iDAD FTSE Growth Deposit Plan – Issue 1

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The iDAD FTSE Growth Plan is a maximum 6 year plan that offers a potential return of 100% of any positive growth in the FTSE 100 index.

Term

6 years 2 weeks investment

Underlying index

FTSE 100 Index (the ‘Index’)

Deposit Taker

Royal Bank of Canada (London Branch) (RBC)

How the FTSE Growth Deposit plan works

This is a 6 year 2 week Deposit Plan based on the performance of the FTSE™ 100  Index. At maturity, the investor receives a return of 100% of any positive growth in the  FTSE™ 100 Index. For example, at maturity, if the FTSE™ 100 Index had risen 10%  from the Initial Index Level, the investor will receive 100% of their investment back plus a 10% growth payment (10% x 100%).

The Deposit Plan is constructed to offer a potential maximum return of 30% to the  redemption date if the Underlying Index risesto 130% of the Initial Index Level. Beyond this level, no further growth will be applicable – the Cap Level is 30% therefore.

The opportunity for full capital protection and capital growth is the key aim of this  investment. The investment is linked to one of the best-known indices in the world (see page 5 of the brochure for full details) and investors will benefit from growth in the Underlying Index.

The initial investment, minus any initial Adviser Fee, will be returned in full on the  Maturity Payment Date, regardless of the performance of the Underlying Index.

How can I hold this?

Direct, ISA/ISA Transfers, SIPPs, SSAS,Corporate, Charities and Trusts

Other Key Information

English law governed structured deposit

RBC Europe Limited (http://www.rbcnotes.co.uk/). The product is a structured deposit and the deposit taker is Royal Bank of Canada (London Branch)

The product is designed to provide a return in the form of a cash payment on the  maturity date. The amount of this payment will depend on the performance of the  underlying. The product has a fixed term and will terminate on the maturity date. The  payment at maturity will not exceed GBP 1,300 per individual investor deposit of GBP  1,000.

On termination of the product on the maturity date you will receive per individual  investor deposit of GBP 1,000 a cash payment amount directly linked to the  performance of the underlying. This amount will equal (i) GBP 1,000 multiplied by (ii)  (A) the final reference level divided by (B) the initial reference level. However, if this  cash payment exceeds GBP 1,300, you will only receive GBP 1,300 (the maximum  payment) and if it is less than GBP 1,000, you will receive GBP 1,000 (the minimum  payment).

Under the product terms, certain dates specified 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:

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;

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;

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

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.

Post all 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 October 2019

Closing Date (Electronic payments): 23 October 2019

ISA Transfer closing date: 09 October 2019

Important Documents

> Plan Brochure – FTSE Growth Deposit Plan – Issue 1

> Key Information Document

> Direct/ISA/ISA Transfer Application Form

> UK Trustee & Corporate Application Form

> Order brochure by post

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Is the iDAD FTSE Growth 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

Understand the returns are capped at 30% (5% p.a. over the 6 year term)

 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 they 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 Underlying 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)