iDAD FTSE 100 Income Deposit Plan – August 2022

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The iDAD FTSE 100 Income Deposit Plan is a 5 year 2 week plan with the potential returns linked to the performance of the FTSE 100 Index.

This is a 5 year 2 week Deposit Plan linked to the performance of the FTSE 100 Index. The Deposit Plan is constructed to offer a potential return of 6% per annum (1.50% per quarter) paid quarterly if the underlying index is at or above its Start Level on each observation date prior to maturity date.

Your Initial Capital will be returned in full at maturity regardless of the performance of  the Index, subject to Deposit Taker risk.

The Deposit Taker for this plan is Royal Bank of Canada (London Branch)

Other Key Information

English law governed structured deposit

RBC Europe Limited ( The product is a structured deposit and the deposit taker is Royal Bank of Canada The product issuer is Royal Bank of Canada  (Toronto London Branch). Call +44 (0) 20 7029 0555 for more information.

The product is designed to provide a return in the form of (1) conditional interest  payments and (2) a cash payment on the maturity date. The product has a fixed term  and will terminate on the maturity date. Interest: On each interest payment date you  will receive an interest payment calculated by multiplying the individual investor  deposit by the interest rate of 6.00% per annum and then applying the day count  fraction to adjust this amount to reflect the length of the relevant interest period if the  reference level is at or below the interest barrier level on the immediately preceding  interest observation date. If this condition is not met, you will receive no interest  payment on such interest payment date. The relevant dates are shown in the table(s) on the key information document.

Termination on the maturity date: On termination of the product on the maturity date you will receive GBP 1,000 per individual investor deposit of GBP 1,000.

Under the product terms, certain dates specified above and below will be adjusted if  the respective date is either not a business day or not a trading day (as applicable).  Any adjustments may affect the return, if any, you receive.

The product terms also provide that if certain exceptional events occur (1) adjustments may be made to the product and/or (2) the deposit taker may terminate early. These  events are specified in the product terms and principally relate to the underlying, the  product, the deposit taker, the deposit plan manager and the depositor intermediary.  The return (if any) you receive on such early termination is likely to be different from  the scenarios described above and may be less than the amount you invested. Early  withdrawal charges may apply.

The product is intended to be offered to retail investors who fulfil all of the criteria  below:

1. they have basic knowledge and/or experience of investing in similar products which  provide a similar market exposure and have the ability to understand the product and  its possible risks and rewards, either independently or through professional advice;

2. they seek income and/or full principal protection, subject to the deposit taker’s ability to pay, expect the movement in the underlying to perform in a way that generates a  favourable return and have an investment horizon of the recommended holding period  specified in the key information document;

3. they accept the risk that the deposit taker could fail to pay or perform its obligations  under the product but otherwise they are not able to bear any loss of their investment,  subject to the availability of any compensation under the UK Financial Services  Compensation Scheme; and

4. they 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.

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

Print and complete the relevant application form, these forms can be found below.

Scan and email all documents to or post your documents 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 by enclosing a cheque to Moneyworld.

Important Plan Dates

Closing Date (Cheque payments): 16 August 2022

Closing Date (Electronic payments): 23 August 2022

ISA Transfer closing date: 09 August 2022

Important Documents

> Plan Brochure – FTSE 100 Income Deposit – August 2022

> 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 FTSE 100 Income 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 Index.

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.

This Deposit may not be suitable for investors who:

Have not received advice 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)