Mariana FTSE Defensive Digital Deposit Plan November 2018

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The Mariana FTSE Defensive Digital Deposit Plan is a 6 year product with the potential return of 25.50% dependent on the performance of the FTSE 100™ Index, the Underlying.

This is a six year Deposit Plan based on the performance of the FTSE™ 100 Index, the  Underlying. The Deposit Plan is constructed to offer a potential return of 25.50% payable at maturity providing the closing price of the Underlying is at or above 95% of the Start Level on the Maturity Date

The total return due is paid on the Maturity Payment Date.

Initial Capital is returned in full on the Maturity payment Date regardless of the  performance of the Underlying.  The repayment of Initial Capital and the payment of any  returns are subject to Counterparty Risk.

The Deposit Taker chosen for this Deposit Plan is Royal Bank of Canada. The Deposit Taker (also known as the Counterparty), is the institution with which your Initial  Capital will be invested in the Structured Deposit described in the brochure.

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 on the maturity date in the form of (i) a fixed  interest payment (if applicable) and (ii) a cash payment of the individual investor deposit.  The product has a fixed term and will terminate on the maturity date. The payment at maturity will not exceed GBP 1,242.5 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:

1. if the final reference level is at or above 95.00% of the initial reference level, a cash  payment equal to GBP 1,250; or

2. if the final reference level is below 95.00% of the initial reference level, a cash payment  equal to GBP 1,000.

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.

This product is intended for 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  nder 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.

This product is not intended to be offered to retail clients who do not fulfil these criteria.

To gain a full understanding of this Plan it is important that you read the brochure and Key Information Documenbt 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 of business before investing

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 (Cheques): 07 November 2018

Closing Date (Electronic): 13 November 2018

ISA Transfer closing date: 24 October 2018

Important Documents

> Plan Brochure – FTSE Defensive Digital Deposit Plan November 2018

> Key Information Document

> Order brochure by post

Structured Product Order Form

  • This will help us send the correct application form.

Application Forms

> Appropriateness Questionnaire
(Please complete and return with your application form)

> Direct, ISA and ISA Transfer Application Form

How do I invest?

Please print and complete your application form together with our appropriateness questionnaire. Please send your completed forms to us at Moneyworld, 34 High Street, High Wycombe, Bucks, HP11 2AG.

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Is the Mariana FTSE Defensive Digital Deposit Plan right for you?

This investment may be right for you if:

You have either received advice or a financial adviser has confirmed that this investment is appropriate for you.

♦ You understand the risk associated with investing in this Plan (see page 15 of the brochure for more information).

♦ You are able to make an informed decision based on the information provided in the  Brochure and in the Issuer’s Key Information Document (KID).

♦ You understand that the returns are pre-defined and that you will forgo any growth in the Underlyings which exceeds the returns defined in the Brochure.

♦ You are comfortable that you are making an investment into a Deposit Plan that has a term of six years.

♦ You are comfortable that the Plan’s returns are linked to the performance of the FTSE™ 100, the Underlying.

♦ You are comfortable that any Potential Return and the repayment of your Initial Capital  is dependent on the continuing solvency of the Counterparty.

♦ You are looking to invest in a Plan that offers a potential growth payment and not an  income payment.

♦ You can afford to leave your money invested for the full term of the Plan.

♦ You have other savings or investments that are easily accessible to cover emergencies.

♦ You understand how the Plan works.

♦ You have at least £5,000 to invest.

This investment may not be right for you if:

You have not received advice or a financial adviser has not confirmed that this  investment is appropriate for you.

♦ You do not understand the risk associated with investing in this Plan (see page 15 of the brochure for more information).

♦ You are not able to make an informed decision based on the information provided in the Brochure and in the Issuer’s Key Information Document (KID).

♦ You do not understand that the returns are pre-defined and that you will forgo any  growth in the Underlyings which exceeds the returns defined in the Brochure.

♦ You are not comfortable that you are making an investment into a Plan that has a term  of six years.

♦ You are not comfortable that the Plan’s returns are linked to the performance of the  FTSE™ 100, the Underlying.

♦ You are not comfortable that any Potential Return and the repayment of your Initial  Capital is dependent on the continuing solvency of the Counterparty.

♦ You are looking to invest in a Plan that offers an income payment and not a growth payment.

♦ You cannot afford to leave your money invested for the full term of the Plan.

♦ You do not have other savings or investments that are easily accessible to cover  emergencies.

♦ You are unsure how the Plan works.

♦ You do not have at least £5,000