TERMS AND CONDITIONS

Deposit Awards

+ Retail Bank of the Year – awarded by Global Retail Banking Innovation Awards 2019, The Digital Banker. KrisFlyer UOB Account – Awarded Best Current Account by Global Retail Banking Innovation Awards 2019, The Digital Banker. UOB Stash Account – Awarded Best Savings Plan Offering by Asia Trailblazer Awards 2018, Retail Banker International. UOB One Account – Awarded Deposit Product of the Year by International Excellence in Retail Financial Services Award 2017, The Asian Banker.

Complimentary 6-month Personal Accident Plan

^ This insurance is effective from the date of account opening and will remain valid for 180 days thereafter. The principal or main account holder ("Insured Person") will receive an SMS notification upon being eligible for the complimentary worldwide Personal Accident Protection of S$25,000. Policy Terms and conditions apply.

Deposits

1 Maximum effective interest rate (EIR) on the One Account is 0.25% p.a. for deposits of S$75,000, provided customers meet the criterion of S$500 Card Spend in each calendar month. Maximum effective interest rate (EIR) on the One Account is 1.00% p.a. for deposits of S$75,000, provided customers meet both criteria of S$500 Card Spend AND (a) a min. S$2,000 salary credit via GIRO OR (b) 3 GIRO debit transactions in each calendar month. Visit uob.com.sg/oneaccount for full terms and conditions.

2 Maximum effective interest rate (EIR) on the UOB Stash Account® is 0.58% p.a. for deposits of S$100,000, provided the customer’s meet Monthly Average Balance for the present calendar month is equal to or more than the Monthly Average Balance for the preceding calendar month. UOB Stash Account Terms and Conditions apply.

# This calculation is based on a UOB Stash Account® holder with an initial deposit of S$100,000 and who maintains a Monthly Average Balance of at least S$100,000 for 12 months. Total interest earned will be up to 1.00% p.a., more than 11 times that of a normal savings account earning an interest rate of 0.05% p.a. This calculation is for illustrative purposes only and is not a representation, warranty or assurance of the actual interest credited.

3 KrisFlyer miles will be calculated for every S$5.00 of the monthly sum of your Eligible Transactions. Minimum S$1,000 deposit balance must be maintained in KrisFlyer UOB Account to earn bonus KrisFlyer miles. Bonus KrisFlyer miles earned will be capped at 5% of the Monthly Average Balance in KrisFlyer UOB Account. Monthly Average Balance is the summation of each day-end balance in KrisFlyer UOB Account for each month divided by the number of calendar days for that month. Full terms and conditions apply to all featured privileges and promotions. Visit uob.com.sg/KrisFlyerUOB to find out more.

4 The UOB Lady’s Savings Account is only applicable to females. A prevailing base interest is payable and it is calculated at the end of each day, based on each day-end balance in the UOB Lady’s Savings Account. The female cancer benefit sum assured is calculated based on the rolling average of past three months’ Monthly Average Balances. Monthly Average Balance is the summation of each day-end balance in the UOB Lady’s Savings Account for each month, divided by the number of calendar days for that month. The female cancer benefit covers Breast, Cervix Uteri, Fallopian Tube, Uterus, Vagina/Vulva, Ovary and it excludes pre-existing conditions. Female cancer benefit min entry age 16 years old (age last birthday); max entry age 50 years old (age last birthday); Female cancer benefit will cease at age 65. UOB Lady’s Savings Account Terms and Conditions apply. Visit uob.com.sg/ladysaccount for details.

IMPORTANT NOTICE AND DISCLAIMERS

Buying a life insurance policy is a long term commitment. An early termination of the policy usually involves high costs and the surrender value payable (if any) may be less than the total premiums paid. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. This marketing material is not a contract of assurance nor is it intended as an offer or recommendation with respect to the purchase or sale of the above products. Acceptance of the proposal is subject to underwriting. The precise terms and conditions of the above products are specified in the policy. United Overseas Bank Limited does not hold itself out to be an insurer, insurance broker or insurance agent. The insurance products and services stated herein are provided by Prudential Assurance Company Singapore (Pte) Limited.

The above is provided for general information only and is not a contract of insurance. Full details of the terms, conditions and exclusions of this insurance are provided in the policy contract and will be sent to you upon acceptance of your application by United Overseas Insurance Limited ("UOI"). You may wish to seek advice from a qualified adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from a qualifier adviser, you should consider carefully whether this product is suitable for you. United Overseas Bank Limited does not hold itself out to be an insurer, insurance broker or insurance agent. The insurance products and services stated herein are provided by UOI.

This publication shall not be regarded as an offer, recommendation, solicitation or advice to buy or sell any investment product and shall not be transmitted, disclosed, copied or relied upon by any person for whatever purpose. Any description of investment products is qualified in its entirety by the terms and conditions of the investment product and if applicable, the prospectus or constituting document of the investment product. Nothing in this document constitutes accounting, legal, regulatory, tax, financial or other advise. If in doubt, you should consult your own professional advisers about issues discussed herein. The information contained in this publication, including any data, projections and underlying assumptions, are based on certain assumptions, management forecasts and analysis of known information and reflects prevailing conditions as of the date of the article, all of which are subject to change at any time without notice. Although every reasonable care has been taken to ensure the accuracy and objectivity contained in this publication, United Overseas Bank Limited ("UOB") and its employees make no representation or warranty of any kind, express, implied or statutory, and shall not be responsible or liable for its completeness or accuracy. As such, UOB and its employees accept no liability for any error, inaccuracy, omission or any consequence or any loss/damage howsoever suffered by any person, arising from any reliance by any person on the views expressed or information in this publication.

The above is for general information only and does not have any regard to your specific investment objectives, financial situation and any of your particular needs. You may wish to seek advice from a financial adviser before making a commitment to purchase these products. In the event that you choose not to seek advice from a financial adviser, you should consider carefully whether the products are suitable for you.

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

# Deposit Insurance Scheme

Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S$75,000 in aggregate per depositor per Scheme member by law. Monies and deposits denominated in Singapore dollars under the CPF Investment Scheme and CPF Retirement Sum Scheme are aggregated and separately insured up to S$75,000 for each depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

UOB Lady's Savings Account Group Cancer Plan ("Plan") is underwritten by Prudential Assurance Company Singapore (Pte) Ltd (Reg. No. 199002477Z.) ("Prudential") and United Overseas Bank Limited ("UOB") is the Master Policyholder of this Plan.

You are recommended to read the FAQ and Terms and Conditions documents. For more information, please seek advice from a UOB Banker or a qualified financial adviser representative. As this Plan has no savings or investment feature, there is no cash value if the Plan ends or if the Plan is terminated prematurely.

This publication is for reference only and is not a contract of insurance. Please refer to the exact terms and conditions, specific details and exclusions applicable to this Plan in the FAQ and Terms and Conditions documents which can be obtained from a UOB Banker or a qualified financial adviser representative.

This publication is intended to be valid in Singapore only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance product outside Singapore.

Policy Owners' Protection Scheme

These policies are protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for these policies are automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the General Insurance Association (GIA) / Life Insurance Association (LIA) or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

United Overseas Bank Limited Co. Reg. No. 193500026Z
Prudential Assurance Company Singapore (Pte) Limited. Reg. No. 199002477Z
Information is correct as at May 2020.