Walker Crips UK Fixed Income Plan – CT046

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When you invest in the UK Fixed Income plan you will receive quarterly income payments of 1.35%.

The UK Fixed Income Plan has been structured to provide scheduled quarterly income payments of 1.35% over a five year term (equivalent to 5.40% per annum). The Plan  does not have the ability to mature early at any time.

On each income payment date, a fixed payment of 1.35% will be made (equivalent to  5.40% per annum). These income payments are unconditional and do not depend on  the performance of any underlying Index.

When the Plan has reached the full five year  term, investors will lose a significant  proportion of their Initial Investment if the Final Index Level is below 65% of its Initial  Index Level on the Investment End Date.

When the Plan has run to the full five year term, repayment of your Initial Investment  will depend on the Final Index Level (the Closing Level of the Index on the Investment  End Date).

There are two possible scenarios on the Investment End Date:

– If the Final Index Level is at or above 65% of the Initial Index Level your Initial  Investment will be repaid to you in full.

– If, however, the Final Index level is below 65% of the Initial Index Level, repayment of your Initial Investment will be reduced by 1% for every 1% the Final Index Level is below the Initial Index Level.

These securities will be issued by Citigroup Global Markets Funding Luxembourg  S.C.A. (the ‘Issuer’). The payment obligations of the Issuer are secured by Citigroup  Global Markets Ltd. This means that, should the Issuer fail or be unable to make  payments due under the terms of the securities, Citigroup Global Markets Ltd will meet the payment obligations on its behalf.

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.

Authorised by the U.K. Prudential  Regulation Authority and regulated by the U.K. Financial Conduct  Authority and U.K.  Prudential Regulation Authority

The product is designed to provide a return in the form of (1) regular fixed interest  payments and (2) a cash payment on the maturity date. The amount of this payment  will depend on the performance of the underlying. The product has a fixed term and  will terminate on the maturity date. If, at maturity, the final reference level of the  underlying has fallen to or below the barrier level, the product may return less than the  product notional amount or even zero.

Interest: On each interest payment date you will receive an interest payment of GBP  0.0135. The interest payments are not linked to the performance of the underlying. The  relevant dates are shown in the table(s) on the key information document.

Termination on the maturity date: On termination of the product on the maturity date you will receive:

1. if the final reference level is above the barrier level, a cash payment equal to GBP  1.00; or

2. if the final reference level is at or 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.

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 underlying, 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 does not include accrued interest on a pro rata basis.

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 and have an investment horizon of the recommended holding period specified in the key information document;

3. 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

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.

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

Print and complete the Walker Crips 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: 12 August 2022

ISA Transfer closing date: 29 July 2022

Important Documents

> Plan Brochure – UK Fixed Income Plan – CT046

> 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;

> 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

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Is the Walker Crips UK Fixed Income 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 any income payments are determined from  the outset;

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 is below 65% of the Initial Index Level  on the Investment End Date;

Are looking for income, payable on a quarterly basis throughout the Investment Term;

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 income 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;

Understand that income payments cannot be reinvested into the Plan;

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

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

Have a minimum of £10,000 to invest (£5,000 for JISA)

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 any income payments 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  potential growth from your Initial Investment throughout 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 the return of your Initial Investment to be dependent on stock market  performance;

Do not have a positive view of the performance of the Index during the Investment  Term.