGD 10,000, the investor will get a total interest of SGD 900 (i.e. SGD 900 (being the Total Bonus Interest) for 3 years.

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

    From the end of the 1st year onwards, Bonus Interest will be paid depending on the performance of the Shares.
    Assuming the Initial Price and the Closing Price of the Shares on each Observation Date are as follows:

    Share Initial Price 100% of Initial Price Observation Date (1) Observation Date (2) Observation Date (3)
    DBS 25.00 25.00 24.80 25.20 24.50
    OCBC 10.80 10.80 10.60 11.00 10.00
    ST 3.20 3.20 3.00 2.90 3.10
    All Shares ≥ 100.00% of Initial Price? No No No
    Bonus Interest Rate 0.50% 0.50% 0.50%
    From the above table:
    Since not all Shares close at or above 100% of their respective Initial Prices on all Observation Dates, Bonus Interest of 0.5% of Principal Amount will be paid on all 3 Interest Payment Dates.

    Total Bonus Interest = (3 × 0.5%) × SGD 10,000 = SGD 150

    In this example, for a Principal Amount of SGD 10,000, the investor will get a total interest of SGD 150 (i.e. SGD 150 (being the Total Bonus Interest) for 3 years.

    At a glance

    Investment Currency Singapore Dollars (SGD)
    Tenor 3 Years
    Offer Period 10 June 2019 to 20 June 2019#
    Annual Bonus Interest Minimum at 0.5% p.a of the Principal Amount and maximum at 3.00% p.a of the Principal Amount
    Total Guaranteed Minimum Interest 1.50%~ of the Principal Amount (Being Total Minimum Bonus Interest of 1.50% across 3 years)
    Minimum Effective Interest Rate 0.4995% per annum
    (Based on Total Guaranteed Minimum Interest of 1.50%~ of the Principal Amount.)
    Shares in Underlying Basket
    • DBS Group Holdings Limited (“DBS”)
    • Oversea-Chinese Banking Corporation Limited (“OCBC”)
    • Singapore Telecommunications Limited (“ST”)
    Key Product Risks For The Investor
    • The credit risk of UOB
    • The worst case scenario of 1.50%~ of the Principal Amount over 3 years if the Structured Deposit is held until maturity
    • An illiquid secondary market for the Structured Deposit, should the investor seek to unwind this Structured Deposit before the maturity date. Potential loss of the Principal Amount if the investment is not held to maturity.

    ^

    3.00% p.a Bonus Interest of the Principal Amount is only payable if the Payment Condition is met; otherwise, the investor shall receive a Minimum Bonus Interest of 0.50% p.a of the Principal Amount instead. Equivalent to a minimum effective interest rate of 0.4995%+ p.a (based on the total guaranteed minimum interest of 1.50% payable across 3 years) or equivalent to a potential effective interest rate of 2.9969%+ p.a (based on the total guaranteed minimum interest of 9.00% payable across 3 years) if this Structured Product is held to maturity.

       

    ~

    The total guaranteed minimum interest of 1.50% (being Total minimum Bonus Interest of 1.50% of the Principal Amount payable over the 3-year Tenor is equivalent to an effective interest rate of 0.4995% per annum if this Structured Deposit is held until maturity.

       

    #

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

    +

    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.
       

    *

    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.
       

    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 2019 – 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 Principal Guaranteed Structured Deposit 2019 – 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 Principal Guaranteed Structured Deposit 2019 – Series (5) is suitable for you.

    Structured deposits are not fixed deposits. Unlike traditional deposits, the UOB Principal Guaranteed Structured Deposit 2019 – 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 (Chapter 77B).

    This advertisement has not been reviewed by the Monetary Authority of Singapore.

    United Overseas Bank Limited Co. Reg. No. 193500026Z

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    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.