Minimum investment £10000
The Hilbert FTSE 100 EW45 Super Defensive Annual Autocall Plan (November 2025 – Issue 25) is a maximum 10-year investment offering a Fixed Growth Return equivalent to 8.0% p.a. for each Annual Measurement Date since the Start Date.
Important: The closing date for applications by cheque is 18 November 2025 and by bank transfer is 20 November 2025.
The closing date for ISA transfer applications is 14 November 2025.
Product Literature And Forms
You should always read the relevant plan brochure and any other plan documentation, for full details of the plan’s features, including any risks, and the terms and conditions. In addition to the plan brochure and terms and conditions, there are other important documents, including a Key Information Document (‘KID’), that you should consider before deciding to invest in the plan.
If you do not fully understand the risks or are unsure as to the suitability of the investment, please contact us.
How To Invest?
Applications for the Plan must be submitted via Best Price Financial Services and received by 5pm on 20 November 2025 for bank transfer applications.
The closing date for applications by cheque is 18 November 2025
The closing date for ISA transfer applications is 14 November 2025.
This will enable us to process your application and forward it on to the structured product provider.
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 FTSE 100 EW45 Super Defensive Annual Autocall Plan (November 2025 – Issue 25) is a maximum 10-year investment offering a Fixed Growth Return equivalent to 8.0% p.a. for each Annual Measurement Date since the Start Date.
Underlying Asset: The plan is linked to the UK stockmarket, represented by the FTSE 100 Equally Weighted 45 Point Decrement Index (‘FTSE 100 EW45’).
Maximum Investment Term/Early Maturity Feature: The Plan has a maximum Investment Term of 10 years. However, the Plan will mature early if the Closing Level of the Underlying Asset is at or above the relevant Reference Level on any Annual Measurement Date from the 21 November 2028. If this happens, you will receive the Fixed Growth Return and repayment of your original investment (less any agreed adviser fees and withdrawals). Details of the Annual Measurement Dates and Reference Levels are provided on page 6 of the Brochure.
Potential Fixed Growth Return: If the Closing Level of the Underlying Asset is at or above the relevant Reference Level on any Annual Measurement Date from the third anniversary, or on the Final Valuation Date, you will receive a Fixed Growth Return equivalent to 8% p.a. for each Annual Measurement Date since the Start Date.
Repayment of your investment if no kick-out and early maturity: If the potential Fixed Growth Return is not generated during the Investment Term or on the Final Valuation Date because the Closing Level of the Underlying Asset is below the relevant Reference Level on all Annual Measurement Dates and on the Final Valuation Date, if the Final Level of the Underlying Asset is at or above 50% of the Opening Level on the Final Valuation Date you will be repaid your original investment in full (less any agreed adviser fees and withdrawals).
However, if the Final Level of the Underlying Asset is more than 50% below the Opening Level, the amount of money repaid will be reduced by the amount that the Underlying Asset has fallen since the Start Date.
For example, if the Underlying Asset has fallen by 75%, repayment of money invested will be reduced by 75% and you will get 25% of your original investment back (less any agreed adviser fees and withdrawals).
Expected Tax Treatment: Capital gains tax. Any return generated will be paid without tax being taken off. Any tax due will depend on your own individual circumstances and how you invested.
Counterparty Bank: Société Générale.
The Issuer / Counterparty Bank SG Issuer is responsible for issuing the investments which make up the plan.
SG Issuer is part of Société Générale, the Counterparty Bank for the plan.
Société Générale is ultimately responsible for, and if necessary will meet, the payment obligations (including paying the potential returns of the plan and repayment of the money invested) of SG Issuer These investments are known as ‘securities’, which are a type of corporate bond, meaning that an investment in the plan is effectively like making a loan to Société Générale, which it is legally obliged to repay when the plan matures (together with any return due).
Société Générale is a leading French bank. It operates across three core business areas: retail banking, international retail banking and corporate and investment banking. Its total assets are around $1.6 trillion, it has approximately 117,000 employees and more than 30 million customers (source: Thomson Reuters and FT Banker Database, 01 May 2024).
Societe Generale was established in the UK in 1871 as Société Générale group’s f irst 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.
You can find out more about Société Générale by visiting its website: www. societegenerale.com.
Key Risks: As with all forms of investment there are risks involved with the Plan. The potential returns of the plan and repayment of money invested in the plan are linked to the level of the FTSE 100 EW45 and also depend on the financial stability of the Issuer / Counterparty Bank throughout the Investment Term. It is important that you carefully consider: – the current level of the FTSE 100 EW45, the level of its fixed decrement and the outlook for its future level; and- the financial strength and stability of the Issuer / Counterparty Bank More information about the risks and limitations of the Plan is included within the Plan brochure, including on pages 5, 6, and 11.
What Are The Risks Of The Plan?
As with all forms of investment there are risks involved. These plans do not guarantee to repay the money invested. The potential returns of the plans and repayment of the money invested are dependent the level of the underlying asset(s) or index / indices to which the return is linked and also on the financial stability of the Issuer and Counterparty.
Past performance is not a guide to future performance and may not be repeated. Investment involves risk. The performance data does not take account of the commissions and costs incurred on the issue and redemption of shares. The value of investments and the income from them may go down as well as up and investors may not get back any of the amount originally invested. Because of this, an investor is not certain to make a profit on an investment and may lose money. Exchange rate changes may cause the value of overseas investments to rise or fall.
The promotion of the plans does not constitute ‘advice’ to invest. Advice is always specific to an individual investor’s circumstances and needs, following the process of ‘know your customer’, with the aim of ensuring that any product is suitable for an investor.
As always, the recommendation and common-sense approach is to consider product solutions as a portfolio, never over-exposing oneself to a point of financial pain and suffering liquidity or counterparty over exposure.
