Mariana Dual Index Defensive Kick Out Plan August 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 Dual Index Defensive Kick Out Plan is a seven year investment with the potential growth payments dependant on the performance of the FTSE 100™ Index and S&P 500 Index, the Underlying Asset.

This is a seven year, two week Plan based on the performance of the FTSE™ 100  Index and S&P 500® Index, the Underlying Assets. The Plan is constructed to offer a  Potential Return of 8.35% for each year the Plan runs with the possibility of early maturity and the full repayment of Initial Capital from the first year and annually  thereafter. The Potential Return is only payable if the Plan kicks out.

Should the Closing Price of both the Underlying Assets 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 09 August 2021 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 (09 August 2027) the Closing Price of the worst performing Underlying Asset is not more than 35% below the Start Level.

If on the Maturity Date the Closing Price of the worst performing Underlying Asset 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 worst performing Underlying Asset 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 a cash payment on  termination of the product. The timing and amount of this payment will depend on the  change in value of the preference shares, which in turn will depend on the performance of the underlyings. The product has a fixed term and will terminate on the maturity date, unless terminated early. If, at maturity, the worst performing underlying  has fallen below its 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 of the worst  performing underlying is at or above the relevant autocall barrier level. On any such  early termination, you will on the immediately following autocall payment date receive  a cash payment equal to the applicable autocall payment. The relevant dates, autocall  barrier levels and autocall payments are shown on the table(s) in 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 of the worst performing underlying is at or above its barrier level, a cash payment equal to GBP 1,000.00; or

2. if the final reference level of the worst performing underlying is below its barrier  level, a cash payment directly linked to the performance of the worst performing  underlying. The cash payment will equal (i) the product notional amount multiplied by  (ii) (A) the final reference level of the worst performing underlying divided by (B) its  strike level.

Investors should note that the payments described above are based on the expected  value of the preference shares. Therefore any return 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 underlyings.

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 underlyings. 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.

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 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): 27 July 2020

Closing Date (Electronic): 31 July 2020

ISA Transfer closing date: 15 July 2020

Important Documents

> Plan Brochure – Dual Index Defensive Kick Out Plan August 2020

> Key Information Document

> Order brochure by post

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Is the Mariana Dual Index Defensive 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 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  seven years.

♦ You are comfortable that the Plan’s returns are linked to the performance of the FTSE™ 100 and S&P 500, the Underlying Assets.

♦ 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 seven years.

♦ You are not comfortable that the Plan’s returns are linked to the performance of the  FTSE™ 100 and S&P 500, the Underlying Assets.

♦ 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).