iDAD Dual Index Defensive Kick Out Plan August 2019

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The iDAD Dual Index Defensive Kick Out Plan is a maximum 8 year plan that offers potential growth of 8.5% for each year the plan runs, subject to the performance of the FTSE 100 and Euro Stoxx 50 indices.

Term

A maximum 8 years 1 week investment

Underlying index

FTSE 100 Index, Euro Stoxx 50

Issuer

Goldman Sachs International Bank

How the plan works

If the Closing Levels of the Underlying Indices on any Early Observation Date before  the Final Valuation Date are at least equal to or above 90% their respective Initial  Index Levels, the Plan will kick out, i.e. mature early, and make a gross investment  return of 8.50% for each year that the Plan has been in force. The first Early  Observation Date will be on 1st of August 2022, three years after the Start Date. If the  Plan has not matured early, and the Closing Levels of both Underlying Indices on the  Final Valuation Date (the ‘Final Levels’) are at least equal to or above 90% their respective Initial Index Levels, the Plan will provide an investment return at the  Maturity Date equal to 168% of the money you invested. If the Final Level of one or  both Indices is below 90% their respective Initial Index Levels, no investment return  will be payable at the Maturity Date.

You will lose money if the Final Level of the lower performing Index is below 60% of its  Initial Index Level. The amount of your money that you would lose will be the  percentage by which the Final Level of that Index is below its Initial Index Level. In  extreme circumstances you could lose all of your money. If the Final Level of the lower  performing Index is at least equal to 60% of its Opening Level you will get back the  amount you invested.

How can I hold this?

Direct, ISA/ISA Transfers, SIPPs, SSAS,Corporate, Charities and Trusts

Other Key Information

The product is in the form of a note issued under Cayman law. It is not an interest bearing security. The payment obligations of the product manufacturer are guaranteed by  Goldman Sachs International.

Goldman Sachs International Bank, London, UK (see http://www.gspriips.eu or call  +442070510101 for more information)

The product provides the potential for capital growth and does not pay interest. What  you will receive at the end of the term of the product is not certain and will depend on  the performance of the class 0499 preference shares issued by GOLDMAN SACHS  (CAYMAN) LIMITED (ISIN: GS00PSH04993) (the preference shares). The  performance of the preference shares is in turn linked to the performance of a basket  consisting of the FTSE 100 Index and the EURO STOXX 50® Index (Price EUR) (the  underlying assets). In addition, you will take the risk that some or all of the value of  your investment may be lost at the end of the term of the product. The term of the  product will end no later than August 9, 2027. However, the product may terminate early depending on the performance of the underlying assets. Each note has a face  value of GBP 1,000. The issue price is 100.00% of the face value. The product is not  listed on an exchange.

Autocall feature: If the closing price of each underlying asset on any autocall  observation date is at or above its autocall barrier, the preference shares and the notes will terminate on the corresponding autocall payment date. In this case, you will receive the autocall payment shown in the key information document for each note that you hold

Repayment at maturity: This section applies only if no autocall occurs as described  above. On August 9, 2027, for each note that you hold:

1. If the closing price of the underlying asset with the lowest performance (as  compared with its initial reference price) on August 2, 2027 is at least equal to its  barrier price, you will receive GBP 1,000.00; or

2. Otherwise, you will receive GBP 1,000.00 multiplied by (i) the closing price of the  underlying asset with the lowest performance (as compared with its initial reference  price) on August 2, 2027 divided by (ii) the strike price of such underlying asset.

The strike prices, and barrier prices and initial reference prices are shown in the key information document.

The initial reference price of an underlying asset is the closing price of such underlying asset on July 31, 2019. The strike price of an underlying asset is 100.00% of the initial  reference price of such underlying asset. The barrier price of an underlying asset is  60.00% of the initial reference price of such underlying asset.

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 assets, the product and the product manufacturer. 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.

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

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;

seek capital growth, expect the movement in the underlyings assets 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;

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

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; and

 are making use of professional advice

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 (Cheque payments): 17 July 2019

Closing Date (Electronic payments): 24 July 2019

ISA Transfer closing date: 10 July 2019

Important Documents

> Plan Brochure – Dual Index Defensive Kick Out Plan August 2019

> Key Information Document

> Direct/ISA/ISA Transfer Application Form

> UK Trustee & 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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Is the iDAD Dual Index Defensive Kick Out Plan right for me?

This Deposit may be suitable for investors who:

Are seeking the opportunity for higher returns than current cash rates at the time this  Plan is launched

Understand how the capital at risk works and that they could lose their investment in  full

Wish to have exposure to the Underlying Indices

Understand the Plan may mature early, returning 100% of your Initial Capital plus a  return equivalent to 8.50% per annum

Are looking to invest for the medium to long term, being happy to remain invested  until the Maturity Date

Can afford to have their cash invested for the full term of the Plan

Wish to use this investment as part of a well-diversified portfolio

Understand the risk to capital in the event of an Issuer default and if the capital  protection barrier is breached at maturity

Should they need to sell their investment before maturity, accept that the trading  price may mean they get back an amount less than they invested

Appreciate that the fixed rate of return is conditional on the performance of the  Underlying Indices

This Deposit may not be suitable for investors who:

Have not received advice, completed an appropriateness test or spoken to a  financial adviser who deems the Plan appropriate for them

Don’t understand the risks of the Plan and that capital is at risk

Require a guaranteed income

Don’t want exposure to an equity Index

Require access to their investment over the term

Are unsure how the Plan works

Do not have at least £10,000 to invest

Are not comfortable that their investment may be at risk if the Issuer becomes  insolvent or if the Underlying Indices falls more than 60% from the Initial Index Levels

Cannot make an informed decision based on the information within the brochure or  from the Issuer’s Key Investment Document (KID)