MLP Spectrum Brochure - Flipbook - Page 6
The Market-Linked Product spectrum
MarketLinked CD
Downside protection
What degree of
protection are you
looking for?
Principal
Protected
Note
HIGHER
100% principal protection (backed by issuer)1 + FDIC
Insurance1 + Estate Feature2
LOWER
MLCD
100% principal protection (backed by issuer)1
PPN
Varying degrees of protection (backed by issuer)1
Upside potential
What is your
desired level of
growth and/or
income?
MLN
LOWER
HIGHER
100% or more participation in the growth of the
underlier, excluding dividends, subject to a potential
cap on maximum return1
MLCD
PPN
MLN
Fixed or contingent coupons if the underlier meets
certain performance thresholds at predetermined
times (annual coupons typically range up to 10%)1
MLCD
PPN
MLN
Maturity
What is your
investment time
horizon?
MarketLinked Note
LONGER
SHORTER
Between 1-5 years1
MLN
Between 3-7 years1
MLCD
PPN
Individual stocks or equity indices with exposure
to: domestic/international markets, small-, mid-, or
large-cap companies and/or industry sectors
MLCD
PPN
MLN
Indices employing asset allocation or thematic
strategies
MLCD
PPN
MLN
Underlying asset
Where do you want
market exposure?
You can use Market-Linked Products to target a predefined level of risk and return that aligns with
your market outlook and investment objectives. Select pre-built offerings, or customize your own.
1 Any return of principal, as well as interest and gains generated are subject to the credit risk of the issuer and terms of the offering documents, which could include participation
rates, interim caps, and various risks. Dividends paid on the underlying asset are not passed through to the Market-Linked Product. There is no guarantee that a Market-Linked
Product will generate a positive return. Any applicable downside protection will be realized only at maturity, which may range up to 10 years. For certain Market-Linked Notes,
return at maturity could be less than the original amount invested. Regarding Market-Linked CDs, the Federal Deposit Insurance Corporation (FDIC) insures principal amounts
up to applicable limits in the event the issuer becomes insolvent.
2 Market-Linked CDs may have an estate feature that, upon death or adjudication of incompetency, allows beneficiaries to redeem Market-Linked CDs for at least their principal
value, without interest, prior to maturity. Certain restrictions apply, and redemptions may be limited. Please refer to the investment’s offering documents for details.
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