iDAD Callable Deposit Plan – Issue 17

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The iDAD Callable Deposit Plan offers a potential return of 10% per annum (2.5% per quarter).

This is a 6 Year 1 week Deposit Plan linked to the performance of the FTSE 100 Index.  The Deposit Plan is constructed to offer a potential return of 10% per annum (2.5% per quarter) to the final Callable Observation Date if the Deposit Taker calls the investment early, or 200% participation in  any growth of the FTSE 100 index at maturity.

If the Deposit Plan is not called early, at maturity, the investor receives a return of 200% of any positive growth in the FTSE 100 Index.  For example, at maturity, if the FTSE 100 Index has risen 10% from the Initial Index Level, the investor will receive 100% of their investment back plus a 20% growth payment (10% x 200%).

The opportunity for full capital protection and growth is the key aim of this investment.

The investment is linked to the FTSE 100 Index (see page 6 of the brochure for full details) and investors will benefit from growth or even flat market conditions.

The initial investment into the Deposit Plan, minus any initial adviser fee, will be  returned in full at maturity.

The Callable Feature – what is this and when may this occur?

On each Observation Date from the end of 18 Months, the Deposit Taker has the  option to ‘call’ the Deposit Plan at their discretion. This means the Deposit Plan could  be redeemed at that point and investors would receive their Initial Investment into the  Deposit Plan, together with the fixed rate of return of 10% p.a. (2.50% per quarter).

The main reason this may happen is because GSIB believes the growth payment that  could be paid out at maturity, may be higher than the Interest that has accumulated so  far.

For example, if after 4 years the Underlying Index has grown by 40% and seems set to continue growing, the Deposit Taker may feel that they will be better off redeeming the  Deposit Plan and paying 4 years of the fixed annual return, rather than potentially  paying the Index related return once the Deposit Plan matures.

The Deposit Taker on this plan is Goldman Sachs International Bank

Other Key Information

The product is in the form of a deposit provided under English law. It is not an interest bearing security. The payment obligations of the product manufacturer are not guaranteed by any entity.

Goldman Sachs International Bank, London, UK (see http://www.gspriips.eu or call +442070510101 for more information)

The product provides the potential for capital growth and does not pay interest. What  you will receive at the end of the term of the product is not certain and will depend on  the performance of the FTSE 100 Index (the underlying asset). The term of the product will end no later than October 25, 2029. However, we have the right to terminate the  product early. The product is not listed on an exchange.

Call feature: We have the right to terminate the product early on each call payment  date by giving notice on or before each call date shown in the key information document. In this case you will  receive the call payment multiplied by the deposit amount shown below for each note  that you hold.

Repayment at maturity: This section applies only if the plan is not terminated early as described above.

On October 25, 2029, you will receive the deposit amount multiplied by the sum of (A)  100% and (B) 200% further multiplied by the underlying asset performance. However,  if this is less than the deposit amount, you will receive the deposit amount.

The underlying asset performance is calculated by dividing the closing price of the  underlying asset on October 18, 2029 by the initial reference price of the underlying  asset and subtracting 100%.

The deposit amount is, at any time, the amount standing to the credit of your deposit  account at such time, and excludes any amount already withdrawn or transferred.

The initial reference price of the underlying asset is the closing price on October 18,  2023.

The product terms also provide that if certain exceptional events occur (1) adjustments may be made to the product and/or (2) the product issuer may terminate the product  early. These events are specified in the product terms and principally relate to the  underlying asset, the product and the product manufacturer. The return (if any) you  receive on such early termination is likely to be different from the scenarios described  above.

The product is intended to be offered to retail investors who:

1. have the ability to make an informed investment decision through sufficient  knowledge and understanding of the product and its specific risks and rewards, either  independently or through professional advice, with experience of investing in and/or  holding a number of similar products providing a similar market exposure;

2. seek principal protection, subject to the issuer’s ability to pay, expect the movement  in the underlying asset to perform in a way that generates a favourable return, have an investment horizon of the recommended holding period specified in the key information document and understand that the product may terminate early;

3. accept the risk that the issuer could fail to pay or perform its obligations under the  product but otherwise are not able to bear any loss of their investment;

4. are willing to accept a level of risk to achieve potential returns that is consistent with  the summary risk indicator shown in the key information document.

5. are making use of professional advice.

To gain a full understanding of this Plan it is important that you read the brochure carefully, including the product risks and terms and conditions. If you are unsure about any aspect of this investment product, please seek financial advice to ensure the Plan suits your requirements and overall investment planning.

Moneyworld does not offer investment advice. The information in this brochure does not constitute tax, legal or investment advice. Please read our terms and conditions before investing

How do I invest?

Print and complete our Appropriateness Assessment Form

Please read about ID Verification & Payment Details

Print and complete the application

Scan and email all documents to admin@moneyworld.com or post to – Moneyworld, 34 High Street, High Wycombe, Bucks, HP11 2AG

Application Fee

Our fee is just 0.5%. This can be deducted from the investment or paid directly to us.

Important Plan Dates

Closing Date (Cheque payments): 04 October 2023

Closing Date (Electronic payments): 11 October 2023

ISA Transfer closing date: 27 September 2023

Important Documents

> Plan Brochure – Callable Deposit Plan – Issue 17

> Key Information Document

> Direct/ISA/ISA Transfer Application Form

> Pension Scheme Application Form

> UK Trustee & Corporate Application Form

> Order brochure by post

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Is the iDAD Callable Deposit Plan right for me?

This Deposit may be suitable for investors who:

Are seeking the opportunity for higher returns than current cash rates at the time this  Deposit Plan is launched.

Understand how the capital protection works.

Wish to have exposure to the Underlying Indices.

Understand the deposit must be held until maturity to receive the quoted returns plus initial investment.

Are looking to invest for the medium to long term, being happy to remain invested  until the Maturity Date.

 Can afford to have their cash invested for the full term of the Deposit Plan.

 Wish to use this investment as part of a well-diversified portfolio.

 Understand the risk to capital in the event of a Deposit Taker default.

Should they need to encash their investment before maturity, accept that the trading  price may mean they get back an amount less than invested.

Understand the Deposit Taker may call the Deposit Plan early, returning 100% of your Initial Capital plus a return of 2.50% per quarter (10% per annum).

This Deposit may not be suitable for investors who:

Have not received advice, completed an appropriateness test or spoken to a financial adviser who deems the Deposit Plan appropriate for them.

 Don’t understand  the risks of the Deposit Plan.

 Require a guaranteed income.

 Don’t want exposure to an equity Index.

 Require access to their investment over the term.

 Are unsure how the Deposit Plan works.

 Do not have at least £10,000 to invest.

  Are not comfortable that their investment may be at risk if the Deposit Taker  becomes  insolvent.

 Cannot make an informed decision based on the information within the brochure or  from the Deposit Taker’s Key Investment Document (KID)