Cater Allen Structured Products
Cater Allen continue their Partnership with Paradigm and our pleased to announce details of their next structured product, in the series of Investment products for Intermediaries.
Structured Products & Deposits
For investors structured products can provide the opportunity of an attractive potential return with 100% capital protection at maturity.
Cater Allen is pleased to be able to offer structured products which have been designed to meet the needs of its clients, as well as taking advantage of relevant and topical economic trends.
Detailed below is a summary of the structured products that are currently available through Cater Allen. Each structured product is only available for a set period of time, please be aware of the closing date for each product.
Capital Guaranteed Defined Return Plan 12
The Capital Guaranteed Defined Return Plan, provided by Santander ISA Managers Limited, offers a low risk opportunity which provides a capital guarantee*, plus a minimum return, regardless of the performance of the FTSE 100 Index**.
Defined Return Plan 12 offers the opportunity for an enhanced defined return if the FTSE 100 Index has stayed the same or risen at maturity, and is available with either a 3.75 year or 5.5 year term. It also provides a minimum return if the FTSE 100 Index has gone down.
If you opt for the 3.75 year term, at maturity you will get back your original investment plus either a sum equivalent to 15% of your original investment, if the FTSE 100 Index has stayed the same or increased by any amount, OR a sum equivalent to 0.25% of your original investment if the FTSE 100 Index has gone down.
If you select the 5.5 year term, you will get your original investment back plus either a sum equivalent to 27% of your original investment if the FTSE 100 Index has stayed the same or increased by any amount, OR a sum equivalent to 0.5% of your original investment if the FTSE 100 Index has gone down.
The Capital Guaranteed Defined Return Plan can be held as a direct investment and offset against an individual's CGT allowance, within a SIPP or SSAS, or within an ISA (5 ½ year term only). Minimum investment is £10,000.
Product Literature
Product Guide
Term Sheet (3.75 years)
Term Sheet (5.5 years)
For more information about the Capital Guaranteed Defined Return Plan 12, please look at the Cater Allen website
* Capital Guarantee
Capital and the minimum return are guaranteed at maturity. The guarantee will be provided by Santander Guarantee Company, an English unlimited company, which is wholly owned by Santander UK plc. The guarantee depends on the continued solvency of Santander UK plc.
** The Final Index Level is the average of the daily closing levels of the FTSE 100 Index on each business day over the last 6 months of the investment term.
Capital Guaranteed Growth Plan 6
- Offer Opens: 21 June 2010
- Offer Closes: 30 July 2010
- Plan Issue Date: 20 August 2010
6 year plan, with potential return equivalent to 90% of FTSE 100 Index percentage growth, with no maximum cap
Capital Guaranteed Enhanced Growth Plan 1
- Offer Opens: 07 June 2010
- Offer Closes: 13 August 2010
- Plan Issue Date: 03 September 2010
6 year plan, with return equivalent to 200% of FTSE 100 Index percentage growth, up to a maximum 50% return on Original Investment.
Cater Allen Security
Cater Allen is part of the Santander Group.
All of our deposits are fully and unconditionally guaranteed by Santander UK plc. Santander's UK business is strong and has a credit rating of AA (Standard and Poor's) one of the highest credit ratings of any UK bank. It is a strong businesses focused on retail banking, with no exposure to toxic assets such as sub-prime mortgages.
Cater Allen has its own banking licence so is regulated by the Financial Services Authority and is covered by the Financial Services Compensation Scheme. Most depositors, including most individuals, and small businesses, are covered by the scheme.
The Santander Group is a highly diversified global business and thus is not dependent on any one market, thereby spreading risk - 24% of Santander Group profits come from Spain, 21% from Brazil and 16% from the UK (these being the three largest divisions of the Group).
The documents in this section have been designed to help you make an informed decision about banking with Cater Allen Private Bank.
Important information about compensation arrangements
We are covered by the Financial Services Compensation Scheme (FSCS). The FSCS can pay compensation to depositors if a bank is unable to meet its financial obligations. Most depositors - including most individuals and small businesses - are covered by the scheme.
In respect of deposits, an eligible depositor is entitled to claim up to £50,000. For joint accounts each account holder is treated as having a claim in respect of their share so, for a joint account held by two eligible depositors, the maximum amount that could be claimed would be £50,000] each making a total of £100,000. The £50,000 limit relates to the combined amount in all the eligible depositor's accounts with the bank, including their share of any joint account, and not to each separate account.
For further information about the scheme (including the amounts covered and eligibility to claim) please call us on 0800 092 3300, refer to the FSCS website www.FSCS.org.uk or call the FSCS helpline on 020 7892 7300 or 0800 678 1100
Security.
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