AMITY INTERNATIONAL FUND Amity International Fund seeks to invest in a portfolio of companies which...

Profit with Principles

GB0008449075SHARE CLASS B

OBJECTIVES AND INVESTMENT POLICY

The Fund aims to achieve long-term capital growth with a reasonable level of income through a diversified portfolio of international companies.

The Amity International Fund seeks to invest in a portfolio of companies which make a positive contribution to society and the environment through sustainable and socially responsible practices.

The Fund seeks to avoid investment in certain areas such as companies which have a material involvement in alcohol, tobacco and weapon production, gambling and publication of violent or explicit materials.

We do not currently intend to use derivatives for any purpose other than the efficient management of the Fund. Derivatives are financial instruments that can provide ways of benefiting from movements (up or down) in the price of underlying assets, such as stocks or bonds, without taking ownership of the assets themselves.

You may buy and sell shares on any day on which the London Stock Exchange is open for business.

Any income on the Fund will be paid out to you or you may choose to have it reinvested by purchasing additional shares.

The Fund may not be appropriate if you plan to withdraw your money within 5 years.

More information on the investment policy can be found in the full Prospectus which is available at www.edentreeim.com/literature

RISK AND REWARD PROFILE

KEY INVESTOR INFORMATION

AMITY INTERNATIONAL FUND

• The risk category above is not a measure of capital loss or gains, but of how significant the rises and falls in the Share Class price have been historically.

• For example a Share Class whose price has experienced significant rises and falls will be in a higher risk category, whereas a Share Class whose price has experienced less-significant rises and falls will be in a lower risk category.

• As the Share Class risk category has been calculated using historical data, it may not be a reliable indication of the Share Class future risk profile.

• Please note that the Share Class risk category may change in the future and is not guaranteed. The lowest risk category does not mean a risk-free investment.

• The Share Class is in risk category 5 as its price has experienced significant rises and falls historically.

What risks are associated with this fund?

• The value of your investment and the income you get from it may fall as well as rise and you could get back less than you put in. What you get back when you cash in your investment will depend on investment performance.

• Selecting stocks due to our ethical criteria means that the choice of stocks is limited to a subset of the stockmarket and this could lead to greater volatility.

• When investing in assets which are in currencies other than Sterling, exchange rate fluctuations can have a positive or negative impact on the value of your investment.

• Where Funds invest in some overseas markets, these investments may carry risks associated with failed or delayed settlement of market transactions and with the registration and custody of securities. Investment in emerging markets may involve a higher than average risk.

More details on all of the risks mentioned above can be found in the full Prospectus.

edentreeinvestment management

This document provides you with key investor information about this Fund. It is not marketing material. The information is required by law to help you understand the nature and the risks of investing in this Fund. You are advised to read it so you can make an informed decision about whether to invest.

This fund is a sub-fund of EdenTree Investment Funds, an open ended investment company managed by EdenTree Investment Management Limited as the Authorised Corporate Director.

Lower risk = Typically lower rewards

Higher risk = Typically higher rewards

1 2 3 4 5 6 7

Key Investor Information

CHARGES FOR THIS FUND

The charges you pay are used to cover the costs of running the Fund, including the costs of marketing and distributing it. These charges reduce the potential growth of your investment.

PAST PERFORMANCE

• The Fund was launched on 13 September 1999.• This Share Class was launched on 13 September 1999.• Performance figures are calculated in Sterling on a mid-

price basis and include net reinvested income. The calculation incorporates the annual management charge and all other Fund expenses but excludes the entry charge.

• The base currency of the Fund is Sterling.• Past performance is not a guide to future returns.

PRACTICAL INFORMATION

• Depositary: BNY Mellon Trust and Depositary (UK) Ltd.• The UK tax regime may have an impact on your personal

tax position.• You can check the latest prices for the Fund in the

Financial Times or on our website.• You are entitled to switch from this Fund to another Fund

on request, subject to a switching charge.• The authorised Fund Manager may be held liable

solely on the basis of any statement contained in this document that is misleading, inaccurate or inconsistent with the relevant parts of the Prospectus for the Fund.

• The Fund has its own specific portfolio of assets and liabilities. The assets of the Fund belong exclusively to that Fund and shall not be used to discharge the liabilities of, or claims against, any other person or body, including the Company or any other Fund, and shall not be available for such purpose.

• The following share classes are available for the Fund: Income.

Information on the Authorised Fund Manager’s current remuneration policy, including a description of how remuneration and benefits are calculated, the identity of persons responsible for awarding the remuneration and benefits, and the composition of the remuneration committee are available at www.edentreeim.com. Alternatively a paper copy is available free of charge on request.

For further details, or to receive a free copy in English of the full Prospectus and the latest Report and Accounts, please contact us at:

EdenTree Investment Management PO Box 3733, Swindon SN4 4BG Telephone 0800 358 3010 www.edentreeim.com

This Fund is authorised in the United Kingdom and regulated by the Financial Conduct Authority. EdenTree Investment Management Limited is authorised in the United Kingdom and regulated by the Financial Conduct Authority.

This key investor information is accurate as at 1 September 2017.

EdenTree Investment Management Limited (EIM) Reg. No. 2519319. Registered in England at Beaufort House, Brunswick Road, Gloucester GL1 1JZ UK. EIM is authorised and regulated by the Financial Conduct Authority and is a member of the Investment Association.

One-off charges taken before or after you invest

Entry charge 2%

Exit charge None

Charges taken from the Fund over a year

Ongoing charges 0.80%

Charges taken from the Fund under specific conditions

Performance fee None

This is the maximum that might be taken out of your money (before it is invested) (before the proceeds of your investment are paid out).

The entry charge shown is a maximum figure. In some cases you might pay less – you can find this out from your financial adviser or distributor.

The ongoing charges figure is based on expenses for the year ending 31 December 2016 . This figure may vary from year to year and excludes portfolio transaction costs.

If you switch Funds within the EdenTree Investment Management range you will be charged a maximum 1% entry charge on your new Fund.

For more information about charges, please see Appendix 1 of the Fund’s Prospectus, which is available at www.edentreeim.com/literature

Bar chart showing the year by year percentage growth of the Amity International Fund – Share Class B.

Amity International Fund – Share Class B

2016

25.3 26.5

18.8

11.8

4.3

16.7

24.4

-12.4

-2.6

-14.7

201520142007 2008 2009 2010 2011 2012 2013

-20%

-10%

0%

10%

20%

30%

© EdenTree 2017

Key Investor InformationThis document provides you with key investor information about this fund. Itis not marketing material. The information is required by law to help youunderstand the nature and the risks of investing in this fund. You are advisedto read it so you can make an informed decision about whether to invest.

F&C Responsible Global Equity FundShare Class: 2 Inc, a Fund of F&C Responsible Investment Funds ICVC (ISIN GB00B828PQ84)This Fund is managed by F&C Fund Management Ltd.

Objectives and investment policyThe objective is to provide capital growth.

The Manager seeks to achieve this by investing mainly in an ethicallyscreened and diversified spread of global equities (ordinary sharesin companies). The ethical screening applied to the Fund means thata number of the largest companies are screened out on ethicalgrounds.

While the Manager will invest mainly in equities, it may also investin other investments such as derivatives (an investment contractbetween the Fund and a counterparty the value of which is derivedfrom one or more underlying equities) to hedge positions or to gainexposure to companies to manage the portfolio efficiently.

Hedging is an investment technique that may be used to protect thevalue of the Fund from adverse price movements in equities orcurrencies other than the Fund's accounting currency, which issterling. The Fund does not normally hedge currency exposure.

Investment is concentrated in companies in any market whoseproducts and operations are considered to be making a positivecontribution to society and seeks to avoid companies which, onbalance, are felt to be harming the world, its people, or its wildlife.

Income is distributed half yearly.

There is no minimum holding period for this Fund.

You may buy or sell shares daily on demand (but not weekends orUK bank holidays or other days when the Fund is not open fordealing). Orders to buy or sell must be received by 12 noon (UK time)to receive the price calculated at that day's valuation point.

Risk and reward profileThe Risk and Reward Indicator table demonstrates where the Fundranks in terms of its potential risk and reward. The higher the rank thegreater the potential reward but the greater the risk of losing money. Itis based on past data, may change over time and may not be a reliableindication of the future risk profile of the Fund. The shaded area in thetable below shows the Fund’s ranking on the Risk and Reward Indicator.

Typically lower rewards,lower risk

Typically higher rewards,higher risk

1 2 3 4 5 6 7

Historical data may not be a reliable indicator of the Fund's future riskand reward profile. The risk category shown is not guaranteed and maychange over time. The lowest category does not mean 'risk free'. Thevalue of your investment may fall as well as rise.

The category is based on the rate at which the value of the investmentsheld by the Fund have moved up and down in the past.

The indicator does not adequately reflect the following risks of investingin particular assets, which may impact on future investment return:

Derivative Risk: derivative values rise and fall at a greater rate thanequities and debt instruments. Loses can be greater than the initialinvestment.

Liquidity Risk: the ability to buy and sell assets at a favourable pricemay be affected by a low level of counterparties willing to enter into atransaction with the Fund.

Ethical Screening Risk: the screening out of sectors or companies onethical grounds may mean the Fund is more sensitive to price swingsthan an equivalent unscreened fund.

Currency Risk: your investment may be adversely affected by changesin currency exchange rates.

Emerging Markets Risk: this Fund invests in emerging markets whichare less developed and have additional legal and political risks.

Page 1 of 2.

ChargesThe charges you pay are used to pay the costs of running the Fund,including the costs of marketing and distributing it. These chargesreduce the potential growth of your investment.

One-off charges taken before or after you investEntry charge 0.00%Exit charge 0.00%

These are the maximum charges that we might take out of your moneybefore it is invested and before we pay out the sale proceeds of yourinvestment. In some cases, you might pay less and you should speakto your financial adviser about this.

Charges taken from the Fund over a yearOngoing charges 0.82%

Charges taken from the Fund under specific conditionsPerformance fee NONE

The ongoing charges figure is based on the last year’s expenses andmay vary from year to year. It excludes the costs of buying or sellingassets for the Fund (unless these assets are shares of another fund).The ongoing charges figure is at 31/12/2016It excludes:• Performance fees• Portfolio transaction costs, except in the case of an entry/exit chargepaid by the UCITS when buying or selling units in another collectiveinvestment undertaking.For more information about charges, please see the section entitledFees and Expenses in the Fund's prospectus, which is available atwww.bmogam.com.

Past performance

0 2 4 6 8

10 12 14 16 18 20 22 24 26 28

2012

2013

2014

2015

2016

%

2012 2013 2014 2015 2016

Fund 26.3 8.0 9.3 23.2

Source: FE 2017

You should be aware that past performance is not a guide to futureperformance.Fund launch date: 13/10/1987.Share/unit class launch date: 13/09/2012.Performance is calculated in GBP.The chart shows how much the Fund increased or decreased in valueas a percentage in each year, net of charges (excluding entry charge),and net of tax.

Practical informationThis document is issued by F&C Fund Management Limited (trading name BMO Global Asset Management).Further information regarding the Fund including copies of the prospectus, annual and half yearly report and accounts can be obtained freeof charge from Retail Sales Support, BMO Global Asset Management, 80 George Street, Edinburgh, EH2 3BY, telephone: Sales Supporton 0800 085 0383, email: [email protected] or electronically at www.bmogam.com.The Fund is part of F&C Responsible Investment Funds ICVC. You may switch investment between other funds or share classes of F&CResponsible Investment Funds ICVC. An entry charge may apply. Details on switching are provided in the Fund's prospectus.The assets and liabilities are segregated by law between the different funds of F&C Responsible Investment Funds ICVC. This means thatthe Fund's assets are held separately from other funds. Your investment in the Fund will not be affected by any claims made against anyother fund in F&C Responsible Investment Funds ICVC.Details of the up to date renumeration policy including but not limited to a description of how remuneration and benefits are calculated willbe available on www.bmogam.com when and in so far as available.Other practical information, including the latest published price for the Fund is available on our website www.bmogam.com.The Depositary for the Fund is State Street Trustees Limited.The tax legislation of the United Kingdom may have an impact on your personal tax position depending on your country of residence.F&C Fund Management Limited may be held liable solely on the basis of any statement contained in this document that is misleading,inaccurate or inconsistent with the relevant parts of the prospectus for the Fund.

This Fund is authorised in the United Kingdom and regulated by the Financial Conduct Authority. F&C Fund Management Ltd isauthorised in the United Kingdom and regulated by the Financial Conduct Authority.This Key Investor Information is accurate as at 26/01/2017. GRGZ

Page 2 of 2.


F&C Responsible Sterling Bond FundShare Class: C Inc, a Fund of F&C Investment Funds ICVC II (ISIN GB00B4RB3Z95).This Fund is managed by F&C Fund Management Ltd.

Objectives and investment policyThe objective is to provide income.

The Manager seeks to achieve this by investing mainly in an ethicallyscreened and diversified spread of corporate bonds (securities thatpay either a fixed or variable level of income on a periodic basis andgenerally repay a specified amount at a pre-determined date) issuedby companies and other non-governmental organisations from themajor corporate bond markets. The Fund will adopt a rigorous creditmanagement process.

While the Manager will invest mainly in corporate bonds, it may alsoinvest in warrants, collective investment schemes, money marketinstruments and derivatives.

Derivatives (an investment contract between the Fund and acounterparty the value of which is derived from one or moreunderlying assets) may be used to increase, reduce, maintain andhedge the investment exposure of the Fund in addition to its efficientmanagement.

The ethical screening applied to the Fund means that a number ofthe largest companies are screened out on ethical grounds. As aresult, the Fund will usually include significant exposure to mediumand smaller companies.

The ethical screen seeks to identify corporate issuers which make apositive contribution to society and pays more attention to positivefactors when assessing potential investments.

In addition to investing in investment grade securities (typically thosewith an independently assessed credit worthiness rating of AAA downto BBB) the Fund may include exposure to high yield securities(typically those with a lower credit rating of BB and below or withouta credit rating).

Hedging is an investment technique that may be used to protect thevalue of the Fund from adverse price movements in bonds or incurrencies other than the Fund's accounting currency, which issterling. The Fund normally hedges currency exposure back tosterling.

Income is distributed six-monthly.






1 2 3 4 5 6 7




Credit Risk: receiving income or capital due from debt instruments isdependant on the provider's ability to pay.


Fixed Interest Securities Risk: changes in interest rates can affect thevalues of fixed interest holdings.


Page 1 of 2.







Past performance

-1 0 1 2 3 4 5 6 7 8 9

10 11

2012

2013

2014

2015

2016

%

2012 2013 2014 2015 2016

Fund -0.6 10.9 -0.4 9.1

Source: FE 2017


Practical informationThis document is issued by F&C Fund Management Limited (trading name BMO Global Asset Management).Further information regarding the Fund including copies of the prospectus, annual and half yearly report and accounts can be obtained freeof charge from Retail Sales Support, BMO Global Asset Management, 80 George Street, Edinburgh, EH2 3BY, telephone: Sales Supporton 0800 085 0383, email: [email protected] or electronically at www.bmogam.com.The Fund is part of F&C Investment Funds ICVC II. You may switch investment between other funds or share classes of F&C InvestmentFunds ICVC II. An entry charge may apply. Details on switching are provided in the Fund's prospectus.The assets and liabilities are segregated by law between the different funds of F&C Investment Funds ICVC II. This means that the Fund'sassets are held separately from other funds. Your investment in the Fund will not be affected by any claims made against any other fund inF&C Investment Funds ICVC II.Details of the up to date renumeration policy including but not limited to a description of how remuneration and benefits are calculated willbe available on www.bmogam.com when and in so far as available.Other practical information, including the latest published price for the Fund is available on our website www.bmogam.com.The Depositary for the Fund is State Street Trustees Limited.The tax legislation of the United Kingdom may have an impact on your personal tax position depending on your country of residence.F&C Fund Management Limited may be held liable solely on the basis of any statement contained in this document that is misleading,inaccurate or inconsistent with the relevant parts of the prospectus for the Fund.

This Fund is authorised in the United Kingdom and regulated by the Financial Conduct Authority. F&C Fund Management Ltd isauthorised in the United Kingdom and regulated by the Financial Conduct Authority.This Key Investor Information is accurate as at 26/01/2017. GRGR

Page 2 of 2.


F&C Responsible UK Income FundShare Class: 2 Inc, a Fund of F&C Responsible Investment Funds ICVC (ISIN GB0033144857).This Fund is managed by F&C Fund Management Ltd.

Objectives and investment policyThe objective is to provide income with the prospect of capital growth.

The Manager seeks to achieve this by investing mainly in an ethicallyscreened and diversified spread of UK equities (ordinary shares incompanies listed on the UK stock market) and consequently chargesare taken from capital and not income. The ethical screening appliedto the Fund means that a number of the UK's largest companies(those that form part of the FTSE 100 Index) are screened out onethical grounds. As a result, the Fund will usually include significantexposure to medium and smaller companies.

While the Manager will invest mainly in equities, it may also investin other investments such as corporate bonds (fixed interestsecurities issued by companies) and derivatives (an investmentcontract between the Fund and a counterparty the value of which isderived from one or more underlying equities) to gain exposure tocompanies to manage the portfolio efficiently.

Hedging is an investment technique that may be used to protect thevalue of the Fund from adverse price movements in equities.

Investment is concentrated in UK companies whose products andoperations are considered to be of long-term benefit to the communityboth at home and abroad, and will generally exclude thoseconsidered to be involved with harmful products and practices orwhich trade extensively with oppressive regimes.

Income is distributed quarterly.






1 2 3 4 5 6 7






Smaller Companies Risk: smaller companies carry a higher degree ofrisk and their value can be more sensitive to market movement.


Credit Risk: receiving income or capital due from debt instruments isdependant on the provider's ability to pay.

Yield Risk: the yield on the FTSE All-Share Index can fall and rise andis not guaranteed.

Charges from Capital Risk: taking the charges from the capital of theFund to increase the distributable income may impact on capital returns.

Page 1 of 2.







Past performance

-40 -35 -30 -25 -20 -15 -10

-5 0 5

10 15 20 25

2007

2008

2009

2010

2011

2012

2013

2014

2015

2016

%

2007 2008 2009 2010 2011 2012 2013 2014 2015 2016

Fund -2.4 -36.3 20.8 19.2 -1.9 18.5 24.6 3.1 11.4 4.4

Source: FE 2017


Practical informationThis document is issued by F&C Fund Management Limited (trading name BMO Global Asset Management).Further information regarding the Fund including copies of the prospectus, annual and half yearly report and accounts can be obtained freeof charge from Retail Sales Support, BMO Global Asset Management, 80 George Street, Edinburgh, EH2 3BY, telephone: Sales Supporton 0800 085 0383, email: [email protected] or electronically at www.bmogam.com.The Fund is part of F&C Responsible Investment Funds ICVC. You may switch investment between other funds or share classes of F&CResponsible Investment Funds ICVC. An entry charge may apply. Details on switching are provided in the Fund's prospectus.The assets and liabilities are segregated by law between the different funds of F&C Responsible Investment Funds ICVC. This means thatthe Fund's assets are held separately from other funds. Your investment in the Fund will not be affected by any claims made against anyother fund in F&C Responsible Investment Funds ICVC.Details of the up to date renumeration policy including but not limited to a description of how remuneration and benefits are calculated willbe available on www.bmogam.com when and in so far as available.Other practical information, including the latest published price for the Fund is available on our website www.bmogam.com.The Depositary for the Fund is State Street Trustees Limited.The tax legislation of the United Kingdom may have an impact on your personal tax position depending on your country of residence.F&C Fund Management Limited may be held liable solely on the basis of any statement contained in this document that is misleading,inaccurate or inconsistent with the relevant parts of the prospectus for the Fund.

This Fund is authorised in the United Kingdom and regulated by the Financial Conduct Authority. F&C Fund Management Ltd isauthorised in the United Kingdom and regulated by the Financial Conduct Authority.This Key Investor Information is accurate as at 13/03/2017. IO47

Page 2 of 2.

Non-UCITS retail scheme KeyInvestor InformationThis document provides you with key investor information about this fund. Itis not marketing material. The information is required by law to help youunderstand the nature and the risks of investing in this fund. You are advisedto read it so you can make an informed decision about whether to invest.

F&C UK Property Feeder FundShare Class: 2 Inc, (ISIN GB00BWZMHL49).This Fund is managed by F&C Fund Management Ltd.

Objectives and investment policyThe investment objective of the Fund is to provide income and capitalgrowth.

The Fund will invest all or substantially all of its assets in the sharesof the F&C UK Property Fund ICVC. To the extent that the Fund isnot fully invested in the F&C UK Property Fund ICVC the Fund willhold its remaining assets in cash. The F&C UK Property Fund ICVCis a property authorised investment fund which invests mainly in adiversified portfolio of commercial property.

Income is distributed half yearly.

There is no minimum holding period for this Fund. However, this Fundmay not be appropriate for investors who plan to withdraw their moneyin under five years.

You may buy or sell units daily on demand (but not weekends or UKbank holidays or other days when the Fund is not open for dealing).Orders to buy or sell must be received by 12 noon (UK time) to receivethe price calculated at that day's valuation point.

Risk and reward profileHistorical data may not be a reliable indicator of the Fund's future riskand reward profile. The value of your investment may fall as well as rise.

You need to be aware of the following risks before investing:

Property Risk: the value of such investments is likely to reflect valuationsof property assets as determined by professional valuers. Suchvaluations are the opinion of the valuer at a particular time, may not besupported by recent transactions and are liable to revision, up or down.

Fund Liquidity Risk: the ability of the Fund to meet redemptions withinnormal settlement terms depends on the readily realisable assets heldin the Fund. If properties have to be sold quickly this could result in lowerprices being obtained for them.


Restricted Diversification: investments are concentrated in directproperty in the UK. These investments are limited to a relatively narrowsegment of the economy. Performance may differ in direction and degreefrom that of the stock market.

Page 1 of 2.







Past performance

0

1

2

3

2012

2013

2014

2015

2016

%

2012 2013 2014 2015 2016

Fund 2.2

Source: FE 2017


Practical informationThis document is issued by F&C Fund Management Limited (trading name BMO Global Asset Management).The Trustee for the Fund is State Street Trustees Limited.You can obtain further information about the Fund, copies of the prospectus, annual report and accounts and half-yearly reports and accounts,free of charge, from Retail Sales Support, BMO Global Asset Management, 80 George Street, Edinburgh, EH2 3BU, telephone: SalesSupport on 0800 085 0383, email: sales. [email protected]. They are also available electronically at www.fandc.com. These documentsare each available in English.The Fund is a single fund authorised Unit Trust.Details of the up to date renumeration policy including but not limited to a description of how remuneration and benefits are calculated willbe available on www.bmogam.com when and in so far as available.Other practical information, including the latest published price, is available on our website www.bmogam.com.The tax legislation of the United Kingdom may have an impact upon your own personal tax position depending on your country of residence.F&C Fund Management Limited may be held liable solely on the basis of any statement contained in this document that is misleading,inaccurate or inconsistent with the relevant parts of the prospectus for the Fund.

This Fund is authorised in the United Kingdom and regulated by the Financial Conduct Authority. F&C Fund Management Ltd isauthorised in the United Kingdom and regulated by the Financial Conduct Authority.This Key Investor Information is accurate as at 26/01/2017. MQEY

Page 2 of 2.

A sub-fund of Henderson Global Care Funds, an OEIC managed by Henderson Investment Funds Limited.

Objectives and investment policyObjective

The Fund aims to achieve capital growth and any associated income.

The Fund invests in:

▪ Bonds and shares of companies in any industry and country that theinvestment manager considers to be environmentally andcommunity orientated.

The Fund may also invest in:

▪ Convertible and other fixed interest securities.

In choosing investments, the investment manager uses overall marketand economic research to identify the most promising industries andfocuses on companies with strong management, attractive valuationsand good growth potential.

The Fund may use derivatives to reduce risk or to manage the Fundmore efficiently.

Recommendation: this Fund may not be appropriate for investors whoplan to withdraw their money within 5 years.

This Fund is designed to be used only as one component in several ina diversified investment portfolio. Investors should consider carefullythe proportion of their portfolio invested into this Fund.

Fund currency GBP Share class currency GBP

Terms to understand

Bonds Securities that represent an obligation to repay a debt alongwith interest.

Shares / Equities Securities that represent fractional ownership ina company.

Volatility How sharply the Fund's share price has gone up and downover a period, generally several years.

Derivatives Financial instruments whose value is linked to the priceof an underlying asset (eg indices, rates, share prices).

You can buy, sell or switch shares in the Fund on any business day, asdefined within the “Definitions” Section of the Fund’s prospectus.

The Fund offers accumulation shares (shares in which net income isretained within the price) and income shares (shares in which netincome may be paid out to investors).

Risk and reward profile� Potentially lower reward Potentially higher reward �

� Lower risk Higher risk �

1 2 3 4 5 6 7

The value of an investment in the Fund can go up or down. When yousell your shares they may be worth less than you paid for them.

The risk/reward rating above is based on medium-term volatility. In thefuture, the Fund's actual volatility could be higher or lower and its ratedrisk/reward level could change.

The share class appears at 5 out of 7. Share classes in highercategories have shown greater and/or more frequent variations inshare price in the past 5 years than those in lower categories. Thelowest category does not mean risk free.

The rating does not reflect the possible effects of unusual marketconditions or large unpredictable events. Under normal marketconditions the following risks may apply:

Active management risk Active management techniques that haveworked well in normal market conditions could prove ineffective ordetrimental at other times.

Counterparty risk The Fund could lose money if a counterparty withwhich it trades becomes unwilling or unable to meet its obligations to theFund.

Derivatives risk Derivatives use exposes the Fund to risks different from,and potentially greater than, the risks associated with investing directly insecurities and may therefore result in additional loss, which could besignificantly greater than the cost of the derivative.

Equities risk Shares can lose value rapidly, and typically involve higherrisks than bonds or money market instruments. The value of yourinvestment may fall as a result.

Exchange rate risk Changes in currency exchange rates may cause thevalue of your investment and any income from it to rise or fall.

Hedging risk Measures designed to reduce the impact of certain risksmay not be available or may be ineffective.

Liquidity risk Any security could become hard to value or to sell at adesired time and price, increasing the risk of investment losses.

The full list of the Fund's risks are contained in the “Risk Factors”section of the Fund's prospectus.

HendersonKEYINVESTORINFORMATION This document provides you with Key InvestorInformation about this Fund. It is not marketing material. The information is required by law to help youunderstand the nature and the risks of investing in this Fund. You are advised to read it so you can makean informed decision about whether to invest.

GLOBAL CARE GROWTH FUNDClass I Inc ISIN: GB0005030043

ChargesThe charges you pay are used to pay the costs of running the Fund,including the costs of managing and distributing it. These chargesreduce the potential growth of your investment.

If you invest through a third party provider you are advised to consultthem directly as charges, performance and terms and conditions maydiffer materially to those shown in this document.

One-off charges taken before or after you invest*

Entry Charge 0.00%

Exit Charge 0.00%*** The charges shown are maximum figures. In some cases you may payless.** Subject to a charge of up to 3.00% where the Manager suspectsexcessive trading by an investor (and specifically on subscriptions held forless than 90 days).


Ongoing Charges 0.85%

The ongoing charges are based on last year's expenses for the yearending 31 March 2016. Ongoing charges may vary from year to year.

The figure for ongoing charges excludes portfolio transaction costs,except in the case of an initial charge paid by the Fund when buyingshares or units in another fund.

For more information about charges, please see the “Charges” sectionof the Fund's prospectus.

Past performance

-40%

-30%

-20%

-10%

0%

10%

20%

30%

40%

Per

form

ance

(%

)

2007 2008 2009 2010 2011 2012 2013 2014 2015 2016

16.1

-19.8

19.716.2

-10.9

8.5

32.4

12.0

3.9

21.8

YearThe Fund

The past performance is calculated in GBP.

The Fund and the share class were launched in July 1991.

Past performance is not a guide to future performance.

The past performance shown in the chart takes into account allcharges except entry charges.

Practical informationDepositary: National Westminster Bank Plc.

To obtain more information: This Key Investor Information Documentmay not contain all the information you need.

For the last published price of shares in the Fund, or to obtain theannual/semi-annual report, please visitwww.janushenderson.com. Documents are available free ofcharge in English and certain other languages. For a free copy ofthe Fund’s prospectus please contact the registered office of theFund at 201 Bishopsgate, London EC2M 3AE, UK or your localrepresentative office.

Tax: Investors should note that the tax legislation that applies to theFund may have an impact on the personal tax position of theirinvestment in the Fund.

Contact your adviser to discuss tax treatment, suitability of thisinvestment, and other questions.

Notices: Henderson Investment Funds Limited may be held liablesolely on the basis of any statement contained in this document that ismisleading, inaccurate or inconsistent with the relevant parts of theprospectus for the Fund.

The assets of each sub-fund are segregated, meaning that eachsub-fund is insulated from any losses or claims associated with theother sub-funds.

To place transaction orders: You can place orders to buy, sell orswitch shares of this Fund by contacting your advisor or distributor, or usdirectly at Janus Henderson Investors, PO BOX 9023, ChelmsfordCM99 2WB or by calling our Investor Services team on 0800 832 832.

Further information about dealing, other share classes of this Fundor other funds in this OEIC may be obtained by visitingwww.janushenderson.com or found in the Fund's prospectus.

The Fund is authorised in the UK and regulated by the FinancialConduct Authority (“FCA”). Henderson Investment Funds Limited isauthorised in the UK and regulated by the FCA.

The details of the up-to-date remuneration policy of the Manager areavailable at www.janushenderson.com. A paper copy of theremuneration policy will be made available free of charge uponrequest. These include a description of how pay and benefits areworked out and the people or committee members responsible forawarding them.

This Key Investor Information is accurate as at 30 May 2017.

A sub-fund of Henderson Global Care Funds, an OEIC managed by Henderson Investment Funds Limited.

Objectives and investment policyObjective

The Fund aims to provide income with the prospects of capital growth.

The Fund invests primarily in:

▪ Shares of UK companies that the investment manager considers tobe environmentally and socially orientated.

The Fund may also invest in:

▪ Share of companies outside of the UK that the investment managerconsiders to be environmentally and socially orientated.

In choosing investments, the investment manager looks for sharesand bonds that appear to have the potential for greater performanceover the long term and that meet the fund's environmental, social andethical investment criteria.

The Fund may use derivatives to reduce risk or to manage the Fundmore efficiently.

Recommendation: this Fund may not be appropriate for investors whoplan to withdraw their money within 5 years.

This Fund is designed to be used only as one component in several ina diversified investment portfolio. Investors should consider carefullythe proportion of their portfolio invested into this Fund.

Fund currency GBP Share class currency GBP

Terms to understand

Shares / Equities Securities that represent fractional ownership ina company.

Volatility How sharply the Fund's share price has gone up and downover a period, generally several years.

Derivatives Financial instruments whose value is linked to the priceof an underlying asset (eg indices, rates, share prices).

You can buy, sell or switch shares in the Fund on any business day, asdefined within the “Definitions” Section of the Fund’s prospectus.

The Fund offers accumulation shares (shares in which net income isretained within the price) and income shares (shares in which netincome may be paid out to investors).

Risk and reward profile� Potentially lower reward Potentially higher reward �

� Lower risk Higher risk �

1 2 3 4 5 6 7

The value of an investment in the Fund can go up or down. When yousell your shares they may be worth less than you paid for them.

The risk/reward rating above is based on medium-term volatility. In thefuture, the Fund's actual volatility could be higher or lower and its ratedrisk/reward level could change.

The share class appears at 5 out of 7. Share classes in highercategories have shown greater and/or more frequent variations inshare price in the past 5 years than those in lower categories. Thelowest category does not mean risk free.

The rating does not reflect the possible effects of unusual marketconditions or large unpredictable events. Under normal marketconditions the following risks may apply:

Active management risk Active management techniques that haveworked well in normal market conditions could prove ineffective ordetrimental at other times.

Counterparty risk The Fund could lose money if a counterparty withwhich it trades becomes unwilling or unable to meet its obligations to theFund.

Derivatives risk Derivatives use exposes the Fund to risks different from,and potentially greater than, the risks associated with investing directly insecurities and may therefore result in additional loss, which could besignificantly greater than the cost of the derivative.

Equities risk Shares can lose value rapidly, and typically involve higherrisks than bonds or money market instruments. The value of yourinvestment may fall as a result.

Hedging risk Measures designed to reduce the impact of certain risksmay not be available or may be ineffective.

Liquidity risk Any security could become hard to value or to sell at adesired time and price, increasing the risk of investment losses.

The full list of the Fund's risks are contained in the “Risk Factors”section of the Fund's prospectus.

HendersonKEYINVESTORINFORMATION This document provides you with Key InvestorInformation about this Fund. It is not marketing material. The information is required by law to help youunderstand the nature and the risks of investing in this Fund. You are advised to read it so you can makean informed decision about whether to invest.

GLOBAL CARE UK INCOMEClass I Inc ISIN: GB0005030373

ChargesThe charges you pay are used to pay the costs of running the Fund,including the costs of managing and distributing it. These chargesreduce the potential growth of your investment.

If you invest through a third party provider you are advised to consultthem directly as charges, performance and terms and conditions maydiffer materially to those shown in this document.

One-off charges taken before or after you invest*

Entry Charge 0.00%

Exit Charge 0.00%*** The charges shown are maximum figures. In some cases you may payless.** Subject to a charge of up to 3.00% where the Manager suspectsexcessive trading by an investor (and specifically on subscriptions held forless than 90 days).


Ongoing Charges 0.84%

The ongoing charges are based on last year's expenses for the yearending 31 March 2016. Ongoing charges may vary from year to year.

The figure for ongoing charges excludes portfolio transaction costs,except in the case of an initial charge paid by the Fund when buyingshares or units in another fund.

For more information about charges, please see the “Charges” sectionof the Fund's prospectus.

Past performance

-40%

-30%

-20%

-10%

0%

10%

20%

30%

40%

Per

form

ance

(%

)

2007 2008 2009 2010 2011 2012 2013 2014 2015 2016

-2.4

-34.3

21.1

15.2

-0.3

19.4

32.2

7.6 9.35.3

YearThe Fund

The past performance is calculated in GBP.

The Fund and the share class were launched in June 1995.


The past performance shown in the chart takes into account allcharges except entry charges.

Practical informationDepositary: National Westminster Bank Plc.

To obtain more information: This Key Investor Information Documentmay not contain all the information you need.

For the last published price of shares in the Fund, or to obtain theannual/semi-annual report, please visitwww.janushenderson.com. Documents are available free ofcharge in English and certain other languages. For a free copy ofthe Fund’s prospectus please contact the registered office of theFund at 201 Bishopsgate, London EC2M 3AE, UK or your localrepresentative office.

Tax: Investors should note that the tax legislation that applies to theFund may have an impact on the personal tax position of theirinvestment in the Fund.

Contact your adviser to discuss tax treatment, suitability of thisinvestment, and other questions.

Notices: Henderson Investment Funds Limited may be held liablesolely on the basis of any statement contained in this document that ismisleading, inaccurate or inconsistent with the relevant parts of theprospectus for the Fund.

The assets of each sub-fund are segregated, meaning that eachsub-fund is insulated from any losses or claims associated with theother sub-funds.

To place transaction orders: You can place orders to buy, sell orswitch shares of this Fund by contacting your advisor or distributor, or usdirectly at Janus Henderson Investors, PO BOX 9023, ChelmsfordCM99 2WB or by calling our Investor Services team on 0800 832 832.

Further information about dealing, other share classes of this Fundor other funds in this OEIC may be obtained by visitingwww.janushenderson.com or found in the Fund's prospectus.

The Fund is authorised in the UK and regulated by the FinancialConduct Authority (“FCA”). Henderson Investment Funds Limited isauthorised in the UK and regulated by the FCA.

The details of the up-to-date remuneration policy of the Manager areavailable at www.janushenderson.com. A paper copy of theremuneration policy will be made available free of charge uponrequest. These include a description of how pay and benefits areworked out and the people or committee members responsible forawarding them.

This Key Investor Information is accurate as at 30 May 2017.

KEY INVESTOR INFORMATIONThis document provides you with key investor information about this fund. It is not marketing material. Theinformation is required by law to help you understand the nature and the risks of investing in this fund. Youare advised to read it so you can make an informed decision about whether to invest.

Kames Ethical Cautious Managed Funda sub-fund of Kames Capital ICVCSterling Class B - Income shares (ISIN: GB00B7TCPG66)This fund is managed by Kames Capital plc.

Objectives and investment policyObjective: to provide a combination of long-term capital growth andincome.Policy: all investments will meet the Fund's ethical criteria. This meansthe Fund avoids investing in companies that it decides harm people,society, animals or the environment. Further details of the ethical criteriaare set out in the Prospectus at Appendix D.Up to 60% of the Fund will be invested in the shares of UK companies.The Fund is likely to invest in the shares of smaller companies becauseof its ethical criteria.The Fund also invests in investment grade (lower risk) bonds issued byUK companies and government bonds and may invest in high yield(higher risk) bonds.

Within its ethical criteria and the limits set out, the Fund is not restrictedby country or market sector. It may also hold a limited range of otherinvestments and it is not constrained by any benchmark or index.

Other informationYou can buy, sell or exchange the Fund's shares on any business day(see 'Dealing Day' in the Prospectus Definitions for more information).Income the Fund receives will be paid out every three months.It is expected that the Fund will be held as part of a diversified portfoliowhich may include other assets such as bonds, equities, property andcash.

Risk and reward profile

1 2 3 4 5 6 7

Lower risk / Higher risk /potentially lower rewards potentially higher rewards

The risk/reward profile shows the risk of investing in the Fund, based onthe rate at which its value has changed in the past. This Fund has theabove risk/reward rating because the prices of shares and bonds can beaffected by political or economic events, changes in exchange rates andchanges in interest rates.The Fund's category is not guaranteed and may change over time. It iscalculated using historical data, which may not be a reliable indication forthe future. Category 1 does not mean 'risk free'.Note: as there is less than 5 years performance data available (see PastPerformance section), the risk/reward profile is calculated usingsimulated historical data.The following risks, which are not, or are not fully, reflected in the risk/reward profile are also relevant to the Fund:Credit: An issuer of bonds may be unable to make payments due to theFund (known as a default). The value of bonds may fall as defaultbecomes more likely. Both default and expected default may cause theFund's value to fall. High yield bonds generally offer higher returnsbecause of their higher default risk and investment grade bondsgenerally offer lower returns because of their lower default risk.Liquidity: The Fund's value may fall if some investments, especially insmaller companies or high yield bonds, become more difficult to trade orvalue due to market conditions or a lack of supply and demand.

Interest Rate Risk: Bond values are affected by changes in interestrates. When interest rates rise, the value of the Fund is likely to fall.Full details of risks are disclosed in the section 'Risk Factors' in theProspectus.

ChargesThe charges you pay are used to pay the costs of running the Fund,including the costs of marketing and distributing it. These charges reducethe potential growth of your investment.


Entry charge 0.00%

Exit charge 0.00%This is the maximum that might be taken out of your money before it isinvested / before the proceeds of your investment are paid out.

Charges taken from the fund over a year


Charges taken from the fund under certain specific conditions


The entry and exit charges shown are the maximum figures, and in somecases you may pay less. You can find out specific charges which apply toyour investment by contacting your financial adviser, distributor, or bycontacting us using the details given in the Practical Information section.The ongoing charge is based on expenses for the year to 31 December2016. This figure may vary from year to year. It excludes any portfoliotransaction costs (except in the case of an entry/exit charge paid by theFund when buying and selling shares in another fund).Switches or Conversion: 1st 4 in any calendar year are free, and subjectto a charge of 1.5% on each transaction thereafter.More detailed information on charges can be found in the 'Fees andExpenses' section of the Prospectus.

Past performance

Sterling Class B (GB00B7TCPG66)

%

Past performance is not a guide to future performance.Fund launch date: 01 March 2007Share class launch date: 14 May 2013Performance is calculated in GBP.The past performance calculation does not take into account the entryand exit charges but does take into account the ongoing charge, asshown in the 'Charges' section.

Source: Lipper

Practical information

Kames Capital ICVC is a UCITS scheme structured as an umbrella company with various sub-funds, with segregated liability between sub-funds.This document describes one sub-fund of the UCITS; the Prospectus and the Report and Accounts are prepared for the entire UCITS.You can exchange your holdings into another share class of the Fund, or another sub-fund of the UCITS, at any time. More detailed information onexchanging can be found in the 'Buying, Redeeming, Switching and Conversion of Shares' section of the Prospectus.The assets and liabilities of the Fund are segregated by law. Accordingly, the assets of this Fund belong exclusively to it and may not be used to meetthe liabilities of, or claims against, any other fund within the Kames Capital ICVC. Any liability incurred on behalf of, or attributable to, the Fund shallbe discharged solely out of the assets of the Fund.The depositary is National Westminister Bank plc.The prices of shares will be published daily on our website (www.kamescapital.com).Further information about the Fund and copies of the Prospectus and the latest Annual and Semi-Annual Report and Accounts can be obtained, freeof charge, on our website (www.kamescapital.com) or by calling 0800 358 3009. These documents are available in English.You should be aware that tax legislation in the UK (where the Fund is authorised) may have an impact on your personal tax position.Kames Capital plc may be held liable solely on the basis of any statement contained in this document that is misleading, inaccurate or inconsistentwith the relevant parts of the Prospectus.Details of the up to date remuneration policy of Kames Capital plc (“the Company”) including but not limited to, a description of how remuneration andbenefits are calculated, the identity of persons responsible for awarding the remuneration and benefits, are available at www.kamescapital.com. Apaper copy will be available free of charge upon request at the registered office of the Company.

Kames Capital ICVC is authorised in the United Kingdom and regulated by the Financial Conduct Authority (FCA).This key investor information is accurate as at 15/02/2017.

KEY INVESTOR INFORMATIONThis document provides you with key investor information about this fund. It is not marketing material. Theinformation is required by law to help you understand the nature and the risks of investing in this fund. Youare advised to read it so you can make an informed decision about whether to invest.

Kames Ethical Corporate Bond Funda sub-fund of Kames Capital ICVCSterling Class B - Income shares (ISIN: GB00B0C4RP31)This fund is managed by Kames Capital plc.

Objectives and investment policyObjective: to provide a combination of capital growth and income.Policy: all investments will meet the Fund's ethical criteria. This meansthe Fund avoids investing in companies that it decides harm people,society, animals or the environment. Further details of the ethical criteriaare set out in the Prospectus at Appendix D.The Fund invests predominantly in sterling denominated investmentgrade (lower risk) bonds issued by companies or organisations.Up to 10% of the Fund may be invested in high yield (higher risk) bonds.Within its ethical criteria and the limits set out above, the Fund is notrestricted by market sector. It may also hold a limited range of otherinvestments and it is not constrained by any benchmark or index.

Other informationYou can buy, sell or exchange the Fund's shares on any business day(see 'Dealing Day' in the Prospectus Definitions for more information).Income the Fund receives will be paid out every three months.It is expected that the Fund will be held as part of a diversified portfoliowhich may include other assets such as bonds, equities, property andcash.


1 2 3 4 5 6 7

Lower risk / Higher risk /potentially lower rewards potentially higher rewards

The risk/reward profile shows the risk of investing in the Fund, based onthe rate at which its value has changed in the past. This Fund has theabove risk/reward rating because bond prices can be affected by politicalor economic events, changes in exchange rates, and changes in interestrates.The Fund's category is not guaranteed and may change over time. It iscalculated using historical data, which may not be a reliable indication forthe future. Category 1 does not mean 'risk free'.The following risks, which are not, or are not fully, reflected in the risk/reward profile are also relevant to the Fund:Credit: An issuer of bonds may be unable to make payments due to theFund (known as a default). The value of bonds may fall as defaultbecomes more likely. Both default and expected default may cause theFund's value to fall. High yield bonds generally offer higher returnsbecause of their higher default risk and investment grade bondsgenerally offer lower returns because of their lower default risk.Liquidity: The Fund's value may fall if bonds become more difficult totrade or value due to market conditions or a lack of supply and demand.This risk increases where the Fund invests in high yield bonds.

Interest Rate Risk: Bond values are affected by changes in interestrates. When interest rates rise, the value of the Fund is likely to fall.Full details of risks are disclosed in the section 'Risk Factors' in theProspectus.



Entry charge 0.00%






The entry and exit charges shown are the maximum figures, and in somecases you may pay less. You can find out specific charges which apply toyour investment by contacting your financial adviser, distributor, or bycontacting us using the details given in the Practical Information section.The ongoing charge is based on expenses for the year to 31 December2016. This figure may vary from year to year. It excludes any portfoliotransaction costs (except in the case of an entry/exit charge paid by theFund when buying and selling shares in another fund).Switches or Conversion: 1st 4 in any calendar year are free, and subjectto a charge of 1.5% on each transaction thereafter.More detailed information on charges can be found in the 'Fees andExpenses' section of the Prospectus.

Past performance

Sterling Class B (GB00B0C4RP31)

%

Past performance is not a guide to future performance.Fund launch date: 28 April 2000Share class launch date: 28 June 2005Performance is calculated in GBP.The past performance calculation does not take into account the entryand exit charges but does take into account the ongoing charge, asshown in the 'Charges' section.

Source: Lipper


Kames Capital ICVC is a UCITS scheme structured as an umbrella company with various sub-funds, with segregated liability between sub-funds.This document describes one sub-fund of the UCITS; the Prospectus and the Report and Accounts are prepared for the entire UCITS.You can exchange your holdings into another share class of the Fund, or another sub-fund of the UCITS, at any time. More detailed information onexchanging can be found in the 'Buying, Redeeming, Switching and Conversion of Shares' section of the Prospectus.The assets and liabilities of the Fund are segregated by law. Accordingly, the assets of this Fund belong exclusively to it and may not be used to meetthe liabilities of, or claims against, any other fund within the Kames Capital ICVC. Any liability incurred on behalf of, or attributable to, the Fund shallbe discharged solely out of the assets of the Fund.The depositary is National Westminister Bank plc.The prices of shares will be published daily on our website (www.kamescapital.com).Further information about the Fund and copies of the Prospectus and the latest Annual and Semi-Annual Report and Accounts can be obtained, freeof charge, on our website (www.kamescapital.com) or by calling 0800 358 3009. These documents are available in English.You should be aware that tax legislation in the UK (where the Fund is authorised) may have an impact on your personal tax position.Kames Capital plc may be held liable solely on the basis of any statement contained in this document that is misleading, inaccurate or inconsistentwith the relevant parts of the Prospectus.Details of the up to date remuneration policy of Kames Capital plc (“the Company”) including but not limited to, a description of how remuneration andbenefits are calculated, the identity of persons responsible for awarding the remuneration and benefits, are available at www.kamescapital.com. Apaper copy will be available free of charge upon request at the registered office of the Company.

Kames Capital ICVC is authorised in the United Kingdom and regulated by the Financial Conduct Authority (FCA).This key investor information is accurate as at 15/02/2017.

Non-UCITS retail scheme KEY INVESTOR INFORMATIONThis document provides you with key investor information about this fund. It is not marketing material. Theinformation is required by law to help you understand the nature and the risks of investing in this fund. Youare advised to read it so you can make an informed decision about whether to invest.

Kames Property Income Feeder (Income) Funda sub-fund of Kames Capital Unit TrustSterling Class B - Income shares (ISIN: GB00BK6MJH97)This fund is managed by Kames Capital plc.

Objectives and investment policyObjective: The investment objective is to provide income with potentialfor capital growth by investing in the Kames Property Income Fund,which invests mainly in commercial property.Policy: To invest close to 100% in the Kames Property Income Fund, aProperty Authorised Investment Fund (PAIF).The objective of the Kames Property Income Fund is to invest mainly incommercial property in the British Isles, which will seek to add valuethrough active asset management.It may also invest in other property-related assets including collectiveinvestment schemes and listed securities, as well as cash, deposits andmoney-market instruments.The investment returns of the Fund and the Kames Property IncomeFund may differ because the Fund may hold cash for operationalreasons.

Other informationYou can buy, sell or exchange the Fund's units on any business day (see'Dealing Day' in the Prospectus Definitions for more information).Income the Fund receives will be paid out every month.As the Fund invests in commercial property, the transaction costsincurred in buying and selling properties will be comparatively higher thanthe costs incurred in buying or selling other asset classes, which mayhave a material impact on the Fund's return.It is expected that the Fund will be held as part of a diversified portfoliowhich may include other assets such as bonds, equities, property andcash.

Risk and reward profileThe value of investments, and the income from them, will fluctuate. Thiswill cause the Fund price to fall, as well as rise, and you may not getback the original amount that you invested.As the Fund is dual-priced, there is a price to buy units and a price to sellthem. The difference between the two prices is referred to as 'thespread'. The spread is likely to be wider for the Fund than for other lessspecialist funds and may vary. We reserve the right to change the pricingbasis of the Fund and any change will mean an increase or decrease inthe price at which you can deal at. Further pricing information can befound on www.kamescapital.com/propertyincome.The following risks are also relevant to the Fund:Liquidity: In difficult market conditions, the investments within the Fundmay become more difficult to sell at the last quoted price, or at a fairvalue. Such situations could result in unpredictable changes in the valueof your holding.Fund charges: The Fund charges its fees against capital, which willincrease the amount of income available for distribution to Shareholders,but may constrain capital growth.The Fund invests mainly in commercial property, which is a less liquidasset than other categories of asset, comparatively it may be moredifficult to sell at times, which may lead to constraints when redeemingunits.

There is no guarantee that investments in property will increase in valueor that rental growth will take place. There is also a risk that tenantswithin the properties could default on their rental payments, which couldaffect the income within the Fund.If significant numbers of investors withdraw their investments from theFund at the same time, the manager may be forced to dispose ofproperty investments. The realised value of these sales may be lessfavourable than the last quoted valuation of the investments.The Fund invests mainly in one type of asset, meaning it is morevulnerable to the market sentiment of that specific type of asset. Thistype of fund can therefore carry a higher risk and can experience largerthan average price fluctuations when compared to a fund with a broaderinvestment universe.The Fund may at times hold larger amounts of cash for liquidity purposesor if new investment opportunities are limited, which may restrict theperformance of the Fund.Property valuations are provided by an independent valuer, rather thantraded on an exchange, and are therefore subjective.Full details and risks are disclosed in the section 'Risk Factors' in theProspectuses.



Entry charge 0.00%






The entry and exit charges shown are the maximum figures, and in somecases you may pay less. You can find out specific charges which apply toyour investment by contacting your financial adviser, distributor, or bycontacting us using the details given in the Practical Information section.The ongoing charge is based on expenses for the year to 31 March2017. This figure may vary from year to year. It excludes any portfoliotransaction costs (except in the case of an entry/exit charge paid by theFund when buying and selling shares in another fund).The fund has other costs in addition to the ongoing charges shownabove. These costs are associated with the day to day operation of thedirect property assets, an estimate of these is represented by theproperty expense ratio (PER). For details of how the PER is calculatedplease refer to the latest Report and Accounts on our website(www.kamescapital.com). The PER for this share class is 0.56% as at 31March 2017 and is subject to fluctuations.

Past performance

Sterling Class B (GB00BK6MJH97)

%

Past performance is not a guide to future performance.Fund launch date: 28 March 2014Share class launch date: 28 March 2014Performance is calculated in GBP.The past performance calculation does not take into account the entryand exit charges but does take into account the ongoing charge, asshown in the 'Charges' section.


Kames Capital Unit Trust is a non-UCITS retail scheme (NURS) structured as an umbrella unit trust with various sub-funds, with segregated liabilitybetween sub-funds. This document describes one sub-fund of the NURS; the Prospectus and the Report and Accounts are prepared for the entireNURS.You can Exchange your holdings into another share class of the Fund, or another sub-fund of the NURS, at any time. More detailed information onexchanging can be found in the 'Buying, Redeeming, Converting and Switching of Units' section of the Prospectus.The assets and liabilities of the Fund are segregated by law. Accordingly, the assets of this Fund belong exclusively to it and may not be used to meetthe liabilities of, or claims against, any other fund within the Kames Capital Unit Trust. Any liability incurred on behalf of, or attributable to, the Fundshall be discharged solely out of the assets of the Fund.The Trustee is National Westminster Bank plc.The prices of units will be published daily on our website (www.kamescapital.com).Further information about the Fund and Feeder and copies of their Prospectuses and their latest Annual and Semi-Annual Report and Accounts, andthe Key Investor Information Document can be obtained, free of charge, on our website (www.kamescapital.com) or by calling 0800 358 3009. Thesedocuments are available in English.You should be aware that tax legislation in the UK (where the Fund is authorised) may have an impact on your personal tax position.Details of the up to date remuneration policy of Kames Capital plc (“the Company”) including but not limited to, a description of how remuneration andbenefits are calculated, the identity of persons responsible for awarding the remuneration and benefits, are available at www.kamescapital.com. Apaper copy will be available free of charge upon request at the registered office of the Company.

Kames Capital Unit Trust is authorised in the United Kingdom and regulated by the Financial Conduct Authority (FCA).This key investor information is accurate as at 01/08/2017.

KEY INVESTOR INFORMATION This document provides you with key investor information about this fund. It is not marketing material. The information is required by law to help you understand the nature and the risks of investing in this fund. You are advised to read it so you can make an informed decision about whether to invest.

Legal & General Ethical Trust I Class Distribution ISIN: GB00B0CNH833 This fund is managed by Legal & General (Unit Trust Managers) Limited.

OBJECTIVE AND INVESTMENT POLICY

Objective The objective of this fund is to provide growth by investing in a portfolio of companies whose business meets a range of ethical and environmental guidelines. (You can find details of these guidelines in the fund's Prospectus or in The Legal & General Ethical Trust - Who's in and Who's out document.) Investment policy: The fund will invest almost entirely in company shares. These shares will

be from companies in the FTSE 350 Index whose business meets the ethical and environmental guidelines of the fund. The Index consists of shares of the 350 largest companies listed on the UK stock market.

The amount of shares held from each company will be in proportion to the company's size. However, no one company can make up more than one tenth of the fund's value.

The fund is managed with reference to the FTSE 350. The fund is managed closely to that benchmark after allowing for the removal of companies that do not meet its objective.

The fund may use derivatives (contracts which have a value linked to the price of another asset) to: • reduce risk or cost; or

• generate additional capital or income with no, or an acceptably low, level of risk.

Other information: If you hold distribution units, income from investments held by the fund will

be paid out to you (as a dividend). This will reduce your capital growth accordingly.

You can buy or sell units in this fund on any working day. You need to contact us with your instruction before 12 noon. This is the time we calculate unit prices for this fund. If you contact us after 12 noon, the units will be bought or sold at the next working day's price.

This fund is designed for investors looking to grow their money in an investment which can form part of their existing savings portfolio.

Although investors can take their money out at any time, this fund may not be appropriate for those who plan to withdraw their money within five years.

If you do not understand this document we recommend you seek additional information to help you decide if this fund is right for you.


This risk and reward indicator is based on historical data which may not be a reliable indication of the fund's risk and reward category in the future.

The category is based on the rate at which the value of the fund has moved up and down in the past.

This fund is in category 5 because it invests in company shares which generally provide higher rewards and higher risks than other investments such as bonds, cash or commercial property.

The fund's category is not guaranteed to remain the same and may change over time.

Even a fund in the lowest category is not a risk free investment. The value of your investment and any income you take from it may fall as

well as rise and is not guaranteed. You might get back less than you invest.

The risk and reward indicator may not take account of the following risks of investing in the fund:

The fund could lose money if any institutions providing services such as safekeeping of assets or acting as counterparty to derivatives or other instruments, becomes unwilling or unable to meet its obligations to the fund.

Derivatives are highly sensitive to changes in the value of the asset on which they are based and can increase the size of losses and gains.

The fund may have underlying investments that are valued in currencies that are different from Sterling (British Pounds). Any such investments will be impacted by exchange rate fluctuations and this may affect the value of your investment and any income from it. Currency hedging techniques may have been applied to reduce the impact of exchange rate fluctuations but may not entirely eliminate it.

If you use your right to cancel your investment, you may not get a full refund if the value of your investment falls before we carry out your instruction.

Lower risk Higher risk

Potentially lower rewards Potentially higher rewards

1 2 3 4 5 6 7

This fund is authorised in the UK and regulated by the Financial Conduct Authority. This key investor information is accurate as at 3 October 2017.


The charges you pay are used to pay the costs of running the fund, including the costs of marketing and distributing it. These charges reduce the

potential return from your investment.


Entry charge 0.00%*

Exit charge 0.00%*

This is the maximum that might be taken out of your money before it is invested.

*The fund also incurs a unit price spread. See opposite.





The entry and exit charges shown are maximum figures. In some cases (including when switching to other funds managed by us) you might pay less - you can find out the actual figures from us or your financial adviser.

The ongoing charges figure is based on the latest available expenses at December 2016. This figure may change in the future.

This fund's ongoing charges include any charges made by any other funds it may invest in.

Other costs:

Unit price spread: each day there are two prices for this fund: a higher price you pay to buy units and a lower price you receive when you sell units. The fund manager sets these prices. The difference between these prices is called the 'spread'. The spread is separate to the entry, exit and ongoing charges shown in this section. This fund's spread reflects the difference between the buying and selling prices of the assets it holds and costs associated with buying and selling the assets. The spread can change at any time and by any amount. As an example, the buying price for units in this fund was 0.58% higher than the selling price at 31 December 2016.

For more information about charges and costs, please see the charges and expenses section in the fund's Prospectus, or visit our website at legalandgeneral.com/chargesandfees.

PAST PERFORMANCE


The figures for the fund take into account all charges except any entry charge, and assume income (after any tax) is reinvested. The performance has been calculated in Sterling (British pounds).

Fund performance differs from the benchmark due to the removal of companies that do not meet the fund's objective and expenses, tax and transactions costs, which the benchmark index is not subject to.

The annual return is for a 12 month period ending 31 December.

The fund launched in 1999.

This unit class launched in 2005.


The trustee is Northern Trust Global Services Limited.

You can find further information about the fund in its Prospectus and latest annual and half-yearly reports at www.legalandgeneral.com/reports. A Guide to Investing with Us at www.legalandgeneral.com/guide gives further information about investing generally. These documents are also available from: Legal & General Investments, PO Box 6080, Wolverhampton WV1 9RB. We will provide documents free of charge and in English.

You can get other practical information, including the latest buying and selling prices, spreads and details of any other unit classes that are available, by calling us on 0370 050 0955 Monday to Friday between 8.30am and 6.00pm. Call charges will vary. You can also find details of how we price units in A Guide to Investing with Us.

UK tax legislation may have an impact on your personal tax position.

Legal & General (Unit Trust Managers) Limited may be held liable solely on the basis of any statement contained in this document that is misleading, inaccurate or inconsistent with the relevant parts of the Prospectus for the fund.

You can find details of our Remuneration Policy at www.lgim.com/remuneration. You can also request a paper copy free of charge. The Policy includes details of our Remuneration Committee and how remuneration and benefits are calculated.

2007 2008 2009 2010 2011 2012 2013 2014 2015 2016

Fund 0.8 -38.9 30.5 21.5 -8.0 18.5 30.9 2.6 9.4 2.4

Index 5.9 -29.5 29.7 14.4 -3.2 12.0 20.5 1.2 0.7 16.8

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NON-UCITS RETAIL SCHEME KEY INVESTOR INFORMATION This document provides you with key investor information about this fund. It is not marketing material. The information is required by law to help you understand the nature and the risks of investing in this fund. You are advised to read it so you can make an informed decision about whether to invest.

Legal & General UK Property Feeder Fund I Class Distribution ISIN: GB00BK35F390 This fund is managed by Legal & General (Unit Trust Managers) Limited.

OBJECTIVE AND INVESTMENT POLICY

Objective The objective of this fund is to provide a combination of income and growth by investing solely in the Legal & General UK Property Fund (the ‘Master Fund’). It may also hold cash where necessary to enable the making of payments to unitholders or creditors. Investment policy: The fund aims to achieve investment returns very similar to those of the

Master Fund. The Master Fund will typically invest at least 80% in a range of UK

commercial properties (but this can be as low as 60% where the fund manager deems it to be in the interests of the fund and its shareholders).

The Master Fund may invest in all types of commercial property. The Master Fund may occasionally invest in residential property and may also develop properties. The Master Fund may also invest from time to time in commercial properties in the Isle of Man and the Channel Islands.

The Master Fund may use derivatives (contracts which have a value linked to the price of another asset) to: • reduce risk or cost; or • generate additional capital or income with no, or an acceptably low, level of risk.

The Master Fund may also invest in other property-related assets, (including property-related UK shares and UK property-related authorised

investment funds), money market instruments, deposits, money market-related authorised investment funds and government bonds.

Other information: If you hold distribution units in the Legal & General UK Property Feeder

Fund, income from investments held by the fund will be paid out to you (as a dividend). This will reduce your capital growth accordingly.

You can buy or sell units in this fund on any working day. You need to contact us with your instruction before 12 noon. This is the time we calculate unit prices for this fund. If you contact us after 12 noon, the units will be bought or sold at the next working day's price.

The Master fund incurs transaction costs relating to buying and selling properties and other assets which are likely to impact returns from your investment. These costs are paid from the Master Fund's assets and are in addition to the entry or ongoing fund charges shown overleaf.

This fund is designed for investors looking to grow their money in a specialised investment which can form part of their existing savings portfolio.

Although investors can take their money out at any time, this fund may not be appropriate for those who plan to withdraw their money within five years.

If you do not understand this document we recommend you seek additional information to help you decide if this fund is right for you.


The value of your investment and any income you take from it may fall as well as rise and is not guaranteed. You might get back less than you invest.

If you use your right to cancel your investment, you may not get a full refund if the value of your investment falls before we carry out your instruction. The following are additional risks that apply to the Master Fund and can impact the Legal & General UK Property Feeder Fund:

If any of the markets in which you invest falls, the value of your investment in those markets will probably fall as well. In times of market uncertainty it may become less easy for your fund to buy and sell investments. If this happens, the value of your fund may fall and in extreme circumstances this may also force a delay in buying and selling your investment in the fund, which may mean you have to wait for your money to be invested or returned. The fund can only delay paying out if it is in the interests of all investors and with the permission of the fund trustee or depositary.

The fund manager runs a fund to meet its objective and you should expect a fund's investments to change over time. The fund's level of risk may also change in the future, for example because of: - global economic conditions; - investment choices made by the fund manager; or - change in the riskiness of the market(s) invested in.

At times it may be difficult for the Master Fund to make investments or sell assets to meet investors’ requests to buy/sell units. Where this occurs the fund may experience reduced investment performance for a period or have difficulty paying proceeds to investors who wish to sell units.

Property can be difficult to buy or sell. This could mean: - cash builds up waiting to be invested, so the fund will underperform when property returns are greater than the interest earned; and/or - property may have to be sold for less than expected.

If an exceptional amount of withdrawals are requested, the fund manager may be forced to sell properties quickly. This could mean that properties are sold for less than expected which would reduce the value of your investment.

If total requested withdrawals exceed 10% of the value of the Master Fund, the Manager may defer withdrawals until the next working day.

If the size of the Master Fund falls significantly, it may have to invest in fewer properties. This may lead to an increase in risk.

Rental growth is not guaranteed and unpaid rent could affect the performance of your investment.

The value of property is generally a matter of valuer’s opinion rather than fact and the true value of a property may not be recognised until the property is sold. In certain circumstances we may not be able to obtain a valuer's opinion and will apply our own valuation.

The Master Fund will undertake development of properties where the full benefits of any increases in the value of the property or the income earned from it are not received until completion. While any development is taking place, the fund is at risk from delays, increased costs or not achieving the predicted improvement in increasing the value of the property or rent received.

The Master Fund may have a considerable amount of money on deposit with companies such as banks or other financial institutions and invests in money market securities which may be issued by governments, companies, banks and other financial institutions. If any of these experience financial difficulty, they may be unable to pay back some or all of the interest, original investment or other payments that they owe. The value of money market securities may fall due to changes in interest rates, inflation, creditworthiness, wider credit events or extensions to the anticipated term of investments. If any of these events happens, the value of your fund may fall.

The Master Fund could lose money if any institutions providing services such as safekeeping of assets or acting as counterparty to derivatives or other instruments, becomes unwilling or unable to meet its obligations to the fund.

Derivatives are highly sensitive to changes in the value of the asset on which they are based and can increase the size of losses and gains.

This fund is authorised in the UK and regulated by the Financial Conduct Authority. This key investor information is accurate as at 7 November 2017.


The charges you pay are used to pay the costs of running the fund, including the costs of marketing and distributing it. These charges reduce the

potential return from your investment.


Entry charge 0.00%*

Exit charge 0.00%*

This is the maximum that might be taken out of your money before it is invested.

* The fund also incurs transaction costs. See opposite.





The entry and exit charges shown are maximum figures. In some cases (including when switching to other funds managed by us) you might pay less - you can find out the actual figures from us or your financial adviser.

The ongoing charges figure is based on the latest available expenses at December 2016. This figure may change in the future.

This fund's ongoing charges include the ongoing charges of the Master Fund.

Other costs:

Transaction costs: each day there are two prices for this fund: a higher price you pay to buy units and a lower price you receive when you sell units. The fund manager sets these prices. The difference between these prices is called the 'spread'. The spread is separate to the entry, exit and ongoing charges shown in this section. This fund's spread reflects the high transaction costs of buying and selling commercial property, and other assets, incurred by the Master Fund. The spread can change at any time and by any amount. As an example, the buying price for units in this fund was 5.17% higher than the selling price at 3 November 2017. Please note that the spread will be incurred on transfers between this fund and the Master Fund, except on certain dates.

For more information about charges and transaction costs, please see the charges and expenses section in the fund's Prospectus, or visit our website at legalandgeneral.com/chargesandfees.

Property expense ratio: the Master Fund has other costs in addition to its ongoing charges and transaction costs which will impact your investment. They include costs such as maintenance and repair fees, property management fees, letting costs and legal fees related to running properties. Full details are in the Master Fund’s Prospectus. These additional costs are represented by the property expense ratio (PER). For I class the PER is 0.31% (at May 2017).

PAST PERFORMANCE


The figures take into account all charges except any entry charge, and assume income (after any tax) is reinvested. The performance has been calculated in Sterling (British Pounds).

The annual return is for a 12 month period ending 31 December.

The fund launched in 2014.

This unit class launched in 2014.

This UK Property Feeder Fund launched in 2014, but we have shown continuous performance back to 2007 as explained below. The fund invests solely in the Master Fund. On 24 May 2014 the Legal & General UK Property Trust merged into the newly created Master Fund. We believe it is fair and relevant to show you the available past performance of the I class of the Legal & General UK Property Trust before this date. Performance after this date is that of the I class of the UK Property Feeder Fund.


The trustee is Northern Trust Global Services Limited.

This fund: You can find further information about the fund in its Prospectus and latest annual and half-yearly reports at www.legalandgeneral.com/reports. A Guide to Investing with Us at www.legalandgeneral.com/guide gives further information about investing generally. Master Fund: Copies of the Master Fund Prospectus, Key Investor Information documents and periodic reports and accounts are available at www.legalandgeneral.com/reports.These documents are also available from: Legal & General Investments, PO Box 6080, Wolverhampton WV1 9RB. We will provide documents free of charge and in English.

You can get other practical information, including the latest buying and selling prices, spreads and details of any other unit classes that are available, by calling us on 0370 050 0955 Monday to Friday between 8.30am and 6.00pm. Call charges will vary. You can also find details of how we price units in A Guide to Investing with Us.


You can find details of our Remuneration Policy at www.lgim.com/remuneration. You can also request a paper copy free of charge. The Policy includes details of our Remuneration Committee and how remuneration and benefits are calculated.

2007 2008 2009 2010 2011 2012 2013 2014 2015 2016

Fund -2.9 -17.7 5.9 10.4 3.3 2.2 8.0 13.5 10.6 2.0

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Liontrust Sustainable Future Corporate Bond Fund (Class 2 Net Shares), asub-fund of Liontrust Sustainable Future ICVCIncome shares ISIN code - GB0030029069.

Liontrust Investments Limited is the Authorised Corporate Director.

Objectives and investment policyThe Fund aims to provide a higher long term return than that providedby UK Government bonds. Although there is some potential for thevalue of the Fund to grow, over the long term most of the returns arelikely to be in the form of income. Long term is generally regardedas 5 years or more.

It invests in a broad range of higher quality bonds. Bonds are broadlysplit into two types, higher quality, which are known as investmentgrade, and lower quality which are known as non-investment grade.Higher quality bonds are seen to have less risk and so usually offerlower returns.

The Fund should have at least 80% invested in higher quality bonds.It may invest in global bonds issued by companies, governments andlarge international organisations in a variety of currencies. Normally80% of the bonds in the Fund will be priced in Sterling, or hedged toSterling. Hedging is a technique to reduce the impact of any adverseexchange rate movements. It will invest only in companies that meetour rules for environmental and social responsibility. The FundManager actively makes the investment selection decisions for theFund.

Fund income can be paid out to a bank account or used to buy moreshares in the Fund.

You can buy and sell shares on any London business day. For furtherinvestment objective and policy details please refer to theProspectus.

Recommendation: this Fund may not be appropriate for investorswho plan to withdraw their money within 5 years.




1 2 3 4 5 6 7

• This Fund is ranked at 3 because funds of this type have experiencedlow to medium rises and falls in value in the past.

• Please note that even the lowest risk class can lose you money andthat extreme market circumstances can mean you suffer severe lossesin all cases. Investors may not get back their original investment. Theindicator does not take into account the following risks of investing inthis Fund:

• Fluctuations in interest rates are likely to affect the value of the bondsand other fixed-interest securities held by the Fund. If long-term interestrates rise, the value of your shares is likely to fall.

• The Fund can invest in derivatives. Derivatives are used to protectagainst currencies, credit and interests rates move or for investmentpurposes. There is a risk that losses could be made on derivativepositions or that the counterparties could fail to complete ontransactions.

• The value of these securities will fall if the issuer is unable to repay theirdebt or has their credit rating reduced. Generally, the higher perceivedcredit risk of the issuer, the higher the rate of interest.

Page 1 of 2.






• The ongoing charges figure is based on the last year’s expenses andmay vary from year to year. It excludes the costs of buying or sellingassets for the Fund (unless these assets are shares of another fund).

• The ongoing charges figure is calculated as at 31/12/2016.• Charges are deducted from income. This may allow more capital

growth but it also may restrict income.• For more information about charges, please see the Prospectus.

Past performance

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25

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2008

2009

2010

2011

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2016

%

2007 2008 2009 2010 2011 2012 2013 2014 2015 2016

Fund -1.5 -14.5 20.4 7.3 4.4 15.7 1.8 9.8 0.5 10.5

Source: FE 2017

• You should be aware that past performance is not a guide to futureperformance.

• Fund launch date: 19/02/2001.• Share/unit class launch date: 19/02/2001.• Performance is calculated in GBP.

Practical information• This document describes only one share class and other share classes are available. Information on how to buy, sell and switch shares is

available by contacting Liontrust Investments Limited, 2 Savoy Court, London, WC2R 0EZ. Telephone: +44 (0)20 7412 1700. Website: www.liontrust.co.uk

• Further detailed information about the Fund, including its prospectus and latest annual and half-yearly reports, is available free of chargeby contacting us (see above). The documents are available in English only.

• Liontrust Sustainable Future ICVC offers a range of funds with different investment objectives. The prospectus and annual and half-yearlyreports cover all funds in Liontrust Sustainable Future ICVC.

• The Fund is a sub-fund of an Open-Ended Investment Company. The assets of each fund belong exclusively to it and are not available tomeet the liabilities of any other fund in Liontrust Sustainable Future ICVC or Liontrust Sustainable Future ICVC itself.

• Other practical information, including current share prices for the Fund, may be obtained from our website or by contacting us.• The Fund’s Depositary is National Westminster Bank plc.• The tax legislation of the United Kingdom may have an impact on your personal tax position.• Liontrust Investments Limited may be held liable solely on the basis of any statement contained in this document that is misleading, inaccurate

or inconsistent with the relevant parts of the prospectus for this Fund.• The Fund is authorised in the United Kingdom and regulated by the Financial Conduct Authority. Liontrust Investments Limited is authorised

in the United Kingdom and regulated by the Financial Conduct Authority.• Liontrust Investments Limited is a subsidiary of Liontrust Asset Management PLC.• Information on the current remuneration policy of the Fund, including a description of how remuneration and benefits are calculated and the

identity of persons responsible for awarding the remuneration and benefits, is available at www.liontrust.co.uk. A paper copy of this informationis available free of charge upon request from Liontrust Investments Limited at 2 Savoy Court, London, WC2R 0EZ.

This Key Investor Information is accurate as at 03/04/2017.CU97

Page 2 of 2.

Objectives and Investment Policy• The Compartment seeks capital growth by mainly investing its assets in

shares and any other equity-related securities issued by companies whoare active along the environmental value chain.

• The compartment favours companies operating in services,infrastructures, technologies and resources related to environmentalsustainability.

• The eligible financial instruments are mainly international equities listedon a stock exchange.

• The Compartment may invest up to 30% of its net assets in China Ashares through (i) the QFII ("Qualified Foreign Institutional Investor”),(ii) the RQFII ("Renminbi QFII”), (iii) the Shanghai-Hong Kong StockConnect programme, (iv) the Shenzhen-Hong Kong Stock Connectprogramme and/or (v) any similar acceptable securities trading andclearing linked programmes or access instruments which may beavailable to the Compartment in the future. The Compartment may alsouse financial derivative instruments on China A shares.

• The Compartment may use financial derivative instruments for

investment and hedging purposes. The Compartment may also invest instructured products.

• The Compartment is actively managed. The investment process isgeared towards the rigorous analysis and evaluation of companyfundamentals, with the aim of investing in companies that offer capitalappreciation. Only the best prospects benefiting from the growth of theglobal megatrends are retained.

• The Share class may distribute a dividend composed of net investmentincome, capital gains and/or the capital itself.

• The price of the Share class is calculated on a daily basis. Investors mayredeem shares of the Compartment on any business day in Luxembourg,unless no underlying prices are available (market closed).

• The price of the Share class may be adjusted to ensure that rebalancingcosts caused by subscriptions or redemptions are borne by investorsresponsible for those flows.

• Recommendation: the Compartment may not be appropriate forinvestors who plan to withdraw their money within 7 years.

Risk and Reward ProfileLower risk Higher risk

Typically lower rewards Typically higher rewards

1 2 3 4 5 6 7

• The Share class is assigned to this risk category because of the pricevariations resulting from its currency and the nature of theCompartment's investments and strategy.

• The risk category shown is based on historical data and may not be areliable indication for the future risk profile of the Share class.

• The risk category shown is not a target or a guarantee and may changeover time.

• The lowest category does not mean a risk-free investment.• The Compartment offers no capital guarantee or asset protection

measures.• The Compartment may be exposed to the following material risks which

are not adequately captured by the synthetic risk indicator and maynegatively impact its performance:

- Operational risk: losses may result from, for instance, human errors,system failures, incorrect valuation and safekeeping of assets.- Counterparty risk: losses may occur when a counterparty does nothonour its obligations related to instruments or contracts such as over-the-counter derivatives.- Impact of financial techniques: the use of leverage may amplify lossesand gains, and/or may not result in the intended exposure.- Investments in emerging markets are generally more sensitive to riskevents than those in developed markets. Such risk events may includechanges in economic, political, fiscal and legal environment, as well asfraud.- Investments in mainland China may be subject to capital restrictionsand trading quotas, such as QFII and RQFII regimes for instance. TheCompartment may suffer difficulties or delays in enforcing its rights incase of disputes.- Chinese "Stock Connect" trading programs may be subject to additionalrisks related to the enforcement of ownership rights, clearing &settlement, trading quotas and operational issues.

KEY INVESTOR INFORMATIONThis document provides you with key investor information about this fund. It is not marketing material. Theinformation is required by law to help you understand the nature and the risks of investing in this fund. You areadvised to read it so that you can make an informed decision about whether to invest.

1

Pictet - Global Environmental Opportunities(the "Compartment") is a compartment of Pictet (the "Fund")I dy GBP (the "Share class") - ISIN LU0503632878This Fund is managed by Pictet Asset Management (Europe) S.A., part of the Pictet group

www.assetmanagement.pictet

ChargesOne-off charges taken before or after you invest

Entry charge (in favor of the distributor) Up to 5.00%

Exit charge (in favor of the distributor) Up to 1.00%

Conversion charge (in favor of the distributor) Up to 2.00%

This is the maximum that might be taken out of your money before it is invested or before the proceeds of yourinvestment are paid out.

Charges taken from the Share class over a year


Charges taken from the Share class under certain specific conditions

Performance fee No performance fee

The charges you pay are used to pay the costs of running the Compartment,including the costs of marketing and distributing it. These charges reduce thepotential growth of your investment.

The entry, conversion and exit charges shown are maximum figures. In some casesyou might pay less - you can find this out from your financial adviser or funddistributor.

The ongoing charges figure is based on expenses for the period ending onDecember 31st, 2016. This figure may vary from year to year. It excludesperformance fees and portfolio transaction costs, except in the case of an entry/exitcharge paid by the Compartment when buying or selling units/shares in anothercollective investment undertaking.For more information about charges, please see section "Fund expenses" of theFund prospectus, which is available at www.assetmanagement.pictet

Past PerformanceThe Share class has been launched on 12 July 2011 (Compartment on10 September 2010).Past performance is not a guide for future performance.Performance figures do not include commissions or fees charged onequities trading.Past performance has been calculated in GBP.

Practical Information• Depositary bank: 15, avenue J.F. Kennedy, L-1855 Luxembourg, Tel.:

+352 467171-1, Fax: +352 467171-7667• The Fund prospectus, the most recent annual and semi-annual reports

and other information on the Fund can be obtained in English or Frenchfree of charge from the Fund's registered office, 15, avenue J.F. Kennedy,L-1855 Luxembourg, +352 46 71 71 1.

• The most recent share prices and other practical information can beobtained from the Fund's registered office.

• The tax laws of Grand Duchy of Luxembourg may have an effect on theinvestor's individual tax position.

• The Fund may be held liable solely on the basis of any statementcontained in this document that is misleading, inaccurate or inconsistentwith the relevant parts of the Fund prospectus.

• This document describes one class of one of the Fund's compartments,while the prospectus and periodic reports cover the entire Fund.

• The assets and liabilities of the Fund's different compartments aresegregated. As a result, the rights of investors and creditors in relation toany one compartment are restricted to the assets of that compartment.

• Provided they meet the access conditions, investors are entitled toexchange their shares for shares in another class of this Compartment orin another Fund compartment. Additional information on ways ofexercising this right can be obtained from the Fund's registered office.

• The details of the up to date remuneration policy, including but notlimited to a description of how remuneration and benefits arecalculated, individuals responsible for awarding the remunerationand benefits including, as the case may be, the composition of theremuneration committee are available atwww.group.pictet/PAMESA_UCITS_Remuneration_Policy and apaper copy is made available free of charge upon request at theManagement Company's registered office.

www.assetmanagement.pictet 2

The Fund is authorised in Luxembourg and supervised by the Commission de Surveillance du Secteur Financier.This key investor information is accurate as at 31 July 2017.

Page | 1 of 2


This document provides you with key investor information about this fund. It is not marketing material. The information is required by law to help you understand the nature and the risks of investing in this fund. You are advised to read it so you can make an informed decision about whether to invest.

Premier Ethical Fund – Class C Shares A sub-fund of the Premier Growth Funds ICVC

Class C Income Shares, ISIN no.GB0004073002 (representative share class) & Class C Accumulation Shares, ISIN no.GB00BTHH0625 Authorised Corporate Director - Premier Portfolio Managers Ltd.

Objectives and investment policy

The aim of the Fund is to grow the value of your original investment over the long term.

The Fund will aim to invest in businesses with ethical, or socially responsible, principles.

The Fund has an independent Committee of Reference which meets regularly to discuss research on topical issues relating to the Fund's ethical criteria.

The Fund is actively managed which means that the Fund Manager will choose the investments, currencies and markets held in the Fund but always within the boundaries outlined in the Fund's objective and policy.

Due to the investment approach adopted for the fund, the impact of portfolio transaction costs, which are paid from the assets of the fund, may be material and are in addition to the charges set out below.

The full investment objective and policy, which outline all the eligible investments, are available in the Fund’s prospectus.

You can buy, sell and switch shares in the Fund on any UK business day. We will need to receive your instruction before 12 noon to buy shares at that day’s price.

Terms Explained:

Accumulation Shares: any income made by the Fund will be reinvested to grow the value of your investment.

Income Shares: any income made by the Fund will be paid out to you.


The Risk and Reward Indicator table demonstrates where the Fund ranks in terms of its potential risk and reward. The higher the rank the greater the potential reward but the greater the risk of losing money. It is based on past data, may change over time and may not be a reliable indication of the future risk profile of the Fund. The shaded area in the table below shows the Fund’s ranking on the Risk and Reward Indicator.

Typically lower rewards, Typically higher rewards, lower risk higher risk

1 2 3 4 5 6 7

The Fund is ranked as 5 because it has experienced medium to high rises and falls in value over the past five years.

Please note that even the lowest ranking does not mean a risk-free investment.

The Fund holds equities concentrated in ethical business sectors which can carry a higher risk than funds holding more diversified assets. Equities tend to experience higher volatility than many other asset types such as corporate bonds or money market instruments. The Fund invests globally but has a strong concentration in the United Kingdom. Assets concentrated by geographic location are more vulnerable to market sentiment in that specific location and can carry a higher risk than funds holding more diversified assets.

The indicator may not take fully into account the following risks of investing in this fund:

Liquidity risk: during difficult market conditions some securities in some locations may become more difficult to sell at a desired price.

Operational risk: arising from investments in overseas markets which may not have the same level of safekeeping and other controls as UK markets.

Legal or tax risk: arising from a change in legal regulations, tax rules or the application of them.

A more detailed description of the risks identified as being applicable to the Fund are set out in the ‘Risk Factors’ section of the Prospectus.

The Fund is authorised in the United Kingdom and regulated by the Financial Conduct Authority.

Premier Portfolio Managers Limited is authorised in the United Kingdom and regulated by the Financial Conduct Authority of 25 the North Colonnade, Canary

Wharf, London, E14 5HS with registered address Eastgate Court, High Street, Guildford, Surrey, GU1 3DE. Premier Portfolio Managers Ltd is registered in

England No. 1235867.

This Key Investor Information is accurate as at 25/04/2017. Page | 2 of 2

Charges

The charges you pay are used to pay the costs of running the Fund, including the costs of marketing and distributing it. These charges reduce the potential growth of your investment.

Switching charge (for switching into the Fund from another fund) 0.00%.

The ongoing charges figure is based on the last year’s expenses and may vary from year to year. It excludes the costs of buying or selling assets for the Fund (unless these assets are shares of another fund).

For more information about charges, please refer to the Fund's prospectus.

For the Ongoing Charge, the figure was calculated as at 28/02/2017.


Entry charge 0.00%

Exit charge 0.00%

These are the maximum charges that we might take out of your money before it is invested and before we pay out the sale proceeds of your investment. In some cases, you might pay less and you should speak to your financial adviser about this.



Charges taken from the Fund under specific conditions

Performance fee NONE

Past performance

You should be aware that past performance is not a guide to future performance.

Fund launch date: 07/07/1986.

Share/unit class launch date: 07/07/1986.

Performance is calculated in GBP.

Performance is net of charges (excluding entry charge) and net of tax.


This document should be read in conjunction with the Supplementary Information Document (SID).

For further information about the Fund, including the SID, a free English language copy of the full Prospectus, half-yearly and annual reports and accounts (which are prepared in relation to Premier Growth Funds ICVC of which the Fund is a sub-fund), please visit www.premierfunds.co.uk, call us on 0333 456 6363 or write to us at Premier Portfolio Managers Limited, PO Box 3733, Royal Wootton Bassett, Swindon SN4 4BG.

You can also obtain other practical information including the current price of shares in the Fund on the website.

You can exchange your shares for shares in other sub-funds of the Company, as and when they are available.

For more information on how to switch to another sub-fund, please call us on 0333 456 6363 or see the Prospectus on the website.

The Fund’s Depositary is Northern Trust Global Services Limited.


Premier Portfolio Managers Limited may be held liable solely on the basis of any statement contained in this document that is misleading, inaccurate or inconsistent with the relevant parts of the Prospectus for the Fund.

The Fund has its own portfolio of assets and liabilities and its assets shall not be available to satisfy debts that have arisen in other sub-funds of the Company (this concept is known as “segregated liability”).

The Class C Income shares have been used as representative.

Information about the share classes available can be found in the Prospectus.

A copy of the Remuneration Policy, which includes a description of how remuneration and benefits are calculated and the identity of those who make up the Remuneration Committee, which is responsible for awarding remuneration and benefits, is available within the ‘Important Information’ section of the website (www.premierfunds.co.uk). A paper copy will be made available free of charge, upon request.

2007 2008 2009 2010 2011 2012 2013 2014 2015 2016

Fund 1.4 -27.0 21.5 11.6 -5.9 24.5 37.4 6.1 14.1 4.0

-40

-30

-20

-10

0

10

20

30

40

50

%

This document provides you with key investor information about this fund. It is not marketing material. The information is required by law tohelp you understand the nature and the risks of investing in this fund. You are advised to read it so you can make an informed decision aboutwhether to invest.

Objectives and investment policyThe fund’s objective is to seek regular, above-average income.

Under normal circumstances, the fund invests mainly in bonds andbond market instruments that meet strict ethical and financial criteria.

The fund may also invest in other securities permitted by UCITSregulations. The fund may use investment techniques and derivativesfor efficient portfolio management (including hedging).

The fund is managed at the fund manager’s discretion withoutreference to any benchmark. The manager uses its own analysis toidentify those individual bonds that can offer the best overallcombination of price, risk, income and also meet established ethicalstandards.

Designed for: Investors who understand the fund risks, want aninvestment that focuses on income, and intend to invest their moneyfor at least five years.

You can buy and sell units on each business day of the fund between9am and 5pm.

The fund offers accumulation units (units in which any incomepayable by the fund is reinvested) and income units (units in whichany income received in the fund will be paid to the unitholder).

Terms to understandBonds: Securities that represent an obligation to repay a debt, alongwith interest.

Derivatives: Financial instruments whose value is linked to one ormore rates, indices, share prices or other values.

Hedging: Using techniques to partially cancel out risks.


1 2 3 4 5 6 7

Lower potential risk/reward Higher potential risk/reward(Not risk-free)

This indicator is a measure of the fund’s past volatility (the extent andrapidity of up-and-down movements of the value of an investment). Itmay not be a reliable indication of the fund’s future risk. The riskcategory shown is not a target or a guarantee and may change overtime.

The risk indicator for this fund reflects the following:

— The emphasis on income helps the manager to maintain a moderaterisk profile for the fund.

The value of investments in the fund and the income from them maygo down as well as up and you may not get back your originalinvestment when you sell your units.

During unusual market conditions, the risks normally experienced bythe fund may increase significantly, and in addition, the fund may besubject to the following risks:

Counterparty risk: The fund could lose money if an entity with whichit does business becomes unwilling or unable to honour itsobligations to the fund.

Currency risk: Changes in currency exchange rates could adverselyaffect fund performance.

Default risk: The issuers of certain bonds could become unable tomake payments on their bonds.

Liquidity risk: During difficult market conditions, some securitiesmay become hard to value or sell at a desired price.

Management risk: Investment management techniques that haveworked well in normal market conditions could prove ineffective ordetrimental in extreme market conditions.


Rathbone Ethical Bond Fund I-ClassFund Manager: Rathbone Unit Trust Management LimitedAccumulation units ISIN: GB00B77DQT14Income units ISIN: GB00B7FQJT36

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Charges for this fundThe fund manager receives an annual fee, which is included in theongoing charges shown below. You may be eligible for lower entrycharges than the maximum shown; ask your financial adviser.Ongoing charges are the same for all investors in the same class. Thecharges shown below are based on actual fees and expenses for theyear ending 31 March 2017.

One-off charges taken before or after you invest:

Entry charge none

Exit charge none

Charges taken from the fund over a year:

Ongoing charges 0.68% (Acc units); 0.68% (Inc units)

Charges taken from the fund under specific conditions:

Performance fee none

For more information about charges, please see the ''Charges'' section ofthe fund’s Prospectus, available by calling the Information Line oremailing [email protected].

Past performanceBasis of performance: bid to bid, net income reinvested.

Fund inception: 14 May 2002.

Fund inception: 14 May 2002. I-Class units were launched 1st March2012. Performance is based on the prices for R-Class units adjusted forthe appropriate charging structure prior to that date.

Rathbone Ethical Bond Fund I-Class in GBP

-20%

-15%

-10%

-5%

0%

5%

10%

15%

20%

2007 2008 2009 2010 2011 2012 2013 2014 2015 2016-0.9%-17.2% 19.1% 14.5% 1.8% 17.7% 4.8% 10.9% 1.6% 7.5%

1.5% -3.8% 10.4% 8.7% 6.9% 13.1% 0.8% 12.3% 0.5% 10.7%

FundIBOXX UK Sterling Non-Gilts All Maturities(no formal benchmarks, used for comparison only)

Source: Financial Express and Rathbones

Practical informationTrustee: National Westminster Bank Plc.

Additional information: This Key Investor InformationDocument (KIID) may not contain all the information youneed. For additional information on the fund (including theSupplementary Information Document), on other units of thisfund and on other funds, or to obtain a free copy of the fund’sProspectus or the annual and semi-annual unitholder reports,call the Information Line or write to the registered office, at theaddress below. Alternatively, visit www.rutm.com. TheProspectus and unitholder reports are in English.

For fund performance and most recent unit price, go torutm.com.

The up-to-date remuneration policy of the fund manager,including, but not limited to, a description of how remunerationand benefits are calculated, the identity of persons responsiblefor awarding the remuneration and benefits, including thecomposition of the remuneration committee, is available free ofcharge upon request at the fund manager’s registered office. Asummary thereof is available on rutm.com/pi/faq.aspx.

Tax: Investors should note that the tax legislation that appliesto the fund may have an impact on the personal tax position oftheir investment in the fund.

Contact your adviser to discuss tax treatment and thesuitability of this investment.

Notices: Rathbone Unit Trust Management Limited may beheld liable solely on the basis of any statement contained inthis document that is misleading, inaccurate or inconsistentwith the relevant parts of the Prospectus for the fund.

Address: Rathbone Unit Trust Management Limited8 Finsbury Circus, London EC2M 7AZ

Information line: 020 7399 0399

Telephone: 020 7399 0000

Facsimile: 020 7399 0057

Email: [email protected]

Website: rutm.com

A member of the Rathbone Group. Registered No. 2376568

Publication date: This Key Investor Information Document isaccurate as at 12 June 2017.

This fund and Rathbone Unit Trust Management Limited areauthorised and regulated by the Financial Conduct Authority(FCA).

2 of 2

This document provides you with key investor information about this fund. It is not marketing material. Theinformation is required by law to help you understand the nature and the risks of investing in this fund. You are advisedto read it so you can make an informed decision about whether to invest.

Objectives and investment policyObjective The Fund aims to provide growth in the value of yourinvestment over time, by investing mainly in UK shares and UKfixed income bonds. The Fund is also invested in other types ofinvestment, such as overseas shares, overseas government bonds,overseas corporate bonds, cash, property-related investments andderivatives.Policy The investments picked for this Fund are chosen becausethey have a net positive benefit on society, either through theproducts and services they offer, or in the way they conduct theirbusiness. This means the Fund will not invest in all areas of themarket. Between 20-60% of the Fund’s investments are in theshares of companies. At least half of the Fund will be invested inshares and securities of UK companies. At least 30% of the Fund’sinvestments are in bonds issued by governments or investmentgrade companies.Recommendation This Fund may not be appropriate forinvestors who plan to withdraw their money within five years. Youshould aim to keep your units for at least five years, although youcan sell them at any time.

Concepts to understandBonds Securities that represent an obligation to repay a debt,with interest. High quality bonds are those that are viewed asbeing highly likely to make all scheduled payments of interest andprincipal. Low quality bonds carry higher risk but also typicallypay higher rates of interest.Derivative A financial instrument whose price is dependent uponor derived from one or more underlying asset.UK companies Companies which are established in the UK orwhich carry out a significant part of their business activities in theUK.Overseas companies Companies which are established outsideof the UK or which carry out a significant part of their businessactivities outside of the UK.You can buy and sell your shares on each working day, except publicholidays, at 12:00 noon if you tell us before 12:00 noon that youwant to do so. Instructions received after 12:00 noon will beprocessed at 12:00 noon on the following working day.The following share classes are available for the Fund: Income A,Income B, Accumulation B, Income C, Accumulation C, Income Dand Accumulation D. All share classes are subject to a minimuminvestment. If this is an income share class, any net income will bepaid out to you. If this is an accumulation share class, any netincome will be reinvested in the Fund.


1 2 3 4 5 6 7

Lower potential risk/reward Higher potential risk/reward

The risk and reward indicator is not a measure of the expected riseor fall in capital but shows how sharply the Fund’s share price hasgone up and down historically.A fund whose share price has experienced sharp or large increasesor decreases will sit in a higher risk category, whereas a fundwhose share price has experienced small or gradual increases ordecreases will sit in a lower risk category.The Fund is shown in risk category 4 because its simulated unitprice has shown a medium level of volatility historically. As aninvestment, bonds are typically more volatile than money marketinstruments but less volatile than shares. This Fund has a mixtureof all of these investments.The indicator has been calculated using simulated historical dataand may not be a reliable indication of the future risk profile of theFund. The indicator is calculated using a standard methodologythat is used by all companies offering such funds in Europe.The risk/reward indicator is an estimate and not a guarantee.Going forward, the Fund’s actual volatility could be higher orlower, and its rated risk/reward profile could change. The lowestrisk category does not mean the investment is risk free.The risk indicator does not adequately capture the following risks,which are materially relevant to the Fund:Concentration Risk: Funds which invest in a smaller number ofsecurities can carry more risk than funds spread across a largernumber of companies. To the extent that the Fund has exposure toan issuer, geographical area or type of security that is heavilyaffected by an event, either positive or negative, its value may riseor fall.Credit Risk: Issuers of certain fixed income securities couldbecome unable to make income or capital payments on their debt.As such the value of a security will fall in the event of a ratingdowngrade or default of the issuer. In general fixed incomesecurities that pay a higher level of income usually have a lowercredit rating because of the increased risk of default.Interest Rate Risk: Fixed interest securities are particularlyaffected by trends in interest rates and inflation. If interest rates goup, the value of capital may fall, and vice versa. Inflation will alsodecrease the real value of capital.Exchange Rate Risk: Investing in assets denominated in acurrency other than the base currency of the Fund means the valueof the investment can be affected by changes in exchange rates.Liquidity Risk: In difficult market conditions the value of certainfund investments may be less predictable than normal. In somecases this may make such investments harder to sell at the lastquoted market price, or at a price considered to be fair. Suchconditions could result in unpredictable changes in the value ofyour holding.For full details of the Fund’s risks, please see the prospectus whichmay be obtained from (www.rlam.co.uk/Home/Individual-Investor/Fund-Performance--Prices/)


Royal London Sustainable Diversified Trust(Class C Accumulation)ISIN: GB00B79LTQ12This Fund is managed by RLUM Limited

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ChargesThe entry and exit charge is the maximum that might be taken outof your money before it is invested or before the proceeds of yourinvestment are paid out.


Entry charge 0.00%

Exit charge 0.00%


Ongoing charge 0.77%


Performance fee noneThe entry and exit charges shown are the maximum that may becharged. In some cases you may pay less.The charges you pay are used to pay the costs of running the Fund.These charges reduce the potential growth of the investment.The ongoing charges figure is based on expenses as at 31 January2017. This figure may vary from year to year and does not includeportfolio transaction costs. Ongoing charges are the same for allinvestors.For more information about charges please see the Fund’sprospectus, available at (www.rlam.co.uk/Home/Individual-Investor/Fund-Performance--Prices/)

Past performanceThis chart shows the percentage change in value of a lump suminvestment, with the highest ongoing charges (Class A units*)deducted and any income added back to the Fund since launch.These results do not reflect any entry charges you might have topay.Past performance is not a guide to future performance.Remember that the value of an investment as well as any incomegenerated from it can go down as well as up.Performance of these units is calculated in pound sterling.This Fund was launched on the 24 July 2009 and the share class on26 November 2012.(* Details of A Class unit can be found in the Prospectus)

The Royal London Sustainable Diversified Trust(Class C Accumulation) in GBP

-2%

0%

2%

4%

6%

8%

10%

12%

14%

16%

2007 2008 2009 2010 2011 2012 2013 2014 2015 2016

13.1

-0.7

14.6

12.7

8.5

5.0

12.0

FundSource: RLAM and Datastream as at 31 December 2016


Trustee: HSBC Bank plc

Additional Information: This Key Investor InformationDocument (KIID) may not contain all the information youneed. For additional information on the Fund (including theSupplementary Information Document), on other shareclasses of this Fund and on other funds, or to obtain a freecopy of the Fund’s Prospectus or the annual and semi-annual shareholder reports, call the information line orwrite to Royal London Asset Management Limited, details ofwhich are below. Alternatively, visit www.rlam.co.uk. TheProspectus and shareholder reports are in English.

This KIID describes one share class of the Fund. TheProspectus and annual and semi-annual shareholder reportsare prepared for the entire Fund across all share classes.

For fund performance and most recent share price, go towww.rlam.co.uk

Should you wish to switch share classes or funds, please seethe “Switching” section of the Prospectus for details.

Tax: Investors should note that the tax legislation thatapplies to the Fund may have an impact on the personal taxposition of their investment in the Fund.

Contact your adviser to discuss tax treatment, suitability ofthis investment, and other questions.

Notices: RLUM Limited may be held liable solely on thebasis of any statement contained in this document that ismisleading, inaccurate or inconsistent with the relevantparts of the Prospectus for the Fund.

Details of the Company's remuneration policy are availableat www.rlam.co.uk including: (a) a description of howremuneration and benefits are calculated; and (b) theidentities of persons responsible for awarding remunerationand benefits. A paper copy of these details may be obtained,free of charge, on request from the Company, at the addressbelow.

This Fund is authorised in the United Kingdom andregulated by the Financial Conduct Authority (FCA).

Address: Royal London Asset Management55 Gracechurch Street, London EC3V 0RL

Telephone: 0800 195 1000

Website: www.rlam.co.uk

A member of the Investment Association

Publication Date: This Key Investor Information isaccurate as at 30 August 2017.

Key Investor Information 2 of 2 Royal London Sustainable Diversified Trust(Class C Accumulation)

This document provides you with key investor information about this fund. It is not marketing material. Theinformation is required by law to help you understand the nature and the risks of investing in this fund. You are advisedto read it so you can make an informed decision about whether to invest.

Objectives and investment policyObjective The Fund aims to provide growth in the value of yourinvestment over time, by investing primarily in shares but withsome fixed interest securities, on a global basis. The Fund is alsoinvested in other types of investment, such as cash, property-related investments and derivatives.Policy The investments picked for this Fund are chosen becausethey have a net positive benefit on society either through theproducts and services they offer, or in the way they conduct theirbusiness. This means the Fund will not invest in all areas of themarket. Between 60-85% of the Fund’s investments are in theshares of companies (at least half of which must be shares inoverseas companies). At least 15% of the Fund’s investments are inbonds issued by governments or investment grade companies. Atleast 50% of the Fund will be held in pound sterling or euros.Recommendation This Fund may not be appropriate forinvestors who plan to withdraw their money within five years. Youshould aim to keep your units for at least five years, although youcan sell them at any time.

Concepts to understandBonds Securities that represent an obligation to repay a debt,with interest. High quality bonds are those that are viewed asbeing highly likely to make all scheduled payments of interest andprincipal. Low quality bonds carry higher risk but also typicallypay higher rates of interest.UK companies Companies which are established in the UK orwhich carry out a significant part of their business activities in theUK.Overseas companies Companies which are established outsideof the UK or which carry out a significant part of their businessactivities outside of the UK.Derivative A financial instrument whose price is dependent uponor derived from one or more underlying asset.You can buy and sell your shares on each working day, except publicholidays, at 12:00 noon if you tell us before 12:00 noon that youwant to do so. Instructions received after 12:00 noon will beprocessed at 12:00 noon on the following working day.The following share classes are available for the Fund: Income A,Income B, Accumulation B, Income C, Accumulation C, Income Dand Accumulation D. All share classes are subject to a minimuminvestment. If this is an income share class, any net income will bepaid out to you. If this is an accumulation share class, any netincome will be reinvested in the Fund.


1 2 3 4 5 6 7

Lower potential risk/reward Higher potential risk/reward

The risk and reward indicator is not a measure of the expected riseor fall in capital but shows how sharply the Fund’s share price hasgone up and down historically.A fund whose share price has experienced sharp or large increasesor decreases will sit in a higher risk category, whereas a fundwhose share price has experienced small or gradual increases ordecreases will sit in a lower risk category.The Fund is shown in risk category 5 because its simulated unitprice has shown a medium to high level of volatility historically. Asan investment, bonds are typically more volatile than moneymarket instruments but less volatile than shares. This Fund hashistorically been primarily invested in shares.The indicator has been calculated using simulated historical dataand may not be a reliable indication of the future risk profile of theFund. The indicator is calculated using a standard methodologythat is used by all companies offering such funds in Europe.The risk/reward indicator is an estimate and not a guarantee.Going forward, the Fund’s actual volatility could be higher orlower, and its rated risk/reward profile could change. The lowestrisk category does not mean the investment is risk free.The risk indicator does not adequately capture the following risks,which are materially relevant to the Fund:Concentration Risk: Funds which invest in a smaller number ofsecurities can carry more risk than funds spread across a largernumber of companies. To the extent that the Fund has exposure toan issuer, geographical area or type of security that is heavilyaffected by an event, either positive or negative, its value may riseor fall.Credit Risk: Issuers of certain fixed income securities couldbecome unable to make income or capital payments on their debt.As such the value of a security will fall in the event of a ratingdowngrade or default of the issuer. In general fixed incomesecurities that pay a higher level of income usually have a lowercredit rating because of the increased risk of default.Interest Rate Risk: Fixed interest securities are particularlyaffected by trends in interest rates and inflation. If interest rates goup, the value of capital may fall, and vice versa. Inflation will alsodecrease the real value of capital.Exchange Rate Risk: Investing in assets denominated in acurrency other than the base currency of the Fund means the valueof the investment can be affected by changes in exchange rates.Liquidity Risk: In difficult market conditions the value of certainfund investments may be less predictable than normal. In somecases this may make such investments harder to sell at the lastquoted market price, or at a price considered to be fair. Suchconditions could result in unpredictable changes in the value ofyour holding.For full details of the Fund’s risks, please see the prospectus whichmay be obtained from (www.rlam.co.uk/Home/Individual-Investor/Fund-Performance--Prices/)


Royal London Sustainable World Trust(Class C Accumulation)ISIN: GB00B882H241This Fund is managed by RLUM Limited

1 of 2

ChargesThe entry and exit charge is the maximum that might be taken outof your money before it is invested or before the proceeds of yourinvestment are paid out.


Entry charge 0.00%

Exit charge 0.00%


Ongoing charge 0.78%


Performance fee noneThe entry and exit charges shown are the maximum that may becharged. In some cases you may pay less.The charges you pay are used to pay the costs of running the Fund.These charges reduce the potential growth of the investment.The ongoing charges figure is based on expenses as at 31 March2017. This figure may vary from year to year and does not includeportfolio transaction costs. Ongoing charges are the same for allinvestors.For more information about charges please see the Fund’sprospectus, available at (www.rlam.co.uk/Home/Individual-Investor/Fund-Performance--Prices/)

Past performanceThis chart shows the percentage change in value of a lump suminvestment, with the highest ongoing charges (Class A units*)deducted and any income added back to the Fund since launch.These results do not reflect any entry charges you might have topay.Past performance is not a guide to future performance.Remember that the value of an investment as well as any incomegenerated from it can go down as well as up.Performance of these units is calculated in pound sterling.This Fund was launched on the 21 September 2009 and the shareclass on 26 November 2012.(* Details of A Class unit can be found in the Prospectus)

The Royal London Sustainable World Trust(Class C Accumulation) in GBP

0%

5%

10%

15%

20%

25%

2007 2008 2009 2010 2011 2012 2013 2014 2015 2016

12.1

0.3

14.4

22.6

10.2 9.3

16.3

FundSource: RLAM and Datastream as at 31 December 2016


Trustee: HSBC Bank plc

Additional Information: This Key Investor InformationDocument (KIID) may not contain all the information youneed. For additional information on the Fund (including theSupplementary Information Document), on other shareclasses of this Fund and on other funds, or to obtain a freecopy of the Fund’s Prospectus or the annual and semi-annual shareholder reports, call the information line orwrite to Royal London Asset Management Limited, details ofwhich are below. Alternatively, visit www.rlam.co.uk. TheProspectus and shareholder reports are in English.

This KIID describes one share class of the Fund. TheProspectus and annual and semi-annual shareholder reportsare prepared for the entire Fund across all share classes.

For fund performance and most recent share price, go towww.rlam.co.uk

Should you wish to switch share classes or funds, please seethe “Switching” section of the Prospectus for details.

Tax: Investors should note that the tax legislation thatapplies to the Fund may have an impact on the personal taxposition of their investment in the Fund.

Contact your adviser to discuss tax treatment, suitability ofthis investment, and other questions.

Notices: RLUM Limited may be held liable solely on thebasis of any statement contained in this document that ismisleading, inaccurate or inconsistent with the relevantparts of the Prospectus for the Fund.

Details of the Company's remuneration policy are availableat www.rlam.co.uk including: (a) a description of howremuneration and benefits are calculated; and (b) theidentities of persons responsible for awarding remunerationand benefits. A paper copy of these details may be obtained,free of charge, on request from the Company, at the addressbelow.

This Fund is authorised in the United Kingdom andregulated by the Financial Conduct Authority (FCA).

Address: Royal London Asset Management55 Gracechurch Street, London EC3V 0RL

Telephone: 0800 195 1000

Website: www.rlam.co.uk

A member of the Investment Association

Publication Date: This Key Investor Information isaccurate as at 30 August 2017.

Key Investor Information 2 of 2 Royal London Sustainable World Trust(Class C Accumulation)

This indicator reflects the volatility of the fund's share price over the last five yearswhich in turn reflects the volatility of the underlying assets in which the fund invests.Historical data may not be a reliable indication for the future.

As the fund does not have a history of five years, a comparable fund or arepresentative benchmark has been used to show how the fund's share price mayhave behaved over the period.

The current rating is not guaranteed and may change if the volatility of the assets inwhich the fund invests changes.

The lowest rating does not mean risk free.

The fund is rated as {4} because of the extent to which the following risk factors apply:

(a) The fund invests in securities which are subject to the risk that the issuer maydefault on interest or capital payments.

(b) The fund price can go up or down daily for a variety of reasons including changesin interest rates, inflation expectations or the perceived credit quality of individualcountries or securities.

(c) The use of derivatives carries the risk of reduced liquidity, substantial loss andincreased volatility in adverse market conditions, such as a failure amongstmarket participants. The use of derivatives may result in the fund being leveraged(where market exposure and thus the potential for loss by the fund exceeds the

amount it has invested) and in these market conditions the effect of leverage willbe to magnify losses. The fund makes routine use of derivatives.

(d) The fund invests in high yielding bonds which carry a greater risk of default thanthose with lower yields.

The fund employs a single swinging pricing methodology to protect against thedilution impact of transaction costs. A change in the pricing basis will result inmovement in the fund's published price.

All investment involves risk. This fund offers no guarantee against loss or that thefund's objective will be attained.

Past performance is not a guide to future returns and future returns are notguaranteed. The price of assets and the income from them may go down as well as upand cannot be guaranteed; an investor may receive back less than their originalinvestment.

Inflation reduces the buying power of your investment and income.

The value of assets held in the fund may rise and fall as a result of exchange ratefluctuations.

The fund could lose money if an entity (counterparty) with which it does businessbecomes unwilling or unable to honour its obligations to the fund.

In extreme market conditions some securities may become hard to value or sell at adesired price. This could affect the fund's ability to meet redemptions in a timelymanner.

The fund could lose money as the result of a failure or delay in operational processesand systems including but not limited to third party providers failing or going intoadministration.


This document provides you with key investor information about this fund. It is not marketing material. The information is required by law to help you understand the nature andthe risks of investing in this fund. You are advised to read it so you can make an informed decision about whether to invest.

Standard Life Investments Ethical Corporate Bond Fund, a Sterling denominated subfund of the Standard Life Investment Company II, Platform 1 Income Shares (ISIN:GB00B4LQ8T99).This fund is managed by Standard Life Investments (Mutual Funds) Limited.

Objectives and Investment PolicyThe fund aims to provide a level of income, before charges, above that available on UKGovernment bonds by investing predominantly in investment grade bonds.

The fund is actively managed by our investment teams who may invest in a wide rangeof bonds (e.g. corporate bonds including sub investment grade bonds, overseasbonds, index-linked bonds, floating rate notes (FRNs) and asset backed securities(ABSs) and/or money market instruments) in order to take advantage of opportunitiesthey have identified and which meet our strict ethical criteria. These criteria are agreedwith the Standard Life Ethical Funds Advisory Group and may be amended from time totime if considered appropriate. The fund manager will exclude companies which fail tomeet the ethical criteria whilst seeking to include companies whose businessactivities are regarded as making a positive contribution to society.

The fund will routinely use derivatives to reduce risk or cost, or to generate additionalcapital or income at proportionate risk (Efficient Portfolio Management) or to meet itsinvestment objective. Derivatives may be used to provide market exposures differentto those that could be achieved through investment in assets in which the fund isprimarily invested. Usage of derivatives is monitored to ensure that the fund is notexposed to excessive or unintended risks.

Any income, for example interest income, received by the fund will be distributed.

Investors in the fund may buy and sell shares on any normal business day.

Recommendation: the fund may not be appropriate for investors who plan to withdrawtheir money within five years. Investors should satisfy themselves that their attitude torisk aligns with the risk profile of this fund before investing.

Risk and Reward Profile

1 2 3 5 6 744

Lower risk Higher risk

Typically lower rewards Typically higher rewards

Performance has been calculated over the stated period based on the share price ofthis share class. It does not take into account any entry, exit or switching charges butdoes take into account the ongoing charge, as shown in the Charges section.

Past performance is not a guide to future performance

The fund was launched in 2005. The share class was launched in 2012.

The performance of the share class is calculated in Sterling.

ChargesThe charges you pay are used to pay the costs of running the fund including marketingand distributing it. These charges reduce the potential growth of your investment.

One off charges taken before or after you invest

Entry charge: 0.00%Exit charge: 0.00%

This is the maximum that might be taken out of your money before it isinvested/before the proceeds of your investment are paid out.


Ongoing charges: 0.66%


Performance Fees: None

The entry and exit charges shown are maximum figures. In some cases you might payless - you can find this out from your financial adviser.

The ongoing charges figure reflects the amount based on expenses for the year ending31/10/2016. This figure may vary from year to year. It excludes: performance fees(where applicable); portfolio transaction costs, except in the case of an entry/exitcharge paid by the fund when buying or selling in another collective investmentundertaking.

A switching charge may be applied in accordance with the Prospectus. For moreinformation about charges please see Prospectus.

For more information about charges, please see the Prospectus which is available atwww.standardlifeinvestments.com.

Past PerformanceStandard Life Investments Ethical Corporate Bond Fund, Platform 1 Income Shares, 31December 2016% Returns

Year

1.3

9.7

-0.1

9.4

2012 2013 2014 2015 2016-2

-1

0

1

2

3

4

5

6

7

8

9

10

11

Source: Standard Life Investments

Practical InformationName of Depositary: Citibank Europe plc, UK Branch, Citigroup Centre, Canada Square,Canary Wharf, London E14 5LB.

Further information about Standard Life Investment Company II (Prospectus, report &accounts) can be found at www.standardlifeinvestments.com, where documents maybe obtained free of charge.

Other practical information (e.g. where to find latest share prices) can be found indocuments held at www.standardlifeinvestments.com.

Details of the up to date remuneration policy which includes a description of howremuneration and benefits are calculated, the identities of the persons responsible forawarding remuneration and benefits and the composition of the remunerationcommittee, are available at www.standardlifeinvestments.com and a paper copy willbe available free of charge upon request from Standard Life Investments (MutualFunds) Limited.

Prospective investors should consult their own professional advisers on the potentialtax consequences of acquiring, holding or selling shares.

Standard Life Investments (Mutual Funds) Limited may be held liable solely on thebasis of any statement contained in this document that is misleading, inaccurate or

inconsistent with the relevant parts of the Prospectus for the Standard Life InvestmentCompany II.

Other share classes are available in the fund and further information about these canbe found in the Standard Life Investment Company II Prospectus.

Standard Life Investment Company II is an umbrella structure comprising a number ofdifferent sub funds, one of which is this fund.

This document is specific to the fund and share class stated at the beginning of thisdocument. However, the Prospectus, annual and half-yearly reports are prepared forthe entire umbrella.

The assets of a sub fund within the umbrella belong exclusively to that sub fund andshall not be used or made available to discharge (directly or indirectly) the liabilitiesof, or claims against, any other person or body including Standard Life InvestmentCompany II and any other sub fund. Any liability incurred on behalf of or attributableto any sub fund shall be discharged solely out of the assets of that sub fund.

Investors may switch their shares in the fund for shares in another sub fund withinStandard Life Investment Company II. For further information please refer to theprospectus (section on 'Switching') which can be found atwww.standardlifeinvestments.com.

The Standard Life Investment Company II and Standard Life Investments (Mutual Funds) Limited are authorised in the United Kingdom and regulated by the Financial ConductAuthority. This Key Investor Information is accurate at 29/9/2017

Standard Life Investments Limited is registered in Scotland (SC123321) at 1 George Street Edinburgh EH2 2LL and is authorised and regulated in the UK by the Financial Conduct Authority.

KIID_X3_33_Inc_N_GBP_GB_EN_29092017

NON-UCITS RETAIL SCHEME KEY INVESTOR INFORMATIONThis document provides you with key investor information about this fund. It is not marketingmaterial. The information is required by law to help you understand the nature and the risks ofinvesting in this fund. You are advised to read it so you can make an informed decision aboutwhether to invest.

THREADNEEDLE UK SOCIAL BOND FUND (THE "FUND")Class Z Income Shares (GBP) GB00BF233915, a sub-fund of Threadneedle Opportunity Investment Funds ICVC (the "Company"), regulated bythe FCA.This sub-fund is managed by Threadneedle Investment Services Limited (the "Management Company") (part of the Columbia andThreadneedle group of companies).

Objectives and Investment PolicyThe aim of the Fund is to provide both income and the potential togrow the amount you invested. The Fund’s investments aim tosupport socially beneficial activities and developments.

At least two-thirds of the assets of the Fund will be in bonds that areissued in the UK.

The Fund invests in bonds (which are similar to a loan and pay afixed or variable interest rate) issued by companies, governments,voluntary organisations and/or charities that engage in sociallybeneficial activities and development. Investments are assessed bythe fund manager by reference to a social assessment methodologydeveloped by Big Issue Invest and the Management Company. Thisassessment is reviewed at least quarterly by an advisory committeewith two-thirds of its members being nominated by Big Issue Invest.

The Fund may also invest in asset classes and instruments differentfrom those stated above.

Any income the Fund generates will be paid to you, unless you havechosen to have it reinvested.

You can buy and sell shares in the Fund on any day that is abusiness day in London. You can find more detail on the objectivesand investment policy of the Fund in the section of the prospectuswith the heading “Investment Objectives, Policies and Other Detailsof the Funds”, and in Appendix I.

As part of the investment process, the Fund will make reference tothe ML Sterling Non-Gilts (1-10 Y) Index from 06/04/2017.Previously, the Fund made reference to no index. However, theFund makes active investment decisions and it is likely thatadditional positions will be held outside the index.

Risk and Reward ProfileThe Risk and Reward Indicator table demonstrates where the Fundranks in terms of its potential risk and reward. The higher the rankthe greater the potential reward but the greater the risk of losingmoney. It is based on past data, may change over time and may notbe a reliable indication of the future risk profile of the Fund. Theshaded area in the table below shows the Fund’s ranking on theRisk and Reward Indicator.

Lower Risk,Typically lower rewards

Higher Risk,Typically higher rewards

1 2 3 4 5 6 7

nThe Fund is rated 3 because historically it has shown a medium tolow level of volatility (how much the value of the Fund goes up anddown).nThe lowest category does not mean a risk-free investment.nThe value of investments can fall as well as rise and investors

might not get back the sum originally invested. nThe Fund aims to invest in assets that are deemed to be

supporting and funding socially beneficial activities anddevelopment and utilises a Social Assessment Methodology. Thiswill affect the Fund’s exposure to certain issuers, industries,sectors, and regions, and may impact the relative performance ofthe Fund positively or negatively, depending on whether suchinvestments are in or out of favour.nThe Fund invests in securities whose value would be significantly

affected if the issuer refused, was unable to or was perceived tobe unable to pay.nThe Fund holds assets which could prove difficult to sell. The

Fund may have to lower the selling price, sell other investments orforego more appealing investment opportunities.nChanges in interest rates are likely to affect the Fund’s value. In

general, as interest rates rise, the price of a fixed rate bond willfall, and vice versa.nThe Fund may invest in derivatives with the aim of reducing risk or

minimising the cost of transactions. Such derivative transactionsmay benefit or negatively affect the performance of the Fund. TheManager does not intend that such use of derivatives will affectthe overall risk profile of the Fund.nAll the risks currently identified as being applicable to the Fund are

set out in the “Risk Factors” section of the prospectus.

Page 1 of 2


One-off charges taken before or after you investEntry Charge: 0.00%Exit Charge: 0.00%These are the maximum charges that we might take out of yourmoney before it is invested. In some cases, you might pay lessand you should speak to your financial adviser about this.

Charges taken from the fund over a yearOngoing Charges: 0.45%Charges taken from the fund under specific conditionsPerformance Fee: NONE

The ongoing charges figure is based on expenses for the yearending 25/05/16. This figure may vary from year to year. It excludesthe costs of buying or selling assets for the Fund (unless theseassets are shares of another fund).

Past Performance

-2%

0%

2%

4%

6%

8%

10%

12% Fund Index*

2012 2013 2014 2015 2016-- -- 11.1 -0.0 9.2-- -- n/a n/a n/a

Source: Morningstar

Past performance is not a guide to future performance.Fund launch date: 04/12/2013Share/unit class launch date: 04/12/2013Performance is calculated in GBP.All charges and fees, except any entry, exit and switchingcharge, have been included within the performance.*ML Sterling Non-Gilts (1-10 Y) (Although the Fund makesreference to the index as part of the investment process, it is notintended that the performance of the Fund should track theindex.)

Practical InformationnDepositary: Citibank Europe plc, UK branch.nYou can obtain further information regarding the Fund, the Company, its Prospectus, latest annual reports and any subsequent half-yearly

reports free of charge from the Management Company. The documents are available in English. You can obtain other practicalinformation, including current share prices, at columbiathreadneedle.com.nDetails of the remuneration policy, including a description of how remuneration and benefits are calculated and the persons responsible for

awarding them (including the composition of the remuneration committee), are available at columbiathreadneedle.com. A paper copy isavailable free of charge upon request.nThe tax legislation of the United Kingdom may have an impact on your personal tax position.nThreadneedle Investment Services Limited may be held liable solely on the basis of any statement contained in this document that is

misleading, inaccurate or inconsistent with the relevant parts of the prospectus for the Non-UCITS.nThis document describes a single fund of the Company. The prospectus and reports are prepared for the entire Company.nThe assets of the Fund are segregated by law cannot be used to pay the liabilities of other funds of the Company.nYou may exchange your shares for shares of other funds of the Company, if available. Details can be found in the section of the

prospectus with the heading "Switching/Converting". Details of other share classes of the Fund can be found in the Prospectus or atcolumbiathreadneedle.com.

This Fund is authorised in the United Kingdom, and regulated by the Financial Conduct Authority. Threadneedle Investment ServicesLimited is authorised in the United Kingdom, and regulated by the Financial Conduct Authority.

This Key Investor Information is accurate as at 07/04/2017. Page 2 of 2en-GB

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