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 3Y Tech Stock Basket Growth Plan (CIBC39) | 3 years | 12.33% | 50% | N/A | 50% | CGT | Year 3 |
| hop 10Y Fixed Growth Recallable Plan (CIBC37) | 10 years | 7.50% | n/a | N/A | Issuer discretion | Income Tax | Year 2 |
| hop 5Y UK & Europe 70 Step-Down Kickout Plan (CIBC33) | 5 years | 8.80% | 65% | N/A | Y2: 100% | Y3: 90% | Y4: 80% | Y5: 70% | CGT | Year 2 |
| hop 6Y UK, Europe & US Defensive Step-down Kickout Plan (CIBC34) | 6 years | 10% | 65% | N/A | Y2: 100% | Y3: 90% | Y4: 80% | Y5: 70% | Y6: 65% | CGT | Year 2 |
| hop 5Y UK & US 85 Step-Down Kickout Plan (CIBC35) | 5 years | 10% | 65% | N/A | Y2: 100% | Y3: 100% | Y4: 95% | Y5: 85% | CGT | Year 2 |
| Investment Plans: INCOME (capital at risk) | |||||||
| hop 2Y Tech Stock Basket Monthly Fixed Income Plan (CIBC38) | 2 years | 10.02% | 50% | N/A | N/A | Income Tax | Year 2 |
| hop 7Y US & Europe Monthly Conditional Income 80 Kickout Plan (CIBC36) | 7 years | 9.36% | 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 5Y 3 Stock Lock In Deposit Plan (SG40) | 5 years | 8% | N/A | 95% | 85% | 75% | 100% | Income Tax | Year 2 |
Potential return of 8% 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 7.50% 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 60.00% (6.00% p.a.) paid at maturity.
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Potential return of 7.15% 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 8% p.a. for each year that's passed since the Start Date, paid once all three stocks close above the Lock In Barrier. Otherwise, no interest is paid.
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Potential return of 8.80% 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 70% of their Start Levels.
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Potential return of 10% p.a. and early maturity, if the FTSE 100 EURO STOXX 50 and S&P 500 all close at or above a reducing percentage of their Start Levels on annual dates from year 2. Otherwise, return paid at maturity if all indexes close at or above 65% of their Start Levels.
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Potential return of 10% 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 85% of their Start Levels.
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Potential monthly income of 0.78% (9.36% 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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Fixed, lump-sum return equal to 7.50% p.a. for each year that's passed since the Start Date, paid when the plan matures. Recallable by the Issuer on an annual dates from year two onwards.
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Fixed monthly income of 0.835% (10.02% 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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Potential return of 37% (12.33% 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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