Mariana 10:10 Plan November 2019

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The Mariana 10:10 Plan is a ten year investment with the potential growth payments dependant on the performance of the FTSE 100™ Index, the Underlying.

The Plan has three options and is constructed to offer a Potential Return of  8.20% in Option 1, 10.94% in Option 2 and 13.47% in Option 3 for each year the Plan runs with the possibility of early maturity and the full repayment of Initial Capital from the end of the Plan’s second year and annually thereafter. The Potential Return is only payable if the Plan kicks out.

Should the Closing Price of the Underlying on an Observation Date be at or above the  Kick Out Trigger Level, the Plan will mature early, repaying your Initial Capital plus the  Potential Return multiplied by the number of years the Plan has run.

The Kick Out observations begin on the second anniversary date and continue on an  annual basis until the Plan’s Maturity Date.

If the Plan has not already kicked out, Initial Capital will be repaid in full at the end of the Plan’s term if on the Maturity Date the Closing Price of the Underlying is not more than 30% below the Start Level.

If on the Maturity Date the Closing Price of the Underlying is less than 70% of the Start Level (representing a decline of more than 30% from the Start Level), your Initial Capital  will be lost at a rate of 1% for every 1% the Closing Price of the Underlying is below the  Start Level.

The Counterparty chosen for this Plan is Goldman Sachs International. Goldman Sachs & Co. Wertpapier GmbH, an affiliate of Goldman Sachs International, is the issuer of the underlying investments that are purchased on your behalf with the money you have invested. The investments are constructed to generate the terms described  in the Brochure.

Goldman Sachs International acts as Guarantor of the securities issued by Goldman  Sachs & Co. Wertpapier GmbH, which means that Goldman Sachs International will  make the payments under the securities if Goldman Sachs & Co. Wertpapier GmbH is  unable to fulfil its payment obligations. You may lose part and up to all your investment if Goldman Sachs International goes into liquidation and defaults on paying your Plan  return and the repayment of your Initial Capital. The risk that Goldman Sachs  International goes into liquidation is called Counterparty Risk.

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 & Co. Wertpapier GmbH (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 preference shares issued by GOLDMAN SACHS  (CAYMAN) LIMITED (the preference shares). The  performance of the preference shares is in turn linked to the performance of the FTSE 100 Index (the underlying asset). 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 November 22, 2029. However, the product may terminate early depending on the performance of the underlying asset. Each note has  a face value of GBP 1. The issue price is 100.00% of the face value. The product will be listed on the Luxembourg Stock Exchange (Main Segment).

Autocall feature (Option1 ): If the closing price of the underlying asset on any  autocall observation date is at or above the 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 below for each note that you hold

Autocall feature (Options 2 & 3): If the closing price of the underlying asset on any autocall  observation date is at or above 100% (Option 2) 105.00% (Option 3) of the initial reference price, the preference shares and the notes will terminate on the corresponding autocall payment date. In this case, you will receive the autocall payment shown below for each note that you hold.

Repayment at maturity:

This section applies only if no autocall occurs as described above.

On November 22, 2029, for each note that you hold:

1. If the closing price of the underlying asset on November 15, 2029 is at least equal to  the barrier price, you will receive GBP 1.00; or

2. Otherwise, you will receive GBP 1.00 multiplied by (i) the closing price of the  underlying asset on October 4, 2029 divided by (ii) the strike price of the underlying  asset.

The initial reference price of the underlying asset is the closing price on November 15,  2019.

The strike price is 100.00% of the initial reference price. The barrier price is 70.00% of  the initial reference price.

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 asset, 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.

This product is intended for retail investors who:

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 underlying asset to perform in a  way that generates a favourable return, have an investment horizon of the  recommended holding period specified in the key information documents 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 documents; and

are making use of professional advice.

This product is not intended to be offered to retail clients who do not fulfil these criteria.

To gain a full understanding of this Plan it is important that you read the brochure and Key Information Documenbt 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?

Print and complete our Appropriateness Assessment Form

Print and complete the relevant application form, these forms can be found below.

Post all documents 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 by enclosing a cheque to Moneyworld.

Important Plan Dates

Closing Date (Cheques): 06 November 2019

Closing Date (Electronic): 12 November 2019

ISA Transfer closing date: 23 October 2019

Important Documents

> Plan Brochure – 10:10 Plan November 2019

> Key Information Document – Option 1

> Key Information Document – Option 2

> Key Information Document – Option 3

> Order brochure by post

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Is the Mariana 10:10 Plan right for you?

This investment may be right for you if:

You have either received advice or a financial adviser has confirmed that this investment is appropriate for you.

♦ You understand the risk associated with investing in this Plan (see page 21 of the brochure for more information).

♦ You are able to make an informed decision based on the information provided in the  Brochure and in the Issuer’s Key Information Document (KID).

♦ You understand that the returns are pre-defined and that you will forgo any growth in the Underlyings which exceeds the returns defined in the Brochure.

♦ You are comfortable that you are making an investment into a Plan that has a term of  ten years.

♦ You are comfortable that the Plan’s returns are linked to the performance of the FTSE™ 100, the Underlying.

♦ You are comfortable that any Potential Return and the repayment of your Initial Capital  is dependent on the continuing solvency of the Counterparty.

♦ You are comfortable that your capital is at risk and you could lose some and up to all of  your investment.

♦ You are looking to invest in a Plan that offers a potential growth payment and not an  income payment.

♦ You can afford to leave your money invested for the full term of the Plan.

♦ You have other savings or investments that are easily accessible to cover emergencies.

♦ You understand how the Plan works.

♦ You have at least £5,000 to invest.

♦ You are comfortable with the fact that the Plan may mature early (kick out).

This investment may not be right for you if:

You have not received advice or a financial adviser has not confirmed that this  investment is appropriate for you.

♦ You do not understand the risk associated with investing in this Plan (see page 21 of the brochure for more information).

♦ You are not able to make an informed decision based on the information provided in the Brochure and in the Issuer’s Key Information Document (KID).

♦ You do not understand that the returns are pre-defined and that you will forgo any  growth in the Underlyings which exceeds the returns defined in the Brochure.

♦ You are not comfortable that you are making an investment into a Plan that has a term  of ten years.

♦ You are not comfortable that the Plan’s returns are linked to the performance of the  FTSE™ 100, the Underlying.

♦ You are not comfortable that any Potential Return and the repayment of your Initial  Capital is dependent on the continuing solvency of the Counterparty.

♦ You are not comfortable that your capital is at risk and that you could lose some and up  to all of your investment.

♦ You are looking to invest in a Plan that offers an income payment.

♦ You cannot afford to leave your money invested for the full term of the Plan.

♦ You do not have other savings or investments that are easily accessible to cover  emergencies.

♦ You are unsure how the Plan works.

♦ You do not have at least £5,000.

♦ You are not comfortable with the fact that the Plan may mature early (kick out).