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Frequently Asked Questions

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In this section we have composed the answer to a number of Frequently Asked Questions. If you need further information, please contact the help line on 0203 100 8880, or email at


What is a Deposit Plan?

Societe Generale Deposit Plans are Structured Deposits. The Financial Conduct Authority describes a Structured Deposit as follows; a deposit paid on terms under which any interest or premium will be paid, or is at risk, according to a formula which involves the performance of an index (or combination of indices) (other than money market indices), a stock (or combination of stocks); or a commodity (or combination of commodities).

What happens to my client's money before a Deposit Plan Start Date?

Before the Start Date, your client's money will be transferred by the Plan Administrator to a segregated interest bearing client money account held by the Plan Administrator with Barclays until the Deposit Plan's Start Date. On a the Start Date, your client's money will be transferred to an account of the Trustee with the Deposit Taker. From the Start Date your client's deposit will be held by the Deposit Taker. The Deposit Taker is legally required to repay your client's deposit to the Plan Administrator when a Deposit Plan matures (at the end of the Investment Term) as well as any return that is owed.

If Barclays were to become insolvent during this period, your  client's initial deposit might be lost. In this instance they may be able to seek compensation from the FSCS. See below for more information regarding compensation arrangements.

What happens to my client's money on a Deposit Plan Start Date?

On a Deposit Plan Start Date, the money held for your client on deposit with Barclays will be transferred to SG Hambros and placed on deposit for investment in a Deposit Plan.

What charges/expenses will my client have to pay on a Deposit Plan?

No charges or fees are taken away from the original deposit or the potential Maturity payment, and there are no annual management charges. If your client withdraws from a Deposit Plan early, or a Deposit Plan is a Cash ISA and your client decides to transfer their money to another ISA Manager, an Early Termination Cost will apply. The amount of this charge will depend on the costs incurred by the deposit taker. We will not be able to advise you or your client of the amount of this charge prior to processing the cancellation request. Please see below ‘What if my client needs their money before Maturity?’.

What is the level of commission involved in a Deposit Plan?

Societe Generale may pay a commission for the arrangement of an investment into a Deposit Plan to the Financial Adviser, and Gilliat Financial Solutions in their role as Plan Administrator and Distributor. Details of the commission can be found in the Plan Product Guide. This is allowed for in the terms offered by the Deposit Plan. Your client should seek clarification about any commission payable from you before investing if they are unclear. Your client will receive written details of the commission paid on their chosen Deposit Plan.

What is the tax treatment outside of a SIPP or ISA?

Any return paid as part of a Deposit Plan may be subject to Income Tax if held directly outside of a Cash ISA, SIPP or SSAS*.

What happens when a Deposit Plan matures?

Approximately six weeks prior to the Plan Maturity Date, the Plan Administrator will contact investors to confirm what they want us to do with the cash proceeds of their Plan. On the Plan Maturity Date, where requested by investors, the Plan Administrator will attempt to pay the cash proceeds of their Plan using the details that are held on record for them. Therefore it is important that you or your client notify the Plan Administrator of any change in their address or bank account details. If for some reason, the relevant bank cannot pay the cash amount due to your client using the account specified by them, the Plan Administrator will instruct the relevant bank to retain such cash amount in the omnibus client money account until we receive further instructions. If their investment is an ISA Account and you or your client do not provide instructions within a reasonable timeframe, in accordance with the ISA Regulations the Plan Administrator will remit the proceeds to your client.

What if my client needs their money before Maturity?

A Plan is typically designed to be held for the full Investment Term. If your client needs to cash in their Plan early, a Total Withdrawal (either Partial Early Withdrawal or Total Early Withdrawal) from the Plan may be requested by written notice to the Plan Administrator before the Early Withdrawal Notification Deadline. Following receipt of this notice, the Plan Administrator will calculate your client’s Early Withdrawal Amount.

Investors should only invest in these Plans if they do not need access to their money for the full Investment Term. Early withdrawal may result in loss of capital.

Should you wish to obtain an indication of the amount your client would receive upon an Early Withdrawal (minus any Early Termination Costs), please contact:

Deposit Plans

The Structured Product Team at Gilliat Financial Services on 020 7012 2811.

Investment Plans

Walker Crips Structured Investments on 020 3100 8880 or James Brearley & Sons, responsible for custody and administration of Mariana Plans, on 01253 831100 or Investec Bank Plc on 0344 892 0942.

What if my client's Plan is held within a Cash ISA?

If your client decided to withdraw from a Plan after the 14 day cancellation period has ended and the investment is held in a Cash ISA, they will lose their Cash ISA allowance for the year and will not be able to invest in another Cash ISA in the same year.

If your client had invested via a Cash ISA transfer, they will lose any tax shelter on that investment unless they are transferring their deposit to another ISA Plan Administrator. The amount transferred to the new ISA manager is likely to be less than originally invested and less than would be received if a Plan were to be held until Maturity. Further information on procedures for cashing in a Plan early is provided in the Terms and Conditions section of a Plan Brochure. 

How will inflation affect the value of my client's investment?

Unless the performance of a Plan is above the rate of inflation, the real value of their money will decrease over the six year term.

How can I monitor the performance of a Plan?

Your client will be sent an investment confirmation after their application is received and then statements twice a year. The statements will help them understand the progress of their investment and will include the level of the Index on which their return will depend.

What is the counterparty risk on Deposit Plans?

The Deposit Taker is SG Hambros Bank Limited (SG Hambros). This means that receiving the initial deposit and any returns owed to the holders at Maturity are dependent on SG Hambros paying back the amounts due under its obligations to the Deposit Plan. This is called Counterparty Risk or Credit Risk.

Credit ratings can be a useful way to assess the level of Counterparty Risk. They can help compare the Credit Risk associated with different product providers and related investments and as such can be useful in assessing how likely an entity is to meet their obligations to repay any money due to investors. Credit ratings are assigned by independent companies known as ratings agencies and reviewed regularly.

As the Deposit Taker, the money is invested in the Trustee’s account with SG Hambros and therefore, the main Counterparty Risk is with SG Hambros. SG Hambros is a subsidiary of Societe Generale Group but is a completely separate UK entity. It is managed in the UK and authorised and regulated by the Financial Conduct Authority (‘FCA’). SG Hambros was founded in 1839 and employs over 520 people in the UK.

- Hambros Bank was founded in London in 1839

- Societe Generale was founded in France in 1864 and has been operating in the UK since 1871. It is one of the leading financial services groups in the Eurozone

- Hambros Bank joined the Societe Generale Group in February 1998.

In order to provide the performance for a Deposit Plan, the Deposit Taker will enter into a linked transaction with Societe Generale Corporate & Investment Bank ("SG CIB"). This means that your client also has a degree of Counterparty Risk with Societe Generale. If Societe Generale were to become insolvent, and the Deposit Taker was unable to match the terms of the linked transaction with another provider, the Deposit Taker may not be able to maintain the potential return. In this instance the return holders receive from a Deposit Plan may be less than the potential return . The Counterparty Risk with Societe Generale relates only to the terms of the return which can be offered by a Deposit Plan. The solvency of Societe Generale has no affect on your actual deposit

Counterparty Risk on Societe Generale Investment Plans

As an alternative to a more traditional plan where investors can lose up to 100% of their investment if the Issuer were to default or become insolvent, Societe Generale Investment Plans are designed to mitigate Counterparty Risk through the use of Collateral whilst also diversifying Investment Risk.

Instead of being 100% exposed to SG Issuer as the Issuer of the Plan, or Societe Generale as the Guarantor, Counterparty Risk is mitigated by the introduction of a pool of Collateral Assets, which can be sold to recover the value of your client’s investment should the Issuer default or become insolvent.

In addition, the Plans are exposed to the Investment Risk of 4 major UK or global institutions with UK 4 and Global 4 Plans or the UK Government with UK Gilts Plans.

What impact does spreading investment risk across the UK Three / UK Four give to potential returns?

Let's then look at a UK Three Plans as an example.

The UK Three Plans not only aim to meet the diversification needs of investors, but also to exceed their expectations in terms of potential returns. We can demonstrate this by looking at the following product as an example, and showing the affect that the UK Three model has on the Potential Coupon

Product example: a SG Collateralized Investment Plan

Product Type Kick Out Plan
Securities Issuer SG Issuer
Guarantor Societe Generale
Counterparty Risk Mitigated through the use of a pool of Collateral Assets
Collateral Assets Gilts, Investment Grade Bonds and/or equities comprising the FTSE 100 Index, the S&P 500 Index, the Nikkei 225 Index, the EuroStoxx 600 Index, the Hang Seng Index and the SMI Index
Underlying Asset FTSE 100 Index
Investment Term Maximum 8 year
Potential Early Expiry Annual from year 2 of the Investment Term
Kick Out Levels 100% in years 2-8


Potential coupon payments based on the Plan above

  UK Three Plan Collateralised Plan
Diversified Investment Risk Spread equally across 4 major UK institutions (33.33% per institution) N/A
Potential Gross Coupon Payment 9.90%(not compounded) 8.25%(not compounded)

 Source: Societe Generale. Pricing as of August 20, 2018.

The risk / return tradeoff

The SG Collateralised Investment Plan would provide a potential annual Coupon Payment of 8.25%. The Counterparty Risk to Societe Generale has been mitigated by the introduction of a pool of Collateral Assets, and no further Investment Risk has been applied.

Conversely, the UK Three Plan provides a higher potential annual Coupon of 9.90%. The Counterparty Risk to Societe Generale has again been mitigated by the introduction of Collateral Assets. However, in addition, the UK Three Plan is equally exposed to the Investment Risk of three institutions,  which in the case of the above are Barclays PLC, Lloyds Banking Group PLC and HSBC PLC. As such, if any one of these institutions were to default or become insolvent, 25% of your client’s capital would be at risk at Maturity. Investors are compensated for this risk with an increased Potential Coupon.

 *The tax statement is only a general guide. The tax treatment of investments will depend on the investor's individual circumstances. If they are in any doubt as to their tax position, they must consult with an appropriate professional tax adviser. This statement of the UK tax treatment of a Deposit Plan is based on our understanding of the laws and practice in force as of the date of this document and is subject to any changes in law and the interpretation and application thereof, which changes could be made with retroactive effect.


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Terms & Conditions

Terms & Conditions of Societe Generale Structured Investments Website (“the Terms”)

The use of Societe Generale’s (“SG”) Structured Investment website is subject to the following Terms, which should be read carefully.

The information, services and products on this website are intended for use only by financial advisers (herein “Financial Advisers”) and are not aimed at or intended for use by retail investors or persons who are residents of any other jurisdiction, other than the United Kingdom.

The information on, and any opinions contained in, this website does not constitute, a public offer under any applicable local laws or regulation or an offer to sell, solicit for or an offer to buy any securities or financial instruments or advice or recommendation relating to such securities or other financial instruments, or representations relating to any investment strategy and or the suitability of any securities.

From time to time you should check this website page to review these Terms to ensure that you are happy with any changes, as SG reserves the right to vary the Terms at any time. Any and all changes will be posted on the SG IFA’s home page. By your acceptance of the Terms and continued use of the SG IFA website, you agree to be legally bound by any and all such changes to these Terms. Please do not continue to use the SG IFA website if you do not agree to these Terms. For an explanation of the terms defined in this website please see the Glossary, which may be accessed through the ‘Getting Started’ menu.

Should you have any questions relating to these products or Terms please contact SG at or using the telephone number 0203 100 8880.

Any investment in the products listed on the SG IFA website will be governed by the terms and conditions applicable to the product.


This website is made available in the United Kingdom (“UK”) by the London Branch of SG.Societe Generale is a French credit institution (bank) that is authorised and supervised by the European Central Bank (ECB) and the Autorité de Contrôle Prudentiel et de Résolution (ACPR) (the French Prudential Control and Resolution Authority) and regulated by the Autorité des marchés financiers (the French financial markets regulator) (AMF). Societe Generale London Branch is authorised by the ECB, the ACPR and the Prudential Regulation Authority (PRA) and subject to limited regulation by the Financial Conduct Authority (FCA) and the PRA. Details about the extent of our authorisation, supervision and regulation by the above-mentioned authorities are available from us on request.

The London Branch of SG is registered in the UK under branch registration number 124866, at SG House, 41 Tower Hill, London EC3N 4SG.

This website is maintained by Everlution Software on behalf of SG.


This website is intended only for Financial Advisers whose clients are resident in the United Kingdom. Financial Advisers should ensure that their clients are aware that holdings in these Plans may not be covered by the provisions of the Financial Services Compensation Scheme, or by any similar scheme. 

In particular, the investments can be neither offered nor transferred in the United States of America. By clicking “I Agree” to the Terms of this website and accessing the information on the website, you shall be deemed to have represented to us that you are not a U.S. person and that you are not located in the United States of America, its territories and possessions, and any State of the United States of America and that you are authorised to receive the information to and on this website.  


The Plans described within this website are not suitable for everyone. Investors’ capital is at risk. Financial Advisers should not advise their clients to invest in these Plans unless they understand their nature and the extent of their exposure to risk.

The value of these Plans may be exposed to fluctuations in rates of exchange, and these may have an adverse effect on the value or price of the Plan. Information in the website on past performance cannot be relied upon as a guide to future performance. The value of these Plans can go down as well as up and investors may get back less than their initial investment.

This disclaimer cannot disclose all the risks and other significant aspects of the Plans. You should study the risk factors attached to these products that are disclosed below and throughout this website. 


Key risks for Investment Plans

Capital is at risk and investors could lose some or all of their capital.

If SG Issuer and Societe Generale were to default or become insolvent, the products will terminate immediately. The amount that your client receives back for their investment will depend on i) the market value of their Investment at that time and on ii) the value of the Collateral Assets at the time of expiry and your client may receive back less than your initial investment.

Liquidity risk: Societe Generale aims to provide a secondary market for the products during the investment term. However, certain exceptional market circumstances may have a negative effect on the liquidity of the products, and even render the products entirely illiquid, which may make it impossible to sell the products and result in the partial or total loss of the invested amount. There is no liquid market on which these products can be easily traded, and this may have a material adverse effect on the price at which these products might be sold. Therefore, the investor may lose part or all of the invested amount.

As with all similar structured investments, in the event of Counterparty or Issuer insolvency your client will not have recourse to the Financial Services Compensation Scheme.

Market risk: The products may be subject to significant price movement at any time before maturity, which may in certain cases lead to the loss of your entire capital invested.

Key risks for Deposit Plans

If SG Hambros Bank Limited becomes insolvent or fails to repay the amounts due, you could lose some or all of your initial deposit and any Gross Return owed to you on the Plan Maturity Date. As with any deposit, if the Deposit Taker fails to pay or becomes insolvent you may be eligible to claim under the UK Financial Services Compensation Scheme (“FSCS”) up to the scheme limits. For further information visit

In order to provide the performance of a Deposit Plan, the Deposit Taker will enter into a linked transaction with SG. In the event an ‘Extraordinary Event’ were to occur whereby for example, SG becomes insolvent, and the Deposit Taker was unable to match the terms of the linked transaction with another provider, the Deposit Taker may not be able to maintain the returns or income stipulated for a Deposit Plan. In such circumstances the income or return investors receive from a Deposit Plan may be less than the headline rate. The investor’s Counterparty Risk with SG relates only to the terms of the income or return which can be offered by a Deposit Plan. The solvency of SG has no effect on the actual deposit.

Market risk: The deposit Plans may be subject to significant price movement at any time before maturity. If you were to withdraw from the Plan early you could get back less than your initial deposit.


This Risk Warning is available to view at all times via a link at the top of each page. It will not appear each time you will access this website in future. However, you should refer to it periodically to remain familiar with the relevant risks associated with these Plans. 


The purpose of the suitability test is to ensure that the products and services offered meet the client’s investment objectives. In addition, it ensures that the client shall be able financially to bear the risks of the investment (including any relevant loss of capital) and that the client has the necessary experience and knowledge to understand these risks. 
When providing personal recommendations in relation to these Plans each Financial Adviser is required to and must have undertaken a suitability test and must only recommend products and services that are in accordance with the results of the suitability test.

Please note that SG does not provide investment advice: 


Any third-party advertising, information and referral buttons containing hyperlinks are not recommendations or endorsements by SG or its respective directors, affiliates or employees.  SG accepts no responsibility for the hypertext links to other websites, for the contents of any linked websites or for any loss or damage that may arise from your use of them.  You are referred to the relevant third party for all relevant information, including complete information on that entity's investment adviser or dealer licensing status (if applicable).

SG makes no representation or warranty regarding the accuracy of any third party information and is not responsible for third party content in any way.


Nothing in this website constitutes legal, tax or financial advice. None of SG, SG Hambros Bank Limited, Gilliat Financial Solutions, Marianna, Investec nor Walker Crips Structured Investments have given any such advice. Access to this website or the retrieval of any information set out on the website by a user does not mean that the user becomes a client of SG or that SG owes any duty, fiduciary or otherwise, to any such user.


The information in this website is, to Societe Generale's knowledge, reliable and accurate but this cannot be guaranteed. The views of Societe Generale reflected in this website may change without notice. Figures included in this website take no account of personal tax liability. No investment decision should be taken without reading the Final Terms relating to the particular product concerned. A copy of the Final Terms of each relevant product may be obtained from Societe Generale at 10 Bishops Square, London E1 6EG upon request.


SG or its associates may from time to time have a position, or material interest in the products described in this website or the investments underlying them. Further information on SG's potential conflicts in this regard are available on request.


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The SG IFA website is a financial promotion communicated by the London Branch of SG.

The SG IFA website has not been prepared with a view to any specific investment objective or financial situation or with the needs of any particular investors in mind.

Figures included in the SG IFA website take no account of personal tax liability. The tax treatment of a Plan depends on the individual circumstances of the investor and may be subject to change in future.

Any returns referred to in the SG IFA website are illustrative only and do not constitute projections of expected returns unless expressly specified as such.

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SG does not guarantee or promise that the SG IFA website (including, but not limited to, the functions contained in it) will be updated, that access to it will be uninterrupted or error-free, that defects will be corrected and that all or any part of the content or materials or the accuracy, availability or completeness of the content of the SG IFA website are appropriate or available for use in any jurisdiction.

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Where any SG Plan is based on an index, the index provider will have no liability to you in respect of its activities in respect of that index.

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(a)  duties and liabilities to you under the regulatory system;

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(c)  liability for fraud or fraudulent misrepresentation.


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The Contracts (Rights of Third Parties) Act 1999 shall not apply to these Terms and accordingly nothing in these Terms shall be directly or indirectly enforceable by any third party, nor are they intended to confer a benefit on any third party.

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By clicking “I Agree” to the Terms of this website and accessing the information on the website, you shall be deemed to have represented to us that you are not a U.S. person and that you are not located in the United States of America, its territories and possessions, and any State of the United States of America and that you are authorised to receive the information to and on this website.