A maximum eight year structured investment plan linked to the performance of the FTSE 100 Index. The Plan can mature at the end of years 2, 3, 4, 5, 6, 7 or 8 with a fixed payment equal to 6.2% per annum (not compounded), if the FTSE 100 is above a reducing percentage of its starting level.

Key Dates

Closing Date: 20 July 2018 ISA Transfers: 29 June 2018
Start Date: 30 July 2018 Maturity Date: 30 July 2026
Important: The closing date for applications by cheque is 11 July 2018 and by bank transfer is 17 July 2018.
*Important Information: The return of your capital depends on the performance of the FTSE 100 Index and the ability of the counterparties (UK Four (Aviva plc, Barclays Bank plc, HSBC Bank plc and Lloyds Bank plc)) to repay the monies.

Key Terms

Potential Return: 6.2% per annum

Investment Type: Auto-Call/Kick-Out

Product Type: Capital at Risk

Investment Term: Maximum 8 years

Minimum Investment: £3,000

Underlying Asset: FTSE 100 Index

Capital Protection: Capital is at risk if the Plan runs for the full 8 years and at the end of year 8, if the FTSE 100 finishes lower than 60% of its starting level, your initial investment will be reduced by 1% for every 1% fall in the index at the end of the Plan Term.

How to invest

Applications for the Plan must be submitted via Best Price Financial Services and received by 5pm on 17 July 2018 for bank transfers.

The closing date for applications by cheque is 11 July 2018

The closing date for applications by ISA transfers is 27 June 2018.

This will enable us to process your application and forward it on to the structured product provider.

1Firstly, print off and complete our Appropriate Assessment Questionnaire. All applications require two proofs of identity - see the questionnaire for more information.

2Next, click Download Plan on the left and download, print and complete the application form available. Note that Investec applications will have multiple documents, so please choose the one relevant to you.

3Place all completed documents - questionnaire, proofs of identity, application form and cheques for payment - in an envelope and post to:

Best Price Financial Services,
The Tythe Barn, 5 Eglwys Nunnydd,
Margam, Neath Port Talbot
SA13 2PS

Fees for Non-Advised Investments

All non-advised sales carry an arrangement fee of just 0.5%* of your investment. This is the cheapest percentage fee you'll find online, and all designed to help you make the most of your money. To work out the charge for your investment, use our simple cost calculator.

*A minimum fee of £75 applies for private investments.

How much does it cost to invest?

A minimum fee of £75 applies for ISAs, ISA transfers and Direct cash investments. All other investments carry a minimum fee of £100.

Further Information

The FTSE 100 Defensive Step Down Kick Out Plan 12 (UK 4 option) is designed to repay your initial investment and deliver a return dependent on the performance of the FTSE 100.

Potential for maturity at the end of years 2, 3, 4, 5, 6, 7 or 8 with a fixed payment equal to 6.2% per annum (not compounded), if the FTSE 100 is above a reducing percentage of its starting levels.

The Reference Levels are as follows: year 2 at 100%; year 3 at 100%; year 4 at 100%; year 5 at 95%, year 6 at 90%, year 7 at 85% and year 8 (Final Level) at 65%

If the Plan continues to the end of year 8, the closing levels of the FTSE 100 are used to calculate the Final Index Level, as explained below:

  • If the Final Index Level is higher than 65% of the Initial Index Level, you will receive back your initial investment plus 37.2%.
  • If the Final Index Level is equal to or lower than 65% of the Initial Index Level but is equal to or higher than 60% of the Initial Index Level, you will receive back your initial investment with no return.
  • If the Final Index Level is lower than 60% of the Initial Index Level, you will receive back your initial investment minus 1% for every 1% fall in the FTSE 100 (including partial percentages). For example, if the Final Index Level has fallen by 50% from the Initial Index Level then your initial investment will be reduced by 50%.

This Plan is comprised of Securities which are issued by SG Issuer (the Issuer), a subsidiary of Societe Generale, and guaranteed by Societe Generale (the Guarantor).

This Plan is collateralised in order to reduce the risk of potential loss to your investment should Societe Generale fail or become insolvent. Instead, the risk to your investment will be dependent on whether any of the four named UK institutions; the UK Four, (Aviva plc, Barclays Bank plc, HSBC Bank plc and Lloyds Bank plc) experience a Credit Event.

The FTSE 100 Defensive Step Down Kick Out Plan 12 (UK 4 option) has been designed for clients looking for equity-linked returns over an 8 year period, but can accommodate receiving their money back before the end of the term. The payoff profile has been designed to suit clients who are cautious on equity market growth. Clients are likely to have a medium to high attitude to risk and be prepared to risk their capital in order to potentially achieve higher returns. This product is aimed at a more market cautious client who has high financial sophistication.