Important notice

This email is from Tempo Structured Products.

Tempo Structured Products is a trading name of Tempo Structured Products Limited, registered in England (No 12871910), with its registered office at 338 Euston Road, London NW1 3BG. Tempo Structured Products is authorised and regulated by the Financial Conduct Authority (FCA No 988535). Tempo Structured Products is part of the Alpha Real Capital family of companies (‘Alpha’), which benefit from materially common ultimate beneficial ownership.

No saving, investment, tax or legal recommendation or advice of any type and no suggestion of suitability or appropriateness of any saving or investment product for any prospective saver or investor is given or implied in this e-mail. The information in this e-mail does not take account of the saving or investment objectives, particular needs or financial situation of any client or potential client of any professional adviser by whom this e-mail is received. There are risks associated with a deposit in a structured deposit plan and / or an investment in a structured product plan.

Tempo Structured Products engages with investment professionals, in particular: financial advisory firms (and staff of financial advisory firms), wealth managers and other investment professionals who are authorised and regulated to advise on investments by the Financial Conduct Authority; and other appropriately authorised wealth management or investment professionals (‘Professional Advisers’).

Professional Advisers should access and read the relevant plan documents relating to any  plan of interest, in particular: the plan brochure; ‘if / then…’ summary;  plan application pack, including, the terms and conditions of the plan; the deposit taker bank’s and / or issuer’s key information document (‘KID’); and, in the case of structured products, the issuer’s securities prospectus and final terms sheet, before making a recommendation to their clients.

Professional advisers should not advise their clients to make a deposit in a structured deposit plan and / or to invest in a structured product plan unless they and their clients understand the plan, in particular the relevant risks.

Our structured deposit plans:

Structured deposits are not suitable for everyone.

In addition to understanding the features and benefits of structured deposits, professional advisers and their clients also need to understand their risks and limitations:

– While structured deposits are similar to bank or building society fixed term deposits, a key difference is that the level of interest that a structured deposit pays may be linked, either fully or partly, to a stock market (or other asset class) index, such as the FTSE 100 or similar.

– Some structured deposits may offer non-conditional, fixed levels of interest; some may offer conditional levels of interest that are linked to the level of a stock market index; and some may offer a combination of both.

– Some conditional, stock market linked structured deposits may require the stock market index to rise in order to generate some or all of their potential interest, however many structured deposits do not require the stock market index to rise in order to pay stock market linked interest and some may allow the index to fall.

– It is important that professional advisers and savers carefully consider the outlook for the index. In respect of the FTSE 100 EWFD, this includes consideration of the level of its fixed dividend and the outlook for its future level. Our structured deposit plans are designed for savers who have a positive view of the future level of the index, over the medium to long term.

– It is important that professional advisers and savers carefully consider that while structured deposits offer the potential to generate higher levels of interest than high street bank / building society deposits, the level of interest actually paid may be less than the level of risk free interest paid by high street bank / building society deposits.

– Even if the interest is conditional and based on a link to the level / performance of a stock market index, the repayment of money in a structured deposit is not subject to stock market risk at maturity.

– The value of structured deposits during the deposit term may be affected by various factors: while accessing a structured deposit is usually possible, during normal market conditions, this is not guaranteed.

– As per any bank or building society deposit, structured deposits present deposit taker risk, which needs to be understood and accepted: the potential interest of a structured deposit and the repayment of money saved in a structured deposit usually depend on the financial stability of the deposit taker throughout the deposit term.

As per bank / building society deposits, structured deposits may benefit from FSCS protection, assuming the deposit taker is licensed in the UK and deposit holders are eligible claimants, within claim limits.

Our structured product plans:

Structured products are not suitable for everyone.

In addition to understanding the features and strengths of structured products, professional advisers and their clients also need to understand their risks and limitations:

– Structured products present counterparty risk, which needs to be understood and accepted: the potential returns of a structured product and the repayment of money invested in a structured product usually depend on the financial stability of the issuer and counterparty throughout the investment term.

– The level of return a structured product generates may be capped and / or less than the level of return generated by direct investment in the stock market or via active or passive funds.

– The terms of structured products can predefine what can be expected at maturity and at certain other dates, such as potential ‘kick-out’ and early maturity dates: but these terms do not apply during the investment term.

– The value of structured products during the investment term may be affected by various factors: while accessing an investment is usually possible, during normal market conditions, this is not guaranteed.

– Past performance is not a reliable indicator of or guide to future performance and should not be relied upon, particularly in isolation: the value of investments and the income from them can go down as well as up.

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

– It is not usually possible to claim under the Financial Services Compensation Scheme (‘FSCS’) if the Issuer and Counterparty Bank fail to meet their obligations or if the stock market index that a plan is linked to falls.

The ‘Important risks’ section of our website highlights the key and other risks of our structured deposit plans and our structured product plans, in addition to explaining important information for Professional Advisers who wish to access the current deposits and / or current products areas of our website and who may use our structured deposit plans and / or structured product plans with their clients.

To see our full ‘Important risks’, please see www.tempo-sp.com/home/important-risks

When addressed to Professional Advisers, any opinions or advice contained in this email and any attachments are subject to our terms of business with Professional Advisers.

Opinions, conclusions and other information in this email and any attachments which do not relate to the official business of the firm are neither given nor endorsed by it.

This email is for the exclusive use of the intended recipient(s).

If you are not the intended recipient(s) please note that any form of disclosure, distribution, copying or use of this communication or the information in it or in any attachments is strictly prohibited and may be unlawful.

If you have received this communication in error, we would be grateful if you would return it with the title ‘Received in Error’  to info@tempo-sp.com then delete the email and destroy any copies of it.

Email communications cannot be guaranteed to be secure or error free. Where possible, confidential data should be sent to us in encrypted form. This email will have been scanned by our anti-virus software before transmission. We cannot however, warrant that this email is free from viruses. We do not accept liability for the consequences of any viruses that may inadvertently be attached to this email.  Anyone who communicates with us by email is taken to accept the risks in doing so.