FTSE/STOXX Step Down Kick-Out Plan 4 UK Four Option

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FTSE/STOXX Step Down Kick-Out Plan 4 UK Four Option Structured Products FTSE/STOXX Step Down Kick-Out Plan 4 UK Four option Potential for maturity at the end of years 2, 3, 4, 5 or 6 with a fixed payment equal to 7.65% per annum (not compounded) if both the FTSE 100 and EURO STOXX 50 are above a reducing percentage of their starting levels. If the Plan runs for the full 6 years and either the FTSE 100 or EURO STOXX 50 finish lower than 60% of their respective starting levels, you will lose some or all of your initial investment. Limited offer ends: 27 April 2018. This offer is available for tax years 2017/18 and 2018/19. Issuer of Securities: SG Issuer Plan Manager: Investec Bank plc Double ISA 2017/18 and/or 2018/19 FTSE/STOXX Step Down Kick-Out Plan 4 – UK Four option This brochure has been prepared by Investec Structured Products which is a trading name of Investec Bank plc. This Plan is provided and administered by Investec Bank plc. The Securities underlying this Plan are issued by SG Issuer, and guaranteed by Société Générale. About Investec About Société Générale Investec (comprising Investec Limited and Investec plc) Société Générale is one of the largest European financial is an international specialist bank and asset manager services groups. Based on a diversified universal banking that provides a diverse range of financial products and model, the Group combines financial solidity with a services to a select client base in three principal markets, strategy of sustainable growth, and aims to be the the UK and Europe, South Africa and Asia/Australia reference for relationship banking, recognised in its as well as certain other countries. The group was markets, close to clients, chosen for the quality and established in 1974 and currently has approximately commitment of its teams. More than 146,000 9,900 employees. employees, based in 66 countries, accompany 31 million Investec focuses on delivering distinctive profitable clients throughout the world on a daily basis. Société solutions for its clients in three core areas of activity Générale’s teams offer advice and services to individual, namely, Asset Management, Wealth & Investment and corporate and institutional customers. Specialist Banking. Société Générale is a French credit institution (bank) that Investec sponsors the Investec Derby Festival, the is authorised and supervised by the European Central England & GB Women’s Hockey teams, the Investec Bank (ECB) and the Autorité de Contrôle Prudentiel et Rugby Championship and Investec Super Rugby in de Résolution (ACPR) (the French Prudential Control New Zealand. We are also proud to support Investec and Resolution Authority) and regulated by the Autorité Opera Holland Park and the National Gardens Scheme. des marchés financiers (the French financial markets For more information on Investec speak to your financial regulator) (AMF). Société Générale London Branch is adviser or visit www.investecstructuredproducts.com authorised by the ECB, the ACPR and the Prudential Regulation Authority (PRA) and subject to limited regulation by the Financial Conduct Authority (FCA) and the PRA. Important information This document is not a prospectus, but an advertisement, and investors should not subscribe for any investment in the FTSE/STOXX Step Down Kick-Out Plan 4 – UK Four option except on the basis of information in the Key Information Document, the Société Générale Debt Instruments Issuance Programme Base Prospectus dated 27 June 2017 and the related Final Terms. Copies of the Base Prospectus and any Base Prospectus Supplements can be obtained upon request from Société Générale, 10 Bishops Square, London E1 6EG or via the website http://prosectus.socgen.com 2 FTSE/STOXX Step Down Kick-Out Plan 4 – UK Four option Key events and dates Contents Offer periods Key events and dates 3 2017/18 ISAs: How can I contact you? 3 19 March 2018 to 5 April 2018 Direct investments and 2018/19 ISAs: What is the aim of the Plan? 4 19 March 2018 to 27 April 2018 Your commitment 4 ISA transfers: Plan overview 4 19 March 2018 to 6 April 2018 Plan dates What are the risks of the investment? 6 Start Date: 8 May 2018 How does the Plan work? 7 Final Maturity Date: 8 May 2024 Examples of what you might get back at the Kick-Out Dates: 8 May 2020 end of the Plan Term 10 10 May 2021 9 May 2022 What is your counterparty risk and what is 8 May 2023 the Collateral? 11 ISIN code What is the UK Four? 12 GB00BF9B5922 Are there any compensation arrangements Issuer in place? 13 SG Issuer Is this investment right for you? 14 How can I contact you? How to invest 15 Ways to invest 15 As you have a financial adviser please continue to use them as your first point of contact. Using your ISA allowance 15 Alternatively, you can write to us at: Your questions answered 16 Investec Structured Products, Terms and Conditions 25 PO Box 914, Newport NP20 9PE. You can also contact us by telephone Definitions 25 on 0344 892 0942. Or visit our website: www.investecstructuredproducts.com Terms in this brochure beginning with a capital letter, unless otherwise defined, have the meanings given to them in the Definitions appearing on page 25 of this brochure. 3 FTSE/STOXX Step Down Kick-Out Plan 4 – UK Four option What is the aim of the Plan? The aim is to increase the value of your investment after 6 years, or earlier if the Plan matures early. Your commitment You must be able to commit a sum of at least £3,000 for the full 6 years. Plan overview The Plan is designed to repay your initial investment and deliver a return dependent on the performance of the FTSE 100 and EURO STOXX 50. If at the end of years 2, 3, 4, 5 or 6 both the FTSE 100 and EURO STOXX 50 are higher than a specified percentage of their starting levels, the Plan will mature returning your initial investment plus a fixed payment equal to: ›› 7.65% per annum not compounded The below table shows the levels that both the FTSE 100 and EURO STOXX 50 need to exceed for the Plan to Kick-Out or pay a return. % of each index’s Year Return starting level 2 100% 15.3% 3 95% 22.95% 4 90% 30.6% 5 85% 38.25% 6 80% 45.9% However, if the Plan runs for the full 6 years and at the end of year 6, either the FTSE 100 or EURO STOXX 50 finish lower than 60% of their respective starting levels, your initial investment will be reduced by 1% for every 1% fall in the worst performing index at the end of the Plan Term. For further details on how we calculate your returns, which includes the use of averaging, please see ‘How does the Plan work?’ on page 7. 4 FTSE/STOXX Step Down Kick-Out Plan 4 – UK Four option Plan overview continued This Plan is comprised of Securities which are issued by SG Issuer (‘the Issuer’), a subsidiary of Société Générale, and guaranteed by Société Générale (‘the Guarantor’). This Plan is collateralised in order to reduce the risk of potential loss to your investment should Société Générale 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. For more information on Credit Events please see page 12. 5 FTSE/STOXX Step Down Kick-Out Plan 4 – UK Four option What are the risks of the investment? ›› Your initial investment is at risk. If the Plan runs for the full 6 years and either the FTSE 100 or EURO STOXX 50 finishes below 60% of their respective starting levels, your initial investment will be reduced by 1% for every 1% fall in the worst performing index. ›› The FTSE 100 and EURO STOXX 50 move independently of one another and the performance of the Plan is linked to the worst performing of these two indices. Therefore there could be an instance where one index finishes higher but one index finishes lower than 60% of its starting level. This will result in a reduction of your initial investment. ›› This Plan is designed to be held for the full Plan Term. If you need to redeem your investment before the end of the Plan Term, Investec as Plan Manager will request a redemption price for the Securities from the Issuer, however there is no guarantee that the Issuer will provide a redemption price to facilitate the early redemption of your investment. If you do redeem before the end of the Plan Term, you may get back less than the amount you originally invested. ›› If any, or all, of the UK Four experience a Credit Event: a) your investment will be at risk (25% proportion for each of the UK Four); b) any payment you receive in relation to the proportion of your investment linked to any affected UK Four institution may be paid at a time which is different to the Final Maturity Date and may be paid at a time which is significantly later. For more information on the UK Four see page 12. ›› After the Issuance Date and prior to the Final Maturity Date, if the Issuer fails or becomes insolvent (i.e. goes bankrupt or similar) you must rely on the guarantee from Société Générale (the Guarantor) and/or the Collateral for the return of your investment. If the Collateral falls in value after the Issuer and the Guarantor fail or become insolvent, it may be insufficient to cover your investment.
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