Walker Crips UK & US Semi-Annual Step Down Kick-out Plan 7


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When you invest in the UK & US Semi-Annual Step Down Kick-out Plan 7, you may receive an accumulated return of 3.5% for each six month period that has elapsed since the Investment Start Date (equivalent to 7% per annum) depending on the performance of the FTSE 100 Index and the S&P 500 Index.

The full Investment Term is six and a half years, however, the Plan has the potential to mature early (kick-out) on 28 February 2022 and every six months thereafter

If the FTSE 100 Index and the S&P 500 Index are both at or above the required levels 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).

The required kick-out level reduces in the third year and each year thereafter.

You will receive back significantly less than you initially invested if the Closing Level of the FTSE 100 Index or the S&P 500 Index is below 60% of its Initial Index Level on the Investment End Date.

The Counterparty for this Plan is Goldman Sachs International. If Goldman Sachs International 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 underlying Indices.

If you need to withdraw your investment in the Plan before the Investment End Date you may receive back less than you invested.

Other Key Information

The product is in the form of a note issued under Cayman law. It is not an interest bearing security. The payment obligations of the product manufacturer are guaranteed by Goldman Sachs International.

Goldman, Sachs & Co. Wertpapier GmbH (see http://www.gspriips.eu or call  +442070510101 for more information)

The product provides the potential for capital growth and does not pay interest. What you will receive at the end of the term of the product is not certain and will depend on the performance of the class 0384 preference shares issued by GOLDMAN SACHS (CAYMAN) LIMITED (ISIN: GS00PSH03847) (the preference shares). The performance of the preference shares is in turn linked to the performance of a basket consisting of the FTSE 100 Index and the S&P 500® Index (the underlying assets).

In addition, you will take the risk that some or all of the value of your investment may be lost at the end of the term of the product. The term of the product will end no later than February 17, 2025. However, the product may terminate early depending on the performance of the underlying assets. Each note has a face value of GBP 1.00. The issue price is 100.00% of the face value. The product will be listed on the Luxembourg Stock Exchange (Main Segment).

Autocall feature: If the closing price of each underlying asset on any autocall observation date is at or above its autocall barrier, the preference shares and the notes will terminate on the corresponding autocall payment date. In this case, you will receive the autocall payment shown in the Key Information Document for each note that you hold.

Repayment at maturity: This section applies only if no autocall occurs as described above.

On February 17, 2025, for each note that you hold:

1. If the closing price of the underlying asset with the lowest performance (as compared  with its initial reference price) on February 10, 2025 is at least equal to its barrier price, you will receive GBP 1.00; or

2. Otherwise , you will receive GBP 1.00 multiplied by (i) the closing price of the underlying asset with the lowest performance (as compared with its initial reference price)  on February 10, 2025 divided by (ii) the initial reference price of such underlying asset. The strike prices, and barrier prices and initial reference prices are shown on page 1 of the Key Information Document.

The product is intended to be offered to retail investors who:

 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;

 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;

 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

 are making use of professional advice.

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: 21 February 2020

Cash ISA Transfer closing date: 07 February 2020

Stocks & Shares ISA Transfer closing date: 31 January 2020

Important Documents

> Plan Brochure – UK & US Semi-Annual Step Down Kick-out Plan 7

> Key Information Document

> Appropriateness Assessment (This form must be returned with your application)

> Order brochure by post

Structured Product Order Form

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Application Forms

> Appropriateness Questionnaire
Please complete and return 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.

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Is the Walker Crips UK & US Semi-Annual Step Down Kick-out Plan plan right for me?

This Plan may be right for you if:

understand the specific factors 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 returns are based on pre-determined market outcomes;

 understand that you will lose, and are able to withstand the loss of, a minimum of 40% of your Capital if either of the Final Index Levels are below 60% of their 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 and the S&P 500 Index at specified dates throughout the Investment Term;

 understand that you may receive no return at all where the level of the FTSE 100 Index or the level of the S&P 500 Index is below that required to provide a return on a specified date;

 are prepared to accept the Counterparty risk of Goldman Sachs International. If Goldman Sachs International defaults you understand that you could lose your Capital and any potential return and will not have recourse to the FSCS;

 understand the Investment Term and you will not need access to your Capital for six and a half 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 Indices perform 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 and the S&P 500 Index;

 have a positive view of the FTSE 100 Index and the S&P 500 Index performance over the next six and a half 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);

 you are unsure how the Plan works or how the potential returns are calculated;

 you cannot afford to put your Capital at risk, or are uncomfortable in putting your Capital at risk;

 you are not prepared to accept the Counterparty risk of Goldman Sachs International;

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

 you are unable to commit to investing your Capital for the six and a half year Investment Term;

you would like to receive income from your Initial Investment during the Investment Term;

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

 you do not want your potential returns to be dependent on stock market performance;

 you do not have a positive view of the FTSE 100 Index and the S&P 500 Index performance over the next six years.