UOB Structured Deposits: Principal Guaranteed When Held To Maturity

UOB Structured Deposit 2014 - Series (3)* is a 5-year and 11-month investment which pays you guaranteed minimum interest and guarantees your principal if the whole principal amount is held to maturity.

Enjoy key benefits that include:

Minimum guaranteed interest payout
Your principal is 100% protected
Earn maturity variable interest on top of the guaranteed interest

Receive:

Total Guaranteed Minimum Interest of 10.5% of the Principal Amount over 5 years and 11 months (equivalent to an effective interest rate of 1.7774% a year)
100% Principal Amount guaranteed when held to maturity
Maturity Variable Interest of up to 4% linked to 5 Singapore Company Shares*

(For Cash investments only)

How does it work? (Illustration)

UOB Structured Deposit 2014 - Series (3)

Assuming an investment amount of S$10,000, held till maturity:

	Best Case Scenario (Maximum Interest Payable)
End of Year	Guaranteed Fixed Interest Rate on Principal Amount	Maturity Variable Interest Rate on Principal Amount	Total Interest Payable
1	1.9%	-	1.9%
2	1.9%	-	1.9%
3	1.9%	-	1.9%
4	1.9%	-	1.9%
5	1.9%	-	1.9%
At maturity	-	4%	4%
Total interest payout	9.5%	4%	13.5%
Principal + Interest payout	S$10,000 + S$950 + S$400 = S$11,350

	Worst Case Scenario (Minimum Interest Payable)
End of Year	Guaranteed Fixed Interest Rate on Principal Amount	Maturity Variable Interest Rate on Principal Amount	Total Interest Payable
1	1.9%	-	1.9%
2	1.9%	-	1.9%
3	1.9%	-	1.9%
4	1.9%	-	1.9%
5	1.9%	-	1.9%
At maturity	-	1.0%	1.0%
Total interest payout	9.5%	1.0%	10.5%
Principal + Interest payout	S$10,000 + S$950 + S$100 = S$11,050

At a Glance:

Investment Currency

Singapore Dollars (SGD)

Tenor

5 Years and 11 Months

Offer Period

13 October 2014 to 8 November 2014^{^}

Guaranteed Fixed Interests

Payable at the end of:

End of Year	% of the Principal Amount
1	1.9%
2	1.9%
3	1.9%
4	1.9%
5	1.9%

Total Guaranteed Fixed Interest = 9.5%

Maturity Variable Interest

Minimum at 1.0% of the Principal Amount and maximum at 4% of the Principal Amount*

Total Guaranteed Minimum Interest

10.5%* of the Principal Amount (Being Total Guaranteed Fixed Interest of 9.5% plus minimum Maturity Variable Interest of 1.0%)

Minimum Effective Interest Rate

1.7774% per annum
(Based on total guaranteed minimum interest of 10.5%* of the Principal Amount.)

Shares in Underlying Basket

DBS Group Holdings Limited (“DBS”)
Global Logistic Properties Limited ("GLP")
Keppel Corporation Limited (“KEP”)
Oversea-Chinese Banking Corporation ("OCBC")
Singapore Telecommunications Limited ("ST")

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

*Note: Product terms and conditions apply. Please refer to the Indicative Term Sheet for more details. A copy of the Indicative Term Sheet is available at the point of sale or at any United Overseas Bank Limited (“UOB”) branch.
+Only for existing UOB Personal Internet Banking (PIB) customers with a fixed deposit account. Online purchase is subjected to passing the Customer Knowledge Assessment (CKA) on UOB PIB.

Important – Please note:
The above is for general information only and does not constitute an offer, an invitation to offer, a solicitation or a recommendation by UOB to enter into or conclude any transaction. The amount placed in the UOB Principal Guaranteed Structured Deposit 2014 – Series (3) (“UOB Structured Deposit 2014 - Series (3)”) is principal guaranteed only if held until the maturity date. Investing in a structured deposit entails certain risks, including potential loss of the principal sum invested if the investment is not held to maturity. Please refer to the Indicative Term Sheet for full product details. You may wish to seek advice from a licensed or an exempt financial adviser before making a commitment to purchase UOB Structured Deposit 2014 - Series (3). In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should consider carefully whether UOB Structured Deposit 2014 - Series (3) is suitable for you.

Structured deposits are not fixed deposits. Unlike traditional deposits, the UOB Structured Deposit 2014 - Series (3) has risk and investment elements, and is not an insured deposit within the meaning of the Deposit Insurance and Policy Owners’ Protection Schemes Act 2011.

United Overseas Bank Limited Co. Reg. No. 193500026Z (10.14)