IDAD Société Générale Transatlantic Titans Kick Out Deposit Plan Issue 1 – November 2025

How To Invest?

1. Call for a free initial telephone consultation. If you wish to progress the process of the product purchase, the regulatory process of ‘advice’ must commence.

2. The completion of a financial review – which will confirm details of your income/capital and investment needs and experience.

3. The completion of a risk profiler – which will help to measure your attitude to risk.

This process will enable ‘advice’ to be provided in relation to the suitability of the product to meet with your needs. The fee for this service and process is 1.5% (subject to a minimum fee of £300) for focused advice – which is focused and narrowed to the suitability of the structured product you want to purchase.

Further Information

The IDAD Société Générale Transatlantic Titans Kick Out Deposit Plan Issue 1 – November 2025 is a maximum 6 year 1 week investment offering an Interest Rate of 10% p.a. if on any annual Observation date, starting at year 3, the Underlying stocks are at or above the relevant Kick Out Levels.. This plan is only available on an Advised basis.

This is a 6 year 1 week Plan linked to the performance of four Stocks, BP PLC, AstraZeneca PLC, Amazon.com and NVIDIA Corp. The Deposit is constructed to offer a potential return of 10% p.a. if on any annual Observation date, starting at year 3, the Underlying stocks are at or above the relevant Kick Out Levels.

The opportunity for full capital protection and growth is the key aim of this investment.

The investment is linked to BP, AstraZeneca, Amazon and NVIDIA (see page 8 for full details) and investors will benefit from growth or even flat market conditions.

The initial investment into the Deposit Plan, minus any initial adviser fee, will be returned in full at maturity.

About Société Générale:

Societe Generale SA attracts deposits and offers commercial, retail, investment, and private banking services The Bank offers consumer credit, vehicle lease financing, information technology equipment leasing, life and non life insurance, custodian services, trade and project financing, currency exchange, treasury services, and financial and commodities futures brokerage services.

Considerations when selecting the deposit taker/issuer:

Fitch, Moody’s and Standard & Poor’s are the main three independent credit ratings agencies that research and grade the ability of financial and other institutions to make the payments due from the Deposit/Plan issued and/or guaranteed by them.  Each rating agency describes and names its ratings in a different way.  For example, Standard & Poor’s highest possible rating is AAA, followed by AA and A.  These three ratings along with their BBB rating are generally regarded as investment grade (i.e. of higher quality).  All of these ratings, except the AAA rating, can also be modified by a plus or a minus to give a deposit taker’s/Issuers relative status within the grade; for example, A+, A, A- for the A rating.

Société Générale International bank have ratings from each of these three agencies as follows:

*S&P’s A /Moody’s A1 / Fitch A

(*Source Bloomberg and Plan Termsheet)

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.