Hilbert Allegro Super Defensive Annual Autocall Deposit Plan – Issue 04 – November 2025

How To Invest?

1. Firstly, print off and complete our Appropriate Assessment Questionnaire. All applications require two proofs of identity – see the questionnaire for more information.

2. Next download, print and complete the application form available. Note that product applications will have multiple documents, so please choose the one relevant to you.

3.Place all completed documents – questionnaire, proofs of identity, application form and cheques for payment – in an envelope and post to:

Best Price Financial Services,
The Tythe Barn, 5 Eglwys Nunnydd,
Margam, Neath Port Talbot
SA13 2PS

Further Information

The Hilbert Allegro Super Defensive Annual Autocall Deposit Plan – Issue 04 – November 2025 is a maximum 10-year investment offering a Potential Fixed Interest Amount equal to 9.00% for each year that has passed since the Start Date. However, the Plan will mature early if the Underlying Asset closes at or above the relevant Reference Level on any Annual Measurement Date from the 24 November 2028.

Early Maturity: The Plan will mature early if the Underlying Asset closes at or above the relevant Reference Level on any Annual Measurement Date from the 24 November 2028. If this happens, you will receive a Fixed Interest Amount equal to 9.00% for each year that has passed since the Start Date. You will also be repaid your original deposit in full at this point (less any agreed adviser fees and withdrawals).

Repayment of your Deposit:

You will be repaid 100% of your deposit when the plan matures (whether that is on the Maturity Date or one of the Annual Measurement Dates), even if the Underlying Asset has fallen in value (less any agreed adviser fees and withdrawals). However, the repayment of your deposit is subject to Deposit Taker risk – see Brochure for more information.

The Plan is capital protected, which means you should expect to receive your deposit originally invested repaid to you at maturity (less any agreed adviser fees and withdrawals). However, you will receive back significantly less than you initially invested if the Deposit Taker were to fail and your investment exceeded the Financial Services Compensation Scheme (FSCS) limit.

Expected Tax Treatment: Income tax. Any interest generated will be paid without tax being taken off. How much tax is due will depend on your own individual circumstances and how you invested.

Key Risks of the Investment: The potential interest payment is linked to the level of the Allegro Transatlantic Fund.

Both the potential interest payment and the repayment of your deposit also depend on the financial stability of the Deposit Taker.

Please make sure you read the information in this brochure explaining the Allegro Transatlantic Fund (on page 9 of the Brochure) and the Deposit Taker (on page 11 of the Brochure).

You should also make sure you review all the other risks associated with the Plan on page 11 of the Brochure.

The Deposit Taker Societe Generale, London Branch is the UK licensed Deposit Taker for the plan.

The potential interest payment and repayment of your deposit depend on the financial stability of the Deposit Taker throughout the Investment Term.

If the Deposit Taker becomes insolvent, or similar, or fails to be able to meet its obligations, it is likely that you will receive back less than you invested.

The plan is covered by the Financial Services Compensation Scheme (FSCS). This means you may be entitled to compensation if the Deposit Taker cannot meet its financial commitments – you can find out more about the scheme, the maximum compensation available and whether you are eligible at www.fscs.org.uk.

Your money will be deposited with Societe Generale, London Branch, through a bare trust until the plan matures. A bare trust is an arrangement which allows the Plan Administrator to act on your behalf in relation to your deposit.

Societe Generale, London Branch is responsible for paying any interest due and the repayment of your deposit when the plan matures.

Making a deposit in the plan is effectively like making a loan to Societe Generale, London Branch that they are legally obliged to repay when the plan matures (together with any interest due).

Societe Generale, London Branch is part of Société Générale. European Central Bank and the Autorité de Contrôle Prudentiel et de Résolution (the French Prudential Control and Resolution Authority) and regulated by the Autorité des Marchés Financiers (the French f inancial markets regulator).

Societe Generale was established in the UK in 1871 as Société Générale group’s first international office outside France. In 2021, Societe Generale celebrated its 150th anniversary in the UK, demonstrating and reaffirming its long standing commitment to the UK. Societe Generale operates across three core business areas: retail banking, international retail banking and corporate and investment banking. Its total assets exceed $1.6 trillion, it has approximately 117,000 employees and more than 30 million customers (source: Thomson Reuters and FT Banker Database, 01 May 2025).

You can find out more about Societe Generale by visiting its website: www.societegenerale.com.

What Are The Risks Of The Plan?

As with all forms of investment there are risks involved.

You must be prepared to leave your deposit invested for the full fixed term otherwise you may get back less than you put in

A standard cash deposit account will repay your deposit in full, regardless of when you withdraw. Structured deposits are different because their value during the fixed term depends on many factors including interest rates, the creditworthiness of the deposit-taker and any ups and downs in the value of the underlying asset or index to which the return is linked. You will get your money back plus the potential returns if you hold your deposit until maturity, but the amount you would get back if you needed to withdraw early may vary significantly and some structured deposit providers may also charge an exit fee for early withdrawal.  

There is a risk that you will receive no return on your deposit

For example, if you are promised a return linked to how the stock market performs, and it falls during the fixed term, then your return could be zero (assuming there is no minimum return) so you will just get back your deposit. You must be comfortable that this is a risk you are willing to take, and that receiving no return at all would not cause you financial difficulties. You should also understand how returns are calculated over the period of the product and whether this is based on specific points in time or averaged over the whole term of the deposit.

Inflation could erode the value of your deposit 

Inflation is the rise in the price of goods and services over time. It means that your money will be able to buy less in the future than it does today. If you were to put money in a structured deposit and there was high inflation over the fixed term, your deposit at the end of the term would be worth less than it was at the start of the term. Of course, this risk also applies to any savings or investment product that is not inflation-linked.

There are limits on how much you can claim under the Financial Services Compensation Scheme

Structured deposit plans are deposit-based and will usually be fully protected from stock market risk at the end date and benefit from the protection of the Financial Services Compensation Scheme, if the counterparty is a licensed UK deposit taker. The Financial Services Compensation Scheme (FSCS) is the UK’s deposit guarantee scheme. This provides for compensation of up to £85,000 per UK-eligible individual claimant per institution in the event of failure of the counterparty bank or institution for the aggregated amount of all eligible deposits held with them. Please refer to the individual plan brochure for details.