Augere Dual Index Super Defensive Kick Out Plan February 2019 

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The Augere Dual Index Super Defensive Kick Out Plan is a maximum 7 year plan that offers potential growth of 8% for each year the plan runs, subject to the performance of the FTSE 100 and the S&P 500. The plan can mature early (Kick-Out) from the end of year 1 onwards.


A maximum seven year investment

Underlying asset

FTSE 100 Index and S&P 500 (the ‘Indices’)


Issued by Credit Suisse AG (A rated by S&P, A1 Moody’s and A by Fitch, December  2018).

Potential Returns from this investment

This investment could accumulate 8% growth for each year it is held. Any potential  growth payment is dependent upon a kick out event occurring. A kick out event is an opportunity for this investment to end early and with this investment it is possible  from the end of year 1 and every year thereafter. A kick out event will occur if at market close on any kick out observation date the underlying indices both close at or above  the kick out levels described here and on page 3 of the brochure.

What happens at maturity

If your investment has not kicked out before maturity, there are three possible outcomes at market close on the maturity date:

> If the worst performing index is at or above 65% of its starting level, you will receive  your initial invested capital plus a 56% growth payment.

> If the worst performing index is below 65% of its starting level but has not fallen  below 60% of its starting level, you will receive your initial invested capital but no  growth payment.

> If either index has fallen below 60% of its starting level, you will lose a proportion of  your capital equal to the percentage fall in the worst performing index. As an example,  if the worst performing index has fallen by 70% from its starting level – you will lose  70% of your initial capital

How can I hold this?

Direct, Stocks & Shares ISA (existing,new or transfer in), SIPPs, SSAS,Corporate, Charities and Trusts

Other Key Information

English law governed notes

Credit Suisse International ( The product issuer is Credit Suisse AG, acting through its London Branch.

The product is designed to provide a return in the form of a cash payment on  termination of the product. The timing and amount of this payment will depend on the  change in value of the preference shares, which in turn will depend on the  performance of the underlyings. The product has a fixed term and will terminate on the maturity date, unless terminated early. The payment at maturity will not exceed GBP  1.56. If, at maturity, the worst performing underlying has fallen below 60.00% of its  initial reference level, the product may return less than the product notional amount or  even zero.

Early termination following an autocall: The product will terminate prior to the  maturity date if, on any autocall observation date, the reference level of the worst  performing underlying is at or above the relevant autocall barrier level. On any such  early termination, you will on the immediately following autocall payment date receive  a cash payment equal to the applicable autocall payment. The relevant dates, autocall barrier levels and autocall payments are shown in the table(s) on the key  information document.

Termination on the maturity date: If the product has not terminated early, on the  maturity date you will receive:

1. if the final reference level of the worst performing underlying is at or above 65.00%  of its initial reference level, a cash payment equal to GBP 1.56;

2. if the final reference level of the worst performing underlying is at or above 60.00%  of its initial reference level and below 65.00% of its initial reference level, a cash  payment equal to GBP 1.00; or

3. if the final reference level of the worst performing underlying is below 60.00% of its  initial reference level, a cash payment directly linked to the performance of the worst  performing underlying. The cash payment will equal (i) the product notional amount  multiplied by (ii) (A) the final reference level of the worst performing underlying divided  by (B) its initial reference level.

Investors should note that the payments described above are based on the expected  value of the preference shares. Therefore any return you may receive on the product  depends directly on the value of the preference shares. As such, your return is only  indirectly dependent on the underlyings.

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 product issuer may terminate the product,  as applicable, early. These events are specified in the product terms and principally  relate to the product and the product issuer. The preference shares in turn contain  provisions allowing the preference shares to be adjusted or terminated early in the  case of certain exceptional events, in particular relating to the underlyings. Any such  adjustments or early termination are likely to affect the amount and timing of return you receive under the product, meaning the return (if any) that 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.

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

 they have the ability to make an informed investment decision through sufficient  knowledge and understanding of the product and its specific risks and rewards, with  experience of investing in and/or holding a number of similar products providing a similar  market exposure, either independently or through professional advice;

 they seek capital growth, expect the movement in the underlying to perform in a way that  generates a favourable return, have an investment horizon of the recommended holding  period specified below and understand that the product may terminate early;

 they accept the risk that the issuer could fail to pay or perform its obligations under the  product and they are able to bear a total loss of their investment; 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.

The product is not intended to be offered to retail clients who do not fulfil these criteria. Please ensure you have read and understood the important documents contained on this page before investing.

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

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: 13 February 2019

ISA Transfer closing date: 01 February 2019

Important Documents

> Plan Brochure – Dual Index Super Defensive Kick Out Plan February 2019

> Key Information Document

> Direct/ISA Application Form

> ISA Transfer Authority Form (ISA Application above must also be completed)

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

> Order brochure by post

Structured Product Order Form

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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 Augere Dual Index Super Defensive Kick Out Plan right for me?

The kind of investor that this product has been designed for is as follows:

Type of clients: retail investors who have the ability to make an informed decision  through sufficient knowledge and understanding of the product and its specific risks  and rewards, with experience of investing in and/or holding a number of similar  products providing a similar market exposure, either independently or with professional advice

 Investors will expect the FTSE 100 and S&P 500 to rise causing the investment to  kick out. In the event their market view is wrong, investors will desire some kick out  levels to be lower than the initial starting levels to increase the likelihood of receiving a positive return

 Investors will be happy to accept a capped potential return of 8% per annum.  Investors will realise that this potential return may be worse than investing directly in  the constituents of the FTSE 100 and S&P 500

 Investors will be willing and able to have their capital invested for 7 years

 Investors will be able to bear a 100% capital loss

 Investors will have a welldiversified portfolio. This investment will be one component  of this portfolio

 Investors will be happy with the long-term health of Credit Suisse AG

 Investors, with or without the aid of a regulated financial adviser, will ensure the  product is suitable. They will also have knowledge and experience in;

– Direct investment in structured and other capital at risk products

– Understanding what factors drive the underlying indices, in this case the FTSE 100  and S&P 500 and how movement in the underlying indices impacts the value of the  investment

– Understanding the benefits and consequences of the barrier feature of this  investment

– Understanding counterparty bank risk, in this case the risk that Credit Suisse AG defaults at any point during the investment term, and how this would impact any potential return from this investment

 Investors will be willing and able to take risk. They will understand that any potential return is contingent upon the performance of the FTSE 100 and S&P 500 on  the relevant observation dates

 Investors will realise that it is not guaranteed that this investment will return a growth  payment.