Walker Crips UK 95% Kick Out Plan 2

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When you invest in the Walker Crips UK 95% Kick-out Plan, you may receive a potential return of 8.5% for each year of your investment depending on the performance of the FTSE 100 Index.

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

If the FTSE 100 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 60% of its Initial Index Level on the Investment End Date.

The Counterparty for this Plan is Morgan Stanley & Co. International plc. If Morgan  Stanley & Co. International plc were to fail or become insolvent, you could lose some  or all of your investment and any return that may be due, irrespective of the  performance of the FTSE 100 Index.

Other Key Information

English law governed notes

Morgan Stanley & Co. International plc (www.sp.morganstanley.com/eu)

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 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)  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:

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 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;

 accept the risk that the issuer or guarantor could fail to pay or perform its obligations  under the product but otherwise are able to bear a total loss of their investment;

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; and

The product is not intended to be offered to retail clients who do not fulfil these criteria.

Please ensure you have read and understood the important documents contained on this page before investing.

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

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: 12 July 2019

Cash ISA Transfer closing date: 21 June 2019

Stocks & Shares ISA Transfer closing date: 28 June 2019

Important Documents

> Plan Brochure – UK 95% Kick Out Plan 2

> Key Information Document

> Walker Crips Appropriateness Assessment (this form must be returned with your application form)

> Order brochure by post

Structured Product Order Form

  • This will help us send the correct application form.

Application Forms

> Moneyworld Appropriateness Questionnaire
Both this and the Walker Crips assessment form above must be completed and returned with your application form

> Direct and ISA Application Form

> ISA Transfer Application Form

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;

> FATCA – Financial Institutions

> FATCA – Non Financial Foreign Entity

The 3 classifications for investments from trusts are;

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

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.

Is the Walker Crips UK 95% 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 40%  of your Initial Investment if the Final Index Level of the Index is below 60% of the Initial Index Level on the Investment End Date;

Are looking for a potential return from your Initial Investment, payable at the end of  the Investment Term, and do not require an income from your Initial Investment  throughout 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 Morgan Stanley & Co. International  plc. If Morgan Stanley & Co. International plc 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 the Investment Term and you will not need access to your Initial  Investment for seven years. 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 if the Index performs better than the maximum potential return  offered by the Plan over the Investment Term, you may receive less than you would  have received had you invested directly in the FTSE 100 Index;

Have a positive view of the performance of the FTSE 100 Index over the next seven years;

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 Morgan Stanley & Co International plc;

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

♦ Are unable to commit to investing your Initial Investment for the seven year 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 next seven years.