Mariana Dual Index Income Kick Out Plan – July 2021

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The Mariana Dual Index Income Kick Out Plan Plan is a six year two week investment with the potential for income of 1.65% per quarter, subject to the performance of the FTSE™ 100 and S&P 500® Indices.

This is a six year, two week Plan based on the performance of the FTSE™ 100 and  S&P 500® Indices, the Underlyings. The Plan is constructed to offer a Potential  Income of 1.65% per quarter (6.6% p.a) providing the Closing Price of both the  Underlyings is at or above 80% of the Start Level on a quarterly Observation Date. If  the Closing Price of any one of the Underlyings is below 80% of the Start Level on a  quarterly Observation Date, no income is paid 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 all 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 1 and quarterly thereafter.  Should the Closing Price of both the Underlyings be at or above 100% 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 the Finish Level of the worst performing Underlying is not less than 65% of the Start Level.

You are at risk of losing your capital if the Closing Price of the worst performing  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 worst performing Underlying is below the Start Level.

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 underlyings. The  product has a fixed term and will terminate on the maturity date, unless terminated  early. If, at maturity, the final reference level of 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 its 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. The relevant dates are shown in the table(s) in the key information document.

Interest: If the product has not terminated early, on each interest payment date you  will receive an interest payment of GBP 16.50 if the reference level of the worst performing underlying is at or above its 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 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.

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  early. These events are specified in the product terms and principally relate to the  underlyings, 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.

You do not have any entitlement to a dividend from any of the underlyings and you  have no right to any further entitlement resulting from any such underlying (e.g., voting  rights).

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

1. 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;

2. 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;

3. 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

4. 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.

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: 25 June 2021

ISA Transfer closing date: 09 June 2021

Important Documents

> Plan Brochure – Dual Index Income Kick Out Plan – July 2021

> Key Information Document

> Order brochure by post

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Is the Mariana Dual Index Income Kick Out Plan right for you?

This investment may be right for you if:

You have received advice from a financial adviser.

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 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 six years, two weeks.

You are comfortable that the Plan’s returns are linked to the performance of the  FTSE™ 100 and S&P 500® indices, the Underlyings.

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  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 £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 from a financial adviser.

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 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 six years, two weeks.

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

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 £10,000.

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