Reyker FTSE 100 Kick Out Plan January 2019

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The Reyker FTSE 100 Kick Out Plan aims to return your original capital at maturity and offers potential growth of 10.30% for each year the plan runs, subject to the performance of the FTSE 100 Index.

Counterparty

This investment is guaranteed by Citigroup Global Markets Limited (rated A+ by S&P,  A2 by Moody’s and A by Fitch). Investors should be happy with the long-term health of  the guarantor and the issuer of this investment.

Potential returns

This investment could accumulate 10.30% growth for each annual period that it is held. This will only become a growth payment if a kick out event occurs, or if on the maturity  date the FTSE 100 closes at or above 100% of its starting level.

What happens at maturity?

At maturity, this investment has a capital at risk barrier feature that will determine how  much, if any, of your initial invested capital you will receive. In this case, if the FTSE  100 has fallen by more than 40% from its starting level on the maturity date, you will  lose capital. This will be at least 40% of your initial invested capital and potentially all  of it. This is because a barrier breach will result in you losing capital on a 1 to 1 basis  equal to the percentage fall in the FTSE 100. For example, if the FTSE 100 has fallen  by 70% at maturity, you will lose 70% of your initial invested capital. This barrier  feature is known as a 60% European barrier and it poses a risk to your capital.

The capital at risk barrier feature gives your investment a degree of protection against  a fall in the FTSE 100. However, it makes this investment riskier than, for example, a  bank deposit. As such, investors will not expect the FTSE 100 to fall by more than 40% in 7 years’ time.

How can this investment be held?

Direct, Stocks & Shares ISA (new or transfer in), SIPPs/SSAS, Corporate, Charities and Trusts.

Does this plan offer FSCS Protection?

This plan offers no Financial Services Compensation Scheme protection except when Reyker holds client money pre-investment and at maturity. For more information please see the frequently asked questions section on Reykers website, or visit www.fscs.org.uk.

Other Key Information

English law governed notes

Citigroup Global Markets Limited (http://www.citigroup.com/). The product issuer is  Citigroup Global Markets Funding Luxembourg S.C.A. with a guarantee by Citigroup  Global Markets Limited.

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 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 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 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 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.

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 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.

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

they 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, either independently or through professional advice;

 they seek 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 or guarantor 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.

The 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 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 and conditions before investing

Important Plan Dates

New investment closing date: 23 January 2019

ISA transfer closing date: 11 January 2019

Important Documents

> Plan Brochure – FTSE 100 Kick Out Plan January 2019

> Key Information Document

Application Forms

> Appropriateness Questionnaire
(Please complete and return with your application form)

> Direct and ISA Application Form

> ISA Transfer Application Form

> SIPP/SSAS/Corporate Application Form

> Order brochure by post

Structured Product Order Form

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How do I invest?

Please print and complete your application form together with our appropriateness questionnaire. Please send your completed forms to us at Moneyworld, 34 High Street, High Wycombe, Bucks, HP11 2AG.

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Could the Reyker FTSE 100 Kick Out Plan be right for you?

If you agree with the statements below then an investment in the product may be suitable for you:

1. Type of clients: professional and professionally advised retail investors

2. Investors will expect the FTSE 100 to rise causing the investment to kick out.  Investors will be seeking an investment with kick out levels that reflect this view

3. Investors will be happy to accept a capped potential return of 10.30% per annum. Investors will realise that this potential return may be worse than investing  directly in the constituents of the FTSE 100

4. Investors will be willing and able to have their capital invested for 7 years

5. Investors will be able to bear a 100% capital loss in the worst case

6. Investors will have a well-diversified portfolio. This investment will be one  component of this portfolio

7. Investors will be happy with the long-term health of the issuing entity and the  guarantor

8. Regulated financial advisers will ensure that the investment is suitable for the  investor. They will also have knowledge and experience in:

– Direct investment in structured and other capital at risk products

– Understanding what factors drive the underlying index, in this case the FTSE 100,  and how movement in the underlying index impacts the value of the investment

– Understanding the benefits and consequences of the barrier feature of this investment

– Understanding Counterparty bank risk, in this case the risk that issuing entity and  the guarantor default at any point during the investment term, and how this would  impact any potential return from this investment

9. Investors will be willing and able to take risk. They will understand that any potential return is contingent upon the performance of the FTSE 100 on the  observation dates

10. Investors will realise that it is not guaranteed that this investment will return a  growth payment.