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To gain a full understanding of this Plan it is
important that you read the brochure carefully, including the Terms and
Conditions. If you are unsure about anything, please seek financial advice to
ensure the Plan suits your requirements and overall investment planning.
Remember, the information in this brochure does not constitute tax, legal or
investment advice and Moneyworld has given you no advice. Please read our
terms of
business before proceeding.
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Summary
|
Product Term |
Maximum of 6 years, 2 weeks,
may be shorter depending on
whether and when a Kick Out
Event occurs |
|
Minimum Investment |
£3,000 |
|
Underlyings |
AstraZeneca PLC, Man Group
PLC, BAE Systems PLC, Marks
& Spencer Group PLC, RSA
Insurance Group PLC |
|
Kick Out Event |
Occurs if on an Annual
Observation Date the Closing
Values of all five Underlyings are equal to or
greater than the Required
Reference Level. |
|
Required Reference Level |
The Required Reference Level
begins at 100% of the Start
Value of each of the
Underlyings. This is reduced
by 5% for each year of the
Product Term.
| |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
Year 6 |
|
Required reference
level |
100% of
start value |
95% of start value |
90% of
start value |
85% of start value |
80% of start value |
75% of start value |
|
|
Interest Payment |
Variable depending upon the
year (if any) in which a
Kick Out Event occurs. If no
Kick Out Event occurs, there
will be no Interest Payment.
|
Year and required
reference level |
Potential Interest
Payment |
|
Year 1 |
Year 2 |
Year
3 |
Year 4 |
Year
5 |
Year
6 |
No Kick Out |
|
Interest Payment |
9.5% |
19% |
28.5% |
38% |
47.5% |
57% |
0% |
|
|
Capital Protection |
Structured Deposit |
|
Currency |
Pounds Sterling |
|
Availability |
Direct
New ISA
ISA Transfer
SIPP & SSAS |
|
Counterparty |
The Royal Bank of Scotland
plc |
Credit Rating
(As at 09 May 2012) |
|
Rating |
Outlook |
|
Fitch - A |
Stable |
|
Moody's - A2 |
Rating under review
- down |
|
S&P - A |
Stable |
|
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Considerations for Investing
If the following statements
apply then an investment in the plan may be
appropriate:
• You have a minimum of £3,000 to invest
• You have sufficient savings to cover unexpected expenses
• You understand that you will not have access to your money
during the Investment Term
•
You understand that the Product may end before the full
Investment Term if a Kick Out Event occurs
• You want a lump sum payment
at the end of the Product Term
• You understand that you will not receive an income
• You are happy that the investment is linked to the
performance of the five Underlyings and understand
that you may not receive an Interest Payment as a lump
sum payment at the end of the Product Term?
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