STRUCTURED INVESTMENT Plan G401 FTSE 100 Defensive Supertracker Plan MAY 2017 6 year investment Linked to the FTSE 100 50% potential growth at maturity Growth calculated from 90% of the starting level 60% European capital protection barrier Royal Bank of Canada Secondary market service Plan G401 Growth Product This is a marketing brochure for professionally advised investors. The brochure is not investment advice from either Reyker or the counterparty, and must not be construed as such by advisers or investors. Capital is at risk and subject to counterparty risk
Why You Should Invest What is this investment? This is a 6 year structured investment, linked to the FTSE 100. The counterparty bank behind this is the Royal Bank of Canada (RBC). What return do I get? At maturity, you will get 3 times the percentage rise of the FTSE 100 from 90% of the starting level. Any potential growth is capped at 50%. Why is this plan defensive? What does that mean? This is jargon to describe the return feature of this investment. It is called defensive because the FTSE 100 does not need to be above its starting level for any potential growth to be returned. Instead, any potential growth is calculated from 90% of the starting level. What is a European capital protection barrier? This is bank jargon to describe the capital protection feature of this plan. At maturity, if the FTSE 100 has not fallen by more than 40% from its starting level, your capital will be protected. 2
Technical Specification Plan G401 FTSE 100 Defensive Supertracker Plan May 2017 Product Type Structured investment which delivers a potential growth payment at maturity, capped at 50%. Closing Date 11 May 2017 - This is the last date where applications can be received. Start Date Maturity Date 15 May 2017 - The starting level of the FTSE 100 will be measured at market close on this date. 15 May 2023 - The final level of the FTSE 100 will be measured at market close on this date. Investment Term 6 years. Counterparty Bank Royal Bank of Canada (AA- by S&P, Aa3 by Moody s, AA by Fitch). Capital Protection 60% European barrier - measured at maturity. Underlying Index FTSE 100. Potential Growth At Maturity What Happens At Maturity? The potential growth payment will be calculated by multiplying by 3 any percentage rise in the FTSE 100 from 90% of its starting level. This growth payment is capped at 50% (please refer to page 4). There are three possible outcomes at market close on the maturity date: If the FTSE 100 is above 90% of its starting level, you will receive your initial invested capital as well as a growth payment If the FTSE 100 is at or below 90% of its starting level but has not fallen below 60% of its starting level, you will receive your initial invested capital but no growth payment If the FTSE 100 has fallen below 60% of its starting level, you will lose a proportion of initial capital equal to the percentage point fall in the FTSE 100 and you will receive no growth payment. How Can I Hold This? How Is This Taxed? Risk Warning FSCS Protection ISIN Code Direct, Stocks & Shares ISA (new or transfer in), SIPPs/SSAS, Corporate, Charities and Trusts. Capital gains tax may be applicable. Tax treatment depends on individual circumstances and is subject to change, please seek independent tax advice for further information. By investing in this plan you are placing your capital at risk, please visit our website for details of the main risks involved with structured products. You may lose all of your invested capital and yield if the Royal Bank of Canada defaults. This plan offers no FSCS protection except when Reyker holds client money pre-investment and at maturity. For more information please see the frequently asked questions on our website, or visit www.fscs.org.uk. XS1578042274 3
How growth is calculated Any potential growth from this plan is calculated at market close on the maturity date. This is determined by multiplying by 3 the percentage rise of the FTSE 100 from 90% of its starting level, subject to a maximum growth payment of 50%.The table below provides an example of this calculation. We have illustrated this calculation of the growth payment with a hypothetical 5% rise in the FTSE 100. After six years the FTSE 100 has risen by 5% and finishes at 105% of its starting level Any growth is calculated from 90% of the starting level, in this example there is a 15% difference This difference is then multiplied by 3 to calculate your growth payment, therefore 15% x 3 = 45% In such a case, your growth payment would be 45% Any growth payment is capped at 50%. The table below shows how much capital and growth would be returned at maturity using an example 10,000 investment: Index Performance (%) (Calculated at maturity only) Growth (%) Growth ( ) Capital Returned ( ) Total Return ( ) +10% 50% (capped) 5,000 10,000 15,000 +6.667% 50% 5,000 10,000 15,000 +5% 45% 4,500 10,000 14,500 0% 30% 3,000 10,000 13,000-40% 0% 0 10,000 10,000-50% 0% 0 5,000 5,000 This Investment COUNTERPARTY BANK ROYAL BANK OF CANADA FTSE 100 The counterparty bank backing the return of this investment is the Royal Bank of Canada (RBC) RBC is one of Canada s largest banks by market capitalisation (source: www.rbc.com, April 2017) RBC is currently rated AA- by S&P, Aa3 by Moody s, AA by Fitch (source: www.rbc.com, April 2017). INDEX Consists of the 100 largest UKlisted blue chip companies Comprised of large global companies, not just UK based More information can be found on the index at www.ftse.com. 4
Target Market As an advised investor you will be looking for a growth investment through exposure to the UK stock market as part of a diversified portfolio. This product is targeted at long-term investors who have a view that the FTSE 100 will rise over the investment term. This plan has a defensive feature where any growth is calculated from 90% of the starting level at maturity, offering some protection for any potential growth if the market falls. This is a six year investment and therefore you should not need access to your capital for this period of time. However we do offer the opportunity for you to sell this investment early should circumstances change or if it appears profitable to do so. Investor Needs This product is targeted at professionally advised investors and the information provided in this brochure is not investment advice or a recommendation. In addition, by agreeing that you are part of the target market, you and your adviser should consider whether this plan fits your investor profile. The kind of investor that this product has been designed for should answer yes to the following questions: Are you seeking growth rather than income? Have you recieved professional investment advice? Are you comfortable with the 6 year term? Are you comfortable with the capital protection barrier? Are you willing and can you afford to put your capital at risk in order to achieve a higher rate of return than a bank deposit? Have you read and understood the risk factors detailed on our website? We are with you every step of the way. Speak directly with our experts 5
What Will I Be Charged? Reyker will not charge you to invest in our plans. If you invest 10,000, the full amount will be invested and any yield/return you get will be based on this amount. The costs of us manufacturing this product, plus provision of safe custody, management and administration for the full term are covered by the discounted price that we pay for the bulk purchase of the product from the counterparty bank. A small percentage of this will be retained as profit. You may be charged other ad-hoc administrative fees, and details of this can be found in our Standard Tariff of Fees and Charges on our website in the document centre or on our Frequently Asked Questions page. Are There Any Risks? Yes, like any investment there is always risk. This is why you should familiarise yourself with the main risks of investing in structured products. Among all of these risks, we believe the most important ones you should consider are: 1 That the FTSE 100 will not perform as you expect it to. This could put both your return and capital at risk 2 RBC goes bankrupt and does not pay out. We would not recommend a plan issued by a bank that is currently at a high risk of failure, however circumstances may change and this is why we provide a plan monitoring service to our clients 3 At the time of writing, UK inflation for the twelve months ending March 2017 was 2.3% (source: Office for National Statistics, April 2017) and therefore investors should also consider the effects that rising inflation could have on the return of their investment. You Should Read There are three further documents that you should read on our website: 1 Frequently asked questions (this includes your right to cancel and what to do if you have a complaint) 2 Our terms and conditions of business 3 Additional guidance on risks and other generic information relating to structured products. You can find these documents at www.reyker.com/our-products/current-offers. You can also contact us if you wish to discuss back testing or stress testing of products, further information can be found on this in our FAQs. 6
Why You Should Choose Reyker We do everything in house No outsourcing We keep things simple We are open, honest and transparent Speak directly with our experts. PLAN MONITORING IN THE SECONDARY MARKET The main features of this service are: Monitoring of index levels Monitoring key barrier levels Monitoring potential redemption opportunities Providing guidance to advisers who have applied for this service. Advisers can apply for this service by emailing investments@reyker.com We are a diversified financial institution that has traded profitably for over 30 years 7
Plan G401 Growth Product Website: www.reyker.com Email us: sales@reyker.com Call us: 020 7397 2590 Bespoke Structured Products If you are looking to tailor a product to a specific need call us on 020 7397 2590 to discuss our bespoke structured product offering Real Asset Strategies Managed model portfolios for advised investors Introduce exposure to investment linked with real assets A component to diversify clients' overall wealth Targeting returns that beat inflation Available in SIPPs and ISAs - contact us for details Reyker Securities plc Company Reg. No 1747595 London Stock Exchange Member 780 Reyker Securities plc is authorised and regulated by the Financial Conduct Authority No 115308 Copyright Reyker 2017
Reyker Structured Products Application form Direct/ Stocks & Shares ISA This completed application should be completed in BLACK ink and returned to Reyker, 17 Moorgate, London, EC2R 6AR 1. Details of investor 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 Email address National insurance number Country of birth Postcode Telephone Email 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 details Please provide details of the plan you are looking to invest into (this can be found on the front cover of the product brochure) Plan Number Plan Name Stocks & Shares 2016/2017 ISA Stocks & Shares 2017/2018 ISA Direct Investment New investment Existing ISA held by Reyker Direct investment Rollover investment Total investment (min. 5,000) 3. Adviser 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: 4050 1833 Sort Code: 60 00 01 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. Bank details Account holder name Sort code Account number Roll number (if applicable) Reyker Securities plc - 17 Moorgate London EC2R 6AR - Company Ref 1747595 - Authorised and regulated by the Financial Conduct Authority 115308
Reyker Structured Products Application form Direct/ Stocks & Shares ISA 5. Financial Advice 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, we will be in contact to discuss your investment options further as we prefer all of our clients to receive advice before investing. 6. Investor declaration & authority Applicable to all ISA 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 20,000 allowed to a Cash ISA and/or any Stocks and Shares ISA for the 2017/2018 tax year; I have not subscribed and will not subscribe to another Cash ISA and/or any Stocks and Shares ISA 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 ISA investments; If I am transferring an existing ISA, 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. I have read and understand the risk product brochure, the risk factors and Terms & Conditions of Business (which can be found on our website under the Document Centre, www.reyker.com/document-centre/home) and agree to be bound as a party to the Terms & Conditions of Business. I can confirm that I have read and understood the market views and investor profile described in pages 6-7 of the brochure, and I understand and agree with (a) the market view required for the plan to generate the best outcome; and (b) my investment needs can be met with this plan. 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 email 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 e-mail 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 ISAs will vary according to the individual s circumstances. All investments Investor signature Date Joint applicant signature Date 7. For financial adviser completion 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 Email Company address Account holder name Account number Sort code Roll number (if applicable) Adviser signature Postcode FCA number Date Reyker Securities plc - 17 Moorgate London EC2R 6AR - Company Ref 1747595 - Authorised and regulated by the Financial Conduct Authority 115308