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RISK FACTORS |
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Is this plan right for me?
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This may be
right for you if:
• You are happy to hold your investment
until the end of the 5 year term.
• You are looking for the potential to receive a fixed
specified bonus at the end of 5 years. The performance
of the FTSE® 100 Index is only used to determine whether
the bonus is paid.
• You are prepared to accept the risk that you could
lose some or all of your money.
• You are aware that the FTSE® 100 Index may perform
better than the return you will receive under this Plan.
• You understand that you will be invested in securities
issued by HSBC Bank plc only.
• You are using the Plan as part of a diversified
portfolio.
• You want to avoid currency risk.
• You have some money set aside for emergencies.
• You have a minimum of £3,000 to invest. |
This may not
be right for you if:
• You are not prepared to put your
capital at risk with the potential to lose some or all
of your money.
• You are looking for an investment that does not limit
the growth you’ll receive.
• You do not want an investment dependent on the
performance of the FTSE® 100 Index.
• You require an income.
• You are not sure how the investment works and have not
understood the content of the plan brochure.
• You cannot remain invested for the full 5 year
investment term and may need immediate access to your
money.
• You want to add to your investment on a regular
basis.
• You are worried that if the performance of your
investment does not meet or exceed the rate of inflation
the real value of your investment will reduce.
• You have no money set aside for emergencies.
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Important Information
• The returns provided by this Plan are achieved by exposing
your capital to risk. This means that at the end of the
investment term you may not get back any or all of the original
capital that you invested.
• Where the final level of the FTSE® 100 Index has fallen by 50%
or more below the starting level of the FTSE® 100 Index, your
capital return at maturity will be reduced on a 1:1 basis. This
means you will lose 1% of your original investment for each 1%
that the final level of the FTSE® 100 Index is below the
starting level of the FTSE® 100 Index. Where the difference
results in a fraction of 1%, the fraction will be applied.
• You could lose some or all of your original investment and any
applicable bonus if HSBC Bank plc does not pay us. This might
happen if HSBC Bank plc became insolvent and was unable to repay
us this money.
• If you cash in your Plan before the end of the 5 year term,
you may get back substantially less than you originally
invested.
• HSBC Bank plc as issuer of the securities may withhold, defer,
reduce or even terminate payments in certain events under the
terms of the securities. As a result of this you may get back
less than you would otherwise or may have to wait for the
proceeds. Please see point 14, ‘Extraordinary Circumstances,
Adjustments and Disruption’ and point 15 ‘Issuer and other
Risks’, on pages 28 and 29 of the plan brochure.
• Unless the performance of your investment meets or exceeds the
rate of inflation, the real value of your investment will go
down.
• What you get back will depend on the performance of the FTSE®
100 Index, nothing is guaranteed. Past performance is no
guarantee of future performance.
• If you use your right to cancel your Plan within the first 14
days you may get back less than the amount you’ve paid in and
you may lose your ISA entitlement for the current tax year.
Please refer to ‘What happens if I change my mind?’ on page 13
of the plan brochure.
• The Plan is not the same as a bank or building society account
where capital is guaranteed, or instant access accounts where
capital is readily available without penalty.
• Tax rules may change.
Please refer to the Brochure and the Terms & Conditions for full
details. |
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