| Type of product | Income | |||||||||
| Type of return | Investment | |||||||||
| Investment term | 10 years | |||||||||
| Underlying | FTSE 100 Equally Weighted 45 Point Decrement Index (UKEWD45) | |||||||||
| Counterparty | Societe Generale | |||||||||
| Promoter | Arcus | |||||||||
| UKSPA product code | 1290 - Conditional Income | |||||||||
| Summary Risk Indicator | 4 | |||||||||
| Income | 1.95% a quarter (7.80% p.a.) | |||||||||
| Income Barrier | 85% of Start Level | |||||||||
| Kick Out Barrier | 100% | |||||||||
| Capital at Risk Barrier | 65% European | |||||||||
| S&P Rating | A (Stable outlook) | |||||||||
| Fitch Rating | A (Negative outlook) | |||||||||
| Moody's Rating | A (Stable outlook) | |||||||||
| Important Dates |
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| Possible Early Maturity Dates | Quarterly, from year two onwards |
| Description | On quarterly dates during the term (the 'Income Dates'), investors will receive income of 1.95% if the UKEWD45 closes at or above 85% of its Start Level. On the Income Dates from the end of the first year onwards, the Plan will also mature early and repay the Amount Invested if the index closes at or above 100% of its Start Level. The plan includes a memory feature meaning that if a monthly income payment is missed, it will be paid on the next monthly income date that the index closes at or above 85% of its Initial Level. If the Plan matures early, capital is repaid in full. However if the Plan continues for the full term, capital is at risk:
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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 03 March 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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