Mariana FTSE Defensive Income Kick Out Plan April 2020

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Important Update – Please Read

We are currently able to accept postal applications, however given the current circumstances we would suggest sending applications to us by e-mail if you can.  The funds for your investment should be transferred direct to the investment company so they have cleared funds by the closing date.  Account details for transferring funds are included on all application forms. Please send completed application forms and appropriateness questionnaires to us at admin@moneyworld.com. We will confirm receipt of your application within one working day.

If you have opted to pay your fee separately we will provide you with our account details when confirming receipt of your application.

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

This is a ten year Plan based on the performance of the FTSE™ 100 Index, the  Underlying. The Plan is constructed to offer a Potential Income of 1.75% per quarter  providing the Closing Price of the Underlying is at or above 80% of the Start Level on a quarterly Observation Date. If the Closing Price of the Underlying is below 80% of the  Start Level on a quarterly Observation Date, no income is paid for that quarter and the  income for that period is permanently lost.

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 from the end of year 2 and quarterly thereafter.  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 (subject to  Counterparty Risk).

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 (17 April 2030) the Finish Level of the  Underlying is not more than 35% below the Start Level.

You are at risk of losing your capital if the Closing Price of the Underlying is less than  65% of the Start Level (representing a decline of more than 35% 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 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 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 17.50 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 at or above the barrier level, a cash payment equal to  GBP 1,000.00; or

2. if the final reference level is 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 may include  accrued interest on a pro rata basis.

This product is intended for retail investors who:

  they have advanced knowledge and a comprehensive understanding of the product, its market and its specific risks and rewards, with relevant financial industry experience including either frequent trading or large holdings in products of a similar nature, risk  and complexity, either independently or through professional advice;

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 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): 02 April 2020

Closing Date (Electronic): 09 April 2020

ISA Transfer closing date: 23 March 2020

Important Documents

> Plan Brochure – FTSE Defensive Income Kick Out Plan April 2020

> Key Information Document

> Order brochure by post

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Is the Mariana FTSE Defensive Income Kick Out 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 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 income payment and not a  growth 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 18 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 a growth payment and not 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).