Structured Products – Important Information

Important Information and Financial Promotion

This document is a marketing communication provided for information purposes and is not investment advice or a recommendation. It is not intended for distribution in or into the United States of America nor directly or indirectly to any U.S. person.

Tax and Legal

Any services and investments may have tax consequences. Union Bancaire Privée (UK) Limited does not provide tax or legal advice. The level of taxation depends on individual circumstances, which can change. You should seek professional advice to understand any applicable tax or legal consequences.

Mandatory Tax Compliance and Reporting

Union Bancaire Privée (UK) Limited is a subsidiary of Union Bancaire Privée, UBP SA (UBP). UBP ensures that the tax rules applicable to its business are in accordance with international conventions and that national laws are respected in all countries where UBP operates. Union Bancaire Privée (UK) Limited complies with its own reporting obligations, including those under the UK’s and Gibraltar Mandatory Disclosure Regime, and the exchange of information under the OECD’s Common Reporting Standards.

Confidentiality

This document is confidential. It may not be communicated or notified to any third party (with the exception of external advisers on the condition they respect this confidentiality. It may not be copied in whole or in part, without the prior written consent of Union Bancaire Privée (UK) Limited.

Investment Performance

Investments may be subject to market fluctuations and the price and value of investments and the income derived from them can go down as well as up. Your capital may be at risk and you may not get back the amount originally invested. Changes in inflation, interest rates and the rate of exchange may have an adverse effect on the value, price and income of investments.

Structured Products

In relation to products that aim to return your initial invested capital at maturity there is a risk that you may not receive back all of your investment in the event of a default by the issuer.

Any services and investments may have tax consequences and it is important to note that Union Bancaire Privée (UK) Limited does not provide tax advice. Clients should seek professional tax advice to confirm the tax consequences of such investments considering their particular circumstances. 

Investments in structured products will not benefit from protections provided by the UK Financial Services Compensation Scheme for clients of Union Bancaire Privée (UK) Limited or Clients of Union Bancaire Privée (UK) Limited, Gibraltar Branch. There is no compensation scheme in relation to investment accounts available in the Channel Islands.

Compensation Scheme - Structured Products

United Kingdom, Gibraltar and Channel Islands

For clients of Union Bancaire Privée (UK) Limited or clients of Union Bancaire Privée (UK) Limited, Gibraltar Branch, investments in structured products will not benefit from protections provided by the UK Financial Services Compensation Scheme (the 'FSCS').

This means that, in general, the FSCS will not pay compensation to investors in the event of the failure of the issuer of such structured products. Where they apply to the product, any guarantee obligations on the issuer are also not covered by the FSCS.

However, investors may be eligible to claim compensation under the FSCS if, due to failure or insolvency, Union Bancaire Privée (UK) Limited is unable to meet claims against its UK head office or Gibraltar branch for negligent advice or misselling in respect of a structured product of which it is the distributor and provider of advice.

There is no compensation scheme in relation to investment accounts available in the Channel Islands. In the event of default or failure of Union Bancaire Privée (UK) Limited, Jersey Branch or Union Bancaire Privée (UK) Limited Guernsey Branch or the issuer of the structured product, no compensation will be payable.

Except for the FSCS limitations applicable to structured products as outlined above, Union Bancaire Privée (UK) Limited and Union Bancaire Privée (UK) Limited, Gibraltar Branch are covered by the FSCS. The FSCS can pay compensation to investors if a bank is unable to meet its financial obligations. Most investors, including most individuals and businesses, are covered by the FSCS.

In relation to investment services, the limit is £85,000 per person. Financial institutions, funds and larger businesses may not be eligible for compensation under the FSCS, however the rights to FSCS protections for individuals and small businesses are not affected if they are categorised as professional clients.

For further information about the FSCS (including the amounts covered and eligibility to claim) please contact your Private Banker or refer to the FSCS website: www.fscs.org.uk.

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Legal and Regulatory Information

UK

Union Bancaire Privée (UK) Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The company is incorporated in England & Wales under number 964058 with registered office at One Bank Street, London E14 4SG.

Jersey and Guernsey Branch

Union Bancaire Privée (UK) Limited, Jersey Branch is regulated by the Jersey Financial Services Commission and the Financial Conduct Authority. The Company's principal address in Jersey is PO Box 78, 38 Esplanade, St Helier, Jersey JE4 8PR. Services provided by Union Bancaire Privée (UK) Limited, Jersey Branch will be subject to the regulatory regime applicable in Jersey, which differs in some or all respects from that of the UK. For UK-resident clients certain FCA protections may apply in addition to those available under the Jersey regime in certain specific circumstances.

Union Bancaire Privée (UK) Limited, Guernsey Branch is licensed and regulated by the Guernsey Financial Services Commission to provide deposit taking services, investment business services, as well as lending, credit and finance services, and is also registered as a money services provider in Guernsey, it is also regulated by the Financial Conduct Authority. The Company's principal address in Guernsey is PO Box 6, Hambro House, St Julian’s Avenue, St Peter Port, Guernsey, GY1 3AE. Services provided by Union Bancaire Privée (UK) Limited, Guernsey Branch will be subject to the regulatory regime applicable in Guernsey, which differs in some or all respects from that of the UK. For UK-resident clients certain FCA protections may apply in addition to those available under the Guernsey regime in certain specific circumstances.

Gibraltar Branch

Union Bancaire Privée (UK) Limited, Gibraltar Branch is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority and is authorised and regulated by the Gibraltar Financial Services Commission in respect of banking, investment and insurance mediation business. The company is incorporated in England & Wales under number 964058 with registered office at One Bank Street, London E14 4SG and is registered in Gibraltar under the Gibraltar Companies Act with its principal place of business in Gibraltar at Unit 5.02, Madison, Midtown, Queensway, Gibraltar GX11 1AA. The liability of the members of Union Bancaire Privée (UK) Limited is limited.

Services provided by Union Bancaire Privée (UK) Limited, Gibraltar Branch will be subject to the regulatory regime applicable in Gibraltar, which differs in some or all respects from that of the UK. For UK-resident clients certain FCA protections may apply in addition to those available under the Gibraltar regime in certain specific circumstances.

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