Fair Dealing

You may close your accounts before the changes take effect by following the Terms and Conditions Governing Accounts and Services. If you keep or continue to use your account (including terminate through your use of the UOB ATM Card issued to you) after the changes take effect, you will be taken to have agreed to the changes. Closing your accounts will all other related services (including your UOB ATM Card and GIRO payments). Prematurely withdrawing or terminating your fixed deposit may affect interest on your fixed deposit and incur additional fees and charges.

You may terminate your card and close your card account by following the UOB Cardmembers Agreement (for UOB Credit Cards) or the UOB Debit Cardmember Agreement (for UOB Debit Cards) and repay us all outstanding amounts before the changes take effect. Otherwise, you will be taken to have agreed to the changes.

• For UOB Debt Consolidation Plan, you may terminate the facility by following the Terms and Conditions Governing Debt Consolidation Facility and make full payment of the outstanding on the facility before the changes take effect. Otherwise, you will be taken to have agreed to the changes.
• For UOB Credit Card and CashPlus Personal Loan, you may close your Credit Card Personal Loan account or CashPlus Personal Loan account by following the UOB Credit Cards Personal Loan Terms & Conditions or the UOB CashPlus Personal Loan Terms & Conditions respectively and make full payment of all outstanding amounts (including all associated fees and charges) before the changes take effect. Otherwise, you will be taken to have agreed to the changes.
• For UOB Credit Card and CashPlus Balance Transfer, you may terminate the facility by making full repayment of all outstanding amounts owing (including any associated fees and charges) before the changes take effect. Otherwise, you will be taken to have agreed to the changes.

You may cancel the facility as per the terms of your facility letter and make full repayment of all outstanding amounts on the facility (including any associated fees and charges) before the changes take effect. Otherwise, you will be taken to have agreed to the changes.

You may terminate the hiring, make full repayment and acquire ownership of the goods or terminate the hiring, make full repayment and return the goods, in either case, before the changes take effect as per your Hire Purchase Agreement. If you do not do so, you will be taken to have agreed to the changes.

You may, before the changes take effect:

• terminate the provision of investment services, sell/redeem/cancel/transfer all your existing investment products purchased with or through us and not purchase any new investment products with or through us, and pay all associated fees and charges; and/or
• close your investment account(s) with us and pay us all outstanding amounts, by following the applicable terms governing the provision of investment services and/or the relevant investment accounts. If you continue to retain any of your investments or your investment account with us (whether or not you purchase any new investments), you will be taken to have agreed to the changes.

You may terminate the facility and make full repayment of the outstanding amount (including any associated fees and charges) as per your facility letter. If you do not do so, you will be taken to have agreed to the changes;

You shall inform us in writing so that we can withdraw the provision of any or all of the additional services for Wealth Banking, Privilege Banking, or Privilege Reserve Banking (as the case may be) and/or request to terminate your Wealth Banking, Privilege Banking, or Privilege Reserve relationship (as the case may be) or change your UOB banking relationship segment, before the changes take effect. If you continue to use any of such services, you will be taken to have agreed to the changes;

You shall discontinue operating your account(s) and using our services as a Private Bank client, close your account(s) and pay all outstanding amounts (including any associated fees and charges), or change your UOB banking relationship segment before the changes take effect. If you continue to operate any account or use any service as a Private Bank client, you will be taken to have agreed to the changes.

If you have signed up for any investment services, you may terminate them by following the applicable terms, and paying all outstanding amounts (including any associated fees and charges), before the changes take effect. If you continue to use these services, you will be taken to have agreed to the changes.