Arcus 6Y UK Conditional Income Kickout Plan (CA11)

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The Arcus 6Y UK Conditional Income Kickout Plan is a maximum 6 year investment which offers potential quarterly income of 1.775%, dependent on the performance of the FTSE 100 Index.

The potential income

You have the opportunity to receive an income payment every quarter, depending on  the performance of the UK stock market – specifically the FTSE 100 (UKX) Index (the  ‘FTSE 100’).

On each Income Date, the closing level of the FTSE 100 will be compared to its  closing level on the Start Date (the ‘Start Level’).

If the closing level of the FTSE 100 is at or above 80% of its Start Level on an  Income Date, you will receive an income payment equal to 1.775% for that quarter,  which is equivalent to 7.10% a year (not compounded).

If the FTSE 100 closes below 80% of its Start Level on an Income Date, you will  receive no income for that quarter.

The chance for early maturity

From the end of the second year, the Plan will mature early if the FTSE 100 closes at  or above 100% of its Start Level on a quarterly Income Date. If this happens:

You will receive the income payment of 1.775% for that quarter

You will be repaid your Amount Invested, and;

The Plan will mature at this point, meaning you will receive no further income  payments.

What could you receive when the plan matures?

If the FTSE 100 fails to close at or above 100% of its Start Level on any of the Early  Maturity Dates, your Amount Invested is at risk. The amount you will get back at  maturity will depend on the Final Level of the FTSE 100. On the Final Maturity Date,  the closing level of the FTSE 100 is recorded (the ‘Final Level’).

If the Final Level of the FTSE 100 is at or above 80% of its Start Level, you will  receive the final income payment and will be repaid your Amount Invested in full.

If the Final Level of the FTSE 100 is below 80% of its Start Level, but at or above  60% of its Start Level, you won’t receive the final income payment but you will be  repaid your Amount Invested in full.

If the Final Level of the FTSE 100 is below 60% of its Start Level (meaning it has  fallen more than 40% since the start of the Plan), the repayment of your Amount  Invested will be reduced by 1% for every 1% fall in the FTSE 100 (please see page 6  of the brochure for some examples of how much you could lose in different scenarios).

Crédit Agricole Corporate and Investment Bank (“Crédit Agricole CIB”) is the Issuer,  meaning it is responsible for issuing the investment (known as Securities) which the  Plan will purchase in order to provide the returns of the Plan to you. If the Issuer  becomes insolvent, you could lose a significant amount of your Amount Invested,  regardless of the performance of the FTSE 100.

Other Key Information

The product is in the form of a debt instrument, governed by English law.

Crédit Agricole CIB

To provide conditional interest payment(s), in return for the risk of loss of capital.  Amounts stated below are in respect of each Nominal Amount that you invest.

Interest: If the Underlying Performance is greater than or equal to -20%, on any  Interest Valuation Date, you will receive the Interest Amount on the immediately  following Payment Date.  Otherwise, no interest will be paid on that Payment Date.

Autocall Event: If the Underlying Performance is greater than or equal to 0% on any  Autocall Valuation Date, the product will be redeemed early and you will receive the  Nominal Amount (in addition to any interest payable) on the immediately following  Payment Date. No further payments of principal or interest will be made following such payment and early redemption.

Redemption on the Maturity Date:

Redemption Amount: If the product is not redeemed early, then you will receive one of the following:

▪ If a Barrier Event has NOT occurred: you will receive the Nominal Amount.

▪ Otherwise, you will receive an amount equal to the Nominal Amount diminished by an amount equal to the Nominal Amount multiplied by the Final Performance. The amount paid in such case will be less than the Nominal Amount and you may lose some or all  of your capital.

Early redemption and adjustments

The terms of the product provide that if certain defined events, in addition to those  described above, occur (principally but not exclusively in relation to any Underlying, or  the Manufacturer of the product (which may include the discontinuation of the  Manufacturer’s ability to carry out the necessary hedging transactions)), adjustments  may be made to the terms of the product to account for the relevant event or the  product may be early redeemed. The amount paid on any early redemption may be  less than the amount originally invested.

This product is intended for clients who:

• have significant knowledge and experience in products such as the one described in  the key information document

• are willing and able to bear a potentially total loss

• have a risk tolerance consistent with the summary risk indicator in the key information document

• are expressing a view on the underlying consistent with the conditions for a positive outcome (as stated in the product description)

• have a horizon consistent with the term of this product

To gain a full understanding of this Plan it is important that you read the Plan Brochure and Key Information Document 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

How do I invest?

Apply Online >>

If you wish to apply for a New ISA or Direct Investment please click the link above and follow the onscreen instructions.

ISA Transfers are not currently available.

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: 24 February 2023

Important Documents

> Plan Brochure – 6Y UK Conditional Income Kickout Plan

> Key Information Document

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Is the Arcus 6Y UK Conditional Income Kickout Plan right for you?

THIS PLAN MAY BE APPROPRIATE FOR YOU IF YOU AGREE TO ALL THE FOLLOWING STATEMENTS:

You are comfortable with leaving your money invested for up to six years and you  have access to other funds during this period for emergencies.

You have at least £3,000 to invest as a lump sum.

You already have a larger investment portfolio made up of different types of  investments (such as bonds, funds and other equity-based investments).

You are able to understand the features and risks associated with this investment.

You are comfortable with investing in a Plan that is linked to the FTSE 100, and have a neutral or positive outlook on the potential growth of the FTSE 100 in the six-year  term.

You are looking for income which is higher than you would achieve from a risk-free  investment (such as a savings account).

You are looking for a return which has potential to be higher than you would achieve  from a risk-free investment (such as a savings account).

You accept that in order to achieve a higher income, there is a risk that you may  receive little or no income at all, or get back less than your Amount Invested at  maturity.

You are able to bear significant losses if the FTSE 100 has fallen by more than 40%  at maturity.

You understand how the Plan works, in particular that income and any repayment  of your Amount Invested at maturity are not covered by the Financial Services  Compensation Plan (‘FSCS’) and depend on Crédit Agricole CIB being able to meet its payment obligations.

You understand that if you sell the Plan early, the amount you receive would depend  on the value of the Plan on the date of sale and could be less than the Amount  Invested.

You understand the personal tax implications of an investment in the Plan.

You accept the risks associated with this investment.

IF YOU CANNOT AGREE TO ALL OF THE STATEMENTS ABOVE, THIS PLAN MAY  NOT BE APPROPRIATE FOR YOU.