This information has been prepared for investment professionals only, and is not to be used with end investors.
While we show annualised returns for comparison purposes, when investors receive the return depends on the terms of the Plan (for example, growth plans will pay the return only at the point the plan matures). The returns shown are not compounded.
| Term | Potential Return (annualised) | Capital at Risk Barrier | Income Trigger | Growth / Kick-Out Trigger | Expected Tax Treatment | Earliest Potential Maturity | |
|---|---|---|---|---|---|---|---|
| Investment Plans: GROWTH (capital at risk) | |||||||
| hop 6Y UK Defensive Step-Down 75 Kickout Plan (CIBC52) | 6 years | 7.75% | 65% | N/A | 105% | 100% | 95% | 90% | 75% | CGT | Year 2 |
| hop 3Y Tech Stock Basket Growth Plan (CIBC53) | 3 years | 14% | 50% | N/A | 50% | CGT | Year 3 |
| hop 6Y UK & Europe Step-Down 65 Kickout Plan (CIBC48) | 6 years | 9% | 65% | N/A | 105% | 100% | 95% | 90% | 65% | CGT | Year 2 |
| hop 5Y Japan Kickout Plan (CIBC51) | 5 years | 15.25% | 65% | N/A | 100% | CGT | Year 1 |
| hop 5Y UK & US Step-Down 65 Kickout Plan (CIBC44) | 5 years | 8.50% | 65% | N/A | Y2: 100% | Y3: 95% | Y4: 95% | Y5: 65% | CGT | Year 2 |
| hop 5Y UK & Europe Defensive Step-Down 70 Kickout Plan (CIBC45) | 5 years | 8.90% | 65% | N/A | Y2: 100% | Y3: 90% | Y4: 80% | Y5: 70% | CGT | Year 2 |
| hop 5Y UK & US Step-Down 80 Kickout Plan (CIBC47) | 5 years | 9.15% | 60% | N/A | Y2: 100% | Y3: 95% | Y4: 90% | Y5: 80% | CGT | Year 2 |
| hop 5Y UK & Europe Defensive 90 Monthly Kickout Plan (CIBC49) | 5 years | 9.2508% | 65% | N/A | 90% | CGT | Year 2 |
| hop 6Y UK & Europe Defensive Step-Down 85 Kickout Plan (CIBC50) | 6 years | 10.40% | 65% | N/A | 100% | 100% | 100% | 95% | 90% | 85% | CGT | Year 1 |
| hop 6Y UK Defensive 85 Step-Down Kickout Plan (CIBC40) | 6 years | 8.20% | 65% | N/A | Y2: 105% | Y3: 100% | Y4: 95% | Y5: 90% | Y6: 85% | CGT | Year 2 |
| hop 6Y UK Defensive 65 Step-Down Kickout Plan (CIBC41) | 6 years | 7.30% | 65% | N/A | Y2: 105% | Y3: 100% | Y4: 95% | Y5: 90% |Y6: 65% | CGT | Year 2 |
| Investment Plans: INCOME (capital at risk) | |||||||
| hop 3Y Tech Stock Basket Monthly Fixed Income Plan (CIBC54) | 3 years | 10.32% | 50% | Income paid regardless of performance | N/A | Income Tax | Year 3 |
| hop 7Y US & Europe Monthly Conditional Income 80 Kickout Plan (CIBC46) | 7 years | 9.12% | 65% | 80% | 100% | Income Tax | Year 2 |
| Term | Potential Return (annualised) | Income Trigger | Growth / Kick-Out Trigger | Minimum Payout | Expected Tax Treatment | Earliest Potential Maturity | |
|---|---|---|---|---|---|---|---|
| Deposit Plans: GROWTH (capital protected) | |||||||
| hop 6Y Fixed Growth Recallable Deposit Plan (SG42) | 6 years | 5% | N/A | Deposit Taker discretion | 110% | Income Tax | Year 2 |
| hop 10Y Fixed Growth Bonus Recallable Deposit Plan (SG43) | 10 years | Max: 7.60% p.a. | Min: 6.10% p.a. | N/A | Deposit Taker discretion | 115.20% | Income Tax | Year 2 |
**CLOSE TO CAPACITY** Potential return of 8.20% p.a. and early maturity, if the FTSE 100 closes at or above a reducing percentage of its Start Level on annual dates from year 2. Otherwise return paid at maturity if FTSE 100 closes at or above 65% of its Start Level.
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**CLOSE TO CAPACITY** Potential return of 7.30% p.a. and early maturity, if the FTSE 100 closes at or above a reducing percentage of its Start Level on annual dates from year 2. Otherwise return paid at maturity if FTSE 100 closes at or above 65% of its Start Level.
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Fixed, lump-sum interest equal to 5% p.a. for each year that's passed since the Start Date, paid either when the Recall Feature is triggered, or at maturity.
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Fixed, lump-sum interest equal to 7.60% p.a. for each year that's passed since the Start Date, paid if the Recall Feature is triggered. Otherwise, fixed lump-sum interest of 61% (6.10% p.a.) paid at maturity.
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Potential return of 8.50% p.a. and early maturity, if both the FTSE 100 and S&P 500 close at or above a reducing percentage of their Start Levels on annual dates from year 2. Otherwise, return paid at maturity if both indexes close at or above 65% of their Start Levels.
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Potential return of 8.90% p.a. and early maturity, if both the FTSE 100 and EURO STOXX 50 close at or above a reducing percentage of their Start Levels on annual dates from year 2. Otherwise, return paid at maturity if both indexes close at or above 65% of their Start Levels.
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Potential monthly income of 0.76% (9.12% p.a.), paid if the S&P 500 and EURO STOXX 50 close at or above 80% of their Start Levels. The plan will also mature early if both indexes close at or above 100% of their Start Levels on annual dates from the second year onwards.
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Potential return of 9.15% p.a. and early maturity, if both the FTSE 100 and S&P 500 close at or above a reducing percentage of their Start Levels on annual dates from year 2. Otherwise, return paid at maturity if both indexes close at or above 60% of their Start Levels.
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Potential return of 9.2508% p.a. and early maturity, if both the FTSE 100 and EURO STOXX 50 close at or above 90% of their Start Levels on monthly dates from year 2. Otherwise, return paid at maturity if both indexes close at or above 65% of their Start Levels.
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Potential return of 10.40% p.a. and early maturity, if both the FTSE 100 and EURO STOXX 50 close at or above a reducing percentage of their Start Levels on annual dates from year 1. Otherwise, return paid at maturity if both indexes close at or above 65% of their Start Levels.
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Potential return of 9% p.a. and early maturity, if both the FTSE 100 and EURO STOXX 50 close at or above a reducing percentage of their Start Levels on annual dates from year 2. Otherwise, return paid at maturity if both indexes close at or above 65% of their Start Levels.
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Potential return of 15.25% p.a. and early maturity, if the Nikkei 225 closes at or above 100% of its Start Level on annual dates from year 1. Otherwise return paid at maturity if Nikkei 225 closes at or above 65% of its Start Level.
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Potential return of 7.75% p.a. and early maturity, if the FTSE 100 closes at or above a reducing percentage of its Start Level on annual dates from year 2. Otherwise, return paid at maturity if FTSE 100 closes at or above 65% of its Start Level.
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Potential return of 42% (14% p.a.), paid if all the Underlying Shares (Microsoft, Alphabet, Amazon.com close at or above 50% of their Start Levels at maturity. Otherwise capital at risk.
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Fixed monthly income of 0.86% (10.32% p.a.). Capital at risk if any of the Underlying Shares (Nvidia, Alphabet, Amazon.com) close below 50% of their Start Levels at maturity.
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