Arcus 6Y UK Monthly Fixed Income Plan (MS11)

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The Arcus 6Y UK Monthly Fixed Income Plan is a 6 year investment which offers monthly income of 0.466%.

Income

0.466% of your Amount Invested every month (a total of 5.592% of your Amount  Invested a year).

What could you receive when the plan matures?

Whether you are repaid your Amount Invested in full 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 65% of its Start Level, you will be  repaid your Amount Invested in full.

If the Final Level of the FTSE 100 is below 65% of its Start Level (meaning it has  fallen more than 35% 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

Morgan Stanley B.V., guaranteed by Morgan Stanley. If the Issuer becomes insolvent,  you could lose a significant proportion of the Amount Invested and any income due,  regardless of how the FTSE 100 performs.

Other Key Information

English law governed notes

Morgan Stanley & Co. International plc

The product is designed to provide a return in the form of (1) regular fixed interest  payments and (2) 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. If, at maturity, the final reference level of the  underlying has fallen below the barrier level, the product may return less than the  product notional amount or even zero.

Interest: On each interest payment date you will receive an interest payment of GBP  4.66. The interest payments are not linked to the performance of the underlying. The  relevant dates are shown in the table(s) in the key information document.

Termination on the maturity date: On termination of the product on the maturity date you will receive:

1. if the final reference level is at or above the barrier level, a cash payment equal to  GBP 1,000.00; or

2. if the final reference level is below the barrier level, a cash payment directly linked to the performance of the underlying. The cash payment will equal (i) the product notional amount multiplied by (ii) (A) the final reference level divided by (B) the strike level.

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 issuer may terminate the product early.  These events are specified in the product terms and principally relate to the  underlying, the product and the issuer. 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.

When purchasing this product during its lifetime, the purchase price may include  accrued interest on a pro rata basis.

You do not have any entitlement to a dividend from the underlying and you have no  right to any further entitlement resulting from the underlying (e.g., voting rights).

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

1. they 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, and they may have experience of  investing in and/or holding a number of similar products providing a similar market  exposure;

2. they seek income, expect the movement in the underlying to perform in a way that  generates a positive return. They have a long investment horizon;

3. they are able to bear a total loss of their initial investment, consistent with the  redemption profile of the product at maturity (market risk);

4. they accept the risk that the issuer or guarantor could fail to pay or perform its  obligations under the product irrespective of the redemption profile of the product  (credit risk);

5. they are willing to accept a level of risk of 3 out of 7 to achieve potential returns,  which reflects a medium-low risk (as shown in the summary risk indicator in the key information document which takes into account both market risk and credit risk).

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?

Online Applications – Click Apply Online and follow the onscreen instructions (this option is not available for ISA Transfers)

Email Applications – Print and complete our Appropriateness Assessment Form & Application Form and email this to admin@moneyworld.com

Please read about ID Verification & Payment Details

Postal Applications – Print and complete our Appropriateness Assessment Form & Application Form and post these along with any cheque’s 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: 08 March 2024

ISA Transfer closing date: 23 February 2024

Important Documents

> Plan Brochure – 6Y UK Monthly Fixed Income Plan (MS11)

> Key Information Document

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Is the Arcus 6Y UK Monthly Fixed Income Plan right for you?

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

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

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

I am looking to receive a regular income, rather than a return on my Amount Invested when the Plan matures.

I already have a larger investment portfolio made up of different types of  investments.

I am comfortable with leaving my money invested for up to six years and I will have  access to other money during this period for emergencies.

I am comfortable with investing in a Plan that is linked to the FTSE 100 and have a  neutral or bullish outlook on the potential growth of the FTSE 100 in the six-year term.

I understand the income I will receive from the Plan is fixed and I cannot earn more  than this, even if the FTSE 100 performs better.

I accept that there is a risk that I may get back less than my Amount Invested when  the Plan matures.

I can cope with significant losses if the FTSE 100 has fallen by more than 35% when  the Plan matures.

I accept that if I sell the Plan early, the amount I receive will depend on the value of  the Plan on the date of the sale and could be less than my Amount Invested.

I accept that the income and any repayment of my Amount Invested are not covered  by the FSCS and depend on the Issuer being able to meet its payment obligations.

I accept the personal tax implications of investing in the Plan.

I understand and accept the risks associated with this investment.

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