UOB Wealth Deposit Series

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Please note that the application for the UOB Wealth Deposit - Series (1) has closed on 6 February 2008. A snapshot of the account is appended below.

Features of UOB Wealth Deposit - Series (1):
  • 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 3.09% of the principal at the end of the first six months of the Tenor (equivalent to 6.18% p.a.)^, if the deposit is held with the Bank until the first Interest Payment Date.
  • Advantage of diversification in 3 different Asset Classes (Equity, Bond and Currency, and Commodity).
  • Participation in 3 Investment Style Portfolios with different asset allocations; Equity-Biased Portfolio (55% in Equity Basket), Balance portfolio (1/3 in each of the Equity, Bond and Currency, and Commodity Baskets) and Commodity-Biased Portfolio (55% in Commodity Basket).
  • Possibility of Trigger Event occurring and Trigger Bonus Interest starting from the end of 1st year.
  • Potential Maturity Bonus Interest if Trigger Event has not occurred.
  • Maturity Bonus Interest is linked to the best performing Investment Style Portfolios.
  • Tenor: Minimum 1 year, maximum 4 years and 11 months, depending on whether a Trigger Event occurs.

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 0.638% p.a.

Important Notice and Disclaimers:
The above is for information purposes 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 UOB Structured Deposit: Wealth Deposit - Series (1) ("UOB Wealth Deposit - Series (1)") is not a conventional deposit as it has risk and investment elements, and returns may vary. Any principal guarantee will only apply if the whole Deposit Amount is held until the Final Maturity Date or Early Redemption by UOB (whichever is earlier). The UOB Wealth Deposit - Series (1) may not be withdrawn before the Final Maturity Date or before Early Redemption by UOB (whichever is earlier) without consent from UOB. If Early Redemption by UOB does not occur, the maximum Tenor is 4 years 11 months. In the event that UOB allows you to withdraw the structured deposit before the Final Maturity Date or Early Redemption by UOB (whichever is earlier), you shall be liable to indemnify UOB for any loss, costs, charges and/or expenses referable to such early termination as incurred by UOB (including those in relation to UOB's unwinding or termination of its hedging and/or funding position) and such other administrative and other charges as UOB may impose. In such instances, you may receive less than your Deposit Amount. You may wish to seek advice from a licensed or an exempt financial adviser before making a commitment to purchase UOB Wealth Deposit - Series (1). In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should carefully consider whether UOB Wealth Deposit - Series (1) is suitable for you. Structured deposits are not an insured deposits for the purpose of the Deposit Insurance Act 2005 (No. 31 of 2005).

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3 asset classes. 1 unique investment. 

UOB Wealth Deposit – Series (2) diversifies your investment strategically across 3 strong asset classes: Equity, Bond and Currency, as well as Commodity. 

A three-in-one winning formula for potentially unlimited upside performance with limited downside risk.


Features of UOB Structured Deposit: Wealth Deposit - Series (2):
  • Guaranteed Interest of 5% p.a. 1 at the end of the first 6 months of the Tenor
    Earn a Guaranteed Interest of 5% p.a 1 (equivalent to 2.5% of the Deposit Amount) at the end of the first 6 months of the Tenor, if you hold your whole Deposit Amount till the first Interest Payment Date. 
  • Guaranteed protection of principal amount
    100% of your principal amount is guaranteed2 upon maturity or Early Redemption by UOB, whichever is earlier.
  • Advantage of diversification across  3  strong asset classes
    Equity, Bond and Currency, and Commodity.
  • Participation in 3 different Investment Style Portfolios with different asset allocations
    Equity-Biased Portfolio, Bond and Currency-Biased Portfolio and Commodity-Biased Portfolio.
  • Possibility of Trigger Event occurring and Trigger Bonus Interest starting from the end of 1styear
    The UOB Wealth Deposit - Series (2) will be redeemed by the Bank before the Final Maturity Date upon the occurrence of a Trigger Event, i.e. when the average performance of the 3 Investment Style Portfolios at the end of any year, starting from the 1st year, equals or exceeds the Trigger Level. Upon Early Redemption by the Bank, depositors will receive a Trigger Bonus Interest between 2% to 8% of Principal (depending on when Trigger Event occurs).
  • Potential Maturity Bonus Interest
    If  Early Redemption does not occur, depositors will receive a Maturity Bonus Interest (if any) which is linked to the final return of the best performing portfolio amongst the 3 different portfolios, Equity-Biased Portfolio, Bond and Currency-Biased Portfolio and Commodity-Biased Portfolio.


Notes: 
The Guaranteed Interest at the end of first 6 months of the Tenor is guaranteed only if the whole Deposit Amount is held till the first Interest Payment Date. The minimum effective interest rate is 0.5139% p.a., assuming that no other interest is paid up to the Final Maturity Date.
2Only if the whole Deposit Amount is held till the Final Maturity Date or upon Early Redemption by UOB, whichever is earlier. 

Product terms and conditions apply. Please see the Term Sheet for more details including the actual dates and pre-specified dates. All undefined capitalised terms shall have the meaning given to them in the Term Sheet.

Important Notice and Disclaimers:
The above is for information purposes 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 UOB Structured Deposit: Wealth Deposit - Series (2) ("UOB Wealth Deposit - Series (2)")is not a conventional deposit as it has risk and investment elements, and returns may vary. Any principal guaranteed will only apply if the whole Deposit Amount is held until the Final Maturity Date or Early Redemption by UOB (whichever is earlier). The UOB Wealth Deposit - Series (2) may not be withdrawn before the Final Maturity Date or before Early Redemption by UOB (whichever is earlier) without consent from UOB. If Early Redemption by UOB does not occur, the maximum Tenor is 4 years and 11 months. In the event that UOB allows you to withdraw the structured deposit before the Final Maturity Date or Early Redemption by UOB (whichever is earlier), you shall be liable to indemnify UOB for any loss, costs, charges and/or expenses referable to such early termination as incurred by UOB (including those in relation to UOB's unwinding or termination of its hedging and/or funding position) and such other administrative and other charges as UOB may impose. In such instances, you may receive less than your Deposit Amount. You may wish to seek advice from a licensed or an exempt financial adviser before making a commitment to purchase UOB Wealth Deposit - Series (2). In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should carefully consider whether UOB Wealth Deposit - Series (2) is suitable for you. Structured deposit is not an insured deposit for the purposes of the Deposit Insurance Act 2005 (No. 31 of 2005).

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Grow with 8 Established Companies from Singapore

UOB Structured Deposit: Wealth Deposit – Series (3) ("UOB Wealth Deposit - Series (3)") is designed to propel your investment by riding on the performance of 8 selected Singapore-listed companies' shares. UOB Wealth Deposit – Series (3) opens to you the opportunity of attractive returns with limited risk if held to the Deposit Maturity Date.

 


Features of UOB Structured Deposit: Wealth Deposit - Series (3):
  • Guaranteed Interest of 6% p.a.1 at the end of first year of the Tenor
  • 100% principal guaranteed2
  • Potential Variable Interest3
  • Possible Early Redemption starting from the 2nd year of the Tenor4
  • Large downside protection of [18% to 22%]5 in the 2nd year of the Tenor, which increases by 1% every year thereafter
  • Interest Lock-In feature

The minimum effective interest rate is 0.7697% p.a., assuming that no other interest is paid up to the Final Maturity Date. 

Notes:
The Guaranteed Interest for the first year of the Tenor is guaranteed only if the whole Deposit Amount is held till the first Interest Payment Date.
2 Only if the whole Deposit Amount is held till the Final Maturity Date or upon Early Redemption by UOB, whichever is earlier.
3 From the 2nd year of the Tenor until maturity, variable interest of up to 1% may be paid depending on the performance of the worst performing share in an Underlying Basket of 8 Singapore-listed companies' shares.
4 If Early Redemption by UOB occurs between the 2nd and the 8th year of the Tenor, an additional Early Redemption Bonus ranging from 1% to 13% of the Deposit Amount (depending on when an Early Redemption Event occurs) may be paid. Please see the Term Sheet for examples on best and worst-case scenarios
5To be determined by the Bank on Initial Valuation Date

Product terms and conditions apply. Please see the Term Sheet for more details including the actual dates and pre-specified dates. All undefined capitalised terms shall have the meaning given to them in the Term Sheet.

Important Notice and Disclaimers:
The above is for information purposes 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 UOB Structured Deposit: Wealth Deposit - Series (3) ("UOB Wealth Deposit - Series (3)") is not a conventional deposit as it has risk and investment elements, and returns may vary. Any principal guaranteed will only apply if the whole Deposit Amount is held until the Final Maturity Date or Early Redemption by UOB (whichever is earlier). The UOB Wealth Deposit - Series (3) may not be withdrawn before the Final Maturity Date or before Early Redemption by UOB (whichever is earlier) without consent from UOB. If Early Redemption by UOB does not occur, the maximum Tenor is 8 years. In the event that UOB allows you to withdraw the structured deposit before the Final Maturity Date or Early Redemption by UOB (whichever is earlier), you shall be liable to indemnify UOB for any loss, costs, charges and/or expenses referable to such early termination as incurred by UOB (including those in relation to UOB's unwinding or termination of its hedging and/or funding position) and such other administrative and other charges as UOB may impose. In such instances, you may receive less than your Deposit Amount. You may wish to seek advice from a licensed or an exempt financial adviser before making a commitment to purchase UOB Wealth Deposit - Series (3). In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should carefully consider whether UOB Wealth Deposit - Series (3) is suitable for you. Structured deposits are not an insured deposits for the purpose of the Deposit Insurance Act 2005 (No. 31 of 2005).


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Ride on the performance of 8 Singapore Companies

UOB Structured Deposit: Wealth Deposit – Series (5) ("UOB Wealth Deposit – Series (5)") is created to grow your investments by riding on the performance of 8 selected Singapore-listed companies' shares. UOB Wealth Deposit – Series (5) offers you the opportunity of potential attractive returns with limited risk if held to the Deposit Maturity Date.


Features of UOB Structured Deposit: Wealth Deposit - Series (5):

  • Guaranteed Interest of 5% p.a.1 at the end of the first 3 months of the Tenor (equivalent to 1.25% of Deposit Amount), if you hold your whole Deposit Amount till the Guaranteed Interest Payment Date.
  • 100% principal guaranteed2.
  • Possible Early Redemption by the Bank starting from the end of the first 6 months of the Tenor.
  • If Early Redemption by the Bank (Trigger Event) occurs, depositors will receive 100% of Principal plus Early Redemption Bonus. Potential Early Redemption Bonus ranges from 2.5% to 30% of the Deposit Amount, depending on when a Trigger Event occurs.
  • Memory feature increases the chance of Early Redemption occurring. Once any of the underlying shares closes at or above its Trigger Price on any day within an Observation Period, it will be "memorised" for the rest of that same Observation Period. Therefore, Early Redemption can occur as long as every underlying share has closed at or above their respective Trigger Prices at least once during the same Observation Period.
  • Step-down of Trigger Level every 6 months.The Trigger Level for each underlying Share starts at [105% to 110%]3 in the first Observation Period. This Trigger Level is reduced by 0.5% every six months thereafter.



The minimum effective interest rate is 0.2097% p.a. assuming that no other interest is paid up to the Final Maturity Date. 

Notes:
1The Guaranteed Interest for the first three months Tenor is guaranteed only if the whole Deposit Amount is held till the Guaranteed Interest Payment Date. Please see the Term Sheet for examples on best and worst-case scenarios.
2Only if the whole Deposit Amount is held till the Final Maturity Date or upon Early Redemption by UOB, whichever is earlier.
To be determined by the Bank in its absolute discretion on Initial Valuation Date.

Product terms and conditions apply. Please see the Term Sheet for more details including the actual dates and pre-specified dates. All undefined capitalised terms shall have the meaning given to them in the Term Sheet.

Important Notice and Disclaimers:
The above is for information purposes 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 UOB Structured Deposit: Wealth Deposit - Series (5) ("UOB Wealth Deposit - Series (5)") is not a conventional deposit as it has risk and investment elements, and returns may vary. Any principal guaranteed will only apply if the whole Deposit Amount is held until the Final Maturity Date or Early Redemption by UOB (whichever is earlier). The UOB Wealth Deposit - Series (5) may not be withdrawn before the Final Maturity Date or before Early Redemption by UOB (whichever is earlier) without consent from UOB. If Early Redemption by UOB does not occur, the maximum Tenor is 6 years. In the event that UOB allows you to withdraw the structured deposit before the Final Maturity Date or Early Redemption by UOB (whichever is earlier), you shall be liable to indemnify UOB for any loss, costs, charges and/or expenses referable to such early termination as incurred by UOB (including those in relation to UOB's unwinding or termination of its hedging and/or funding position) and such other administrative and other charges as UOB may impose. In such instances, you may receive less than your Deposit Amount. You may wish to seek advice from a licensed or an exempt financial adviser before making a commitment to purchase UOB Wealth Deposit - Series (5). In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should carefully consider whether UOB Wealth Deposit - Series (5) is suitable for you. Structured deposits are not insured deposits for the purposes of the Deposit Insurance Act 2005 (No. 31 of 2005).

 

Monitor / View Past Performance Champion Deposit 

Capitalise on the performance of 10 distinguised in Asia 

UOB Wealth Deposit - Series (6) is tied to the performance of an underlying basket of 10 established Asian-listed financial companies' shares, this structured deposit offers you the opportunity to reap potential attractive returns, while enjoying guaranteed protection of principal amount 2.


Features of UOB Structured Deposit: Wealth Deposit - Series (6):
  • Guaranteed Interest of 5% p.a.1 at the end of the first 3 months of the Tenor (equivalent to 1.25% of Deposit Amount), if you hold your whole Deposit Amount till the Guaranteed Interest Payment Date.
  • 100% principal guaranteed2.
  • Possible Early Redemption by the Bank starting from the end of the first 6 months of the Tenor.
  • If Early Redemption by the Bank (Trigger Event) occurs, depositors will receive 100% of Principal plus Early Redemption Bonus. Potential Early Redemption Bonus ranges from 2.5% to 30% of the Deposit Amount, depending on when a Trigger Event occurs.
  • Memory feature increases the chance of Early Redemption occurring. Once any of the underlying shares closes at or above its Trigger Price on any day within an Observation Period, it will be "memorised" for the rest of that same Observation Period. Therefore, Early Redemption can occur as long as every underlying share has closed at or above their respective Trigger Prices at least once during the same Observation Period.
  • Step-down of Trigger Level every 3 months. The Trigger Level for each underlying Share starts at [105% to 110%]3 in the first Observation Period. This Trigger Level is reduced by 0.25% every 3 months thereafter.


The minimum effective interest rate is 0.2126%p.a. assuming that no other interest is paid up to the Final Maturity Date. 

Notes:
1The Guaranteed Interest for the first three months Tenor is guaranteed only if the whole Deposit Amount is held till the Guaranteed Interest Payment Date. Please see the Term Sheet for examples on best and worst-case scenarios.
2 Only if the whole Deposit Amount is held till the Final Maturity Date or upon Early Redemption by UOB, whichever is earlier.
To be determined by the Bank in its absolute discretion on Initial Valuation Date.

Product terms and conditions apply. Please see the Term Sheet for more details including the actual dates and pre-specified dates. All undefined capitalised terms shall have the meaning given to them in the Term Sheet.

Important Notice and Disclaimers:
The above is for information purposes 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 UOB Structured Deposit: Wealth Deposit - Series (6) ("UOB Wealth Deposit - Series (6)") is not a conventional deposit as it has risk and investment elements, and returns may vary. Any principal guaranteed will only apply if the whole Deposit Amount is held until the Final Maturity Date or Early Redemption by UOB (whichever is earlier). The UOB Wealth Deposit - Series (6) may not be withdrawn before the Final Maturity Date or before Early Redemption by UOB (whichever is earlier) without consent from UOB. If Early Redemption by UOB does not occur, the maximum Tenor is 5 years and 11 months. In the event that UOB allows you to withdraw the structured deposit before the Final Maturity Date or Early Redemption by UOB (whichever is earlier), you shall be liable to indemnify UOB for any loss, costs, charges and/or expenses referable to such early termination as incurred by UOB (including those in relation to UOB's unwinding or termination of its hedging and/or funding position) and such other administrative and other charges as UOB may impose. In such instances, you may receive less than your Deposit Amount. You may wish to seek advice from a licensed or an exempt financial adviser before making a commitment to purchase UOB Wealth Deposit - Series (6). In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should carefully consider whether UOB Wealth Deposit - Series (6) is suitable for you. Structured deposits are not insured deposits for the purposes of the Deposit Insurance Act 2005 (No. 31 of 2005).

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Build your wealth on the performance of 8 global infrastructure-related companies 

The performance of UOB Wealth Deposit - Series (7) is linked to the performance of 8 globally established companies' shares. 

UOB Wealth Deposit - Series (7) potentially offers attractive returns, while providing guaranteed protection2 of your principal amount.

 


Features of UOB Structured Deposit: Wealth Deposit - Series (7): 

  • Guaranteed Interest of 6% p.a.at the end of the first 3 months of the Tenor (equivalent to 1.5% of Deposit Amount), if you hold your whole Deposit Amount till the Guaranteed Interest Payment Date.
  • 100% principal guaranteed2.
  • Possible Early Redemption by the Bank starting from the end of the first 6 months of the Tenor.
  • If Early Redemption by the Bank (Trigger Event) occurs, depositors will receive 100% of Principal plus Early Redemption Bonus. Potential Early Redemption Bonus ranges from 1.5% to 34.5% of the Deposit Amount, depending on when a Trigger Event occurs.
  • Memory feature increases the chance of Early Redemption occurring. Once any of the underlying shares closes at or above its Trigger Price on any day within an Observation Period, it will be "memorised" for the rest of that same Observation Period. Therefore, Early Redemption can occur as long as every underlying share has closed at or above their respective Trigger Prices at least once during the same Observation Period.
  • Step-down of Trigger Level every 3 months. The Trigger Level for each underlying share starts at [105% to 110%]3 in the first Observation Period. This Trigger Level is reduced by 0.25% every three months thereafter.


The minimum effective interest rate is 0.2555% p.a. assuming that noother interest is paid up to the Final Maturity Date. 

Notes:
1 The Guaranteed Interest for the first 3 months of the Tenor is guaranteed only if the whole Deposit Amount is held till the Guaranteed Interest Payment Date. Please see the Term Sheet for examples on best and worst-case scenarios. 
2Only if the whole Deposit Amount is held till the Final Maturity Date or upon Early Redemption by UOB, whichever is earlier.
To be determined by the Bank in its absolute discretion on Initial Valuation Date.

Product terms and conditions apply. Please see the Term Sheet for more details including the actual dates and prespecified dates. All undefined capitalised terms shall have the meaning given to them in the Term Sheet. 


Important Notice and Disclaimers:
The above is for information purposes 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 UOB Structured Deposit: Wealth Deposit –Series (7) ("UOB Wealth Deposit – Series (7)") is not a conventional deposit as it has risk and investment elements, and returns may vary. Any principal guaranteed will only apply if the whole Deposit Amount is held until the Final Maturity Date or Early Redemption by UOB (whichever is earlier). The UOB Wealth Deposit – Series (7) may not be withdrawn before the Final Maturity Date or before Early Redemption by UOB (whichever is earlier) without consent from UOB. If Early Redemption by UOB does not occur, the maximum Tenor is 5 years and 11 months. In the event that UOB allows you to withdraw the structured deposit before the Final Maturity Date or Early Redemption by UOB (whichever is earlier), you shall be liable to indemnify UOB for any loss, costs, charges and/or expenses referable to such early termination as incurred by UOB (including those in relation to UOB's unwinding or termination of its hedging and/or funding position) and such other administrative and other charges as UOB may impose. In such instances, you may receive less than your Deposit Amount. You may wish to seek advice from a licensed or an exempt financial adviser before making a commitment to purchase UOB Wealth Deposit – Series (7) . In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should carefully consider whether UOB Wealth Deposit – Series (7) is suitable for you. Structured deposits are not insured deposits for the purposes of the Deposit Insurance Act 2005 (No. 31 of 2005).

 

Monitor / View Past Performance

Reap potential attractive returns, whenever the market moves

UOB Structured Deposit: Wealth Deposit - Series (8) allows investors to reap potential benefits from both upside and downside movements of the Hang Seng China Enterprises Index ("HSCEI").

UOB Wealth Deposit - Series (8) provides depositors the opportunity to earn an annual Bonus Interest which is linked to the performance of the HSCEI without risking the principal amount of their deposit if held to maturity.

Features of UOB Structured Deposit: Wealth Deposit - Series (8):
  • Receive guaranteed interest payment1 of 3.9% to 4.8% of Deposit Amount during the Tenor. At the end of the first year of the Tenor, depositors will be paid a guaranteed interest of 1.8% of their Deposit Amount. Also, at the end of each subsequent year, a guaranteed interest of 0.7% to 1%3 of the Deposit Amount will be paid.
  • 100% of your Deposit Amount is guaranteed2 upon maturity.
  • Depositors enjoy the opportunity to earn an annual Bonus Interest4 linked to the absolute value5 of the average monthly return of the HSCEI.

The Guaranteed Interest rate is equivalent to a minimum effective interest rate of 0.9986% to 1.2276% p.a. assuming that no other interest is paid up to the Deposit Maturity Date. 

Notes:
1 A Guaranteed Interest of 1.8% of the Deposit Amount will be paid at the end of the first year of the Tenor. For each subsequent year, the Guaranteed Interest is 0.7% to 1% (to be determined by the Bank in its sole and absolute discretion on the Initial Observation Date) of the Deposit Amount. The Guaranteed Interests are guaranteed only if the whole Deposit Amount is held until the relevant Interest Payment Dates. 
2Only if the whole Deposit Amount is held until the Deposit Maturity Date. 
3To be determined by the Bank in its sole and absolute discretion on the Initial Observation Date.
4The Bonus Interest is calculated as the product of (i) the Participation Rate (to be determined by the Bank in its sole and absolute discretion on the Initial Observation Date) and (ii) the Absolute of Average Month-on-Month Return of the Underlying Index for the year. The Bonus Interest is variable; depending on, among other things, the performance of the Underlying Index and could accordingly be zero.
5The absolute value means the numerical value of the month-on-month return of the HSCEI ("Underlying Index") without regard to its sign. 

Product terms and conditions apply. Please see the Term Sheet for more details including the actual dates and pre-specified dates. All undefined capitalized terms shall have the meaning given to them in the Term Sheet. 

Important Notice and Disclaimers:
The above is for information purposes 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 UOB Structured Deposit: Wealth Deposit –Series (8) ("UOB Wealth Deposit – Series (8)") is not a conventional deposit as it has risk and investment elements, and returns may vary. Any principal guaranteed will only apply if the whole Deposit Amount is held until the Deposit Maturity Date. The UOB Wealth Deposit – Series (8) may not be withdrawn before the Deposit Maturity Date without consent from UOB. The maximum Tenor of this structured deposit is 3 years and 11 months. In the event that UOB allows you to withdraw the structured deposit before the Deposit Maturity Date, you shall be liable to indemnify UOB for any loss, costs, charges and/or expenses referable to such early termination as incurred by UOB (including those in relation to UOB's unwinding or termination of its hedging and/or funding position) and such other administrative and other charges as UOB may impose. In such instances, you may receive less than your Deposit Amount. You may wish to seek advice from a licensed or an exempt financial adviser before making a commitment to purchase UOB Wealth Deposit – Series (8) . In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should carefully consider whether UOB Wealth Deposit – Series (8) is suitable for you. Structured deposits are not insured deposits for the purposes of the Deposit Insurance Act 2005 (No. 31 of 2005).

Please note the following in relation to Hang Seng China Enterprises Index. The mark and name "Hang Seng China Enterprises Index" is proprietary to Hang Seng Data Services Limited ("HSDS") which has licensed its compilation and publication to Hang Seng Indexes Company Limited ("HSIL"). HSIL and HSDS have agreed to the use of, and reference to, the Hang Seng China Enterprises Index by United Overseas Bank Limited ("the Issuer") in connection with the UOB Structured Deposit: Wealth Deposit – Series (8) (the "Product"). However, neither HSIL nor HSDS warrants, represents or guarantees to any person the accuracy or completeness of the Hang Seng China Enterprises Index, its computation or any information related thereto and no warranty, representation or guarantee of any kind whatsoever relating to the Hang Seng China Enterprises Index is given or may be implied. Neither HSIL nor HSDS accepts any responsibility or liability for any economic or other loss which may be directly or indirectly sustained by any person as a result of or in connection with the use of and/or reference to the Hang Seng China Enterprises Index by the Issuer in connection with the Product, or any inaccuracies, omissions or errors of HSIL in computing the Hang Seng China Enterprises Index. Any person dealing with the Product shall place no reliance whatsoever on HSIL and/or HSDS nor bring any claims or legal proceedings against HSIL and/or HSDS in any manner whatsoever. For the avoidance of doubt, this disclaimer does not create any contractual or quasi-contractual relationship between any broker, holder or other person and Hang Seng Indexes Company Limited and/or Hang Seng Data Services Limited and must not be construed to have created such relationship.

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Reap potential attractive returns, whenever the market moves 

UOB Structured Deposit: Wealth Deposit – Series (9) allows investors to reap potential benefits from both upside and downside movements of the Hang Seng China Enterprises Index ("HSCEI").

UOB Wealth Deposit - Series (9) provides depositors the opportunity to earn an annual Bonus Interest which is linked to the performance of the HSCEI without risking the principal amount of their deposit if held to maturity.

 

Features of UOB Structured Deposit: Wealth Deposit - Series (9):

  • Receive guaranteed interest payment1 of 3.9% to 4.8% of Deposit Amount during the Tenor. At the end of the first year of the Tenor, depositors will be paid a guaranteed interest of 1.8% of their Deposit Amount. Also, at the end of each subsequent year, a guaranteed interest of 0.7% to 1%3 of the Deposit Amount will be paid.
  • 100% of your Deposit Amount is guaranteed2 upon maturity.
  • Depositors enjoy the opportunity to earn an annual Bonus Interest4 linked to the absolute value5 of the average monthly return of the HSCEI.


The Guaranteed Interest rate is equivalent to a minimum effective interest rate of 0.9986% to 1.2276% p.a. assuming that no other interest is paid up to the Deposit Maturity Date.


Notes:
1A Guaranteed Interest of 1.8% of the Deposit Amount will be paid at the end of the first year of the Tenor. For each subsequent year, the Guaranteed Interest is 0.7% to 1% (to be determined by the Bank in its sole and absolute discretion on the Initial Observation Date) of the Deposit Amount. The Guaranteed Interests are guaranteed only if the whole Deposit Amount is held until the relevant Interest Payment Dates. 
2Only if the whole Deposit Amount is held until the Deposit Maturity Date. 
3To be determined by the Bank in its sole and absolute discretion on the Initial Observation Date.
4The Bonus Interest is calculated as the product of (i) the Participation Rate (to be determined by the Bank in its sole and absolute discretion on the Initial Observation Date) and (ii) the Absolute of Average Month-on-Month Return of the Underlying Index for the year. The Bonus Interest is variable; depending on, among other things, the performance of the Underlying Index and could accordingly be zero.
5 The absolute value means the numerical value of the month-on-month return of the HSCEI ("Underlying Index") without regard to its sign. Product terms and conditions apply. Please see the Term Sheet for more details including the actual dates and pre-specified dates. All undefined capitalized terms shall have the meaning given to them in the Term Sheet. 

Important Notice and Disclaimers:
The above is for information purposes 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 UOB Structured Deposit: Wealth Deposit –Series (9) ("UOB Wealth Deposit – Series (9)") is not a conventional deposit as it has risk and investment elements, and returns may vary. Any principal guaranteed will only apply if the whole Deposit Amount is held until the Deposit Maturity Date. The UOB Wealth Deposit – Series (9) may not be withdrawn before the Deposit Maturity Date without consent from UOB. The maximum Tenor of this structured deposit is 3 years and 11 months. In the event that UOB allows you to withdraw the structured deposit before the Deposit Maturity Date, you shall be liable to indemnify UOB for any loss, costs, charges and/or expenses referable to such early termination as incurred by UOB (including those in relation to UOB's unwinding or termination of its hedging and/or funding position) and such other administrative and other charges as UOB may impose. In such instances, you may receive less than your Deposit Amount. You may wish to seek advice from a licensed or an exempt financial adviser before making a commitment to purchase UOB Wealth Deposit – Series (9) . In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should carefully consider whether UOB Wealth Deposit – Series (9) is suitable for you. Structured deposits are not insured deposits for the purposes of the Deposit Insurance Act 2005 (No. 31 of 2005).Please note the following in relation to Hang Seng China Enterprises Index. The mark and name "Hang Seng China Enterprises Index" is proprietary to Hang Seng Data Services Limited ("HSDS") which has licensed its compilation and publication to Hang Seng Indexes Company Limited ("HSIL"). HSIL and HSDS have agreed to the use of, and reference to, the Hang Seng China Enterprises Index by United Overseas Bank Limited ("the Issuer") in connection with the UOB Structured Deposit: Wealth Deposit – Series (9) (the "Product"). However, neither HSIL nor HSDS warrants, represents or guarantees to any person the accuracy or completeness of the Hang Seng China Enterprises Index, its computation or any information related thereto and no warranty, representation or guarantee of any kind whatsoever relating to the Hang Seng China Enterprises Index is given or may be implied. Neither HSIL nor HSDS accepts any responsibility or liability for any economic or other loss which may be directly or indirectly sustained by any person as a result of or in connection with the use of and/or reference to the Hang Seng China Enterprises Index by the Issuer in connection with the Product, or any inaccuracies, omissions or errors of HSIL in computing the Hang Seng China Enterprises Index. Any person dealing with the Product shall place no reliance whatsoever on HSIL and/or HSDS nor bring any claims or legal proceedings against HSIL and/or HSDS in any manner whatsoever. For the avoidance of doubt, this disclaimer does not create any contractual or quasi-contractual relationship between any broker, holder or other person and Hang Seng Indexes Company Limited and/or Hang Seng Data Services Limited and must not be construed to have created such relationship.

Monitor / View Past Performance

Enjoy potential returns linked to 5 Singapore Blue-Chip Shares 

UOB Principal Guaranteed Structured Deposit: Wealth Deposit - Series (10) ("UOB Wealth Deposit - Series (10)" is a 4 years and 11 months structured deposit linked to a basket of 5 Singapore Blue-Chip Shares: Keppel Corp, DBS, Singapore Telecom, OCBC and CapitaLand. UOB Wealth Deposit - Series (10) also pays you a guaranteed interest1and guarantees your principal2 if held to maturity.

 

Key Benefits of UOB Wealth Deposit Series (10):

  • Receive guaranteed interest 1 totaling 5.5% to 6.55% of Principal Amount during the Tenor5. At the end of the first year a guaranteed interest1 of 2.8% of the Principal Amount will be paid to investors. At the end of Year 2, Year 3 and Year 4, a guaranteed interest of 0.9% to 1.25 %3 of the Principal Amount will be paid
  • 100% of your Principal Amount is guaranteed2 and payable by UOB upon maturity
  • Enjoy the opportunity to earn a Maturity Bonus Interest4 linked to the performance of 5 Singapore Blue-Chip companies without risking your principal amount if held to maturity.
  • The return of the best performing share among the remaining shares in the underlying basket is locked in each year to calculate the Maturity Bonus Interest. If any of these returns is negative, it will be set to zero, such that negative returns will not be used in the calculation of the Maturity Bonus Interest.


The Guaranteed Interest rate is equivalent to a minimum effective interest rate of 1.1307% to 1.3464% p.a. assuming no other interest is paid up to the Maturity Date. 

Notes:
Product terms and conditions apply. Please see the Indicative Term Sheet for more details including the actual dates and pre-specified dates (including the Initial Observation Date, Observation Dates and relevant Interest Payment Dates). All undefined capitalised terms shall have the meaning given to them in the Indicative Term Sheet.

1The guaranteed interest is guaranteed only if the whole Principal Amount is held with the Bank until the relevant Interest Payment Dates. 
2 Only if the whole Principal Amount is held until the Maturity Date. 
3To be determined by the Bank in its sole and absolute discretion on the Initial Observation Date.
4The Maturity Bonus Interest Rate is calculated as the (i) the average of the 5 locked-in returns of the Shares in the Underlying Basket, multiplied by (ii) the Participation Rate of 20% to 28%3, minus (iii) the Total Guaranteed Interest of 5.5% to 6.55%. Maturity Bonus Interest (if any) is calculated as the Maturity Bonus Interest Rate, multiplied by the Principal Amount.
5 The full tenor of this structured deposit is 4 years and 11 months. Important Notice and Disclaimers:
The above is for information purposes 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 UOB Principal Guaranteed Structured Deposit: Wealth Deposit - Series (10) ("UOB Wealth Deposit - Series (10)") is not a conventional deposit as it has risk and investment elements, and returns may vary. Any principal guaranteed will only apply if the whole Principal Amount is held until the Maturity Date. The UOB Wealth Deposit - Series (10) may not be withdrawn before the Maturity Date without consent from UOB. The Tenor of this structured deposit is 4 years and 11 months. In the event that UOB allows you to withdraw the structured deposit before the Maturity Date, you shall be liable to indemnify UOB for any loss, costs, charges and/or expenses referable to such early termination as incurred by UOB (including those in relation to UOB's unwinding or termination of its hedging and/or funding position) and such other administrative and other charges as UOB may impose. In such instances, you may receive less than your Principal Amount. You may wish to seek advice from a licensed or an exempt financial adviser before making a commitment to purchase UOB Wealth Deposit - Series (10). In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should carefully consider whether UOB Wealth Deposit - Series (10) is suitable for you. 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 2005 (No. 31 of 2005). 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). Far Eastern Bank Limited is an authorized distributor of UOB Wealth Deposit - Series (10).

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.