Structured Deposit - Previous Series

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Please note that the application for Structured Deposit – Abundance Deposit (SGD/USD/AUD) closed on 22 January 2007. A snapshot of the account is appended below.
Features of UOB Abundance Deposit*:
  • Protection first. 100% of your principal is guaranteed at maturity or early redemption by UOB
  • Guaranteed interest at the end of Year 1 if the Deposit is held till the 1st Interest Payment Date
  • Advantage of diversification with participation in three selected Asset Classes: Equity (Indices), Real Estate (Indices) and Commodities
  • Participation in four selected Investment Style Portfolios with different asset allocation
  • Possibility for early redemption and possible Trigger Bonus Interest from the end of Year 2 onwards
  • Potential Maturity Bonus if Trigger Event has not occurred
  • Maturity Bonus Interest is linked to the best performing Investment Style Portfolio

 SGDUSDAUD
  Guaranteed interest payable at the end of Year 1 6% of principal 7% of principal 8% of principal
  Condition for Trigger Event Trigger Event occurs IF on certain specified dates, the Average Performance of the 4 Investment Style Portfolios exceeds or equals the Trigger Level.
  Consequences of a Trigger Event Upon the occurrence of a Trigger Event, UOB will redeem the UOB Abundance Deposit early and pay the applicable Trigger Bonus Interest.
  Trigger Level (determined by UOB on Initial Valuation Date) 30% 19% 8%
  Maximum Tenor (if Trigger Event does not occur) 4 years, 11 months & 2 weeks 4 years 4 years
  Interest Rate (assuming no other interest is paid for the maximum tenor) 1.16% p.a. 1.796% p.a. 2.060% p.a.

* Product terms and conditions apply. Please refer to the termsheets for more details. All undefined capitalised terms are defined in the termsheets.

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Please note that applications for Structured Deposit – Ace 688 Deposit (SGD/USD) closed on 29 April 2006. Below is a snapshot of the account.
Features of Ace 688 Deposit*
  • Protection first. 100% of your principal is guaranteed upon maturity or early redemption by UOB#
  • Guaranteed fixed interest of 6% of your principal for the first year of the tenor~
  • Potential variable interest. From the 2nd year of the tenor onwards, variable interest depends on the number of shares underperforming the Dow Jones Global Titans 50 Index^ by more than the downside buffer. The maximum variable interest is 8% p.a.
  • Large downside buffer. The downside buffer is between 15% and 24%, depending on the currency of the structured deposit
  • Auto-correction feature. Up to 2 shares per year are automatically removed from the underlying basket for subsequent years if they underperform the Dow Jones Global Titans 50 Index by 50% or more on the 2nd observation date of that year

 SGD TrancheUSD Tranche
  Guaranteed fixed interest payable at the end of the 1st year 6% p.a. 6% p.a.
  Tenor (depending on whether   early redemption by UOB occurs) 2 to 5½ years 2 to 4 years
  N N is the number of Shares under-performing DJGT by more than the downside buffer on the 2 Observation Dates of each year.
  Variable interest payable from   the 2nd year to maturity 8% p.a. if N = 0,
4% p.a. if N = 1,
1% p.a. if N = 2,
0% p.a. if N > 2.
8% p.a. if N = 0,
4% p.a. if N = 1,
1% p.a. if N = 2,
0% p.a. if N > 2.
  Early redemption event When the maximum variable interest (8% p.a.) is paid in any year
  Downside buffer 15% 24%
  Minimum effective interest rate   (if no variable interest until   maturity and there is no early   redemption by UOB) 1.12% p.a. 1.53% p.a.

Underlying Index and Underlying Basket of 16 Shares:
NameBloomberg Code   Initial Reference Price (2 May 2006)
   Dow Jones Global Titans 50 Index DJGT 210.13
   American International Group AIG UN USD65.32
   Barclays Plc BARC LN GBp690.50
   BP Plc BP/ LN GBp688.00
   Cisco System Inc CSCO UQ USD21.39
   Total SA FP FP EUR54.69**
   Morgan Stanley MS UN USD64.14
   Int'l Business Machines Corp IBM UN USD82.42
   Conocophillips COP UN USD69.18
   Intel INTC UQ USD19.59
   JP Morgan Chase JPM UN USD45.50
   Citigroup Inc C UN USD49.60
   Royal Dutch Shell RDSA NA EUR27.59
   Toyota Motor Corp 7203 JT JPY6,800
   Astrazeneca Plc AZN LN GBp3,013.00
   Wyeth WYE UN USD48.86
   Pfizer Inc PFE UN USD25.18


Note
* Product terms and conditions apply. For each currency, please refer to the respective term sheet for more details.
# The 100% principal guarantee is applicable only upon maturity or early redemption of the structured deposit by UOB (whichever is earlier) in its denominated currency. If your structured deposit is withdrawn before the maturity date or early redemption date, you may receive less than the principal amount.
~ The guaranteed interest of 6% p.a. will be paid on the 1st Interest Payment Date provided that the structured deposit has not been withdrawn before the 1st Interest Payment Date.
^ "Dow Jones", "Dow Jones Global Titans 50 Index" and "DJGT50" are service marks of Dow Jones & Company, Inc. and have been licensed for use for certain purposes by United Overseas Bank Limited. UOB Structured Deposit – Ace 688 Deposit based on the Dow Jones Global Titans 50 IndexSM, is not sponsored, endorsed, sold or promoted by Dow Jones, and Dow Jones makes no representation regarding the advisability of investing in such product(s).

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10 Year SGD Callable Range Accrual

Kindly note that UOB Apex 15 closed on 1 November 2008.

10-year SGD-denominated structured deposit which guarantees 100% of your principal amount if held to maturity or early redemption by the Bank, whichever is earlier.

Key Benefits:

  • 100% Principal Guaranteed by United Overseas Bank Limited, provided that the Structured Deposit is held to maturity or early redemption by the Bank, whichever is earlier.
  • Interest rate of up to 5.05% per annum ("p.a."), depending on the number of days in an interest period the 3-month SGD SOR is between 0% and 3.8% per annum, both inclusive. The effective interest rate ranges from 0% to 5.05% per annum.
  • Possibility of early redemption by the Bank on any interest payment date.


Note:
Product terms and conditions apply. Please see the indicative term sheet for more details. All undefined capitalised terms shall have the meanings given to them in the indicative term sheet.

Important Notice and Disclaimers:
The above is not to be used or considered as an offer, or invitation to offer, to sell or buy the above product or any of the securities or other investment products referred to herein, and does not constitute a recommendation by the Bank to enter into any transaction or any form of commitment by the Bank to enter into any transaction. Nothing herein constitutes investment, legal, accounting or tax advice, or a representation that any investment is suitable for or appropriate to your investment objectives, financial situation and particular needs, or otherwise constitutes a personal recommendation to you. While based on information believed to be reliable, the above are provided on an "as is" basis. The Bank does not make any representation or warranty as to the accuracy or completeness of the information above.

Monitor / View Past Performance Champion Deposit (Tranche A)

Please note that applications for Structured Deposit – Champion Deposit (Tranche A) closed on 8 September 2006. Below is a snapshot of the account.
Features of Champion Deposit^
  • Protection first. 100% principal guaranteed at maturity or early redemption by UOB
  • Guaranteed interest at the end of Year 1 if the deposit amount is held till the 1st interest payment date
  • Advantage of diversification with participation in 3 selected Asset Classes
    (Equity, Currency and Commodity)
  • Participation in 3 selected Investment Style Portfolios with different asset allocation:
    Aggressive Equity Portfolio (60% in Equity), Balanced Portfolio (1/3 in each Asset Class) and Commodity Biased Portfolio (70% in Commodity)
  • Possibility of early redemption and possible Trigger Bonus Interest from the end of Year 2 onwards
  • Potential Maturity Bonus if Trigger Event has not occurred
  • Maturity Bonus Interest is linked to the best performing Investment Style Portfolio

    Note:
    The performance of any Investment Style Portfolio is calculated using the weighted average semi-annual performance of the underlying Assets measured against the Initial Valuation Date

^Product terms and conditions apply. Please refer to the termsheets for more details. All undefined capitalised terms shall have the meaning given to them in the termsheets.

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Please note that the application for the UOB DoubleProsperity Deposit (SGD) has closed on 15 September 2007. A snapshot of the account is appended below.
Features of UOB DoubleProsperity Deposit*:
  • Protection first. 100% of principal guaranteed* by UOB if the structured deposit is held until maturity or Early Redemption by the Bank
  • Guaranteed interest of 2.5% of the principal at the end of the 1st Quarter (equivalent to 10% p.a.)^, if the deposit is held till the first Interest Payment Date
  • Potential interest of up to 2.5% of the principal at every Quarter (equivalent to 10% p.a.)^, starting from the end of the 2nd Quarter
  • Possibility of Trigger Event occurring every Quarter starting from the end of 1st Quarter
  • Tenor: Minimum 3 months, maximum 5 years, depending on whether a Trigger Event has occurred

Notes:
* Product terms and conditions apply. Please refer to the termsheet for more details. All undefined capitalized terms are defined in the termsheets.
^ If no Variable Interest is paid for the whole Tenor, the minimum effective interest rate is 0.51% p.a.

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Please note that the application for the UOB GrowthValue Deposit (SGD/USD/AUD) closed on 13 April 2007. A snapshot of the account is appended below.
Features of UOB GrowthValue Deposit*:
  • Protection first. 100% of principal guaranteed at maturity or early redemption by UOB
  • Guaranteed interest at the end of Year 1 if the deposit is held till the first Interest Payment Date
  • Advantage of semi-active asset management through S&P Pure Style Strategy Index^
  • Benefit from the outperformance of S&P Pure Style Strategy Index against S&P Total Return Index^, which can occur in both bull and bear markets
  • Possibility of Trigger Event occurring and Trigger Bonus Interest starting from the end Year 2. The UOB GrowthValue Deposit will be redeemed by the Bank before the Final Maturity Date if a Trigger Event occurs
  • Potential Maturity Bonus Interest on Final Maturity Date if Trigger Event has not occurred
  • No cap on the Trigger Bonus Interest or the Maturity Bonus

 SGDUSDAUD
Tenor Max 4 Yrs 11 mths 2 wks
Min 2 years
Max 4 Yrs
Min 2 Yrs
Max 4 Yrs
Min 2 Yrs
Guaranteed interest+ 6.18% at the end of Yr 1 7.18% at the end of Yr 1 8.18% at the end of Yr 1
Trigger Condition On each redemption date, PR x Average Monthly Relative Performance > Trigger Level
Participation Rate 38% 68% 138%
Trigger Event Deemed to have occurred if Trigger Condition is met on a relevant Valuation Date
Trigger Bonus Interest (Payable only if Trigger Event occurs) PR x Average Monthly Relative Performance x Deposit Amount
Maturity Bonus Interest (Payable only if Trigger Event occurs) Max (0, PR x Average Monthly Relative Performance at maturity) x Deposit Amount

Product terms and condition apply. Please refer to the respective termsheets for more details. All undefined capitalized terms are defined in the termsheets.

+ If no variable interest is paid for the whole Tenor, minimum effective interest rates are 1.276% p.a. for SGD deposits, 1.843% p.a. for USD deposits and 2.108% p.a. for AUD deposits. Guaranteed Interest is payable only if held till the respective payout dates.

^ Index Disclaimer: "Standard & Poor's", "S&P", "S&P 500", "Standard & Poor's 500", "S&P Pure Style Strategy" and "Standard & Poor's Pure Style Strategy" are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by United Overseas Bank Limited. The Product is not sponsored, endorsed, sold or promoted by Standard & Poor's and Standard & Poor's makes no representation regarding the advisability of investing in the Product.

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Please note that UOB Structured Deposit - Maestro 3 closed on 3 September 2004 Below is a snapshot of the Account

Features of Maestro 3 Deposit*

  • 100% of principal is guaranteed upon maturity or early redemption by UOB#
  • Tenor of 10 years, with possibility of early redemption by the bank. The structured deposit will be early redeemed by the bank once the sum of all interest paid on the structure deposit (taking into account the 1st quarter interest guaranteed but excluding any bonus interest payable) equals the Target Rate.

 

Maestro 3 DepositSGDUSDAUD
Guaranteed Fixed Interest (payable in 1st qtr of the tenor) 8.8% 12.8% 18.8%
Target Rate 9% 13% 19%

 

  • Downside protection of 4%. For any quarter of the tenor, starting from the 2nd quarter, as long as the price of worst performing share in the underlying basket drops by less than 4% for that quarter, interest will be earned for that quarter.
  • Additional one-time increasing bonus will be paid if the Target Rate is reached after the 1st year. For the avoidance of doubt, no bonus will be paid if the Target Rate is reached only as a result of any residual interest being payable on the final maturity date^


Note
* Terms and conditions apply. Please refer to Maestro 3 Deposit (SGD / USD / AUD) term sheet for details.
# The 100% principal guarantee is applicable only upon maturity or early redemption of the structured deposit by UOB (whichever is earlier) in its denominated currency. If your structured deposit is withdrawn before the maturity date or early redemption date, you may receive less than the principal amount.
^ A Trigger Event shall not be deemed to occur if the Target Rate is reached only as a result of any Residual Interest being payable.

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Please note that applications for the UOB Performance Deposit (SGD/USD/AUD) closed on 26 May 2007. A snapshot of the account is appended below.
Features of UOB Performance Deposit*:
    • Protection first. 100% of principal is guaranteed at maturity or early redemption by UOB, whichever is earlier
    • Guaranteed interest at the end of first quarter if the Deposit is held till the first Interest Payment Date
    • Advantage of diversification in 3 different Asset Classes (Equity, Commodity and Bond)
    • Participation in 2 Investment Style Portfolios with different asset allocation:
      • Aggressive Portfolio (75% weighting in Equity Basket and Commodity Basket) and
      • Defensive Portfolio (75% weighting in Bond Index)
    • Possibility of Trigger Event occurring and Trigger Bonus Interest starting from the end of 2nd quarter
    • Potential Maturity Bonus Interest on Final Maturity Date if Trigger Event has not occurred
    • No cap on the Maturity Bonus Interest (If any)

 SGDSGDUSDAUD
  Tenor Max 3 Yrs
Min 6 Mths
Max 5 Yrs
Min 6 Mths
Max 4 Yrs
Min 6 Mths
Max 4 Yrs
Min 6 Mths
  Guaranteed interest 2% flat at the end of 1st Quarter 4% flat at the end of 1st Quarter 5% flat at the end of 1st Quarter 8% flat at the end of 1st Quarter
  2 Investment Style Portfolios Aggressive Portfolio:
75% in Equity Basket and Commodity Basket, 25% in Bond Index
Defensive Portfolio:
25% in Equity Basket and Commodity Basket, 75% in Bond Index
  Trigger Level Q2: 15%
Q3, Q4: 16%
Q5, Q6: 17%
Q7, Q8: 18%
Q9, Q10: 19%
Q11: 20%
Q2: 19%
Q3, Q4: 19%
Q5 to Q8: 24%
Q9 to Q12: 28%
Q13 to Q19: 30%
Q2 to Q15: 20% Q2 to Q15: 18%
  Trigger Condition On any possible Early Redemption Date, the average return of Aggressive Portfolio and Defensive Portfolio > Trigger Level
  Trigger Bonus   (payable only if Early   Redemption by UOB   occurs) Q2: 2%
Q3, Q4: 3%
Q5, Q6: 4%
Q7, Q8: 5%
Q9, Q10: 6%
Q11: 7%
Q2 to Q4: 4%
Q5 to Q8: 6%
Q9 to Q12: 8%
Q13 to Q19: 10%
Q2 to Q4: 6%
Q5 to Q8: 10%
Q9 to Q12: 12%
Q13 to Q15: 14%
Q2 to Q4: 8%
Q5 to Q8: 12%
Q9 to Q12: 14%
Q13 to Q15: 16%
  Participation Rate   (PR) 30% 30% 75% 100%
  Minimum Effective   Interest Rate   (assuming no Trigger   Bonus Interest or   Maturity Bonus   Interest is paid until   maturity) 0.6733% 0.8203% 1.2845% 2.0934%
  Maturity Bonus   Interest (if any) (if   Early Redemption   does not occur) PR x Final Return of Better Performing Portfolio,
Where Better Performing Portfolio is the portfolio amongst Aggressive Portfolio and Defensive Portfolio with the higher returns on maturity
and Maturity Bonus Interest is not capped

* Product terms and condition apply. Please refer to the respective termsheets for more details. All undefined capitalized terms are defined in the termsheets.

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Please note that applications for Structured Deposit - Prosperity 8 / Prosperity 17 Deposits closed on 18 Aug 2005. Below is a snapshot of the Account.
Prosperity 8 Deposit
  • Guaranteed fixed interest payout of 7% on a SGD deposit* at the end of Year 1 (minimum effective interest rate 0.723% p.a.)

Prosperity 17 Deposit
  • Guaranteed fixed interest payout of 16% on a USD deposit** at the end of Year 1 (minimum effective interest rate of 1.726% p.a.)

Features of Prosperity 8/Properity 17 Deposit
  • 100% of your principal is guaranteed upon maturity or early redemption by UOB#
  • Tenor of between 2 and 10 years, depending on early redemption by UOB
  • Potential variable interest rate of up to 1% is linked to the performance of the 2nd worst performing share price of 20 selected global financial and pharmaceutical companies^
  • Target rate for early redemption is only 1% above the guaranteed interest rate for the first year of the tenor
  • If the early redemption event occurs between the 3rd and the 10th year of the tenor, an additional early redemption bonus (ranging from 1% to 8% of the deposit amount) will be paid, depending on the year early redemption occurs
  • Participation Rate is fixed at 85% for both Prosperity 8 Deposit and Prosperity 17 Deposit

Note
* Terms and conditions apply, please refer to Prosperity 8 Deposit term sheet.
**Terms and conditions apply, please refer to Prosperity 17 Deposit term sheet.
# The 100% principal guarantee is applicable only upon maturity or early redemption of the structured deposit by UOB (whichever is earlier) in its denominated currency. If your structured deposit is withdrawn before the maturity date or early redemption date, you may receive less than the principal amount.
^The yield for the Prosperity 8 / Prosperity 17 Deposit from the 2nd year of the tenor to maturity (or early redemption by UOB, whichever is earlier) will depend on, the performance of the underlying basket and the participation rate prescribed by UOB, and such yield could accordingly be zero.
 

Stock NameInitial Reference Price
Bloomberg Code19 Aug 2005
American International Group AIG UN USD61.21
Amgen Inc AMGN UQ USD79.66
ANZ Banking Group Ltd ANZ AU AUD22.29
Barclays Plc BARC LN GBp558.00
Deutsche Bank AG DBK GY EUR71.67
Eli Lilly & Co LLY UN USD52.57
Fannie Mae FNM UN USD50.83
Freddie Mac FRE UN USD60.88
Forest Laboratories Inc FRX UN USD42.68
Genzyme Corporation GENZ UQ USD69.76
Goldman Sachs Group Inc GS UN USD111.27
Lehman Brothers Holdings Inc** LEH UN USD52.555
Merrill Lynch & Co. MER UN USD58.35
MS Dean Witter & Co MWD UN USD52.04
Pfizer Inc PFE UN USD25.55
Daiichi Sankyo Co Ltd * 4568 JT JPY2,220
Sanofi-Aventis SAN FP EUR72.70
Swiss Reinsurance RUKN VX EUR80.50
Takeda Pharmaceutical Co Ltd 4502 JT JPY5,760
Wyeth WYE UN USD45.89

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Please note that applications for UOB Structured Deposit - Swing Deposit closed on 20 Dec 2005. Below is a snapshot of the Account.
Features of Swing Deposit
  • 100% of your principal is guaranteed upon maturity #
  • Tenor of three years
  • Guaranteed interest of 1.5% per annum ("p.a") of the Deposit Amount, payable each year (equivalent to a minimum effective interest rate of 1.5% p.a.), if the structured deposit is held to interest payment date
  • Bonus interest is calculated using the absolute value of the average month-on-month return of the Straits Times Index^ in each year. In addition to the guaranteed annual interest, you can receive a potential annual bonus interest
  • Participation Rate is fixed at 35%

Notes:
* Terms and conditions apply, please refer to Swing Deposit term sheet.
# The 100% principal guarantee is applicable only upon maturity in its denominated currency. If your structured deposit is withdrawn before the maturity date or early redemption date, you may receive less than the principal amount.
^ The UOB Structured Deposit - Swing Deposit (the "Product") is not in any way sponsored, endorsed, sold, or promoted by SPH Data Services Pte Ltd or Singapore Press Holdings Ltd (collectively, the "Index Sponsor"), and the Index Sponsor bears no liability in connection with the administration, marketing or trading of the Product. No warranty or representation or guaranty of any kind whatsoever relating to the Straits Times Index (the "ST Index") or the Product is given by the Index Sponsor. The Index Sponsor is entitled to all intellectual property rights in the ST Index.

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Please note that applications for Structured Deposit - Target 9.5 / Target 19.5 Deposit closed on 30 Jun 2005. Below is a snapshot of the Account.
Target 9.5 Deposit
  • Guaranteed total fixed interest payout of 8.5% on your SGD placement for the first 2 years (minimum effective interest rate 0.880% p.a.)*


Target 19.5 Deposit
  • Guaranteed total fixed interest payout of 18.5% on your USD placement for the first 2 years (minimum effective interest rate 1.999% p.a.)**


Features of Target 9.5 / Target 19.5 Deposit
  • 100% of your principal is guaranteed upon maturity or early redemption by UOB#
  • Tenor of between 3 and 10 years. Possibility of early redemption by UOB starts from year 3
  • Potential variable interest (uncapped) from year 3 onwards until maturity or early redemption by UOB^


Notes:
* Terms and conditions apply, please refer to Target 9.5 Deposit term sheet.
**Terms and conditions apply, please refer to Target 19.5 Deposit term sheet.
# The 100% principal guarantee is applicable only upon maturity or early redemption of the structured deposit by UOB (whichever is earlier) in its denominated currency. If your structured deposit is withdrawn before the maturity date or early redemption date, you may receive less than the principal amount.
^The yield for the Target 9.5 / Target 19.5 Deposit from the 3rd year of the tenor to maturity (or early redemption by UOB, whichever is earlier) will depend on the performance of the underlying basket and the participation rate prescribed by UOB, and such yield could accordingly be zero.

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Please note that applications for Structured Deposit – TOP Deposit (SGD/USD) closed on 16 Jan 2006. Below is a snapshot of the Account.
TOP Deposit (SGD)
  • Guaranteed interest payout of 4.25% on your SGD placement at the end of the first quarter (minimum effective interest rate 0.829% p.a.)*


TOP Deposit (USD)
  • Guaranteed interest payout of 6.25% on your USD placement at the end of the first quarter (minimum effective interest rate 1.620% p.a.)**


Features of TOP Deposit (SGD / USD)
  • Protection first. 100% of your principal is guaranteed upon maturity or early redemption by UOB#
  • Guaranteed fixed interest payout for the first 3 months of the tenor
  • Potential variable interest. A potential variable interest of up to 1% is linked to the out-performance of the average return on the k worst performing shares in the underlying basket versus the Dow Jones Global Titans 50 Index^. (k is fixed at 4 for SGD placements and 5 for USD placements)
  • Only 1% away from early redemption. The target rate for early redemption is only 1% above the guaranteed interest rate for the first quarter of the tenor
  • If early redemption occurs, an additional early redemption bonus will be paid
  • Tenor of between 1.25 and 5.25 years for SGD placements*, depending on early redemption by UOB
  • Tenor of between 1 and 4 years for USD placements**, depending on early redemption by UOB

Notes:
* Terms and conditions apply, please refer to UOB TOP Deposit (SGD) term sheet.
**Terms and conditions apply, please refer to UOB TOP Deposit (USD) term sheet.
# The 100% principal guarantee is applicable only upon maturity or early redemption of the structured deposit by UOB (whichever is earlier) in its denominated currency. If your structured deposit is withdrawn before the maturity date or early redemption date, you may receive less than the principal amount.
^ "Dow Jones", "Dow Jones Global Titans 50 Index" and "DJGT50" are service marks of Dow Jones & Company, Inc. and have been licensed for use for certain purposes by United Overseas Bank Limited. UOB Structured Deposit – TOP Deposit based on the Dow Jones Global Titans 50 IndexSM, are not sponsored, endorsed, sold or promoted by Dow Jones, and Dow Jones makes no representation regarding the advisability of investing in such product(s).

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Please note that the application for Structured Deposit – Trend Deposit (SGD/USD/AUD) closed on 2 March 2007. A snapshot of the account is appended below.
Features of UOB Trend Deposit*:
  • Protection first. 100% principal guaranteed at maturity or early redemption by UOB
  • Guaranteed interest at the end of Year 1 if the deposit is held till the 1st Interest Payment Date
  • Advantage of diversification with participation in three selected Asset Classes:
    Equity, Currency and Commodity
  • Advantage of semi-active asset management using a simple rule-based trend following strategy
  • Potential for early redemption and possible Trigger Bonus Interest from the end of Year 2 onwards
  • Potential Maturity Bonus if Trigger Event has not occurred
  • No cap on the Trigger Bonus Interest or the Maturity Bonus

 SGDUSDAUD
Guaranteed interest payable at the end of Year 1 6% of principal 7% of principal 8% of principal
Condition for Trigger Event Trigger Event occurs IF on certain specified dates, (i) PR multiplied by (ii) the Average Basket Performance in excess of the Benchmark exceeds or equals (iii) the Trigger Level.
Consequences of a Trigger Event Upon the occurrence of a Trigger Event, UOB will redeem the UOB Trend Deposit early and pay the applicable Trigger Bonus Interest.
Participation Rate (to be determined by UOB on Initial Valuation Date) 30% 52% 106%
Maximum Tenor (if Trigger Event does not occur) 4 years, 11 months & 2 weeks 4 years 4 years
Minimum Effective Interest Rate (assuming no other interest is paid for the maximum tenor) 1.238% p.a. 1.796% p.a. 2.060% p.a.

* Product terms and conditions apply. Please refer to the termsheets for more details. All undefined capitalised terms are defined in the termsheets.

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Please note that the application for the UOB DragonFortune Deposit (SGD) has closed on 19 October 2007. A snapshot of the account is appended below.
Features of UOB DragonFortune Deposit*:
  • Protection first. 100% of principal guaranteed by UOB if the structured deposit is held until maturity or early redemption by UOB, whichever is earlier
  • Guaranteed interest of 2% of the principal at the end of the 1st Quarter (equivalent to 8% p.a.)^, if the deposit is held till the first Interest Payment
  • Potential interest of up to 2% of the principal at every Quarter (equivalent to 8% p.a.)^, starting from the end of the 2nd Quarter
  • Possibility of Trigger Event occurring every Quarter starting from the end of 1st Quarter
  • Tenor: Minimum 3 months, maximum 5 years, depending on whether a Trigger Event has occured

* Product terms and conditions apply. Please refer to the termsheet for more details. All undefined capitalized terms are defined in the termsheets.
^ If no Variable Interest is paid for the whole Tenor, the minimum effective interest rate is 0.404% p.a.

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Please note that the application for the UOB DragonFortune Deposit (II) (SGD) has closed on 23 November 2007. A snapshot of the account is appended below.
Features of UOB DragonFortune Deposit (II)*:
  • Protection first. 100% of principal guaranteed by UOB if the structured deposit is held until maturity or early redemption by UOB, whichever is earlier
  • Guaranteed interest of 2% of the principal at the end of the 1st Quarter (equivalent to 8% p.a.)^, if the deposit is held till the first Interest Payment Date
  • Potential interest of up to 2% of the principal at every Quarter (equivalent to 8% p.a.)^, starting from the end of the 2nd Quarter
  • Possibility of Trigger Event occurring every Quarter starting from the end of 1st Quarter
  • Tenor: Minimum 3 months, maximum 5 years, depending on whether a Trigger Event has occurred

* Product terms and conditions apply. Please refer to the termsheet for more details. All undefined capitalized terms are defined in the termsheets.
^ If no Variable Interest is paid for the whole Tenor, the minimum effective interest rate is 0.404% p.a.

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Please note that applications for Structured Deposit - UOB Grower Deposit (SGD / USD)closed on 30 Sep 2005. Below is a snapshot of the Account.
UOB Grower Deposit (SGD)
  • Guaranteed interest payout of 3.88% on your SGD placement at the end of Year 1 (minimum effective interest rate 0.6063% p.a.)*

UOB Grower Deposit (USD) 
  • Guaranteed interest payout of 6% on your USD placement at the end of Year 1 (minimum effective interest rate 1.5334% p.a.)**

Features of UOB Grower Deposit (SGD / USD)
  • 100% of your principal is guaranteed upon maturity or early redemption by UOB#
  • Guaranteed fixed interest payout at the end of the first year
  • A variable interest linked to the minimum absolute return out of the shares of 15 selected global oil, commodities and technology companies may be paid from year 2 onwards. The absolute return mechanism automatically converts negative return to positive return. Therefore, unless the minimum absolute return is zero, you can look forward to a variable interest
  • Lock-in of variable interest. Once the variable interest rate is determined for a particular year, it will become the minimum interest rate for the subsequent year. This means that your variable interest rates from year 3 will never be lower than that of the previous year
  • Tenor of between 2 and 6.50 years for SGD placements*, subject to early redemption by UOB when your variable interest rate from year 2 equals or exceeds the Trigger Rate of 2.5% p.a.
  • Tenor of between 2 and 4 years for USD placements**, subject to early redemption by UOB when your variable interest rate from year 2 equals or exceeds the Trigger Rate of 5% p.a.
  • Participation Rate is fixed at 15% for SGD placements and 26% for USD placements

Note
* Terms and conditions apply, please refer to UOB Grower Deposit (SGD) term sheet.
**Terms and conditions apply, please refer to UOB Grower Deposit (USD) term sheet.
# The 100% principal guarantee is applicable only upon maturity or early redemption of the structured deposit by UOB (whichever is earlier) in its denominated currency. If your structured deposit is withdrawn before the maturity date or early redemption date, you may receive less than the principal amount.


Stock NameInitial Reference Price
Bloomberg Code3 Oct 2005
Exxon Mobil Corporation XOM UN USD62.49
Total SA* FP FP EUR55.7243
Royal Dutch Shell PLC RDSA NA EUR27.66
Repsol YPF SA REP SM EUR27.27
BP Plc BP/ LN GBp673.5
Alcoa Inc AA UN USD23.87
Newmont Mining Corp NEM UN USD47.06
POSCO 005490 KS KRW236,500
Applied Materials Inc AMAT UQ USD16.98
Cisco Systems Inc CSCO UQ USD17.74
Dell Inc DELL UQ USD33.97
Hewlett-Packard Co HPQ UN USD28.90
Intel Corporation INTC UQ USD24.60
Oracle Corporation ORCL UQ USD12.40
Texas Instruments Inc TXN UN USD33.88


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Please note that the application for the UOB SingaporeFortune Deposit (SGD) has closed on 31 December 2007. A snapshot of the account is appended below.
Features of UOB SingaporeFortune Deposit*:
  • Protection first. 100% of principal guaranteed by UOB if the structured deposit is held until maturity or early redemption by UOB, whichever is earlier
  • Guaranteed interest of 2% of the principal at the end of the 1st Quarter (equivalent to 8% p.a.)^, if the deposit is held till the first Interest Payment Date
  • Potential interest of up to 2% of the principal at every Quarter (equivalent to 8% p.a.)^, starting from the end of the 2nd Quarter
  • Possibility of Trigger Event occurring every Quarter starting from the end of 1st Quarter
  • Tenor: Minimum 3 months, maximum 5 years, depending on whether a Trigger Event has occurred

* Product terms and conditions apply. Please refer to the termsheet for more details. All undefined capitalized terms are defined in the termsheets.
^ If no Variable Interest is paid for the whole Tenor, the minimum effective interest rate is 0.404% p.a.

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Please note that applications for Structured Deposit - UOB Titans12 Deposit (SGD / USD) closed on 30 Nov 2005. Below is a snapshot of the Account.
UOB Titans12 Deposit (SGD)
  • Guaranteed interest payout of 4% on your SGD placement at the end of the first quarter (minimum effective interest rate 0.779% p.a.)*

UOB Titans12 Deposit (USD)
  • Guaranteed interest payout of 6% on your USD placement at the end of the first quarter (minimum effective interest rate 1.552% p.a.)**

Features of UOB Titans12 Deposit (SGD / USD)
  • Protection first. 100% of your principal is guaranteed upon maturity or early redemption by UOB#
  • Guaranteed fixed interest payout for the first 3 months of the tenor
  • Potential variable interest. A potential variable interest of up to 1% is linked to the out-performance of the average return on the k worst performing shares in the underlying basket versus the Dow Jones Global Titans 50 Index^. (k is fixed at 4 for SGD placements and 5 for USD placements)
  • Only 1% away from early redemption. The target rate for early redemption is only 1% above the guaranteed interest rate for the first quarter of the tenor
  • If early redemption occurs, an additional early redemption bonus will be paid
  • Tenor of between 1.25 and 5.25 years for SGD placements*, depending on early redemption by UOB
  • Tenor of between 1 and 4 years for USD placements**, depending on early redemption by UOB

Note
* Terms and conditions apply, please refer to UOB Titans12 Deposit (SGD) term sheet.
**Terms and conditions apply, please refer to UOB Titans12 Deposit (USD) term sheet.
# The 100% principal guarantee is applicable only upon maturity or early redemption of the structured deposit by UOB (whichever is earlier) in its denominated currency. If your structured deposit is withdrawn before the maturity date or early redemption date, you may receive less than the principal amount.
^ "Dow Jones", "Dow Jones Global Titans 50 Index" and "DJGT50" are service marks of Dow Jones & Company, Inc. and have been licensed for use for certain purposes by United Overseas Bank Limited.  UOB Structured Deposit – Titans12 Deposit based on the Dow Jones Global Titans 50 IndexSM, are not sponsored, endorsed, sold or promoted by Dow Jones, and Dow Jones makes no representation regarding the advisability of investing in such product(s). 


Stock NameInitial Reference Price
Bloomberg Code1 Dec 2005
Dow Jones Global Titans 50 Index DJGT 198.20
Exxon Mobil Corporation XOM UN USD59.35 
General Electric GE UN USD35.75
Microsoft Corporation MSFT UQ USD27.89
BP Plc BP/ LN  GBp649.50
Citigroup Inc   C UN  USD48.85 
Pfizer Inc  PFE UN USD21.38 
Johnson & Johnson  JNJ UN USD61.69
HSBC Holdings plc  HSBA LN GBp936.50
Bank of America BAC UN USD45.88 
Vodafone  VOD LN GBp125.75
Altria Group MO UN USD73.00 
Total SA* FP FP EUR53.73

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Please note that applications for Structured Deposit – VIC3 Deposit closed on 5 July 2006. Below is a snapshot of the account.
Features of Vic3 Deposit^:
  • Protection first. 100% of your principal is guaranteed upon maturity or early redemption by UOB
  • Guaranteed interest at the end of Year 1 if the Deposit Amount is held till the 1st Interest Payment Date
  • Advantage of diversification with participation in three selected Asset Classes (Equity, Currency and Commodity)
  • Participation in three selected Investment Style Portfolios with different asset allocation:Aggressive Equity Portfolio (60% in Equity), Balanced Portfolio (1/3 in each Asset Class) and Commodity Biased Portfolio (70% in Commodity)
  • Possibility of early redemption and possible Trigger Bonus Interest from the end of Year 2 onwards
  • Potential Maturity Bonus if Trigger Event has not occurred
  • Maturity Bonus Interest is linked to the best performing Investment Style Portfolio

 SGDUSDAUD
Guaranteed fixed interest payable at the end of Year 1 6.18% of principal 6.8% of principal 7.8% of principal
Condition for Trigger Event Trigger Event occurs IF on certain specified dates*, the Average Performance of the 3 Investment Style Portfolios exceeds or equals the Trigger Level.
Consequences of a Trigger Event Upon the occurrence of a Trigger Event, UOB will redeem Vic3 Deposit early and pay the applicable Trigger Bonus Interest.
Specified dates* when Trigger Event may occur End of Year 2
End of Year 3
End of Year 4
End of Year 2
End of Year 3
End of Year 2
End of Year 3
Trigger Level 30% 19% 12%
Trigger Bonus Interest
= Trigger Bonus Rate x Deposit Amount
If Trigger Event occurs at
End of Year 2: 6%
End of Year 3: 8%
End of Year 4: 10%
If Trigger Event occurs at
End of Year 2: 9%
End of Year 3: 12%
If Trigger Event occurs at
End of Year 2: 9%
End of Year 3: 12%
Maturity Bonus Interest payable if Trigger Event does not occur Final Return of Best 3 of 3 Portfolios x Participation Rate x Deposit Amount.
If the Final Return is zero or negative, there will be no Maturity Bonus Interest payable.
Participation Rate 30% 80% 100%
Maximum Tenor if Trigger Event does not occur 4 years, 11 months 4 years 4 years
Minimum Effective Interest Rate (assuming no other interest is paid for the maximum tenor) 1.28% p.a. 1.74% p.a. 2.01% p.a.
       

Underlying Basket:
AssetBloomberg Ticker~Weight of Asset in each BasketInitial Price
(6 July 2006)
Equity Basket
Central Europe Composite Equity EUR Index ("CECEEUR") CECEEUR Index 50% in Equity Basket 2143.2
Hang Seng China Enterprises Index ("HSCEI") HSCEI Index 50% in Equity Basket 6797.07
Currrency Basket
HUF/EUR
(in # of EUR per 100 HUF)
HUFEUR Curncy 40% in Currency Basket 0.3552
PLN/EUR
(in # of EUR per PLN)
PLNEUR Curncy 40% in Currency Basket 0.2475
CZK/EUR
(in # of EUR per CZK)
CZKEUR Curncy 20% in Currency Basket 0.0351
Commodity Basket
Zinc
(in USD per tonne)
LOZSDY Comdty 40% in Commodity Basket 3335
Copper
(in USD per tonne)
LOCADY Comdty 40% in Commodity Basket 7480
Aluminium
(in USD per tonne)
LOAHDY Comdty 20% in Commodity Basket 2497

Note: 
The performance of any Investment Style Portfolio is calculated using the weighted average semi-annual performance of the underlying Assets measured against the Initial Valuation Date.
^ Product terms and conditions apply. Please refer to the termsheets for more details. All undefined capitalized terms shall have the meaning given to them in the termsheets.
* Please refer to the termsheets for the actual dates.
~ Bloomberg ticker is meant for reference only. Fixing Value for each Asset will be based on the price source specified in the termsheet and the confirmation.

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Please note that UOB Structured Deposit – Winning Trends closed on 7 April 2005. Below is a snapshot of the Account.

UOB Winning Trends* offers:
  • Guaranteed interest + Potential Bonus Interest1, 2

    DepositTotal Guaranteed InterestMinimum Effective Interest RateParticipation Rate (PR)
    4-Year NZD 16.35%
    5.45% p.a. for the first 3 years
    4.17% p.a. 70%
    5-Year USD 10.40%
    2.6% p.a. for the first 4 years
    2.10% p.a. 55%
    6-Year SGD 9.00%
    1.8% p.a. for the first 5 years
    1.51% p.a. 25%
    • 100% principal guarantee at maturity3
    • No sales and management fee
    Notes:
    *Not a conventional fixed deposit as the yield is only for part of the tenor. The structured deposit may not be withdrawn before maturity without consent from the Bank. In the event the Bank allows you to prematurely terminate the structured deposit, you shall be liable to indemnify the Bank for all loss, costs, charges and/or expenses referrable to such early termination and such other administrative and other charges which the Bank may impose.
    1 Guaranteed interest will be paid yearly for each year of the tenor, except for the last year, only if the structured deposit has not been withdrawn.
    2 The bonus interest will depend on the performance of the underlying basket and the participation rate and could accordingly be zero.
    3 The 100% principal guarantee is applicable only upon maturity of the structured deposit in its denominated currency. If the structured deposit is withdrawn before maturity date, the redemption amount may be less than the principal amount.

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Please note that the application for the UOB 5Star Deposit (SGD) closed on 06 July 2007. A snapshot of the account is appended below.

Features of UOB 5Star Deposit*:
  • Protection first. 100% of principal guaranteed at maturity or Early Redemption by UOB, whichever is earlier
  • Guaranteed interest of 1.75% of principal in first Quarter (equivalent to 7% p.a.) ^ if the deposit is held till the first Interest Payment Date
  • Potential Variable Interest of 1.75% of principal every Quarter (equivalent to 7% p.a.) starting from the end of the 2nd Quarter ^. Starting from the end of the 2nd Quarter, if all shares in the Underlying Basket close at or above its Barrier Level (92% of the Initial Price), a Variable Interest will be paid
  • Possibility of Trigger Event occurring every Quarter, starting from the end of 1st Quarter. A Trigger Event is deemed to have occurred if, at the end of any Quarter, starting from the end of the 1st Quarter, all shares in the Underlying Basket close at or above its Autocall Level (103% of the Initial Price)
  • Tenor: Minimum 3 months, maximum 5 years, depending on whether a Trigger Event has occurred

Notes:
* Product terms and conditions apply. Please refer to the respective termsheets for more details. All undefined capitalized terms are defined in the termsheets.
^ If no Variable Interest is paid for the whole Tenor, the minimum effective interest rate is 0.353% p.a.

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Please note that the application for the UOB 5Star II Deposit (SGD) closed on 03 August 2007. A snapshot of the account is appended below.
Features of UOB 5Star II Deposit*:
  • Protection first. 100% of principal guaranteed at maturity or Early Redemption by UOB, whichever is earlier
  • Guaranteed interest of 1.75% of principal in first Quarter (equivalent to 7% p.a.)^ if the deposit is held till the first Interest Payment Date
  • Possibility of Trigger Event occurring every Quarter, starting from the end of 1st Quarter. A Trigger Event is deemed to have occurred if, at the end of any Quarter, starting from the end of the 1st Quarter, all shares in the Underlying Basket close at or above its Autocall Level (103% of the Initial Price)
  • Possibility of Trigger Event occurring every Quarter, starting from the end of 1st Quarter. A Trigger Event is deemed to have occurred if, at the end of any Quarter, starting from the end of the 1st Quarter, all shares in the Underlying Basket close at or above its Autocall Level (103% of the Initial Price)
  • Tenor: Minimum 3 months, maximum 5 years, depending on whether a Trigger Event has occurred

Notes:
* Product terms and conditions apply. Please refer to the respective termsheets for more details. All undefined capitalized terms are defined in the termsheets.
^ If no Variable Interest is paid for the whole Tenor, the minimum effective interest rate is 0.353% p.a.

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Please note that applications for Structured Deposit - 168 Deposit (SGD/USD/AUD) closed on 11 Nov 2006. A snapshot of the structured deposit is appended below.
Features of UOB 168 Deposit *
  • Protection first. 100% of your principal is guaranteed upon maturity or early redemption by UOB#
  • Guaranteed interest of above 6% p.a. for the first year of the tenor **
  • Potential semi-annual variable interest thereafter. From the second year of the tenor onwards, the semi-annual variable interest depends on the number of shares underperforming the Dow Jones Global Titans 50 Index ^ by more than the downside buffer
  • Large downside buffer ++. The downside buffer for the SGD deposit is 15%, USD deposit is 22% and AUD deposit is 24%
  • Auto-correction feature. Every six months, the worst performing share is automatically removed for subsequent observations if it underperforms the Dow Jones Global Titans 50 Index by 50% or more on the 2nd observation date of the same period. The worst performing share will not be replaced if it is removed as a result of the auto-correction feature

 SGD TrancheUSD TrancheAUD Tranche
Guaranteed fixed interest payable at the end of the 1st year 6.28% p.a.
of Deposit Amount
6.5% p.a.
of Deposit Amount
7% p.a.
of Deposit Amount
Tenor (depending on whether early redemption by UOB occurs) 1½ to 4 years
11 months & 2 weeks
1½ to 4 years 1½ to 4 years
N N is the number of different Shares under-performing DJGT by more than the downside buffer++ on any of the 2 Observation Dates of each 6-month period. (There is no double counting of the same share even if it has under-performed DJGT by more than the downside buffer++ on both Observation Dates.)
Semi-annual Variable Interest payable from the 18th month to maturity 4% if N = 0,
2% if N = 1,
0.5% if N = 2,
0% if N > 2.
4% if N = 0,
3% if N = 1,
1% if N = 2,
0% if N > 2.
5% if N = 0,
4% if N = 1,
2% if N = 2,
0% if N > 2.
Downside buffer 15% 22% 24%
Early redemption event Early Redemption Event is deemed to occur when the maximum Variable Interest is paid in any 6-month period (i.e. 4% for SGD deposit & USD deposit, 5% for AUD deposit)
Minimum effective interest rate (if no Variable Interest until maturity and there is no Early Redemption by UOB) 1.2975% p.a. 1.6644% p.a. 1.7958% p.a.

Note
* Product terms and conditions apply. For each currency, please refer to the respective term sheet for more details.
# The 100% principal guarantee is applicable only upon maturity or early redemption of the structured deposit by UOB (whichever is earlier) in its denominated currency. If your structured deposit is withdrawn before the maturity date or early redemption date, you may receive less than the principal amount.
** The guaranteed interest will be paid at the end of the first year provided that the structured deposit is held until then.
^ "Dow Jones", "Dow Jones Global Titans 50 Index" and "DJGT50" are service marks of Dow Jones & Company, Inc. and have been licensed for use for certain purposes by United Overseas Bank Limited. UOB Structured Deposit – 168 Deposit based on the Dow Jones Global Titans 50 IndexSM, is not sponsored, endorsed, sold or promoted by Dow Jones, and Dow Jones makes no representation regarding the advisability of investing in such product(s).
++Downside buffer is determined by the Bank on the Deposit Start Date.

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Please note that applications for Structured Deposit – 688 Deposit (SGD/USD/AUD) closed on 31 March 2006. Below is a snapshot of the account.
Features of 688 Deposit*
  • Protection first. 100% of your principal is guaranteed upon maturity or early redemption by UOB#
  • Guaranteed fixed interest of 6% p.a. for the first year of the tenor~
  • Potential variable interest. From the 2nd year of the tenor onwards, variable interest depends on the number of shares underperforming the Dow Jones Global Titans 50 Index^ by more than the downside buffer. The maximum variable interest is 8% p.a. for the SGD and USD tranches and 10% p.a for the AUD tranche
  • Large downside buffer. The downside buffer is between 15% and 25%, depending on the currency of the structured deposit
  • Auto-correction feature. Up to 2 shares per year are automatically removed from ;the underlying basket for subsequent years if they underperform the Dow Jones Global Titans 50 Index by 50% or more on the 2nd observation date of that year

 SGD TrancheUSD TrancheAUD Tranche
Guaranteed fixed interest payable at the end of the 1st year 6% p.a. 6% p.a. 6% p.a.
Tenor (depending on whether early redemption by UOB occurs) 2 to 5½ years 2 to 4 years 2 to 4 years
N N is the number of Shares under-performing DJGT by more than the downside buffer on the 2 Observation Dates of each year.
Variable interest payable from the 2nd year to maturity 8% p.a. if N = 0,
4% p.a. if N = 1,
1% p.a. if N = 2,
0% p.a. if N > 2.
8% p.a. if N = 0,
4% p.a. if N = 1,
1% p.a. if N = 2,
0% p.a. if N > 2.
10% p.a. if N = 0,
8% p.a. if N = 1,
4% p.a. if N = 2,
0% p.a. if N > 2.
Early redemption event When the maximum variable interest (8% p.a. for SGD & USD, 10% p.a. for AUD) is paid in any year
Downside buffer 15% 24% 25%
Minimum effective interest rate (if no variable interest until maturity) 1.12% p.a. 1.53% p.a. 1.53% p.a.

NameBloomberg CodeInitial Reference Price (3 April 2006)
Dow Jones Global Titans 50 Index DJGT 204.35
American International Group AIG UN USD65.67
Barclays Plc BARC LN GBp671.50
BP Plc BP/ LN GBp674.50
Cisco System Inc CSCO UQ USD21.59
Total SA* FP FP EUR54.2929
Morgan Stanley MS UN USD63.25
Int'l Business Machines Corp IBM UN USD83.06
Conocophillips COP UN USD64.41
Intel INTC UQ USD19.35
JP Morgan Chase JPM UN USD41.93
Citigroup Inc C UN USD47.41
Royal Dutch Shell RDSA NA EUR26.11
Toyota Motor Corp 7203 JT JPY6,510
Astrazeneca Plc AZN LN GBP2,907.00
Wyeth WYE UN USD48.73
Pfizer Inc PFE UN USD25.12

Note
* Product terms and conditions apply. For each currency, please refer to the respective term sheet for more details.
# The 100% principal guarantee is applicable only upon maturity or early redemption of the structured deposit by UOB (whichever is earlier) in its denominated currency. If your structured deposit is withdrawn before the maturity date or early redemption date, you may receive less than the principal amount.
~ The guaranteed interest of 6% p.a. will be paid on the 1st Interest Payment Date provided that the structured deposit has not been withdrawn before the 1st Interest Payment Date.
^ "Dow Jones", "Dow Jones Global Titans 50 Index" and "DJGT50" are service marks of Dow Jones & Company, Inc. and have been licensed for use for certain purposes by United Overseas Bank Limited. UOB Structured Deposit – 688 Deposit based on the Dow Jones Global Titans 50 IndexSM, is not sponsored, endorsed, sold or promoted by Dow Jones, and Dow Jones makes no representation regarding the advisability of investing in such product(s).


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.