| Type of product | Growth | |||||||||
| Type of return | Investment | |||||||||
| Investment term | 3 years | |||||||||
| Underlying | FTSE 100 Index and S&P 500 Index | |||||||||
| Counterparty | CIBC | |||||||||
| Promoter | hop | |||||||||
| UKSPA product code | 1270 - Digital | |||||||||
| Summary Risk Indicator | 4 | |||||||||
| Return | 21.50% | |||||||||
| Return Barrier | 65% | |||||||||
| Capital at Risk Barrier | 65% European | |||||||||
| S&P Rating | A+ (Stable outlook) | |||||||||
| Fitch Rating | AA (Stable outlook) | |||||||||
| Moody's Rating | Aa2 (Stable outlook) | |||||||||
| Important Dates |
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| Possible Early Maturity Dates | N/A |
| Description | At the end of the term, investors will receive a lump sum return of 21.50% if both the FTSE 100 and S&P 500 close at or above 65% of their Start Levels. If at least one index closes below 65% of its Start Level at maturity, there is no return and investors will make a loss. They will lose 1% for every 1% fall in the worst performing index from its Start Level. |
Contract Details
| Cash ISA | Equity ISA | Direct | ISA Transfer | SIPP | |
|---|---|---|---|---|---|
| Availability |  |
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| Minimum contribution | n/a | £3,000 | £3,000 | £3,000 | £3,000 |
| * Credit ratings are correct as of 15 December 2025. ** Minimum contributions do not include any applicable adviser charges. † This plan is available for investment through third party SIPP Providers. |
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