Walker Crips UK 95% Annual Kick Out Plan (CT097)

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When you invest in the Walker Crips UK 95% Annual Kick Out Plan, you may receive an accumulated return of 8% for each year of your investment depending on the performance of the FTSE 100 Index.

The full Investment Term is six years, however, the Plan has the potential to mature early (kick-out) from the second anniversary and annually thereafter.

If the Index is at or above 95% of the Initial Index Level on an Anniversary Date, the Plan will mature early (kick-out) and repay your Initial Investment plus a  defined return (as outlined on page 5 of the brochure).

You will receive back significantly less than you initially invested if the Closing Level of  the FTSE 100 Index is below 65% of its Initial Index Level on the Investment End Date.

The Counterparty for this Plan is Citigroup Global Markets Ltd. If Citigroup Global  Markets Ltd were to fail or become insolvent, you could lose some or all of your Initial  Investment and any return that may be due, irrespective of the performance of any  Index.

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.

Call +44 20 7986 2121 for more information.

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 final reference level of 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 a cash payment equal to the applicable  autocall payment. The relevant dates and autocall 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 the barrier level, a cash payment equal to  GBP 1.00; 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 issuer may terminate the product, as  applicable, early. These events are specified in the product terms and principally relate to the product and the 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:

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 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;

3. they are able to bear a total loss of their initial investment, consistent with the  redemption profile of the product at maturity (market risk);

4. they accept the risk that the issuer or guarantor could fail to pay or perform its  obligations under the product irrespective of the redemption profile of the product  (credit risk);

5. they are willing to accept a level of risk of 5 out of 7 to achieve potential returns,  which reflects a medium-high risk (as shown in the summary risk indicator below which takes into account both market risk and credit risk).

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

How do I invest?

Print and complete our Appropriateness Assessment Form

Please read about ID Verification & Payment Details

Print and complete the application & the Walker Crips Assessment Form

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: 01 March 2024

ISA Transfer closing date: 16 February 2024

Important Documents

> Plan Brochure – UK 95% Annual Kick Out Plan

> Key Information Document

> Order brochure by post

Structured Product Order Form

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Other application forms

> SIPP/SSAS Application Form

> Company Application Form

> Trust Application Form

When completing an Application Form for either a Company or Trust, Walker Crips also require the appropriate FATCA Addendum completed and submitted.

The two classifications for company investments are as follows;

> Company – Financial Institutions

> Company – Non Financial Entity

The 3 classifications for investments from trusts are;

> Trusts – Financial Institutions
> Trusts – Individual Owner
> Trusts – Non Financial Entity

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Is the Walker Crips UK 95% Annual Kick Out Plan right for me?

This Plan may be right for you if:

Understand the specific features and risks highlighted in the Plan documentation and are able to make an informed investment decision based on the information provided  within the authorised documentation, including this brochure and the Key Information Document (KID);

Understand how the Plan works and that your return will be based on predetermined calculations;

Understand that you will lose, and are able to withstand the loss of, more than 35%  of your Initial Investment if the Final Index Level of the Index is below 65% of the Initial Index Level on the Investment End Date;

Are looking for potential growth from your Initial Investment and do not require an  income during the Investment Term;

Understand that any potential return is determined by the Closing Level of the FTSE  100 Index at specified dates throughout the Investment Term;

Understand that you will receive no return at all where the Final Index Level of the
FTSE 100 Index is below 95% of the Initial Index Level;

Are prepared to accept the Counterparty risk of Citigroup Global Markets Ltd. If  Citigroup Global Markets Ltd defaults you understand that you could lose your Initial  Investment and any potential returns due to you, and you will not have recourse to the  FSCS;

Understand that you will not need access to your Initial Investment during the  Investment Term. You have other readily accessible funds available to meet your  immediate financial needs and for emergencies;

Accept the possibility that the Plan may mature early if certain conditions are met;

Understand that you may receive back less compared to a direct investment in the  underlying Index;

Have a positive view of the performance of the FTSE 100 Index over the Investment Term;

Have a minimum of £10,000 to invest.

This investment may not be right for you if:

 Are unable to make an informed investment decision based on the information provided within the authorised documentation, including this brochure and the Key  Information Document (KID);

♦ Are unsure how the Plan works or how the potential returns are calculated;

♦ Cannot afford to put your Initial Investment at risk, or are uncomfortable in putting your Initial Investment at risk;

♦ Are not prepared to accept the Counterparty risk of Citigroup Global Markets Ltd;

♦ Do not have other readily accessible funds available to meet your immediate financial needs and for emergencies;

♦ Are unable to commit to investing during the Investment Term;

♦ Would like to receive income from your Initial Investment during the Investment Term;

♦ Would like to add to your investment from time to time or at regular intervals over the Investment Term;

♦ Do not want your potential returns to be dependent on stock market performance;

♦ Do not have a positive view of the performance of the FTSE 100 Index over the Investment Term.