| Type of product | Growth | |||||||||
| Type of return | Investment | |||||||||
| Investment term | 6 years | |||||||||
| Underlying | Microsoft, Alphabet, Amazon | |||||||||
| Counterparty | CIBC | |||||||||
| Promoter | hop | |||||||||
| UKSPA product code | 1260 - Kick Out | |||||||||
| Summary Risk Indicator | 6 | |||||||||
| Return | 13.75% p.a. (paid at maturity) | |||||||||
| Kick Out Barrier | 90% | 80% | 70% | 60% | 50% | |||||||||
| Capital at Risk Barrier | 50% 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 | Every three months from 24 July 2028 to 26 April 2032 (inclusive) |
| Description | There are set dates during the term (every three months, from year 2 onwards) when investors might receive a return. If all three stocks (Microsoft, Alphabet and Amazon.com) close at or above a reducing percentage of their Start Levels on one of these dates, the Plan will mature early and repay the Amount Invested, together with a fixed return equal to 13.75% for each year that has passed since the Start Date (not compounded). If there is no early maturity, there are two possible outcomes at maturity:
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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 June 2026. ** Minimum contributions do not include any applicable adviser charges. † This plan is available for investment through third party SIPP Providers. |
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