Lend Hypovest

Base Prospectus

Product Details

Issuer	Helveteq AG
Base Currency	CHF
VALOR	135709969
ISIN	CH1357099691
Issue Date	15.07.2024
Maturity	open end
Investor Fee	0.95% p.a.
Subscription Fee	1.00%
Nominal Value	10’000.00
Issue Size	5’000.00
Last NAV	10’460.72 CHF

Service Providers

Custodian	Banca Credinvest SA
Paying Agent	Banca Credinvest SA
Administrator	Apex Corporate Services (Schweiz) GmbH
Security Agent	Adexas Rechtsanwälte AG

Product Description

The LEND Hypovest Certificate offers an investment in Swiss mortgages:

+5% annual target return through direct investment in predominantly subordinated mortgages at the exclusion of intermediaries
Collateralisation of each investment with real estate
Detailed analysis of each mortgage by a team of experts
Risk diversification and earnings potential due to a diversified portfolio approach
Easy-to-understand product: tracker certificate, 100% collateralized, accumulating returns, no leverage, no financial engineering

NAV Performance Indicators

Monthly Change in %

	Jan	Feb	Mar	Apr	Mai	Jun	Jul	Aug	Sep	Oct	Nov	Dec
25	0.36	0.37	0.46	0.42	0.41	0.40	0.40
24							-0.05	0.16	0.42	0.37	0.19	0.33

Historical Performance

Hypovest_factsheet_chart_202508

Investor Protection

Our ETPs and nETPs are secured bearer debt securities.

Each product is 100% collateralized, mitigating the issuer risk.

The Collateral is held by a regulated custodian and pledged to an independent security agent.

Regulatory Framework

Each product is issued under a Base Prospectus, approved by and registered with SIX Exchange Regulation Ltd, the reviewing body within the meaning of the Swiss Financial Services Act.

Helveteq AG undergoes independent audits and applies IFRS.

The net asset value (NAV) of each product is calculated by a regulated administrator.

Transparency

Helveteq AG issues the products from its balance sheet and is the ultimate beneficial owner of the collateral.

The setup is fully Swiss and applies to both the issuer and the instruments.

Helveteq AG is, for the purposes of the LFAIE, a Swiss company with no material influence from any foreign person.

Simple

ETPs are structured investment products that trade on regulated exchanges like shares.

nETPs (non-listed ETPs) follow the same structure but are not exchange-listed.

Investors can access the product directly through their broker or bank.

Legal Notice

Please read and accept the following information before proceeding.

Unless expressly otherwise stipulated, the information contained on the following web pages is intended exclusively for Swiss residents who are physically located in Switzerland.

The information contained on the following web pages does not contain or constitute an offer to sell or a solicitation of any offer to buy securities in the United States of America (the ‘United States’) or in any other jurisdiction in which such offer or solicitation is not authorized or to any person to whom it is unlawful to make an offer or solicitation. Users of this web site are requested to inform themselves about and to observe any such restrictions. The securities of Helveteq AG have not been and will not be registered under the United States securities laws and may not be offered or sold in the United States absent registration or an exemption from registration under the United States Securities Act of 1933, as amended. Neither Helveteq AG nor its shareholders intend to register any portion of the offering in the United States or conduct a public offering of securities in the United States. The information contained on the following web pages may not be distributed outside of jurisdictions where Prospectus will be approved and/or passported, in particular not in the United States.

Some of the information published on this website contains forward-looking statements. Users are cautioned that any such forward-looking statements are not guarantees of future performance and involve risks and uncertainties, and that actual results may differ materially from those in the forward-looking statements as a result of various factors. Helveteq AG undertakes no obligation to publicly update or revise any information or opinions published on the website. Helveteq AG reserves the right to amend the information at any time without prior notice.

The information contained on this website may not be considered as being a substitute for economic, legal, tax or other advice and users are cautioned to base investment decisions or other decisions solely on the content of this website. An investment decision with respect to securities of Helveteq AG must only be made on the basis of the offering circular published in accordance with applicable securities laws, in particular Swiss law. Users must consult their investment advisers or other advisers prior to making any decisions.

Further, by proceeding you confirm that you have read the complete legend and accept its terms:

Terms of use and legal information

By using the Helveteq AG website (hereinafter “Website”), you confirm that you have understood and accept the legal information, important notes and terms of use presented here. For further information see also https://helveteq.com/terms-of-use.

If you do not accept the terms of use, please refrain from using this Website.

Performance

Past performance is not an indication or guarantee of future performance of a product or underlying asset. The value of any investment may be subject to fluctuations and, in some circumstances, investors may not recover the original amount invested. Exchange rate fluctuations may also cause the value of an investment to rise or fall.

Conflicts of interest

From time to time, the issuer and/or lead manager and/or their third-party agents may, for their own account or for the account of others, take positions in securities, currencies, financial instruments or other assets that serve as an underlying asset to the products on this Website. They may buy or sell these assets, act as market makers, and simultaneously operate as seller or as purchaser. The trading or hedging activities of the issuers and/or lead manager and/or their third-party agents may influence the price of an underlying asset and may influence whether or not the relevant barrier level is reached (if such a level exists).

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