¹A Guaranteed Fixed Interest of 1.15% of the Principal Amount will be paid at the end of Year One, 1.25% of the Principal Amount will be paid at the end of Year Two, 1.35% of the Principal Amount will be paid at the end of Year Three, 1.45% of the Principal Amount will be paid at the end of Year Four and 1.55% of the Principal Amount will be paid at the end of Year Five. The total guaranteed minimum interest of 7.5% comprises a Guaranteed Fixed Interest totaling 6.75% of the Principal Amount plus a minimum Maturity Variable Interest of 0.75% to be paid at maturity. The total guaranteed minimum interest is guaranteed only if the whole Principal Amount is held with the Bank till the relevant Interest Payment Dates and Maturity Date.

²Only if the whole Principal Amount is held till the Maturity Date.

³The Maturity Variable Interest Rate shall be calculated as the product of (i) 1.2 and (ii) 5Y SGD Swap Rate minus 2Y SGD Swap Rate (i.e. 1.2 x {5Y SGD Swap Rate - 2Y SGD Swap Rate}) observed on the Observation Date. The minimum Maturity Variable Interest Rate is 0.75% and maximum Maturity Variable Interest Rate is 3.6% to be paid at maturity.

⁴"5Y SGD Swap Rate" is the rate for a Singapore Dollar swap with a maturity of five years, while the "2Y SGD Swap Rate" is the rate for a Singapore Dollar swap with a maturity of two years, both are expressed in percentage. Please refer to the Indicative Term Sheet for more details.

*For more information on the structure and interest rate for UOB Growth Deposit - Series (11) in USD, please speak to a UOB Personal Banker

^While stocks last. Terms and conditions apply.

^#Limited edition UOB 999 Fine Gold-Plated Bar ("Gift") is valid for customers with a minimum investment of S$80,000 or equivalent of S$80,000 in USD (exchange rate will be based on the Bank's prevailing rate of exchange, rounded up to the nearest thousand in USD) in UOB Growth Deposit - Series (11) during its Offer Period between 8 November and 11 December 2010, subject to UOB's assessment of product suitability for the customer.

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

A copy of the Indicative Term Sheet is available at the point of sale or at any United Overseas Bank Limited ("UOB") branch.

Important - Please note:
The above is for general information only and does not constitute an offer, an invitation to offer, a solicitation or a recommendation by UOB to enter into or conclude any transaction. The amount placed in the UOB Principal Guaranteed Structured Deposit: Growth Deposit - Series (11) ("UOB Growth Deposit - Series (11)") is principal guaranteed only if held until the maturity date. The UOB Growth Deposit - Series (11) may not be withdrawn before the maturity date without express consent from UOB. The Tenor of this structured deposit is 5 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 Growth Deposit - Series (11). In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should consider carefully whether UOB Growth Deposit - Series (11) is suitable for you.

Unlike traditional deposits, the UOB Growth Deposit - Series (11) has risk and investment elements, are not an insured deposit within the meaning of the Deposit Insurance Act (Cap 77A)

In addition, structured deposits are not fixed deposits and 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 Monetary Authority of Singapore (which is in effect until 31 December 2010).

United Overseas Bank Limited is the structured deposit taking institution for UOB Principal Guaranteed Structured Deposit: Growth Deposit - Series (11).