Hilbert UK Conditional Quarterly Autocall Issue 4

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The Hilbert UK Conditional Quarterly Autocall has a maximum term of 10 years and aims to provide a quarterly income payment of 2.05%, subject to the performance of the FTSE 100 Index.

Investment Term

Up to 10 years. However, the Plan will mature early from 5th February 2021 if certain criteria are met (see “Early Maturity” below).

Underlying asset

FTSE 100 Index

Counterparty

Citigroup Global Markets Funding Luxembourg S.C.A.(‘Citigroup’)

Administrator and Custodian

Hilbert Investment Solutions

Income

You will receive an income payment of 2.05% for each Quarterly Measurement Date  that the Closing Level of the Underlying Asset is at least equal to 80% of its Opening  Level. The income is paid gross. If the Closing Level of the Underlying Asset is below  80% of its Opening Level on a Quarterly Measurement Date, no income will be paid for that quarter. Once the Plan has matured, no further income will be paid.

Early maturity

The Plan will mature early if the Closing Level of the Underlying Asset is at least equal  to 105% of its Opening Level on any Quarterly Measurement Date from 5th February  2021. If this happens, you will receive the income payment for that quarter, and the  repayment of your original investment in full at this point.

Repayment of your investment if no early maturity

If the Final Level of the Underlying Asset is more than 40% below its Opening Level,  you will receive back significantly less than your investment. The amount of your  investment you receive back will be reduced by the same percentage amount that the  Underlying Asset has fallen in value from the Start Date.

Expected tax treatment

Income Tax

Other Key Information

English law governed notes

The product issuer is Citigroup Global Markets Funding Luxembourg S.C.A. with a  guarantee by Citigroup Global Markets Limited.

The product is designed to provide a return in the form of (1) conditional interest  payments and (2) a cash payment on termination of the product. The timing and  amount of these payments will depend on the performance of the underlying. The  product has a fixed term and will terminate on the maturity date, unless terminated  early. If, at maturity, the underlying has fallen to or below the barrier 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 is at or above the autocall barrier level. On any such early termination, you will on the immediately  following autocall payment date receive, in addition to any final interest payment, a  cash payment equal to the autocall payment of GBP 1,000.00. No interest payments  will be made on any date after such autocall payment date.

Interest: If the product has not terminated early, on each interest payment date you  will receive an interest payment of GBP 20.50 if the reference level is at or above the  interest barrier level on the immediately preceding interest observation date. If this  condition is not met, you will receive no interest payment on such interest payment  date.

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 is above the barrier level, a cash payment equal to GBP  1,000.00; or

2. if the final reference level is at or 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 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 early. These events are  specified in the product terms and principally relate to the underlying, the product and  the product 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 does not include  accrued interest on a pro rata basis

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;

they seek income, 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 in the key information document and understand that the product may terminate early;

they accept the risk that the issuer or guarantor 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 on the Key Information Document. The product is not intended to be offered to retail clients who do not fulfil these criteria.

Please ensure that you have read and understood the important documents contained on this page.

To gain a full understanding of this plan it is important that you read the 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 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 (Cheques): 25 January 2019

Closing Date (Bank Transfers): 04 February 2019

ISA Transfer closing date: 25 January 2019

Important Documents

> Plan Brochure – UK Conditional Quarterly Autocall Issue 4

> Key Information Document

> Direct, ISA and ISA Transfer Application Form

> Pension Scheme Application Form

> Trustees & Corporate Application Form

> 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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Could the Hilbert UK Conditional Quarterly Autocall be right for me?

If you are able to say ‘yes’ to all of the following then an investment in the Plan may be right for you.

Do you need an income from your investment?

Are you comfortable that your income is not being guaranteed?.

Are you comfortable putting some or all of your investment at risk (i.e. you could lose  some money)?

Are you comfortable with leaving your money invested for up to 10 years?

Do you have some existing knowledge of equity based investment? For example have  you invested in similar products in the past and do you have a general interest in financial  markets?

If you are unsure as to the suitability of this product then we recommend you seek financial advice.