L 115/210
EN
Official Journal of the European Union
13.4.2022
[Element F] This product cannot be [easily] cashed in.
If you exit the investment earlier than the recommended holding period [you do not have a guarantee](where there is a guarantee only at the recommended holding period) [and] [you [will/may] have to pay extra costs] (where there are exit costs).
[Element G] The return is only guaranteed if you [describe relevant conditions or refer to where these conditions are described in the key information document, such as the narrative explanations provided in accordance with Annex III].
[Element H] This graph illustrates how your investment could perform.
You can compare it with the pay-off graphs of other derivatives.
[Element I] The graph presented gives a range of possible outcomes and is not an exact indication of what you might get back.
What you get will vary depending on how the underlying will develop.
For each value of the underlying, the graph shows what the profit or loss of the product would be.
The horizontal axis shows the various possible prices of the underlying value on the expiry date and the vertical axis shows the profit or loss.
[Element J] Buying this product holds that you think the underlying price will [increase/decrease].
[Element K] Your maximum loss would be that you will lose all your investment (premium paid).
PART 3
Templates
Template A: Single investment or single premium paid
Recommended holding period:
[]
Example Investment:
[EUR 10 000]
(Where applicable) Insurance premium:
[monetary amount] If you [exit] after 1 year
If you [exit] after []
If you [exit] after
(where applicable)
(where applicable)
[recommended holding period]
[Survival] Scenarios Minimum
[Monetary amount] or [There is no minimum guaranteed return [if you [exit] before [...years/ months/days]] (where applicable).
You could lose some or all of your investment [or have to make further payments to cover losses] (where applicable)]
Stress
What you might get back after costs
[] EUR
[] EUR
[] EUR
Average return each year
[] %
[] %
[] %
What you might get back after costs
[] EUR
[] EUR
[] EUR
Average return each year
[] %
[] %
[] %
What you might get back after costs
[] EUR
[] EUR
[] EUR
Average return each year
[] %
[] %
[] %
What you might get back after costs
[] EUR
[] EUR
[] EUR
Average return each year
[] %
[] %
[] %
[] EUR
[] EUR
[] EUR
Unfavourable
Moderate
Favourable
(Where applicable) [Death] Scenario [Insured event]
What your beneficiaries might get back after costs