Mariana 10:10 Income and Growth Plan – December 2020

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The Mariana 10:10 Income and Growth Plan is a maximum ten year investment with the ability to mature from the end of year 3 and quarterly thereafter.  The plan offers potential for a quarterly income and an additional growth payment at maturity subject to the performance of the FTSE™ Custom 100 Synthetic 3.5% Dividend Index.

This is a ten year Plan based on the performance of the FTSE™ Custom 100  Synthetic 3.5% Dividend Index, the Underlying Asset. The Plan is constructed to offer  a Potential Income of 0.75% per quarter providing the Closing Price of the Underlying  is at or above 70% of the Start Level on a quarterly Observation Date. If the Closing  Price of the Underlying is below 70% of the Start Level on a quarterly Observation  Date, no income is paid for that quarter.

You will only receive the quarterly Potential Income if the income criteria is fulfilled on a quarterly Observation Date. To note, if, on every one of the quarterly Observation  Dates the income criteria is not fulfilled, you will receive no Potential Income  throughout the term of the Plan.

The Plan has the possibility to kick out on a quarterly basis from the end of year 3.  Should the Closing Price of the Underlying be at or above 105% of the Start Level on  any one of the kick out Observation Dates, the Plan will mature early paying the  Potential Income for that quarter and returning Initial Capital in full, plus the Potential  Return of 1% multiplied by the number of quarters the Plan has run. For the avoidance of doubt, if the Plan kicks out, no more Potential Income will be due.

If the Plan has not already kicked out, Initial Capital will be returned in full at the end of the Plan’s term if on the Maturity Date (18 December 2030) the Finish Level of the  Underlying is not more than 30% below the Start Level.

You are at risk of losing your capital if 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 Morgan Stanley & Co. International plc. Morgan Stanley & Co. International plc, an affiliate of Morgan Stanley, is the issuer of  the underlying investments that are purchased on your behalf with the money you  have invested.

You may lose part and up to all your investment if Morgan Stanley & Co. International  plc goes into liquidation and defaults on paying your Plan return and the repayment of  your Initial Capital. The risk that Morgan Stanley & Co. International plc goes into  liquidation is called Counterparty Risk.

Other Key Information

English law governed notes

Morgan Stanley & Co. International plc (http://sp.morganstanley.com/

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 the payment in the form of (2) a cash payment on termination of the product will depend on the change in value of the preference shares, which will in turn will  depend upon the performance of the underlying. The product has a fixed term and will  terminate on the maturity date, unless terminated early. The payment at maturity will  not exceed GBP 1,400.00. If, at maturity, the final reference level of the underlying has fallen below 70.00% of the 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 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 applicable autocall payment. No interest payments will be  made on any date after such autocall payment date. The relevant dates and autocall  payments are shown in the table(s) on the key information document.

Interest: If the product has not terminated early, on each interest payment date you  will receive the applicable interest payment 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. The relevant dates and interest 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 is at or above 105.00% of the initial reference level, a cash payment equal to GBP 1,400.00;

2. if the final reference level is at or above 70.00% of the initial reference level and  below 105.00% of the initial reference level, a cash payment equal to GBP 1,000.00;  or

3. if the final reference level is below 70.00% of the initial reference 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 initial reference level.

Investors should note that the applicable autocall payment described above is based  on the expected value of the preference shares. Therefore any autocall payment 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 underlying. 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 underlying. 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.

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

This product is intended for retail investors who:

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;

they seek income and/or 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 in the key information document 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.

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.

Scan and email all documents to admin@moneyworld.com or post 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): 07 December 2020

Closing Date (Electronic): 11 December 2020

ISA Transfer closing date: 25 November 2020

Important Documents

> Plan Brochure – 10:10 Income and Growth Plan December 2020

> Key Information Document

> Order brochure by post

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Is the Mariana 10:10 Income and Growth 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 18 of the  brochure for more information).

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

You understand that the returns are pre-defined and that you will forgo any growth in  the Underlying 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™ CSDI, 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 both a potential income payment and  growth payment.

You can afford to leave your money invested for the full 10 year 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 £10,000 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 18 of the brochure for more information).

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

You do not understand that the returns are pre-defined and that you will forgo any  growth in the Underlying 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™ CSDI, 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 solely a growth or income payment.

You cannot afford to leave your money invested for the full 10 year 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 £10,000.

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