PLAN. S u p e r t r a c k e r P l a n J u ly Counterparty: Royal Bank of Canada

Transcription

1 PLAN 104 FTSE 100 S u p e r t r a c k e r P l a n J u ly 2015 Counterparty: Royal Bank of Canada A Reyker capital at risk product with capped growth. You may lose some, or in extreme cases, all of your capital : CAPPED GROWTH U K S PA S S O C I AT I O N.C O. U K

2 Y o u r T e a m P l a n 104 Contents D r. J a m e s Chu, CFA Director, Markets & Investments James and his team are responsible for the structuring and design of all Reyker structured products, including our bespoke products. S i l k e Kessel Director, Client Services Silke and her team will look after you throughout your investment journey; prior to making your application, right through until your plan matures. They are always available to answer your questions. See page 17 for their contact details. 4 T h e Investment 5 T e r m Sheet 6 Y o u r Market V i e w 7 I n v e s t m e n t Out c o m e s 8 U n d e r ly i n g Index 9 I n v e s t o r Profile C o u n t e r pa r t y & Market R i s k Facto r s H o w t o Invest 16 O u r Service K e y Questions A p p l i c at i o n Form 21 C o n ta c t Us 22 T h e Reyker A r t i s t Programme 23 S tay in T o u c h H a r r i e t Brooke-T ay lo r Relationship Executive I n t r o d u c i n g the artist 2 S a m Prior Relationship Executive J e s s i e Grech Associate Working in partnership with local artisans and charities, we've invited up and coming UK local artists to collaborate with our in-house design and marketing team. Through 2015 we'll be featuring a variety of works in our brochures as a collaborative business project. In this brochure we introduce artist Caia Matheson. From a creative background working with a fashion label, Caia took the jump into Art to create amazing piece using traditional painting techniques. You can read about her and how to contact her on page 22.

3 A letter from our team 17 June 2015 Dear Investor Thank you for considering an investment into one of our Reyker wealth enhancement products. This plan can potentially provide you 10 times the growth of the FTSE 100 index, subject to a cap of 70%. By investing with Reyker you are marking the start of a long standing relationship. We pride ourselves on being entirely transparent in our work by highlighting the risks of any investment. We regularly monitor the performance of the underlying financial instruments, offering an optional plan monitoring service to your adviser. By doing this we forge strong partnerships and provide a lifetime of care for all of our clients, and a safe place for them to house their investments. The continued success of our structured product launches proves that our innovative designs and counterparty bank relationships are longlasting and dependable. We'll be here throughout the life of your investment and beyond. If you haven't invested with us before, it is worth noting that we are a well-capitalised FCA regulated firm with an impeccable record of safety and security, and we will keep your investment in our safe custody throughout its life. For your peace of mind, you can check our independent audit opinions every quarter on our website and our annual accounts are also available to view; we understand how important transparency is in our industry. Reyker works with two small charities whose causes are close to our hearts and who really need help: Friends of the Elderly and Jump Childrens Charity. Our staff give their time as well as fundraising to support them. For every structured investment that is made, Reyker makes a charitable contribution and you also have the opportunity to add a small gift aid sum too if you wish but it is not a requirement. Yours sincerely Dr James Chu, CFA Silke Kessel 3

4 The Investment K e y dat e s: NISA Transfer Date: 17 July 2015 Closing Date: 28 July 2015 Start Date: 31 July 2015 Maturity Date: 02 Aug 2021 Repayment Date: 16 Aug 2021 This is a Royal Bank of Canada (RBC) / Reyker structured product, with returns related to the performance of the FTSE 100. It is intended to be a 6-year investment with potential to end early. You might seek growth from an accumulation fund, however, unlike most funds this plan offers some protection against falls in the stock market as well as offering contractual returns that are dependent on market performance, rather than individual managers. O u r service Reyker designed this plan; we administer it and we register your investment in our group safe custody facility. You will receive excellent service from Reyker throughout the plan s life. G r o w t h Your investment has the potential to achieve 10% growth for every 1% the index has risen, subject to a 70% cap on growth, in exchange for lending your money to RBC for 6 years. At maturity, your growth depends on the index not falling below its starting level. At maturity there will be no growth from an individual plan if the index is at or below its starting level. R i s k This is a capital at risk plan and risks are described on page We have also summarised above that growth depends on the performance of the index linked to this plan. You must satisfy yourself about the balance of risk and potential rewards. Please ask your expert financial adviser who will be able to help you. 4

5 Term Sheet - FTSE 100 Supertracker Plan J u ly 2015 Product type Structured product growth plan. The growth from this plan is linked to the performance of the FTSE 100 index. The maximum amount of growth you can receive is 70% of your starting investment. Investment term 6 years Counterparty Royal Bank of Canada (AA- by S&P, Aa3 by Moody's, AA by Fitch) Protection 60% European barrier Underlying indices FTSE 100 ISIN codes XS Potential growth This plan has the potential for 10% growth for every 1% the index has risen at maturity. Your potential growth is capped at 70%. When will I receive growth? You will receive growth at maturity if the index is above its starting level. We expect to receive a bulk payment from the bank and transfer this payment straight into your Reyker account within 5 business days of the repayment date. What happens at maturity? There are three main possible outcomes at maturity: The index is above its starting level; you will receive your capital in full as well as a growth payment. The index is at the starting level or hasn't fallen by more than 40% from its starting level; you will receive back your invested capital but no growth payment. The index has fallen by more than 40% from its starting level; if this happens you will lose capital equal to the percentage fall in the index. How can I hold this? Direct, Stocks & Shares NISA (new & transfers), SIPPs/SSAS, Corporate, Charities and Trusts How is this taxed? Capital gains tax may be applicable. Tax treatment depends on individual circumstances and is subject to change; you will need to seek independent tax advice for further information. FSCS protection This may apply to money we hold for you as custodian, up to 85,000 per investor per eligible banking group, but will not be available for invested client assets. Please see for more information about the scheme. 5

6 Your Market View This plan is designed for people who have a particular view about how the index is likely to perform in the future. The plan is aimed at investors who have a bullish view on the index over the next six years and desire some protection if the index performs negatively. Bullish The index rises over the term of the investment. % change in index Neutral The index is close to its starting level over the term of the investment. Volatile The index may rise and fall throughout the life of the plan. Bearish The index falls over the term of the investment. Start date Maturity date Y o u r market view and the out c o m e of this plan Bullish At maturity, if the index has risen above its starting level you will receive a growth payment as well as your initial capital in full. The returns are capped, so you will not receive any benefit of the index rising above the capping point. Volatile The index rises and falls throughout the investment term. Our plan monitoring service provides financial advisers with the opportunity to review their client's holdings if their view on the index has changed. Your adviser can subscribe to this service by contacting our Markets & Investments Team on Neutral At maturity, if the index is at its starting level you will receive your initial capital in full but no growth payment. Bearish At maturity, if the index has fallen by more than 40% from its starting level you will lose some or all of your initial capital. The plan in this brochure may be suited to these market views. Advisers should take advantage of our Plan Monitoring Service to potentially avoid capped growth, capital loss or the possibility of capital locked in with no growth. The plan in this brochure is not suited to these market views. 6

7 Investment Comparison This product Tracker fund Corporate bond Fixed term deposit Equity fund Liquidity Weekly Intra-day X Market dependent return X Couterparty risk X X Protection against market risk X Return of principal at maturity X Active management FSCS protection* Ask about plan monitoring X X X X X X X (Up to 85,000) Fixed term X X Capped returns X X *Client money is protected Investment Outcomes P ot e n t i a l out c o m e s Capped growth payment The plan pays a maximum capped growth payment at the end of the term and returns your capital in full. W h at has t o happen? At maturity the index has risen by 7.0% or more,the plan pays out capped growth of 70%. Uncapped growth payment The plan pays a growth payment at the end of the term and returns your capital in full. At the final maturity date the index has risen above its starting level but hasn't risen more than 7.0% from its starting level. Risk of no growth The plan returns your capital in full but no growth payment. The index is at or below its starting level at maturity, but has not fallen by more than 40%. Risk of capital loss The plan returns a capital loss at maturity. You lose capital in line with the percentage fall in the index. At the maturity date the index has fallen by more than 40% from its starting level. 7

8 Underlying Index FTSE 100 The FTSE 100 is the UK s most recognised stock market index and it consists of the 100 largest UK-listed blue chip companies, including well-known brands such as Marks & Spencer, Land Securities, BP, Vodafone, Royal Dutch Shell and Prudential. 8

9 Investor Profile Are you seeking growth? You should be looking to increase the value of your capital rather than receive income payments. Do you understand the features of the investment? You should make sure you understand how the product growth and return of capital is determined. At maturity, are you confident that the index will not be at or below its starting level? If the index is at or below its starting level at maturity you will receive no growth. Are you comfortable with the capital protection barrier? You should have the view that the index will not have fallen by more than 40% at maturity. If it does fall more than 40%, you will lose some or all of your capital. The index is only measured at the start date and at maturity, which means that volatility in between this period has no bearing on the maturity outcome. If you were to sell the plan before the maturity date however, you must be aware that the level of the index at that time will have a bearing on the redemption price. Are you willing to put capital at risk in order to achieve a higher rate of interest? By investing this plan, you are putting your capital at risk. You will lose some or all of your capital if the index has fallen by more than 40% at maturity and/or the counterparty bank, RBC, defaults. By investing in a capital at risk product, you may achieve higher rate return than, for example, a bank deposit or bond. 9

10 Counterparty and Market Our experienced Markets and Investment Team is headed by Dr James Chu who has 20 years experience with structured products. Here, Dr Chu explains our choice of counterparty and how our added value plan monitoring service can help you manage your investments: T h e c o u n t e r pa r t y bank "For this plan we have chosen Canada's largest bank, Royal Bank of Canada, which enjoys an excellent S&P AA- rating and a reputation for prudence and regulatory compliance. The bank is a respected international business, one of the top 15 largest globally by market capitalisation (source: Bloomberg 01/05/2015) with a strong presence in the UK. Well diversified earnings suggest stability. The high credit rating means RBC stands out from the crowd in the structured product market.* It's important to choose a strong bank with a good outlook, as one of the risks of investing in a structured product is the bank needs to stay in business until maturity. This is called counterparty risk. Although we can't predict the future, Reyker only works with banks that we feel will be here for the long term and this is our view of RBC." P l a n monit o r i n g "Although structured products are a long term investment, designed to last for several years, that doesn't mean we should not monitor it, as market conditions can change and so can the risks. Our approach is unique in the industry: we monitor our plans regularly and provide advisers with an optional service; including guidance or forewarning if we feel that it might be wise to consider selling an investment early. Although this is not the same as 'active management', as you might find with a fund, it's certainly active consideration of what is happening to your investment. Advisers can apply for this service by ing the Markets and Investments Team at investments@reyker.com. Armed with this information it's still up to your expert financial adviser to discuss with you the best thing to do and instruct us accordingly, and we're always here to help. So why might we suggest re-evaluating your investment? For instance, interest rates may rise sharply, leading to other investment opportunities that might offer better returns, or unforeseen events might affect the bank leading us to be less happy with its long term future, or if we see market and price volatility, or barrier breaches during the term of the plan, then we may suggest you think about selling to seek protection for your capital." 10 * True as at 01/05/2015. Further information available upon request.

11 F l e x i b i l i t y Your circumstances as well as market conditions may change and we take this into consideration from the very beginning; working with the counterparty bank to give you the opportunity to sell your investment via the secondary market. This means you have a weekly opportunity to sell the investment before the maturity date. The amount you may receive is affected by different factors and can be less than the original capital you invested. Typically the amount you get back will be higher if the underlying index has gone up and vice versa. A rise in interest rates generally reduces the amount that you may get back. These factors may offset each other as well. In order to help you keep track of the market value of your investment, we publish monthly indicative prices on our website. If you decide to sell your investment early after consulting with your adviser, you can use the form that is available on our website or inform us in writing. The written instructions must be received by us at least 2 business days before our dealing date, which is Wednesday every week (or the next business day if that is a public holiday). Early redemptions will be charged at 0.5%, subject to a minimum charge of 150 per plan. Charges may change during the life of the plan and will be reflected in the latest published Terms and Conditions of Business. These will always be available on our website. 11

12 Risk Factors All investments carry risk. Prior to investing you need to make sure you fully understand the risks you are taking and accept the level of risk offered by this plan. C o u n t e r pa r t y risk Your money is being used as a form of loan, via Reyker as promoter and custodian, to the counterparty bank in exchange for the returns offered by this structured product. The bank is legally committed to honour the terms of the plan. It is possible that the counterparty may go bankrupt or default on their payment. If this does occur you may lose some or all of your investment. You may not be able to claim back this investment through the Financial Services Compensation Scheme. M a r k e t risk The performance of this plan is linked to the level of the underlying index on the maturity date. Stock market index performance may be volatile and subject to unpredictable changes over the investment term. The value of your investment is affected by movements in the stock market price and may result in you not receiving any growth payments, and/or the loss of some or all of your capital. Your investment does not directly invest in the underlying index. You are not eligible for dividends or any voting rights. L i q u i d i t y risk You should be prepared to hold this plan until maturity. The counterparty will, however, use its reasonable endeavours to provide a secondary market but is not obliged to do so and may stop providing such a market at any time without notice. Reyker has no control over this market: we act as your settlement agent. M a r k e t Disruption Events It is possible that a market disruption event might occur, such as trading disruption, changes to the index, changes to index providers or changes in tax legislation. In these circumstances, the counterparty has the right to determine whether any adjustments to the terms of the plan are required. These adjustments may include, but are not limited to: adjustments to the opening or final levels of the assets, postponing measurement dates and substitution of assets. The counterparty is required to act in good faith when making these adjustments. 12

13 R e i n v e s t m e n t risk The risk that future growth or capital receipts from a plan cannot be reinvested at the interest rate prevailing when you originally invested. Reinvestment risk is more likely when interest rates are declining. I n f l at i o n risk The value of your initial capital and any returns you may receive are not linked to inflation. If inflation is high over the term of the product, your purchasing power may decrease and so the real return could be low or negative. T a x at i o n risk It is our understanding that any growth received from this plan may be subject to capital gains tax. It is also possible that current tax legislation may change during the life of the investment. Tax treatment depends on the individual circumstances of each client and is subject to change. Reyker does not provide tax advice and you should seek independent tax advice if in doubt. Further information about tax in the UK is available from the government website; www. gov.uk. 13

14 T o A p p l y O n l i n e g o t o w w w.reyker.c o m/apply a n d select the product y o u wish t o apply for 14

15 How to Invest When you re ready to invest into a Reyker structured product, all you need to do is complete our online application. Our online application facility offers: Security and peace of mind Secure online payment facility Application tracking No paperwork Following your application you will be able to access our online portal to view your account documents, including statements and make future applications. Alternatively, if you would like to complete a paper application, a standard application can be found enclosed, additional forms such as NISA transfer forms, if not requested in print by your financial adviser in advance, can be downloaded from our website. You do not need to send us any form of identification unless we specifically request it, however, you must be made aware that we do complete electronic identity checks and other checks which may include anti money laundering procedures on all clients wishing to open an account. These checks may leave an electronic footprint but will not affect your credit score. 15

16 Our Service With more than 30 years of experience looking after investments, you can be certain you will experience personal service from the moment you make your application and throughout the lifetime of your investment. It is important for you to understand what happens when you invest and what you can expect from us. Application Submitted Once an application for investment has been accepted and funds received, we will send out an acknowledgement within 2 working days. Before Investing Account Information You will receive an notification with details of how to access our online portal. By logging in you will see a correspondence archive. If you have an adviser, they will also be able to view this information. Investment Information Within 10 working days of the start date, you will receive a contract note via our online portal. This document details the investment you have purchased. After Investing Additional Information You will receive a 6 monthly statement from us in April and October showing the value of your investment. In addition to this, we will keep your adviser informed of any major market changes which may affect your investment, such as changes to the underlying index or changes involving the counterparty. We will also keep your adviser informed of any additional investment opportunities that may be available. Maturity Information When your plan matures, we will inform you of this and confirm the capital to be returned. We will also let you and your adviser know about potential re-investment opportunities that you may consider rolling your investment into. Withdrawal payments are made within 3 working days of receiving cleared funds following the repayment date and your instructions. 16

17 Key Questions W h at should I do if I ha v e a c o m p l a i n t? Our professionally trained team are always available to answer any of your questions and provide you with any information you may require and we always try to resolve any issues you may have before a complaint becomes necessary. However, in the unlikely event that you wish to complain about this plan or our service you can write to: The Compliance Office, Reyker, 17 Moorgate, London, EC2R 6AR or compliance@reyker.com. Our complaints procedure is available on our website or on request. If you are not happy with our response you may contact the Financial Ombudsman Service at Exchange Tower, London E14 9SR. Alternatively you can call W h at happens if I change my mind? In line with FCA regulations, we give you the opportunity to cancel your investment within 14 days of receiving an accepted application and cleared funds. You can cancel your application up until the start date of the investment and your initial capital will be returned in full. After this date, you will be exposed to secondary market price movements. The cancellation form can be found on our website in our 'Document Centre'. It is your responsibility to obtain any refund for fees and charges, where applicable, paid to your Financial Adviser in relation to your investment. W h e r e c a n I find the lat e s t T e r m s and C o n d i t i o n s of Business? The full and current version of our Terms and Conditions of Business can be found on our website in our Document Centre and are available in print on request. We also provide this document in a large print format. If you do not understand any of the terminology used, or the effect of any of the clauses, please discuss this with your financial adviser or contact us directly. You must read the terms before committing to an investment as when you use our services this is deemed acceptance of our Terms and Conditions of Business and you will be bound by them. 17

18 W h at are the charges? Your financial adviser will agree directly with you the cost of their advice. Reyker will not charge you anything to invest in this plan - our return and the cost of us providing safe custody, management, monitoring and general administration for 6 years is covered by the discounted price we pay for bulk buying the underlying note from the bank, this can be up to 2.5%. Biannual valuations are also free as long as you get them online via your secure internet account with us. We charge for paper statements and extra work such as probate valuations. Please refer to our Terms and Conditions of Business for further information. I n v e s t m e n t prospectus and back t e s t i n g You can obtain a copy of the prospectus in relation to this investment by visiting the 'Current Offers' section of our website. We do not publish historical backtesting for any of our plans as we feel that it can be misunderstood. Historical performance of an underlying asset does not indicate future performance, especially when this history includes a deep recession. If you would like to request backtesting, please get in touch with our markets and investments team on

19 Application form Direct/ Stocks & Shares NISA - P l a n 104 -FTSE 100 Supertracker plan J u ly 2015 This completed application should be completed in BLACK ink and returned to Reyker, 17 Moorgate, London, EC2R 6AR 1. Deta i l s of investo r First Investor Title Surname First names Date of birth Permanent address Do you have a Reyker account number? (enter here) Joint Investor Title Surname First names Date of birth Permanent address Postcode Telephone address National insurance number Country of birth Postcode Telephone address National insurance number Country of birth Are you a US citizen? Yes No Are you resident in the UK for tax purposes? Yes No Are you resident in another country for tax purposes? Yes No If yes, please provide details of country(ies) and Tax references: Are you a US citizen? Yes No Are you resident in the UK for tax purposes? Yes No Are you resident in another country for tax purposes? Yes No If yes, please provide details of country(ies) and Tax references: 2. Investment deta i l s New investment Rollover investment Stocks & Shares 2015/2016 NISA Direct investment Existing NISA held by Reyker Direct investment Total investment (min. 5,000) 3. A d v i s e r charging Total investment (as above) Financial adviser charges Total amount payable Amount Please send your payment for the total amount payable to: Account Name: Reyker Securities plc Account Number: Sort Code: Payments should be sent with your name as a reference. Please make cheques payable to 'Reyker Securities plc Client A/C re Reyker Financial Products'. 4. Charita b l e giving For every application made into a Reyker structured product, we make a donation to our chosen charities. If you would like to make an additional donation you may do so using this form. There is no requirement for you to donate and donations will not effect your investment. 100% of your donation will be donated to Friends of the Elderly (226064) and Jump Childrens Charity ( ). I wish to donate: (your donation should be made in addition to your total investment and financial adviser charges) Yes, please claim Gift Aid on my donation. I confirm I have paid or will have paid an amount of Income Tax, and/or Capital Gains Tax for the current year (6th April to 5th April) that is at least equal to the amount of tax that all the charities and Community Amateur Sports Clubs (CASC's) that I donate to will reclaim on my gifts for the current year. I understand that other taxes such as VAT and Council Tax do not qualify. No, please do not claim Gift Aid on my donation Reyker Securities plc - 17 Moorgate London EC2R 6AR - Company Ref Authorised and regulated by the Financial Conduct Authority

20 Application form Direct/ Stocks & Shares NISA - P l a n 104 -FTSE 100 supertracker plan july Bank deta i l s Account holder name Sort code Account number Roll number (if applicable) 6. A p p r o p r i at e n e s s Have you received a personal recommendation from an adviser to invest in this product? Yes No If Yes please have your adviser complete the relevant part of this application form. If No please fill in and return an Appropriateness Form which can be sent to your on request or downloaded from our website. 7. Investo r declarat i o n & a u t h o r i t y Applicable to all NISA applicants, I declare that: All subscriptions made belong to me; I am over the age of 18; I have not subscribed and will not subscribe more than the 15,240 allowed to a Cash NISA and/or any Stocks and Shares NISA for the 2015/16 tax year; I have not subscribed and will not subscribe to another Cash NISA and/or any Stocks and Shares NISA the same tax year; I am resident and ordinarily resident in the United Kingdom for tax purposes or, if not so resident, either perform duties which, by virtue of Section 28 of the Income Tax (Earnings & Pensions) Act 2003 (Crown employees serving overseas), are treated as being performed in the United Kingdom, or I am married to or in a civil partnership with a person who performs such duties; I will inform Reyker Securities plc if I cease to be so resident and ordinarily resident or to perform such duties or be married to or in a civil partnership with a person who performs such duties. I authorise Reyker Securities plc: To make on my behalf any claims to relief from tax in respect of NISA investments; If I am transferring an existing NISA, to invest my cash subscriptions on the first available date after receipt of all cleared funds from my existing custodian as specified but in any event no later than the start date. All investments I have read and understand the brochure, and in particular the risk factors on page 12-13, and the Terms & Conditions of Business (which can be found on our website under the Document Centre, and agree to be bound as a party to the Terms & Conditions of Business. Please tick the box if you do not want to receive any information regarding offers or promotions from Reyker. (If you have signed up for online statements, we will still have to contact you via regarding your online account). I wish to opt for my half-yearly statements to be sent by post at a cost of 10 per statement. Please note that you will have been deemed to have opted for this if you do not supply us with a valid address in Section 1. Charges may change throughout the lifetime of the plan and the latest charges can be found in our latest Terms and Conditions of Business. I declare that this application form has been completed to the best of my knowledge and belief. Risk warnings Early encashment may lead to some loss of capital. Investors should be aware that the value of the basket and the underlying securities can fall as well as rise and that past performance is not an indication of future performance. The extent and value of any tax advantages or benefits arising from the use of tax-advantaged services such as NISAs will vary according to the individual s circumstances. Investor signature Date Joint applicant signature Date 8. For financial adviser c o m p l e t i o n Where I have provided the applicant with investment advice in relation to this investment I confirm that I have assessed the suitability of this product in relation to the applicants circumstances and investment objects or where conducting business on an execution only basis have found the investment to be appropriate for the applicant. I agree to the Intermediary Terms of Business (as made available on the document centre of Reyker s website) and have carried out all Customer Due Diligence and suitability checks on the applicant in accordance with the Intermediary Terms of Business. Adviser name Firm name Telephone Company address Account holder name Account number Sort code Roll number (if applicable) Adviser signature Postcode FCA number Date 20 Reyker Securities plc - 17 Moorgate London EC2R 6AR - Company Ref Authorised and regulated by the Financial Conduct Authority

21 Contact Us Reyker is proud to offer quality investment products with personal and professional service. We understand the trust you ve placed in us to hold your investment and we take great care to keep your money safe. As a full service financial institution, we don't outsource any aspect of our service. We don't use call centres and our team are based in the City of London meaning we can confidently answer any enquiries you have at any time. S i l k e Kessel Director of Client Services "The team are dedicated to providing you with a professional service throughout the life of your investment. If you have any questions regarding account correspondence or your application we can help you with any of your queries." us via clientservices@reyker.com Call us on

22 The Reyker Artist Programme A glimpse into an international artist's journey After initially studying Art at A Level, Caia Matheson knew she loved the subject. However, considering her long term aspirations, at a young age Caia didn t consider it as a career as she assumed it wouldn t be able to provide a living. She went on to work for a fashion label creating clothes, shoes and bags from scratch giving her a great foundation in a creative industry before going travelling in her early 20s. Then came an epiphany! What s the worst thing that could happen? It was the thought of being old and miserable. So really it was the fear of being old and miserable that made me think sod it, and so I though I d at least give it a try. This is when her real journey into the Art world began. Doing a BTEC at 23 and experimenting in everything from sculpture to drawing, she decided that painting was her favoured medium as it challenged her the most. For her, trying to make something stand out on a flat surface with paint was really difficult and the challenge was enjoyable. She found her own version of a studio in the form of an old warehouse building with four floors and moved in with two friends who were photographers. By working all weekend she was able to afford using weekdays to work on her painting skills. Caia continued for the next 3 years and commented, I felt a lot more comfortable with what I was doing and where I was going. When I asked about her technique and inspiration she states she that she uses traditional techniques of duck cotton canvases and rabbit skin glue to prime them with. From then on she starts with colour, working on her knees with a sponge, layering the colour and making movements. In terms of inspiration Caia gets hers from narratives, usually listening to audio books, stories or radio plays whilst she works. Sometimes a sentence jumps out at me and creates an image which is then what drives her work. When working for 8-9 hours a day music can be quite invasive whereas words aren t. John Wyndham s, The Day of the Triffids, was one particular from which she was inspired to create two large, 1 ½ metre squared, dark and abstract pieces. Continuing with the theme of novels and narrative, one of the achievements Caia is most proud of is that the author, Neil Gaiman, chose her painting Forest Fire for his August story in the set of short stories called The Calendar of Tales. As well as this, she is always happy to donate her pieces to charity and has previously donated to the Japan Tsunami Relief Fund. Most recently Caia has donated a piece of work to the Bright Open Air Theatre for an auction to raise money for the publically funded cause. Plans for 2015? Creating more and more work! I like to have at least 20 finished pieces ready to exhibit so I need to work to build this up as I m always a little anxious I am running out! If you are interested in any of Caia s work or would like more information feel free to contact us at marketing@reyker.com. And in the words of Caia you only have one life so you at least have to try and it seems all of her efforts have definitely paid off. Kirsty Price To contact Caia or view more of her work, head to her website: Kirsty Price If you know anyone who would like to be a part of our programme, they can submit their contact details and samples of their work to: marketing@reyker.com. 22

23 Stay in Touch Whether it s investor resources, stock information or the latest market news, we like to keep our clients and advisers up to date with the latest information from Reyker. We d love to see you on any of our online channels. w w w.reyker.c o m Our website has everything investors and advisers need to know about Reyker, our products and our services. S e a r c h: Reykersecurities Subscribe today to watch our educational videos and weekly stock Get the latest Reyker updates as soon as they happen by following us on twitter. L i n k e din Connect with the Reyker team by following our company page on LinkedIn 23

24 Telephone: Reyker Securities plc Company Reg. No Reyker Financial Products Company Reg. No London Stock Exchange Member 780 Reyker Securities plc is authorised and regulated by the Financial Conduct Authority No