Hop Investing UK Annual 100 Kick Out Plan (60) – April 2024 – CI8432

The Hop Investing UK Annual 100 Kick Out Plan (60) is a maximum seven year three week investment offering a potential gross investment return of 9% for each year the plan runs.

The plan starts on the Start Date. On a Measurement Date, if the level of the Index is  at or above a defined percentage of its Start Level, the plan will end and pay Growth  equal to 9% of the money invested for every year the plan has been in force. This is called a Kick Out and the barrier levels are called the Kick Out Barriers. The first date  this can happen is 2 years after the start date.

If the plan reaches the End Date, the Index will be measured for the last time. If the  End Level of the Index is at or above 100% of its Start Level, the plan will pay Growth  equal to 63% of the money invested, otherwise, no Growth will be achieved.

Customers will get all their invested money back on a Kick Out; or, at the End Date if  the End Level of the Index is at or above 60% of its Start Level. This barrier level is  called the Loss Barrier.

If the End Level of the Index is below 60% of its Start Level, customers will lose money proportional to the fall in the Index.

The Counterparty to this plan is Canadian Imperial Bank of Commerce in its capacity  as issuer of the financial contracts. The financial contracts will be notes linked to the  performance of preference shares issued by Tower Securities Limited.

Other Key Information

English law governed notes

Canadian Imperial Bank of Commerce, London Branch (http://www.cibcwm.com)

The product is designed to provide a return in the form of a cash payment on  termination of the product. The timing and amount of this payment will depend on the  performance of the underlying. The product has a fixed term and will terminate on the  maturity date, unless terminated early. If, at maturity, the final reference level of the  underlying has fallen below the barrier level, the product may return less than the  product notional amount or even zero.

Early termination following an autocall: The product will terminate prior to the  maturity date if, on any autocall observation date, the reference level is at or above the relevant autocall barrier level. On any such early termination, you will on the immediately following autocall payment date receive a cash payment equal to the  applicable autocall payment. The relevant dates, autocall barrier levels and autocall  payments are shown in the table(s) in the key information document.

Termination on the maturity date: If the product has not terminated early, on the  maturity date you will receive:

1. if the final reference level is at or above the barrier level, a cash payment equal to  GBP 1,000; or

2. if the final reference level is below the barrier level, a cash payment directly linked to the performance of the underlying. The cash payment will equal (i) the product notional amount multiplied by (ii) (A) the final reference level divided by (B) the strike level.

Under the product terms, certain dates specified above and below will be adjusted if  the respective date is either not a business day or not a trading day (as applicable).  Any adjustments may affect the return, if any, you receive.

The product terms also provide that if certain exceptional events occur (1) adjustments may be made to the product and/or (2) the issuer may terminate the product early.  These events are specified in the product terms and principally relate to the underlying, the product and the issuer. The return (if any) you receive on such early  termination is likely to be different from the scenarios described above and may be  less than the amount you invested.

The product is intended to be offered to retail investors who fulfil all of the criteria  below:

1. they have the ability to make an informed investment decision through sufficient  knowledge and understanding of the product and its specific risks and rewards, either  independently or through professional advice, and they may have experience of  investing in and/or holding a number of similar products providing a similar market  exposure;

2. they seek capital growth, expect the movement in the underlying to perform in a way that generates a favourable return, have an investment horizon of the recommended  holding period specified in the key information document and understand that the product may terminate early;

3. they accept the risk that the issuer could fail to pay or perform its obligations under  the product and they are able to bear a total loss of their investment; and

4. they are willing to accept a level of risk to achieve potential returns that is consistent with the summary risk indicator shown in the key information document.

The product is not intended to be offered to retail clients who do not fulfil these criteria.

To gain a full understanding of this Plan it is important that you read the brochure carefully, including the product risks and terms and conditions. If you are unsure about any aspect of this investment product, please seek financial advice to ensure the Plan suits your requirements and overall investment planning.

Moneyworld does not offer investment advice. The information in this brochure does not constitute tax, legal or investment advice. Please read our terms of business before investing

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Application Fee

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Important Plan Dates

Closing Date: 22 April 2024

ISA Transfer closing date: 08 April 2024

Important Documents

> Plan Brochure – UK Annual 100 Kick Out Plan (60) – April 2024

> Terms & Conditions

> Key Information Document

> Order brochure by post

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Is the Hop Investing UK Annual 100 Kick Out Plan (60) right for me?

A typical investor who invests in this Plan will:

Be an Informed or Advanced Investor, with appropriate knowledge and experience of equity- based investments;

 Like investments that provide known returns based on pre-determined market outcomes;

Want the potential to secure an investment return above that available from a  deposit-based investment and acknowledge and accept the level of risk, identified by  the Summary Risk Indicator set out in the Key Information Document (KID);

Be willing and able to tie up their money for the term of the Plan for the objective of capital growth;

 Accept that they could lose money and be able to afford to do so;

Understand that in the event of a loss that this loss would be at least 40% of the money they put into the Plan, and could be considerably more, and in extreme circumstances they could lose all of their money;

Understand that any investment return is dependent on the performance of the Index, which is calculated on set dates, and accept they might not get any investment return at all;

Know that the levels of the Indices can fall but do not expect the fall to be more than 40% of its Opening Level at the Final Measurement Date;

 Appreciate the importance of having a spread of investments to reduce concentration risk;

 Know and accept that inflation reduces the real value of money and what it can buy;

 Understand that equity markets are affected by economic and political events nationally and globally;

Accept that if the Counterparty defaults they could lose all their money and any investment return and that they would not have any recourse to the FSCS.

An investor will not meet the target market criteria if:

They do not understand how this investment works;

They are unable, or unwilling, to accept the risks associated with this Plan, including the loss of their money;

The Plan does not meet their investment objectives;