Current Structured Deposit

UOB Principal Guaranteed Structured Deposit: Growth Deposit - Series (9) (“UOB Growth Deposit - Series (9)”) is a 5 years and 6 months structured deposit which pays you guaranteed interests¹ and guarantees your principal² if held to maturity. The Guaranteed Minimum Interest totaling 6.5% of the Principal Amount payable over the Tenor of 5 years and 6 months is equivalent to an effective interest rate of 1.1817% p.a. assuming that the whole Principal Amount is held till the Maturity Date.

In addition, you enjoy the opportunity to earn a potential Maturity Bonus Interest³ of up to 2% of the Principal Amount that is linked to the difference of 5Y SGD swap rate⁴ and 1Y SGD swap rate⁴.

For more information, please speak to a UOB Personal Banker.

Summary Of Features:

Investment Currency	Singapore Dollars (SGD)
Investment Currency	Singapore Dollars (SGD)
Tenor	5 Years and 6 Months
Offer Period	30 August 2010 to 2 October 2010 (Subject to changes, please refer to Indicative Term Sheet for more details)
Guaranteed Interest	Payable at the end of each of Year 1, Year 2, Year 3, Year 4 & Year 5: 1.2%1 of the Principal Amount Payable at maturity: 0.5%1 of the Principal Amount
Guaranteed Minimum Interest	Totaling 6.5%1 of the Principal Amount
Underlying Instrument	5Y SGD swap rate4 and 1Y SGD swap rate4
Observation Date	4 April 2016 (In the event such date falls on a non-Business Day, it shall be postponed to the immediate following Business Day.)
Potential Maturity Bonus Interest	The potential Maturity Bonus Interest Rate shall be calculated as (i) 5Y SGD swap rate minus (ii) 1Y SGD swap rate observed on the Observation Date. The minimum Maturity Bonus Interest Rate is 0% and maximum Maturity Bonus Interest Rate is 2%.
Minimum Effective Interest Rate	1.1817% per annum (Based on the Guaranteed Minimum Interest totaling 6.5% of the Principal Amount payable over the Tenor assuming that the whole of the Principal Amount is held till the Maturity Date.)

A Guaranteed Interest of 1.20% of the Principal Amount will be paid at the end of each of Year One, Year Two, Year Three, Year Four and Year Five, and a Guaranteed Interest of 0.50% of the Principal Amount will be paid at maturity. The guaranteed interest is guaranteed only if the whole Principal Amount is held with the Bank till the relevant Interest Payment Dates.

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

The potential Maturity Bonus Interest Rate shall be calculated as (i) 5Y SGD swap rate minus (ii) 1Y SGD swap rate observed on the Observation Date. The minimum Maturity Bonus Interest Rate is 0% and maximum Maturity Bonus Interest Rate is 2%.

“5Y SGD Swap Rate” is the rate for a Singapore Dollar swap with a maturity of five years, while the “1Y SGD Swap Rate” is the rate for a Singapore Dollar swap with a maturity of one year, both are expressed in percentage. Please refer to the Indicative Term Sheet for more details.

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 shall have the 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 (9) (“UOB Growth Deposit – Series (9)”) is principal guaranteed only if held until the Maturity Date. The UOB Growth Deposit – Series (9) may not be withdrawn before the Maturity Date without express consent from UOB. The Tenor of this structured deposit is 5 years and 6 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 (9). 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 (9) is suitable for you.

Unlike traditional deposits, the UOB Growth Deposit – Series (9) 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 (9).

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