Terms and Conditions Governing the UOB Global Currency Premium Account Deposit Promotion (1 February to 29 February 2016)
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1 Terms and Conditions Governing the UOB Global Currency Premium Promotion (1 ruary to 29 ruary ) 1 Definitions 1.1 means a UOB Global Currency Premium USD ( USD ), UOB Global Currency Premium AUD ( AUD ), UOB Global Currency Premium NZD ( NZD ) and/or UOB Global Currency Premium GBP ( GBP ) which is in good standing at all times during this Promotion as determined by the Bank at its discretion. 1.2 holder(s) means the holder(s) the. 1.3 Bank means United Overseas Bank Limited ( UOB ) or Far Eastern Bank Limited ( FEB ) as the case may be, and includes any successors or assigns the Bank. 1. Day-end means the last outstanding balance in the on the relevant day. 1.5 refers to (i) funds in the form non-uob/feb cheques; (ii) other funds that are not transferred from any existing UOB/FEB current/savings or fixed deposit account; or (iii) other funds that are not withdrawn from any existing UOB/FEB current/savings or fixed deposit account and re-deposited (whether part or all the amounts withdrawn) into the within the Promotional Period. 1.6 (IFFB) refers to the daily increase in the balance calculated in accordance with Clause Minimum means a lump sum deposit in $50,000 in USD or AUD or NZD or GBP into a USD or AUD or NZD or GBP respectively during the Promotional Period. 1. (MAB) means the sum each Day-end balance in an for every day in the month divided by the number days in that month as stipulated in Clause refers to the date on which the first Minimum is made into the (and received by the Bank) during the Promotional Period and the is submitted to the Bank means the form to be completed by the holder in order to participate in the Promotion s means the interest rates stipulated in Clause 2.1 herein. 1. Promotion means this UOB Global Currency Premium Promotion (1 ruary to 29 ruary ) 1.13 Promotion Term means in respect a qualifying, the period three (3) months from the, both dates inclusive, as stipulated in Clause 2.2 herein. 1.1 Promotional s means the promotional interest rates stipulated in Clause 2.2 herein which are applicable only to the in the for the Promotional Term. 1. Promotional Period means the period from 1 ruary to 29 ruary, both dates inclusive.
2 1.16 Terms and Conditions means the terms and conditions set out herein for this Promotion, as may be amended from time to time Total means the sum s and Promotional s. 1.1 $ in respect a USD refers to United States Dollars, in respect an AUD refers to Australian Dollars, in respect a NZD refers to New Zealand Dollars and in respect a GBP refers to Great British Pounds. 2 Promotion 2.1 s The s for the USD, AUD, NZD and GBP as at 31 January are as follows: s Dayend is Below $50,000 Dayend is $50,000 to $39, Dayend is $350,000 to $999, Dayend is $1,000,000 and above USD 0.05% p.a. 0.05% p.a. 0.10% p.a. 0.10% p.a. AUD 1.00% p.a. 1.20% p.a. 1.50% p.a. 1.0% p.a. NZD 1.00% p.a. 1.25% p.a. 1.50% p.a. 1.50% p.a. GBP 0.05% p.a. 0.05% p.a. 0.05% p.a. 0.05% p.a. The s will be calculated against the s Day-end on a daily basis. 2.2 Promotional s During the Promotional Period: Customers: a) who open a new at any UOB branch in Singapore with a Minimum ; AND b) complete a to any UOB branch in Singapore, (Referred to as New holders ) shall qualify for this Promotion. For the avoidance doubt, the New holder MUST complete and submit the strictly on the same day as the Minimum to qualify for this Promotion. AND Customers: a) who top up an existing with a Minimum ; AND b) complete a to any UOB branch in Singapore, (Referred to as Existing holders ) shall qualify for this Promotion. For the avoidance doubt, the Existing holder MUST complete the strictly on the same day as the Minimum to qualify for this Promotion.
3 2.2.2 The (IFFB) is calculated on a daily basis as: (IFFB) = (each Day-end in the ) less ( January ) January is calculated as: January = (the summation each Day-end in the for January ) (the number calendar days in January ).The following illustrates the calculation the January. It is for illustrative purposes only, and is not a representation, warranty or assurance applicable January under this Promotion. Each Day-End in the 1 to ( Days) $100, to 31 (16 Days) $200,000 Sum Day-end s in Jan ($100,000 x days) ($200,000 x 16 days) =$,700,000 No. calendar days in Jan 31 Jan $,700,000 / 31 days = S$1, The respective Promotional s for the respective qualifying holders are set out in the table below. These Promotional s are only applicable to the in the and are calculated on a daily basis for the Promotional Term only. minimum $50,000 or more (IFFB) Promotional s (% p.a.) USD (Existing holders) 0.75% USD (New holders) 0.90% AUD (Existing and New holders) 1.20% NZD (Existing and New holders) 1.0% GBP (Existing and New holders) 0.55% Notwithstanding anything to the contrary, the Promotional s are only applicable if the in the is at least $50, The may vary according to the amount deposited and monies withdrawn from the. The holder may make multiple deposits into the, or withdraw monies from the during the Promotional Term, provided always that for the Promotional s to apply to the : (i) (ii) The initial deposit into the during the Promotional Period is a minimum $50,000; $50,000 or more must be maintained in the
4 2.2.6 The maximum Total (i.e. plus the Promotional s) applicable to the deposits in the USD (Existing holders) is 0.5%, and in the USD (New holders) is 1.00%; and in the AUD (for Existing and/or New holders) is 3.00%; and in the NZD (for Existing and/or New holders) is 3.30%; and in the GBP (for Existing and/or New holders) is 0.60% 2.3 The following illustrates the calculation the s and Promotional s under the Promotion. These examples are for illustrative purposes only and are not representations, warranties or assurances the interest rates or payments that will be awarded under this Promotion. Illustrations (i)example: Existing AUD with credit balance ( higher than balance) (AUD) (Jan ) Interest s following interest rates Promotional s, during the Promotional Term * AUD 50,000 AUD600,000 AUD 20,000 AUD 60, AUD 70,000 AUD670,000 AUD10,000 (AUD 70,000 AUD 60,000 Jan ) AUD 610,000 (AUD 670,000 AUD 60,000 Jan ) -AUD 20,000 (AUD 0,000 AUD 60,000 AUD0,000 AUD630,000 Jan ) * Promotional Term is from ruary to May AUD AUD AUD Does not qualify ( balance less than IFFB AUD 50,000) AUD Promotional Rate 1.20% p.a. Does not qualify ( balance less than IFFB AUD 50,000)
5 (ii)example: Existing AUD with credit balance ( lower than balance) (AUD) (Jan ) Interest s following interest rates Promotional s, during the Promotional Term * AUD 50,000 AUD 30,000 AUD500,000 AUD 30,000 AUD 5, AUD 0,000 AUD 50,000 AUD 550,000 AUD75,000 (AUD 0,000 AUD 5,000 Jan ) AUD 5,000 (AUD 50,000 AUD 5,000 Jan ) AUD 55,000 (AUD 550,000 AUD 5,000 Jan ) * Promotional Term is from ruary to May (iii)example: New USD (No ) AUD AUD AUD Promotional Rate 1.20% p.a. Does not qualify ( balance less than IFFB AUD 50,000) AUD Promotional Rate 1.20% p.a. * (New ) USD500,000 USD300,000 (USD) (Jan ) Interest s following interest rates Promotional s, during the Promotional Term USD 0 USD USD 500,000 USD 00,000 USD500,000 (USD 500,000 USD 0 Jan ) USD 00,000 (USD 00,000 USD 0 Jan ) USD USD USD 300,000 (USD 300,000 USD USD 300,000 USD 0 USD500,000 Jan ) * Promotional Term is from ruary to May USD Promotional Rate 0.90% p.a. USD Promotional Rate 0.90% p.a USD Promotional Rate 0.90% p.a.
6 (iv)example: Existing USD with credit balance ( lower than balance) (USD) (Jan ) Interest s following interest rates Promotional s, during the Promotional Term * USD 1,00,000 USD 60,000 USD 20,000 USD 10, USD 1,100,000 USD 1,00,000 USD1,090,000 (USD 1,100,000 USD 10,000 Jan ) USD 1,030,000 (USD 1,00,000 USD 10,000 Jan ) USD 1,530,000 (USD 1,50,000 USD USD 10,000 USD 1,50, ,000 Jan ) * Promotional Term is from ruary to May USD USD USD USD Promotional Rate 0.75% p.a. USD Promotional Rate 0.75% p.a. USD Promotional Rate 0.75% p.a 3. Exchange Rate s 3.1 All exchange rate transactions carried out to convert the deposit amounts into the relevant foreign currency prior to it being deposited in the during the Promotion Period shall be effected at the Bank s prevailing rate exchange. Once a foreign exchange rate is contracted with the Bank, it is binding and the transaction cannot be changed or cancelled. Bank charges and adverse exchange rate movements could reduce interest earnings or the original principal amount for foreign currency deposits. Foreign currency deposits are subject to exchange rate fluctuations which may result in gains or losses. Such deposits may also be subject to exchange controls imposed on the currency held. Earnings on foreign currency deposits would be dependent on the exchange controls prevalent at the time their withdrawal if any conversion takes place.. s / Closure.1 An holder shall not be entitled to the Promotional if the in his falls below the sum $50,000, whether as a result withdrawals, deductions or otherwise. In the event that the is closed within six months from the opening date, the will be subject to an early account closure fee S$30..2 s which are suspended, terminated, cancelled or in the Bank s opinion, are deemed to be delinquent or unsatisfactorily conducted during the Promotion Period shall not enjoy the Promotional s..3 If the Bank subsequently discovers that the holder is in fact not eligible to participate in this Promotion, the Bank may at its discretion amend the interest rate applicable to the deposits to the s or reclaim any the additional interest(s), if already awarded. The holder shall not be entitled to any payment or compensation from the Bank should any additional interest be forfeited or reclaimed by the Bank.
7 5. General 5.1 This Promotion will not be applicable to any deposit that is pledged, encumbered or in any way secured by or given as security to any party (including the Bank). 5.2 The Bank s prevailing Terms and Conditions Governing s and Services (Individual Customers) shall continue to apply and be binding on you. In the event any inconsistency between these Terms and Conditions and any advertising, promotional, publicity, brochure, marketing or other materials relating to or in connection with the Promotion, these Terms and Conditions shall prevail. 5.3 holders will need to maintain sufficient funds in their s to meet their financial commitments. holders will continue to be liable for all associated charges arising from any unsuccessful processing cheques, GIRO deductions or any other payment instructions, whether due to insufficient available funds in the or otherwise. 5. in the Promotion is subject to the Terms and Conditions. The Bank may, at any time and at its discretion, vary, amend, delete or add on to any the Terms and Conditions, including but not limited to varying the Promotion Period, Promotional s or terminating the Promotion at any time without giving any reason or prior notice or assuming any liability to any customers, and all customers shall be bound by these amendments. The Bank shall not be liable to or for any claims, costs, expenses, losses or damages suffered by any person as a result the aforementioned matters. 5.5 The Promotion is not valid with any other privileges or promotions, unless otherwise stated. 5.6 While all the information provided herein is believed to be reliable at the time and date printing, the Bank makes no representation or warranty whether express or implied, and accepts no responsibility or liability for its completeness or accuracy. 5.7 The Bank has the absolute right and unfettered discretion to make decisions on all matters relating to or in connection with the Promotion, including but not limited to the determination whether the holder has met all the requirements the Promotion. The Bank s decisions shall be final, conclusive and binding on all parties concerned and no payment or compensation will be given or paid by the Bank to any person (including the holder). The Bank shall not be obliged to give any reason or enter into any correspondence with any person on any matter relating to the Promotion or its decision. 5. A person who is not a party to any agreement governed by these Terms and Conditions shall have no rights under the Contracts (Rights Third Parties) Act (Cap 53B) to enforce any term such agreement. 5.9 The Terms and Conditions shall be governed by the laws the Republic Singapore and the holder shall be deemed to have agreed to submit to the exclusive jurisdiction the courts the Republic Singapore. Insurance Scheme Singapore dollar deposits non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Insurance Corporation, for up to S$50,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured. Monies and deposits denominated in Singapore dollars under the CPF Investment Scheme and CPF Minimum Sum Scheme are aggregated and separately insured up to S$50,000 for each depositor per Scheme member.
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