Walker Crips UK Fixed Growth Deposit Plan (SAN109)

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 Walker Crips UK Fixed Growth Deposit Plan (SAN109) is a 4 year investment which provides the potential to receive 23% (5.75% p.a.) at the end of the Investment Term, dependent on the performance of the FTSE 100 Index. The plan also includes a minimum return of 11.50% payable at maturity. This plan is only available on an Advised basis.

When investing in the UK Fixed Growth Deposit Plan, you should expect to receive repayment of your Initial Investment on maturity, however, any enhanced return is not guaranteed but is dependent on the Final Index Level (the Closing Level of the Index on the Investment End Date).

Potential return feature: If the Index is at or above the Initial Index Level on the Investment End Date, the Plan will repay your Initial Investment plus a defined return (as outlined on page 5)

Minimum return return feature: The plan is designed to repay your Initial Investment plus a minimum return if the Final Index Level finishes below the Initial Index Level

There are two possible scenarios on the Investment End Date:
• If the Final Index Level is at or above the Initial Index Level your Initial Investment will be repaid to you, plus a return of 23%.
• If the Final Index Level is below the Initial Index Level, you will receive the 11.50% minimum return from your investment in the Plan, and you should expect to have your Initial Investment repaid to you.

The Counterparty is Santander UK plc which holds an ‘A stable’ credit rating from Standard & Poor’s as at 1 October 2025.

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.