UOB Grower Deposit (SGD)
• Guaranteed interest payout of 3.88% on your SGD placement at the end of Year 1   (minimum effective interest rate 0.6063% p.a.)*.

UOB Grower Deposit (USD)
• Guaranteed interest payout of 6% on your USD placement at the end of Year 1   (minimum effective interest rate 1.5334% p.a.)**.

Features of UOB Grower Deposit (SGD / USD)
• 100% of your principal is guaranteed upon maturity or early redemption by UOB^#.
• Guaranteed fixed interest payout at the end of the first year.
• A variable interest linked to the minimum absolute return out of the shares of 15   selected global oil, commodities and technology companies may be paid from year   2 onwards. The absolute return mechanism automatically converts negative return   to positive return. Therefore, unless the minimum absolute return is zero, you can   look forward to a variable interest.
• Lock-in of variable interest. Once the variable interest rate is determined for a   particular year, it will become the minimum interest rate for the subsequent year.   This means that your variable interest rates from year 3 will never be lower than that   of the previous year.
• Tenor of between 2 and 6.50 years for SGD placements*, subject to early   redemption by UOB when your variable interest rate from year 2 equals or exceeds   the Trigger Rate of 2.5% p.a. 
• Tenor of between 2 and 4 years for USD placements**, subject to early redemption   by UOB when your variable interest rate from year 2 equals or exceeds the Trigger   Rate of 5% p.a.
• Participation Rate is fixed at 15% for SGD placements and 26% for USD   placements.

Note
* Terms and conditions apply, please refer to UOB Grower Deposit (SGD) term sheet.
**Terms and conditions apply, please refer to UOB Grower Deposit (USD) term sheet.
# The 100% principal guarantee is applicable only upon maturity or early redemption of the    structured deposit by UOB (whichever is earlier) in its denominated currency. If your structured    deposit is withdrawn before the maturity date or early redemption date, you may receive less    than the principal amount.