Strategic foreign currency planning for your financial goals

This document is prepared for general information only and does not have any regard to the specific investment objectives, financial situation and the particular needs of any particular person who may receive this document. The information in this document shall not be regarded as an offer, recommendation, solicitation or advice to buy or sell any banking product and shall not be transmitted, disclosed, copied or relied upon by any person for whatever purpose. Nothing in this document constitutes accounting, legal, regulatory, tax, financial or other advice. If in doubt, you should consult your own professional advisors about issues discussed herein.

Foreign Currency Investments
There are inherent risks involved in any investment, such as foreign exchange risk, sovereign risk and interest rate fluctuations. Adverse foreign exchange rate movements could erase your deposit interest earnings completely, reduce the original capital amount or increase the quantum of loan payment substantially. The value of your redemption amount/returns on deposits at maturity may be less than your principal investment amount on conversion if the prevailing exchange rate moves against your favour. Exchange controls may also apply from time to time to certain foreign currencies that may affect the convertibility or transferability of that currency.

Dual Currency Investment
Dual Currency Investment has risk and investment elements and is not a fixed deposit. This investment product offers premium interest rates as may be agreed between you and United Overseas Bank (Malaysia) Bhd (“UOB Malaysia”) with an embedded option granted by you to UOB Malaysia. In the event that UOB Malaysia exercises the said option, the value of your investment in the Base Currency will be converted into the Alternate Currency, regardless of whether you wish to be paid in this currency at that time. The value of your redemption amount at maturity may be less than your principal investment amount on conversion if the prevailing exchange rate moves against your favour.

Exchange controls may also apply from time to time to certain foreign currencies that may affect the convertibility or transferability of that currency. It is advisable for you to seek advice from a licensed or an exempt financial adviser before making a commitment to purchase the product. In the event that you choose not to have a licensed or an exempt financial adviser, you should consider carefully whether the product is suitable for you in light of your financial needs, investment goals and objectives and risk appetite. UOB Dual Currency Investment is an investment product that requires you to hold the product to maturity with a right given to UOB Malaysia to terminate prematurely upon occurrence of certain Extraordinary Events stipulated in the Dual Currency Investment Facility Agreement. Unless UOB Malaysia otherwise agrees, the investment amount cannot be withdrawn by you, whether partially or in whole, prior to its maturity. If UOB Malaysia allows for any early withdrawal, UOB Malaysia shall be entitled to deduct from the investment amount, any loss, costs, charges and/or expenses incurred by UOB Malaysia (including but without limiting to UOB’ Malaysia’s unwinding or termination of its hedging and/or funding position) and such other administrative and other charges as UOB Malaysia may impose. In such instances, you may receive less than the principal investment amount.

Investments, including foreign currency investments, unit trusts, and bonds, are subject to market risks, including but not limited to foreign exchange risk, interest rate fluctuations, and sovereign risk. Returns are not guaranteed, and you may incur loses and may not recover the full amount invested. Past performance is not indicative of future results. Exchange rate movements may affect the value of your investments, returns, and repatriated amounts.

Investments are not deposits and are not protected by Perbadanan Insurans Deposit Malaysia (PIDM). Please read the relevant prospectus, Information Memorandum, Product Highlights Sheet or Product Information Sheet, and product terms and conditions before investing.

This advertisement has not been reviewed by the Securities Commission of Malaysia.

THE RETURNS ON YOUR STRUCTURED PRODUCT INVESTMENT WILL BE AFFECTED BY THE PERFORMANCE OF THE UNDERLYING ASSET/REFERENCE, AND THE RECOVERY OF YOUR PRINCIPAL INVESTMENT MAY BE JEOPARDISED IF YOU MAKE AN EARLY REDEMPTION. THIS STRUCTURED PRODUCT INVESTMENT IS NOT INSURED BY PERBADANAN INSURANS DEPOSIT MALAYSIA.