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.

Summary
 

Investment term	5 years and 2 weeks
Minimum Investment	£3,000
Underlying:	FTSE® 100 Index
Investment Options:	Potential quarterly Income Payments of up to 1.875% gross per quarter. Income Payment accrues for each Weekly Observation Date that the FTSE® 100 is equal to or above the Accrual Level. Accrual Level and Capital Protection Barrier fixed at 3,500 points on the FTSE® 100.
Capital Protection:	Provides protection as long as the FTSE® 100 is equal to or above the Capital Protection Barrier, subject to Counterparty and Credit risk. Capital Protection Barrier fixed at 3,500 points. Observations only on the Start and End Dates. If the End Value is below the Capital Protection Barrier, your initial investment is at risk and you will not get back the full amount of your initial investment. The amount you initially invested will be reduced by the same percentage that the End Value of the FTSE® 100 is below the Start Value. There is a risk that all of the money you initially invested could be lost. Please refer to “How do you calculate the return of my initial investment?” on page 8 of the brochure for details. Capital Protection only applies if the investment is held for the full Product Term.
Currency:	Pounds Sterling
Counterparty:	Morgan Stanley B.V. (Morgan Stanley acts as Guarantor for Morgan Stanley B.V.)
Credit rating: (As at 01 February 2012)	Rating   Outlook Fitch A Stable Moody’s A2 Negative S&P A- Negative
Availability:	- Direct investment - SIPP /SSAS Pension plans - Trustees - New Stocks & Shares ISA – Subject to HMRC limits

Considerations for Investing

If the following statements apply then an investment in the plan may be appropriate:

For both options

• 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 any of the money you invest during the product term

• You want a potential quarterly income.

• You are happy that the investment is linked to the performance of the FTSE 100

• You are prepared to risk losing some or all of the money you invest