Charges The charges are used to pay the costs of running the Fund, including the costs of marketing and distributing it. These charges reduce the pote

Transcription

1 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 risks of investing in this Fund. You are advised to read it so you can make an informed decision about whether to invest. Class D Accumulating GBP BlackRock Cash Fund ISIN: GB00B4V7NX8 Manager: BlackRock Fund Managers Limited Objectives and Investment Policy The Fund aims to achieve a competitive rate of interest on your investment, consistent with maintaining capital and ensuring that its underlying assets can easily be bought or sold in the market (in normal market conditions). The Fund invests principally in cash, deposits and money-market instruments (i.e. debt securities with short-term maturities) denominated in Sterling. The money-market instruments will be issued by both UK and non-uk governments, government agencies, companies and supranationals (e.g. the International Bank for Reconstruction and Development) and will be investment grade (i.e. meet a specified level of credit worthiness) at the time of purchase. The investment adviser has discretion to select the Fund's investments. The Fund is a "Short-Term Money Market Fund" as defined by the European Securities and Markets Authority. Recommendation: This Fund may not be appropriate for investors who seek long-term capital growth. Your units will be accumulating (i.e. dividend income will be included in their value). Your units will be denominated in Sterling, the Fund's base currency. You can buy and sell your units daily. The minimum initial investment for this unit class is 00,000. For more information on the Fund, share/unit classes, risks and charges, please see the Fund's prospectus, available on the product pages at Risk and Reward Profile Lower risk Higher risk Typically lower rewards 2 Typically higher rewards The risk indicator was calculated incorporating simulated historical data and may not be a reliable indication of the future risk profile of the Fund. The risk category shown is not guaranteed and may change over time. The lowest category does not mean risk free. The Fund is rated one due to the nature of its investments which include the risks listed below. These factors may impact the value of the Fund s investments or expose the Fund to losses. - Credit risk, changes to interest rates and/or issuer defaults will have a significant impact on the performance of fixed income securities. Potential or actual credit rating downgrades may increase the level of risk. Particular risks not adequately captured by the risk indicator include: - Counterparty Risk: The insolvency of any institutions providing services such as safekeeping of assets or acting as counterparty to derivatives or other instruments, may expose the Fund to financial loss. - Credit Risk: The issuer of a financial asset held within the Fund may not pay income or repay capital to the Fund when due.

2 Charges The charges 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. remaining 37.% will be received by BlackRock as the securities lending agent. As securities lending revenue sharing does not increase the costs of running the Fund, this has been excluded from the ongoing charges. The entry and exit charges shown are maximum figures. In some cases you might pay less. Please refer to your financial advisor or the distributor for the actual entry and exit charges. One-off charges taken before or after you invest * Subject to a charge of up to 2% paid into the Fund where the Manager suspects excessive trading by an investor. Exit Charge The ongoing charges figure is based on expenses for the twelve month period ending 4 January 206. This figure may vary from year to year. It excludes: Entry Charge * This is the maximum that might be taken out of your money before it is invested or before proceeds of your investments are paid out. Charges taken from the Fund over each year Portfolio trade-related costs, except costs paid to a custodian and any entry/exit charge paid by the Fund to an underlying collective investment scheme (if any). Ongoing Charges ** To the extent the Fund undertakes securities lending to reduce costs, the Fund will receive 62.% of the associated revenue generated and the Performance Fee 0.32%** Charges taken from the Fund under certain conditions Past Performance Past performance is not a guide to future performance. Historic performance to 3 December 20 The chart shows the Fund's annual performance in GBP for each full calendar year over the period displayed in the chart. It is expressed as a percentage change of the Fund's net asset value at each year-end. The Fund was launched in 990. The unit class was launched in 20. Performance is shown after deduction of ongoing charges. Any entry/exit charges are excluded from the calculation. 0 Fund Practical Information The trustee of the Fund is BNY Mellon Trust & Depositary (UK) Limited. The trustee has delegated the function of custodian of the Fund to the Bank of New York Mellon (International) Limited. Further information about the Fund can be obtained from the Fund's prospectus and the latest annual report and half-yearly reports of the Fund. These documents are available free of charge in English. These can be found, along with other information, such as unit prices, on the BlackRock website at or by calling Investor Services on Investors should note that the tax legislation that applies to the Fund may have an impact on the personal tax position of your investment in the Fund. BlackRock Fund 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 Fund's prospectus. With effect from March 206, the Remuneration Policy of the Management company, which describes how remuneration and benefits are determined and awarded, and the associated governance arrangements, is available at or on request from the registered office of the Management Company. This Fund is authorised in the UK and regulated by the Financial Conduct Authority. BlackRock Fund Managers Limited, the manager, is authorised in the UK and regulated by the Financial Conduct Authority. This Key Investor Information is accurate as at 8 February 206

3 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. Aberdeen European High Yield Bond I Acc (ISIN GB00BVSSV49) Aberdeen European High Yield Bond I Inc (ISIN GB00BMFPK2) A sub-fund of Aberdeen Investment Funds ICVC. Aberdeen Fund Managers Limited is the Authorised Corporate Director that manages the Fund. Objectives and investment policy Risk and reward profile To provide you with income and some capital growth by investing mostly in bonds (which are like loans that can pay a fixed or variable interest rate). The bonds will be issued by companies, governments and other organisations based in the UK or other European countries. Although they can be of any quality, the bonds will typically have lower ratings, as defined by international agencies that provide such ratings; these may pay higher rates of interest than bonds with higher ratings. 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. If you invest in income shares, income from investments in the Fund will be paid out to you. If you invest in accumulation shares, income will be rolled up into the value of your shares. Typically lower rewards, lower risk Recommendation: This Fund may not be appropriate for investors who plan to withdraw their money within years. 2 Typically higher rewards, higher risk This Fund is ranked at 4 because funds of this type have experienced average rises and falls in value in the past. You can normally submit instructions to buy and sell shares in the Fund, between 9am and pm, on any day which is a working day in London. However, please see for details of any nondealing days. Please note that even the lowest risk class can lose you money and that extreme market circumstances can mean you suffer severe losses in all cases. The indicator does not take into account the following risks of investing in this Fund: Further information on the Fund s investment objective and policy are detailed in the Prospectus. Exchange rates: Investing globally can bring additional returns and diversify risk. However, currency exchange rate fluctuations may have a positive or negative impact on the value of your investment. Bonds: Bonds are affected by changes in interest rates, inflation and any decline in creditworthiness of the bond issuer. Bonds that produce a higher level of income usually also carry greater risk as such bond issuers may not be able to pay the bond income as promised or could fail to repay the capital amount used to purchase the bond. Where a bond market has a low number of buyers and/ or a high number of sellers, it may be harder to sell particular bonds at an anticipated price and/or in a timely manner. A full list of risks applicable to this Fund can be found in the Prospectus. Page of 2.

4 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. One-off charges taken before or after you invest 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. The Ongoing Charges figure is an estimate 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. An estimate is used in order to provide the figure that will most likely be charged. Where the Fund invests in an open-ended collective investment scheme which is operated or managed by the ACD/the Manager or an associate of the ACD/the Manager, no additional annual management charge will be incurred by the Fund on such an investment. The annual report for each financial year will include detail on the exact charges made. The Ongoing Charge figure is as at 3/07/ Charges taken from the Fund over a year Ongoing charges 0.8% Charges taken from the Fund under specific conditions Performance fee NIL Past performance You should be aware that past performance is not a guide to future performance. Fund launch date: 09/03/20. Share/unit class launch date: 0/0/202. Performance is calculated in GBP. Performance, which is based on Accumulation share class, is net of charges (excluding entry charge) and net of tax. % Fund Source: FE 206 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 us (see below). Detailed information about the Fund, including its Prospectus, latest Annual and Half-Yearly reports and current share prices is available at Alternatively, please contact Aberdeen Fund Managers Limited, Freepost RTEU-YTET-HCAA, PO Box 9029, Chelmsford, CM99 2WJ. Telephone: customer.services@aberdeen-asset.com. The documents are available in English only. Aberdeen Investment Funds ICVC offers a range of funds with diversified investment objectives. The Prospectus, Annual and Half-Yearly reports cover all the funds within Aberdeen Investment Funds ICVC. In the unlikely event of one fund having debts, the assets of the other funds may not be used to settle these. The Fund s Authorised Corporate Director is Aberdeen Fund Managers Limited. The depositary of the Fund is BNP Paribas Securities Services, London branch. The tax legislation of the United Kingdom may have an impact on your personal tax position. Aberdeen Fund 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. Details of an up-to-date UCITS V Remuneration Policy Statement, including but not limited to, a description of how remuneration and benefits are calculated, and the identities of persons responsible for awarding remuneration and benefits, including the composition of the Remuneration Committee, are available at and a paper copy will be made available free of charge on request to the Authorised Corporate Director. The Fund is authorised and regulated by the Financial Conduct Authority in the United Kingdom. Aberdeen Fund Managers Limited is authorised and regulated by the Financial Conduct Authority in the United Kingdom. N2Z9 This Key Investor Information is accurate as at 06/07/206. Page 2 of 2.

5 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. FRAMLINGTON EQUITIES AXA Framlington Emerging Markets Fund Unit class: AXA Framlington Emerging Markets Fund Z Accumulation GBP (ISIN: GB00B4490M2) This Fund is managed by AXA Investment Managers UK Limited, part of the AXA IM Group Unit class Z Accumulation GBP (GB00B4490M2) is representative for Unit class Z Income GBP (GB00B403RF0). Objective and Investment Policy Fund Currency The reference currency of the Fund is Sterling. Investment Objective The aim of this Fund is to provide long-term capital growth. Investment Policy The Fund invests primarily in shares of large and medium sized listed companies which are based in countries which the fund manager believes are emerging markets and which the fund manager believes will provide above-average returns. The fund manager selects shares based upon analysis of a company's financial status, quality of its management, expected profitability and prospects for growth. Income Income from investments in the Fund may be paid out to you directly if you hold income units. Investment Horizon This Fund may not be suitable for investors who plan to withdraw their contribution within five years. Processing of subscription and redemption orders Your orders to buy, sell or transfer units in the Fund must be received by the Administrator by 2 noon on any working day, to receive that days Fund price. Please note that if your order is placed by an intermediary or Financial Adviser they may require extra processing time. The Net Asset Value of this Fund is calculated on a daily basis. Minimum initial investment: 00,000 Income from investments in the Fund will be rolled up into the value of your unit if you hold accumulation units. Minimum subsequent investment:,000 Risk and Reward Profile Currency Risk: the Fund holds investments denominated in currencies other than the base currency of the Fund. As a result, exchange rate movements may cause the value of investments (and any income received from them) to fall or rise effecting the Fund's value. Lower risk Higher risk Potentially lower reward 2 Potentially higher reward The risk category is calculated using historical performance data and may not be a reliable indicator of the Fund's future risk profile. The risk category shown is not guaranteed and may shift over time. The lowest category does not mean risk free. Why is this Fund in this category? The capital of the Fund is not guaranteed. The Fund is invested in financial markets and uses techniques and instruments which may be subject to sudden and significant variation, which may result in substantial gains or losses. Additional Risks Concentration Risk: as this Fund may, from time to time, hold relatively few investments, it may be subject to greater fluctuations in value than a fund holding a larger number of investments. Emerging Market Risks: emerging markets or less developed countries may face more political, economic or structural challenges than developed countries. As a result, investments in such countries may cause greater fluctuations in the Fund's value than investments in more developed countries. In addition the reliability of trading, settlement and custody systems in some emerging market countries may not be equal to more developed countries and result in greater operational and liquidity risk. Further explanation of the risks associated with an investment in this Fund can be found in the prospectus.

6 KEY INVESTOR INFORMATION FRAMLINGTON EQUITIES AXA Framlington Emerging Markets Fund Charges The charges you pay are used to pay the cost of running the fund, including the costs of marketing and distributing it. These charges reduce the potential growth of your investment. One-off charges taken before or after you invest Entry charge none Exit charge none This is the maximum that might be taken out of your money before it is invested. The ongoing charges figure is based on expenses for the twelve month period ending December 20. This figure may vary from year to year. It excludes: Q Performance fees Q Portfolio transaction costs, except in the case of an entry/exit charge paid by the Fund when buying or selling units in another collective investment undertaking For more information about charges, please refer to AXA IM website: as well as the Charges section of the prospectus which is available at Charges taken from the fund over a year Ongoing charge The entry and exit charges shown are maximum figures. In some cases, you might pay less - you can find this out from your Financial Adviser. 0.88% Charges taken from the fund under certain specific conditions Performance fee none Past Performance Q % Past performance is not a reliable indicator of future results. Past performance is shown after the deduction of ongoing charges. Any entry/exit fees are excluded from the calculation. AXA Framlington Emerging Markets Fund Z Accumulation GBP (GB00B4490M2) The Fund was launched on 3/2/992 and the unit in Past performance has been calculated in Sterling and is expressed as a percentage change of the Fund's Net Asset Value at each year end Practical Information Tax Legislation: the Fund is subject to the tax laws and regulations of the United Kingdom. Depending on your own country of residence this might have an impact on your investments. For further details, you should consult a tax adviser. Trustee: National Westminster Bank PLC Trustee & Depositary Services Younger Building st Floor 3 Redheughs Avenue Edinburgh EH2 9RH Specific Unit class Information: Unit class Z Accumulation GBP (GB00B4490M2) is representative for Unit class Z Income GBP (GB00B403RF0). Further information: more detailed information on this Fund, such as the prospectus as well as the latest annual and semi-annual report, can be obtained free of charge from the Fund's Management Company, the Administrator, the Fund's distributors or online at These documents are available in English. More units classes are available for this Fund. For more details about other units, please refer to the prospectus, which is available at Details of the up to date remuneration policy of the company are published online at This includes the description of how remuneration and benefits are awarded for employees, and information on the remuneration committee. The company provides a paper copy free of charge upon request. Liability Statement: AXA Investment Managers UK 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. Switching between Funds: unitholders may apply for their units to be converted into units of another Fund, provided that the conditions for accessing the target units are fulfilled. Investment would be at the Net Asset Value of the target fund, calculated on the Valuation Day following receipt of the conversion request. The redemption and subscription costs connected with the conversion may be charged to the unitholder as indicated in the prospectus. For more details about how to switch Fund, please refer to the section in the Fund's prospectus entitled "Can I switch units and what are the implications?", which is available at Net Asset Value Publication: the Net Asset Value per unit is available at and at the registered office of the Management Company. This Fund is authorised in the United Kingdom and regulated by the Financial Conduct Authority (FCA). AXA Investment Managers UK Limited is authorised in the United Kingdom and regulated by the Financial Conduct Authority (FCA). This key investor information is accurate as at 8/02/206.

7 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. FRAMLINGTON EQUITIES AXA Framlington Japan Fund Unit class: AXA Framlington Japan Fund Z Accumulation GBP (ISIN: GB00B7FSWP64) This Fund is managed by AXA Investment Managers UK Limited, part of the AXA IM Group Unit class Z Accumulation GBP (GB00B7FSWP64) is representative for Unit class Z Income GBP (GB00BRJZVR88). Objective and Investment Policy Fund Currency The reference currency of the Fund is Sterling. Investment Objective The aim of this Fund is to provide long-term capital growth. Investment Policy The Fund invests principally in shares of Japanese listed companies which the fund manager believes will provide above-average returns. The Fund invests in companies of any size. The fund manager selects shares based upon analysis of a company's financial status, quality of its management, expected profitability and prospects for growth. Income Income from investments in the Fund may be paid out to you directly if you hold income units. Investment Horizon This Fund may not be suitable for investors who plan to withdraw their contribution within five years. Processing of subscription and redemption orders Your orders to buy, sell or transfer units in the Fund must be received by the Administrator by 2 noon on any working day, to receive that days Fund price. Please note that if your order is placed by an intermediary or Financial Adviser they may require extra processing time. The Net Asset Value of this Fund is calculated on a daily basis. Minimum initial investment: 00,000 Income from investments in the Fund will be rolled up into the value of your unit if you hold accumulation units. Minimum subsequent investment:,000 Risk and Reward Profile be subject to sudden and significant variation, which may result in substantial gains or losses. Lower risk Higher risk Potentially lower reward 2 Potentially higher reward The risk category is calculated using historical performance data and may not be a reliable indicator of the Fund's future risk profile. The risk category shown is not guaranteed and may shift over time. The lowest category does not mean risk free. Why is this Fund in this category? The capital of the Fund is not guaranteed. The Fund is invested in financial markets and uses techniques and instruments which may Additional Risks Currency Risk: the Fund holds investments denominated in currencies other than the base currency of the Fund. As a result, exchange rate movements may cause the value of investments (and any income received from them) to fall or rise effecting the Fund's value. Further explanation of the risks associated with an investment in this Fund can be found in the prospectus.

8 KEY INVESTOR INFORMATION FRAMLINGTON EQUITIES AXA Framlington Japan Fund Charges The charges you pay are used to pay the cost of running the fund, including the costs of marketing and distributing it. These charges reduce the potential growth of your investment. One-off charges taken before or after you invest Entry charge none Exit charge none This is the maximum that might be taken out of your money before it is invested. The ongoing charges figure is based on expenses for the twelve month period ending December 20. This figure may vary from year to year. It excludes: Q Performance fees Q Portfolio transaction costs, except in the case of an entry/exit charge paid by the Fund when buying or selling units in another collective investment undertaking For more information about charges, please refer to AXA IM website: as well as the Charges section of the prospectus which is available at Charges taken from the fund over a year Ongoing charge The entry and exit charges shown are maximum figures. In some cases, you might pay less - you can find this out from your Financial Adviser. 0.88% Charges taken from the fund under certain specific conditions Performance fee none Past Performance Q % Past performance is not a reliable indicator of future results. Past performance is shown after the deduction of ongoing charges. Any entry/exit fees are excluded from the calculation. AXA Framlington Japan Fund Z Accumulation GBP (GB00B7FSWP64) 40 The Fund was launched on 29/02/984 and the unit in Past performance has been calculated in Sterling and is expressed as a percentage change of the Fund's Net Asset Value at each year end Practical Information Net Asset Value Publication: the Net Asset Value per unit is available at and at the registered office of the Management Company. Trustee: National Westminster Bank PLC Trustee & Depositary Services Younger Building st Floor 3 Redheughs Avenue Edinburgh EH2 9RH Tax Legislation: the Fund is subject to the tax laws and regulations of the United Kingdom. Depending on your own country of residence this might have an impact on your investments. For further details, you should consult a tax adviser. Further information: more detailed information on this Fund, such as the prospectus as well as the latest annual and semi-annual report, can be obtained free of charge from the Fund's Management Company, the Administrator, the Fund's distributors or online at Key Investor Information documents are available in English, French and German. More units classes are available for this Fund. For more details about other units, please refer to the prospectus, which is available at Details of the up to date remuneration policy of the company are published online at This includes the description of how remuneration and benefits are awarded for employees, and information on the remuneration committee. The company provides a paper copy free of charge upon request. Specific Unit class Information: Unit class Z Accumulation GBP (GB00B7FSWP64) is representative for Unit class Z Income GBP (GB00BRJZVR88). Liability Statement: AXA Investment Managers UK 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. Switching between Funds: unitholders may apply for their units to be converted into units of another Fund, provided that the conditions for accessing the target units are fulfilled. Investment would be at the Net Asset Value of the target fund, calculated on the Valuation Day following receipt of the conversion request. The redemption and subscription costs connected with the conversion may be charged to the unitholder as indicated in the prospectus. For more details about how to switch Fund, please refer to the section in the Fund's prospectus entitled "Can I switch units and what are the implications?", which is available at This Fund is authorised in the United Kingdom and regulated by the Financial Conduct Authority (FCA). AXA Investment Managers UK Limited is authorised in the United Kingdom and regulated by the Financial Conduct Authority (FCA). This key investor information is accurate as at 8/02/206.

9 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. Fidelity American Special Situations Fund a sub-fund of Fidelity Investment Funds W Accumulation Shares (ISIN: GB00B89ST706) This fund is managed by FIL Investment Services (UK) Limited Objectives and Investment Policy Aims to provide long-term capital growth. Invests primarily in the shares of US companies. Has the freedom to invest outside the fund's principal geographies, market sectors, industries or asset classes. Can use derivatives with the aim of risk or cost reduction or to generate additional capital or income in line with the fund's risk profile. The fund has discretion in its choices of investments within its objectives and policies. Income is accumulated in the share price. Shares can usually be bought and sold each business day of the fund. This fund may not be appropriate for investors who plan to sell their shares in the fund within years. Investment in the fund should be regarded as a long-term investment. Risk and Reward Profile Lower risk Higher risk Typically lower rewards 2 Typically higher rewards The risk category was calculated using historical performance data. The risk category may not be a reliable indication of the future risk profile of the fund, is not guaranteed and may change over time. The lowest category does not mean a "risk free" investment. The risk and reward profile is classified by the level of historical fluctuation of the Net Asset Values of the share class, and within this classification, categories -2 indicate a low level of historical fluctuations, 3- a medium level and 6-7 a high level. The value of your investment may fall as well as rise and you may get back less than you originally invested. Movements in currency exchange rates can adversely affect the return of your investment. The currency hedging may be used to minimise the effect of this but may not always be successful. The use of financial derivative instruments may result in increased gains or losses within the fund.

10 Key Investor Information Fidelity American Special Situations Fund Charges for this fund (ISIN: GB00B89ST706) 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. One-off charges taken before or after you invest N/A N/A Entry charge Exit charge This is the maximum that might be taken out of your money before it is invested or before the proceeds of your investment are paid out. Charges taken from the fund over a year 0.9% Ongoing charges Charges taken from the fund under certain specific conditions The entry and exit charges shown are maximum figures. In some cases you might pay less - you can find this out from your financial adviser / distributor. The ongoing charges figure is based on expenses for the year ending 29/02/206. This figure may vary from year to year. It excludes: performance fees (where applicable); portfolio transaction costs, except in the case of an entry/exit charge paid by the fund when buying or selling units in another collective investment undertaking. For more information about charges, please consult the charges section in the most recent Prospectus. Performance fee N/A Past Performance 27.6 Past performance is not a guide to future performance results. 204 If any, the past performance shown takes into account all ongoing charges with exception of any applicable entry/exit charges. The fund was launched on 0//980. This class was launched on /0/202. Past performance has been calculated in GBP % 30% 2% 20% % 0% % 0% Class If applicable, events in the fund's life which may have affected the performance history are highlighted as an '*' in the chart, which may include changes to the fund's objective and details of such events can be found on our website. If applicable, the Investment Objective section shall refer to a benchmark and information on previous benchmarks may be found in the Annual Report and Accounts. Practical Information The depositary is J.P.Morgan Europe Limited. For more information, please consult the Prospectus and latest Reports and Accounts which can be obtained free of charge in English and other main languages from the Fund Manager, the distributors or online at any time. The Net Asset Values per Share are available at the registered office of the Fund Manager. They are also published online at where other information is available. The tax legislation in United Kingdom may have an impact on your personal tax position. For further details you should consult a tax advisor. This document describes a sub-fund and share class of Fidelity Investment Funds (the 'investment company'). The Prospectus and Reports and Accounts are prepared for the entire investment company. FIL Investment Services (UK) 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 investment company. The assets and liabilities of each sub-fund of Fidelity Investment Funds are segregated by law and with that assets of this sub-fund will not be used to pay liabilities of other sub-funds. More share classes are available for this investment company. Details can be found in the Prospectus. You have the right to switch from this share class into the same or possibly other share class types of this or another sub-fund. Details on switching rules can be found in the Prospectus. Country in which this fund is authorised: United Kingdom. The Supervisory Authority is: Financial Conduct Authority. Country in which FIL Investment Services (UK) Limited is authorised: United Kingdom. The Supervisory Authority is: Financial Conduct Authority. This key investor information is accurate as at 09/06/206.

11 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. Fidelity South-East Asia Fund a sub-fund of Fidelity Investment Funds W Accumulation Shares (ISIN: GB00B6Y7NF43) This fund is managed by FIL Investment Services (UK) Limited Objectives and Investment Policy Aims to provide long-term capital growth. Invests in shares of companies throughout the Pacific Basin, but excluding Japan. The portfolio is likely to have a bias towards larger companies. Has the freedom to invest outside the fund's principal geographies, market sectors, industries or asset classes. Can use derivatives with the aim of risk or cost reduction or to generate additional capital or income in line with the fund's risk profile. The fund has discretion in its choices of investments within its objectives and policies. Income is accumulated in the share price. Shares can usually be bought and sold each business day of the fund. This fund may not be appropriate for investors who plan to sell their shares in the fund within years. Investment in the fund should be regarded as a long-term investment. Risk and Reward Profile Lower risk Higher risk Typically lower rewards 2 Typically higher rewards The risk category was calculated using historical performance data. The risk category may not be a reliable indication of the future risk profile of the fund, is not guaranteed and may change over time. The lowest category does not mean a "risk free" investment. The risk and reward profile is classified by the level of historical fluctuation of the Net Asset Values of the share class, and within this classification, categories -2 indicate a low level of historical fluctuations, 3- a medium level and 6-7 a high level. The value of your investment may fall as well as rise and you may get back less than you originally invested. Movements in currency exchange rates can adversely affect the return of your investment. The currency hedging may be used to minimise the effect of this but may not always be successful. The use of financial derivative instruments may result in increased gains or losses within the fund. Liquidity is a measure of how easily an investment can be converted into cash. Under certain market conditions assets may be more difficult to sell. Emerging markets may be more volatile and it could be harder to sell or trade securities. There may be less supervision, regulation and less well-defined procedures than in more developed countries. Emerging markets can be sensitive to political instability, which can result in greater volatility and uncertainty, subjecting the fund to the risk of losses.

12 Key Investor Information Fidelity South-East Asia Fund Charges for this fund (ISIN: GB00B6Y7NF43) 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. One-off charges taken before or after you invest N/A N/A Entry charge Exit charge This is the maximum that might be taken out of your money before it is invested or before the proceeds of your investment are paid out. Charges taken from the fund over a year 0.99% Ongoing charges Charges taken from the fund under certain specific conditions The entry and exit charges shown are maximum figures. In some cases you might pay less - you can find this out from your financial adviser / distributor. The ongoing charges figure is based on expenses for the year ending 28/02/20. This figure may vary from year to year. It excludes: performance fees (where applicable); portfolio transaction costs, except in the case of an entry/exit charge paid by the fund when buying or selling units in another collective investment undertaking. For more information about charges, please consult the charges section in the most recent Prospectus. Performance fee N/A Past Performance 2% 0% 8% 6% 4% 2% 0% 0.3 Past performance is not a guide to future performance results. 204 If any, the past performance shown takes into account all ongoing charges with exception of any applicable entry/exit charges. The fund was launched on 3/0/984. This class was launched on /0/202. Past performance has been calculated in GBP Class If applicable, events in the fund's life which may have affected the performance history are highlighted as an '*' in the chart, which may include changes to the fund's objective and details of such events can be found on our website. If applicable, the Investment Objective section shall refer to a benchmark and information on previous benchmarks may be found in the Annual Report and Accounts. Practical Information The depositary is J.P.Morgan Europe Limited. For more information, please consult the Prospectus and latest Reports and Accounts which can be obtained free of charge in English and other main languages from the Fund Manager, the distributors or online at any time. The Net Asset Values per Share are available at the registered office of the Fund Manager. They are also published online at where other information is available. The tax legislation in United Kingdom may have an impact on your personal tax position. For further details you should consult a tax advisor. This document describes a sub-fund and share class of Fidelity Investment Funds (the 'investment company'). The Prospectus and Reports and Accounts are prepared for the entire investment company. FIL Investment Services (UK) 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 investment company. The assets and liabilities of each sub-fund of Fidelity Investment Funds are segregated by law and with that assets of this sub-fund will not be used to pay liabilities of other sub-funds. More share classes are available for this investment company. Details can be found in the Prospectus. You have the right to switch from this share class into the same or possibly other share class types of this or another sub-fund. Details on switching rules can be found in the Prospectus. Country in which this fund is authorised: United Kingdom. The Supervisory Authority is: Financial Conduct Authority. Country in which FIL Investment Services (UK) Limited is authorised: United Kingdom. The Supervisory Authority is: Financial Conduct Authority. This key investor information is accurate as at 2/0/206.

13 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 risks of investing in this fund. You are advised to read it so you can make an informed decision about whether to invest. I Class Shares in Fundsmith Equity Fund Accumulation Shares (ISIN: GB00B4YBW7) Income Shares (ISIN: GB00B4MR8G82) The fund is managed by Fundsmith LLP Objectives and investment policy The fund s objective is to achieve long-term growth in value, investing in shares of companies on a global basis. The fund s approach is to be a long-term investor in its chosen stocks and it will not adopt short-term trading strategies. The fund aims to invest in businesses: that can sustain a high return on operating capital employed; whose advantages are difficult to replicate; which do not require significant borrowing to generate returns; with a high degree of certainty of growth from reinvestment of their cash flows at high rates of return; that are resilient to change, particularly technological innovation; whose valuation is considered to be attractive; The fund will not invest in derivatives nor hedge any currency exposure. The fund will not borrow money, except in unusual circumstances. The fund does not track a particular benchmark. An investor, or prospective investor, may buy or sell their shares on demand each business day in the UK. Instructions to buy or sell received before noon will be implemented that day; instructions received after noon or on a non-business day will be implemented at noon on the next business day. For the Accumulation Shares, the dividends are reinvested in the fund. For the Income Shares, the dividends are paid out to you from the fund. Recommendation: This fund invests for the long-term and may not be appropriate for investors who plan to withdraw their money within years. Risk and reward profile Typicallyrisk lower rewards Lower Lower risk Typically lower rewards 2 Typically higher rewards Higher risk Higher risk Typically higher rewards The risk category reflects the significance of the fund s share price fluctuations based on historical data. Historical data may not be a reliable indication of the future risk profile of the fund. The risk category of the fund is not guaranteed and may change over time. Further, the lowest category of risk does not mean risk free. Generally, the higher the risk category, the greater the potential for higher returns but also the higher the risk of losing money. The fund is in Category reflecting the risks inherent in the fund s investment portfolio, including that of capital losses. The underlying investments are, however, in large companies with shares that are, in most cases, highly liquid. There are a number of other risks that are not covered by the indicator above. A full description is contained in the prospectus under the heading Risk Factors. The most material are: Currency risk: The fund s portfolio is a global share portfolio and many of the investments are not denominated in Sterling. There is no currency hedging in place and the price of shares in the fund may therefore rise or fall purely on account of exchange rate movements. Concentration risk: The investment criteria adopted by the fund significantly limits the number of potential investments. The fund generally holds 20 to 30 stocks and so it is more concentrated than many other funds. This means that the performance of a single stock within the portfolio has a greater effect on the price of the shares of the fund. Operational risk: Failures or delays in operational processes may negatively affect the fund. There is a risk that any company responsible for the safekeeping of the assets of the fund may fail to do so properly or may become insolvent, which could cause loss to the fund.

14 Key Investor Information I Class Shares in Fundsmith Equity Fund Charges The charges for the fund are shown below. The ongoing charges figure is based on the fund s expenses for the year ended 3 December 20. This includes all costs borne by the fund except for portfolio transaction costs but, because the portfolio turnover is relatively low, these charges should equally be low. The ongoing charges are used to pay the costs of running the fund, including the fee payable to Fundsmith LLP, which is 0.90% per annum, and certain other costs including marketing and distributing the fund. These ongoing charges reduce the potential growth of the investment. The overall ongoing charges may vary from year to year. One-off charges taken before or after you invest Entry charge Not charged Exit charge Not charged Charges taken from the fund over the year Ongoing charges 0.97% Charges taken under certain conditions Performance fee Not charged Past performance This performance is calculated based on the net asset value per class (which includes all charges) and assuming the income has been re-invested in the fund. 30% 2% Past performance is not necessarily a guide to future performance. The performance is shown in Pounds Sterling. 20% % 0% % 0% Practical information Further information on the fund is available from the website You can also obtain it by calling us on or by writing to Fundsmith LLP, PO Box 0846, Chelmsford, Essex CM99 2BW. This includes the Supplementary Information Document, the Prospectus, the latest price of shares of the fund, and the latest annual or semi-annual reports as and when they are published. These documents are available free of charge and in English. This key investor information document describes the I Class shares. The equivalent document for other share classes is available from the website and address above. The depository of the fund is State Street Trustees Limited. The tax legislation of the United Kingdom may have an impact on the personal tax position of the investor. We are required, under Money Laundering regulations, to confirm your identity. In the majority of cases, we do this electronically, but we may require additional documents from you if we cannot do this. Fundsmith LLP 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 and Fundsmith LLP are authorised in the United Kingdom and regulated by the Financial Conduct Authority. This key investor information is accurate as at 3 January 206.

15 KEY INVESTOR INFORMATION Henderson 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. UK ABSOLUTE RETURN FUND Class I Acc ISIN: GB00BKKCX2 A sub-fund of Henderson Investment Funds Series I, an OEIC managed by Henderson Investment Funds Limited. Objectives and investment policy Risk and reward profile Objective Typically Lower potential risk/reward An absolute (more than zero) return, typically over a 2-month period. An absolute return performance is not guaranteed over this specific, or any other, time period and consequently your capital is in fact at risk. Lower Risk Investment policy Typically Higher potential risk/reward Higher Risk Under normal circumstances, the Fund invests primarily in: Shares of UK companies. The Fund takes long positions on shares it believes are promising (meaning that the Fund will gain to the extent these share prices may rise) and takes short positions in shares it believes are likely to decline in price (meaning the Fund will gain to the extent these share prices fall). The value of an investment in the Fund can go up or down. When you sell your shares they may be worth less than you paid for them. The Fund may also invest in: The lowest category does not mean risk free. Any other type of security that is consistent with its objective The Fund s risk level reflects the following: Collective Investment Schemes The Fund focuses on a single region Money market instruments As a category shares are, in general, more volatile than either bonds or money market instruments Bank deposits The Fund s short exposures mean it can lose money if certain shares rise in price In choosing investments, the investment manager looks for companies which have the potential to increase or decrease in price more over the long term than is currently reflected in market prices. Fluctuations in exchange rates may cause the value of your investment to rise or fall The Fund makes extensive use of investment techniques, particularly those that involve derivatives, to obtain both its long and short investment exposure. Designed for Investors who understand the Fund s risks and complex investment approach, want a UK-focused investment and who intend to invest their money for at least five years. This Fund is designed to be used only as one component in several in a diversified investment portfolio. Investors should consider carefully the proportion of their portfolio invested into this Fund. Fund currency GBP Share class currency GBP Terms to understand Collective Investment Schemes Funds that invest in shares and other securities from the UK and elsewhere. Derivatives Financial instruments whose value is linked to the price of an underlying asset (eg indices, rates, share prices). Money market instruments A short term debt instrument, issued by a government or company as a way to raise money. Generally considered a cash equivalent. Shares Securities that represent fractional ownership in a company. Short Position Taking a negative view on a security to profit from a fall in its price. Volatility How sharply the Fund s share price has gone up and down over a period, generally several years. The risk/reward rating above is based on medium-term volatility. In the future, the Fund s actual volatility could be higher or lower and its rated risk/reward level could change. The rating does not reflect the possible effects of unusual market conditions or large unpredictable events. Under normal market conditions the following risks may apply: Counterparty risk The Fund could lose money if a counterparty with which it transacts becomes unwilling or unable to meet its obligations to the Fund. Default risk The issuers of certain bonds could become unable to make payments on their bonds. The risk of default may be higher where the Fund invests in sub-investment grade bonds. Derivatives risk Using derivatives can involve a higher level of risk. A small movement in the price of an underlying investment may result in a disproportionately large movement in the price of the derivative instrument. Liquidity risk In difficult market conditions certain securities could become hard to value or sell at a desired time and price. Management risk Investment management techniques that have worked well in normal market conditions could prove ineffective or detrimental at other times. The full list of the Fund s risks are contained in the Risk Factors section of the Fund s prospectus. You can buy, sell or switch shares in the Fund on any business day, as defined within the Definitions Section of the Fund s prospectus. The Fund offers accumulation shares (shares in which net income is retained within the price). of 2

16 Charges Past performance The charges you pay are used to pay the costs of running the Fund, including the costs of managing and distributing it. These charges reduce the potential growth of your investment. 20% If you invest through a third party provider you are advised to consult them directly as charges, performance and terms and conditions may differ materially to those shown in this document. 0% Performance (%) One-off charges taken before or after you invest* Entry Charge 7.6 %.00% Exit Charge 0.00%** * The charges shown are maximum figures. In some cases you may pay less. ** Subject to a charge of up to 3.00% where the Manager suspects excessive trading by an investor (and specifically on subscriptions held for less than 90 days) % % -% -0% -% -20% Charges taken from the Fund over a year Ongoing Charges Year The Fund.06% The ongoing charges are based on last year s expenses for the year ending 3 May 20. Ongoing charges may vary from year to year. The past performance is calculated in GBP. The Fund and the share class were launched in April The figure for ongoing charges excludes portfolio transaction costs, except in the case of an initial charge paid by the Fund when buying shares or units in another fund. Past performance is not a guide to future performance. The past performance shown in the chart takes into account all charges except entry charges. Charges taken from the Fund under certain specific conditions Performance fee 20.00% In the Fund s last financial year the performance fee was.96% of the value of the share class. For more information about charges, please see the Charges section of the Fund s prospectus. Practical information Depositary: National Westminster Bank Plc To obtain more information: This Key Investor Information Document may not contain all the information you need. For the last published price of shares in the Fund, or to obtain the annual/semi-annual report, please visit Documents are available free of charge in English. For a free copy of the Fund s prospectus please contact the registered office of the Fund at 20 Bishopsgate, London EC2M 3AE, UK. Tax: Investors should note that the tax legislation that applies to the Fund may have an impact on the personal tax position of their investment in the Fund. Contact your adviser to discuss tax treatment, suitability of this investment, and other questions. The assets of each sub-fund are segregated, meaning that each subfund is insulated from any losses or claims associated with the other sub-funds. To place transaction orders: You can place orders to buy, sell or switch shares of this Fund by contacting your adviser or distributor, or us directly at Henderson Global Investors, PO BOX 9023, Chelmsford CM99 2WB or by calling our Investor Services team on Further information about dealing, other share classes of this Fund or other funds in this OEIC may be obtained by visiting or found in the Fund s prospectus. The Fund is authorised in the UK and regulated by the Financial Conduct Authority ( FCA ). Henderson Investment Funds Limited is authorised in the UK and regulated by the FCA. This Key Investor Information is accurate as at February 206. Notices: Henderson Investment Funds 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. 2 of 2

17 OEIC KIID 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. Investec Global Gold Fund A sub-fund of Investec Funds Series iii Managed by Investec Fund Managers Limited Class I Accumulation shares in sterling ISIN: GB00BXFGM2 Objectives and investment policy Risk and reward profile The Fund aims to grow the value of your investment over the long term. The Fund invests around the world primarily in the shares of companies involved in gold mining and in related derivatives (financial contracts whose value is linked to the price of an underlying asset). Lower risk Potentially lower rewards Higher risk Potentially higher rewards The Fund may also invest up to one-third of its value in the shares of companies involved in the mining of other precious metals, minerals and non-precious metals. The Investment Manager is free to choose how the Fund is invested and does not manage it with reference to an index. Any income due from your investment is reflected in the value of your shares rather than being paid out. This indicator is based on historical data and may not be a reliable indication of the future risk profile of the Fund. The risk and reward category shown is not guaranteed to remain unchanged and may shift over time. The lowest category does not mean risk free. You can buy or sell shares in the Fund on any business day in the UK, as defined in the Investec Funds Series omnibus prospectus (section 3). The value of your investment and any income from it can fall as well as rise and you are not certain of making profits; losses may be made. Recommendation: this Fund may not be appropriate for investors who plan to withdraw their money within the short to medium term. The Fund appears towards the higher end of the Risk and Reward Indicator scale. This is because it invests in the shares of companies whose values tend to fluctuate more widely. Risks that may not be fully captured by the Risk and Reward Indicator: Concentration: Investments may be primarily concentrated in specific areas (e.g. countries/geographical regions and/or industry sectors), in terms of investment style (e.g. income or growth), in individual holdings and/or in a number of other ways. This may mean the value of the Fund may decrease whilst more broadly invested funds might grow. Currency exchange: Changes in the relative values of different currencies may adversely affect the value of the Fund s investments and any related income. Derivatives: The use of derivatives is not intended to increase the overall level of risk in the Fund. However, the use of derivatives may still lead to large changes in the value of the Fund and includes the potential for large financial loss. Equity investment: The value of equities (e.g. shares) and equity-related investments may vary according to company profits and future prospects as well as more general market factors. In the event of a company default (e.g. bankruptcy), the owners of their equity rank last in terms of any financial payment from that company. Liquidity: There may be insufficient buyers or sellers of particular investments giving rise to delays in trading and being able to make settlements from the Fund and/or large fluctuations in the value of the Fund which may lead to larger financial losses than might be anticipated. Third party operational: The Fund s operations depend on third parties. Investors in the Fund may suffer disruption or financial loss in the event of third-party operational failure. The full list of the Fund s risks are contained in Appendix VII of Investec Funds Series omnibus prospectus.

18 OEIC KIID Charges Past performance 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. The entry charge shown is the most you might pay, in some cases you might pay less. You can find out actual entry charges from your financial adviser. Past performance is not a guide to future performance. The value of your investment and income from it may go down as well as up and you may not get back the amount you invested. The ongoing charges figure shown here is an estimate of the charges. The Fund s annual report for each financial year will include detail on the exact charges made. The figure excludes any performance fee and portfolio transaction costs, except in the case of an entry or exit charge paid by the Fund when buying or selling units in another fund. Ongoing charges may vary from year to year. For more information about charges, please see section 7 of the Investec Funds Series omnibus prospectus. One-off charges taken before or after you invest Entry charge 0% Exit charge This is the maximum that might be taken out of your money before it is invested. Charges taken from the fund over a year Ongoing charge 0.98% The past performance shown in the chart takes account of all charges except the Fund s entry charge and the past performance is calculated in sterling. The Fund was launched on 0 April 2006 and this share class on June Fund - GB00BXFGM2 () % Charges taken from the fund under certain specific conditions Performance fee Fund (): Performance has been simulated for this period based on a longer established share class Practical information The Fund s depositary is State Street Trustees Limited. The latest published prices for shares in the Fund are available on Other share classes are available for this Fund as described in the Investec Funds Series omnibus prospectus. UK tax legislation may have an impact on your personal tax position. The Fund is a sub-fund of Investec Funds Series iii. You may switch between other Investec Funds Series i, ii, iii or iv sub-funds or share classes of the same sub-fund at no extra charge (unless the other share class has a higher entry charge, in which case the difference may be payable). Details on switching are contained in section 3 of the Investec Funds Series omnibus prospectus. The assets of the Fund are ring-fenced and cannot be used to pay the debts of other Investec sub-funds in the same Investec Fund Series. Investec Fund 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 Investec Funds Series omnibus prospectus. GB00BXFGM2/EN. The latest remuneration policy relating to Investec Fund Managers Limited is available free of charge on request from the address below or from: English language copies of the Investec Funds Series omnibus prospectus and Investec Funds Series iii latest annual and semi-annual reports may be obtained free of charge from Investec Fund Managers Limited, Woolgate Exchange, 2 Basinghall Street, London EC2V HA. This Fund is authorised in the United Kingdom and regulated by the Financial Conduct Authority. This Key Investor Information Document is accurate as at 26 August 206.

19 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. Jupiter India Fund I-Class I-Class Accumulation Units, ISIN: GB00B4TZHH9. The Manager is Jupiter Unit Trust Managers Limited. Objectives and investment policy Risk and reward profile The Fund objective is to grow the money invested in the Fund over the long-term. The Fund will primarily invest in companies that are based in India or conduct business in the country. The Fund may also invest up to 0% of its assets in the shares of companies based in Pakistan, Sri Lanka and Bangladesh. 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. The Fund Manager is able to make their own investment decisions and is not guided by any particular benchmark. Any income payable by the Fund will be automatically reinvested and reflected in the price of units. Typically lower rewards, lower risk Investors are able to buy and sell units during any business day between 9am and.30pm. If you tell us to buy or sell units before 2pm on any business day we will make the transaction on the same day. If you tell us to buy or sell units after 2pm we will make the transaction on the following business day. 2 3 Typically higher rewards, higher risk The lowest category does not mean no risk. Some risk will still be present in funds with a risk and reward rating of. The Fund is in this category as it invests in a wide range of company shares, which carry a degree of risk. Market and exchange rate movements can cause the value of an investment to fall as well as rise, and you may get back less than originally invested. Investments in India carry greater risks than investments in more traditional western markets. This may result in large falls in the Fund's value over short periods of time. Due to entry charges, you are less likely to see growth, or get back the amount invested, in the first few years. Page of 2.

20 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. One-off charges taken before or after you invest Entry charge.2% 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. 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). The ongoing charges figure quoted in this document is based on fees and expenses for the year to 3/07/20. Further information about charges is available in sections 8 and 9 of the Scheme Particulars which are available from Jupiter on request. Jupiter reserves the right to levy an entry charge of.2%, although we do not currently include this in the price of the units. Charges taken from the Fund over a year Ongoing charges.0% Charges taken from the Fund under specific conditions Performance fee NONE Past performance 20 Fund You should be aware that past performance is not a guide to future performance. Fund launch date: 29/02/2008. Share/unit class launch date: 9/09/20. Performance is calculated in GBP. Performance is shown after the effect of ongoing charges but does not include any entry fees. Performance is calculated on a bid to bid basis, with income reinvested net of basic rate tax. % Source: FE 206 Practical information Further information can be found by requesting the Scheme Particulars or annual and half-yearly report and accounts which are available from Jupiter on request by contacting our Customer Services Team on These documents are available in English and are free of charge. Jupiter operates a Group-wide remuneration policy, overseen by an independent Remuneration Committee. Details of this policy, including an overview of remuneration elements and associated governance processes, are set out on our website Jupiter-Fund-Management-plc/Governance/Risk-management from 8 March 206. A paper copy of these Remuneration Disclosures is available free of charge, upon request. Unit prices can be found by visiting the Jupiter website, The name of the trustee is National Westminster Bank plc. The trustee has delegated the function of custodian to Northern Trust Company. Tax law may have an impact on your own tax position. We advise you to take tax advice where necessary. Jupiter 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 Scheme Particulars of the Fund. Other unit classes are available. Further information is available from Jupiter on request. The Fund is authorised and regulated by the Financial Conduct Authority in the UK. Jupiter Unit Trust Managers Limited is authorised and regulated by the Financial Conduct Authority in the UK This Key Investor Information is accurate as at 6/02/ QF Page 2 of 2.

21 UK SMALLER COMPANIES FUND KEY INVESTOR INFORMATION DOCUMENT 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. Liontrust UK Smaller Companies Fund is an Authorised Unit Trust and categorised as a UCITS scheme. This document is based upon retail class units (R Class) (ISIN: GB ) and institutional income class units (I Class) (ISIN: GB00B7TMD2). This Fund is managed by Liontrust Fund Partners LLP, a subsidiary of Liontrust Asset Management PLC. Objectives and Investment Policy Objective: To provide long-term capital growth. More Information: Policy: The selection of the Fund s investments is determined by the following: The Fund invests at least 80% in smaller capitalised companies traded on the UK and Irish stock exchanges. Companies which are expected to demonstrate special characteristics which are distinct and difficult to replicate by their competitors. When a company grows to become a mid-cap stock and is included in the FTSE 20 Index, the holding will remain in the Fund until a suitable replacement is found. These special characteristics may be determined by companies demonstrating: protected intellectual property rights; You may buy or sell units on a daily basis (but not weekends or Bank Holidays). Orders must be received by 2.00 midday for execution at 2.00 midday valuation point on the same day. strong distribution networks; and high levels of recurring income. Income from the Fund s investments can be paid out, reinvested or accumulated. Companies which are likely to survive a downturn but prosper when the market turns. Recommendation: this Fund may not be appropriate for investors who plan to withdraw their money within years. Highly profitable companies which are expected to be re-rated by the market. Companies where the managers are properly motivated through director equity ownership. Further details may be found in the prospectus and information on the investment process may be found at FundRange. Risk and Reward Profile Lower Risk Typically lower rewards 2 3 The Synthetic Risk and Reward Indicator (SRRI) is based on historical data and may not be relied upon to gauge the future risk profile of the Fund. The SRRI shown is not guaranteed to remain the same and may shift over time. The lowest category () does not mean risk free. The Fund s risk and reward category has been calculated using the methodology set by the European Commission. It is based upon the rate by which the Fund or a representative fund or Index s value has moved up and down in the past. The Fund is categorised 4 primarily for its exposure to smaller UK companies. The SRRI may not fully take into account the following risks: That a company may fail thus reducing its value within the Fund; Any company which has high overseas earnings may carry a higher currency risk. 4 Higher Risk Typically higher rewards 6 7 As the Fund is primarily exposed to smaller companies there may be liquidity constraints from time to time. In addition the spread between the price you buy and sell units will reflect the less liquid nature of the underlying holdings. The Fund may invest in companies listed on the Alternative Investment Market (AIM) which is primarily for emerging or smaller companies. The rules are less demanding than those of the official List of the London Stock Exchange and therefore companies listed on AIM may carry a greater risk than a company with a full listing. The Fund may, under certain circumstances, make use of derivative instruments but it is not intended that their use will materially affect volatility. Counterparty Risk: any derivative contract, including FX hedging, may be at risk if the counterparty fails. For full details of the Fund s risks, please see the prospectus which may be obtained from Liontrust (address overleaf) or online at

22 UK SMALLER COMPANIES FUND Charges for this Fund The entry and exit charges shown are maximum figures. In some cases you might pay less you can find this out from your financial adviser. 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. The ongoing charges figure is based on expenses for the year ending 3 December 20. This figure may vary from year to year. It excludes: One-off charges taken before or after you invest Entry charge (R) % (I) 0% Exit charge Portfolio transaction costs, except in the case of an entry/exit charge paid by the UCITS when buying or selling units in another collective investment undertaking. This is the maximum that might be taken out of your money before it is invested. For more information about charges, please see clause 2 of the Fund s prospectus, which is available electronically at co.uk/literature/downloadliterature. Charges taken from the Fund over the year Ongoing charges (R).63% (I).38% Charges taken from the Fund under certain specific circumstances Performance fee Past performance is not a guide to future performance Past performance has been calculated on the basis that any distributable income of the Fund has been reinvested All charges, except the entry charge, have been included in the performance calculations Hundreds Past Performance The Fund launched on 7 August 99, the I Class launched on 28 January 203 The base currency of the Fund is pounds sterling 0% 4.6% 40% 20% 23.% 0.6% 0% 23.8% 33.9% 30.2% 27.7% 30%.% 4.4% 4.% 0% -0% -.8% -20% -30% -27.% -40% UK Smaller Companies Fund (R) UK Smaller Companies Fund (I) (GBP) Practical Information Authorisation This Fund is authorised in the UK and regulated by the Financial Conduct Authority Trustee The Fund s Trustee is State Street Trustees Limited Further Information Copies of the prospectus and the latest annual and half-yearly reports, which are the primary source of additional information, are available, without charge, from Liontrust Fund Partners LLP, 2 Savoy Court, London, WC2R 0EZ. They are also available electronically at Taxation UK tax legislation may have an impact upon your own personal tax position Fund Prices and other information The Fund s last published price is available from Liontrust Fund Partners LLP at or by writing to us at 2 Savoy Court, London, WC2R 0EZ or by telephoning during business hours (9.00am.00pm). The R & I income classes are the representative unit classes. I accumulation class units are also available as described in the prospectus Liontrust Fund Partners LLP 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 Key Investor Information is accurate as at 2 February 206.

23 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. Man GLG Continental European Growth Fund Professional Accumulation Shares (Class C) (ISIN:GB00B09487) Man GLG Continental European Growth Fund (the 'Fund') is a sub-fund of Man International ICVC (the 'Company'). Man Fund Management UK Limited, part of Man Group plc, is the Authorised Corporate Director. Objectives and investment policy The Fund seeks above average long term capital growth through investing, directly or indirectly, primarily in quoted securities comprised of equities and equity linked securities (securities whose returns are determined by the performance of the underlying equities) of companies listed on European Stock Exchanges. Income earned on investments will be added to the value of investors' shares. Shares can be bought and sold on each Dealing Day. The Fund may invest in money market securities, fixed and floating rate government and corporate bonds, bonds convertible into common stock, preferred shares and other fixed income investments. The Fund may alter the investment exposure created by these securities through the use of currency transactions. Fixed income investments may be issued by any government, company or international agency. The Fund may use financial derivative instruments (instruments whose prices are dependent on one or more underlying asset 'FDI') extensively for investment purposes as well as for hedging (the practice of undertaking one investment activity with the aim of protecting against loss in another) or other efficient portfolio management purposes. Risk and reward profile Lower risk Higher risk Typically lower rewards 2 Typically higher rewards The lowest category does not mean 'risk free'. The risk and reward profile is not guaranteed and may change over time. Historical data may not be a reliable indication for the future. The risk category for this share class is 6 as funds of this nature engage in strategies that typically have a high volatility. The calculation is based on the historical volatility of the Fund's performance. Where there is insufficient Fund performance the calculation is based on either the historical volatility of a relevant benchmark for the investment strategy or the manager's Value at Risk limit for the Fund. Please refer to the prospectus for further information relating to the Value at Risk. The following risks may not be fully captured by the risk and reward profile: The use of FDI involves additional risks: (i) FDI may be highly sensitive to price movements of the asset on which they are based; (ii) a counterparty to a non-exchange traded FDI may not meet its payment obligations in the event of default; (iii) the use of FDI may result in increased leverage. These risks may lead to significant losses. Liquidity characteristics of non-exchange listed investments can be irregular, and may result in higher than anticipated costs to liquidate the investment. A limited number of investments may be held which can increase the volatility of performance. The Fund is a specialist geographic regional fund which, as a result, may carry greater risk than a more internationally diversified portfolio. A complete description of risks is set out in the prospectus section entitled 'Risk Factors'.

24 Charges The charges you pay are used to pay the costs of running the Fund. These charges reduce the potential growth of your investment. One-off charges taken before or after you invest Entry charge Exit charge 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. Charges taken from the fund over a year Ongoing charges 0.90% Charges taken from the fund under certain specific conditions Performance fee The entry and exit charges shown are maximum figures and in some cases you might pay less. Please refer to your financial advisor or the distributor for the actual charges. The ongoing charges figure shown here is an estimate of the charges. An estimate of the charges has been used as the fees paid by the fund have been changed since the last financial year end. The Company's annual report for each financial year will include detail on the exact charge made. This figure may vary from year to year. It excludes performance fees (where applicable) and portfolio transaction costs, except in the case of an entry/ exit charge paid by the Fund when buying or selling units in another subfund. If you switch between different sub-funds of the Company you may pay a switching charge on your subscription to the new sub-fund. This charge may be an amount equal to the entry charge of the new sub-fund. For detailed information on charges and fees please see the 'Fees and Expenses' section of the prospectus. Past performance Man GLG Continental European Growth Fund Professional Accumulation Shares (Class C) The Fund was authorised in The past performance chart shows the annual performance, calculated in GBP, for each full calendar year since launch. % The performance in this table includes all fees and expenses, excluding any entry or exit charges, and shows percentage year-on-year changes in Fund value. Please be aware that past performance is not a reliable indicator of, or guide to, future performance. Practical information The Fund is a sub-fund of the Company which is an umbrella scheme comprising a number of sub-funds. BNY Mellon Trust & Depositary (UK) Limited is the depositary of the Company. The Fund's assets are treated as being segregated from the assets of other sub-funds of the Company. Additional information related to the Fund is located in the prospectus which is produced in an official language of the jurisdictions in which the Fund is registered for public sale. The prospectus is available together with the most recent financial statements, information on other share classes and the latest prices of shares free of charge at The Fund is subject to taxation legislation in the UK, which may have an impact on your personal tax position as an investor in the Fund. Man Fund Management UK 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 may switch shares in the Fund for shares in any other sub-fund of the Company. Further information and provisions are in the prospectus. Details of Man Fund Management UK Limited's Remuneration Policy are available at including: (a) a description of how remuneration and benefits are calculated; and (b) the identity of persons responsible for awarding remuneration and benefits. A paper copy of these details may be obtained, free of charge, at Man Fund Management UK Limited at One Curzon Street, London, WJ HB, United Kingdom. The Fund is a "UCITS scheme" for the purposes and rules of Financial Conduct Authority. The Company and Man Fund Management UK Limited are authorised in the UK and regulated by the Financial Conduct Authority. This key investor information is accurate as at 0/07/206.

25 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. Marlborough Global Bond Fund, Class P Units (ISIN Income GB00B8H7D00, Accumulation GB00B6ZDFJ9) This fund is managed by Marlborough Fund Managers Ltd Objectives and Investment Policy The Marlborough Global Bond Fund aims to provide both income invested back into the fund and reflected in the price of your units. and capital growth by investing mainly in fixed interest securities. You can sell all or part of your investment whenever you like subject to the minimum holding requirements. The fund will invest primarily in a broad range of fixed income securities traded on global markets. There will be a spread of both government and corporate fixed income securities with varying credit ratings and including at times other securities such as convertible securities or those with a variable rate or a link to an index. The fund may use derivatives for the purposes of meeting it's objectives and the reduction of risk. The Investment Adviser to the fund decides which investments to buy and when within the constraints of the objectives and policy. The fund is not constrained by a benchmark. The Marlborough Global Bond Fund pays income. If you wish to receive this please tell us. If you do not want to receive income you will be given accumulation units which means income is Risk and Reward Profile Lower risk Higher risk Typically lower rewards 2 3 The risk and reward indicator above aims to provide you with an indication of the overall risk and reward profile of the fund. It is calculated based on the volatility of the fund using weekly historic returns over the last five years. If five years data is not available for a fund, the returns of a representative portfolio are used. As the risk and reward indicator is calculated based on historical data it may not be a reliable indication of the future risk profile of the fund. The risk category shown is not guaranteed and may change over time. The lowest category does not mean risk free. The value of investments and the income from them may fall as well as rise and you may not get back the amount you originally invested. This fund has been measured as 4 because it has experienced moderate volatility historically. Changes in exchange rates may cause the value of the fund to rise or fall. Investments in fixed interest securities are subject to market and credit risk and will be impacted by interest rates. Typically higher rewards The fund may use derivatives to protect the value of the fund's assets and for investment purposes which mean that for regulatory purposes it will be regarded as a high volatility fund, however the fund s use of derivatives will have the overall intention of reducing volatility. A more detailed description of the risks that apply to this fund can be found in the prospectus.

26 Charges for this Fund 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. One-off charges taken before or after you invest Entry charge.00% Exit charge This is the maximum that might be taken out of your money before it is invested. Charges taken from the fund over a year Ongoing charges 0.4% The entry and exit charges shown are maximum figures. In some cases you may pay less - you can find this out from your financial adviser. The ongoing charges figure is based on expenses for the year ending 20/08/20. This figure may vary from year to year. It excludes: Portfolio transaction costs, except in the case of an entry/exit charge paid by the UCITS when buying or selling units in another collective investment undertaking. For more information about charges, please see Section 3 of the fund s prospectus, which is available at Charges taken from the fund under certain specific conditions Performance fee Past Performance Past performance is not a guide to future returns. Performance figures are calculated in Sterling on a bid price basis and include net reinvested income. They include the annual management charge and all other fund expenses but do not include the entry charge. The fund was launched on August 987. This Unit Class was launched on 3 December 202 and first priced on 2 January 203. As Class P units were first priced on 2 January 203, 0 complete years of past performance information is not available. Therefore past performance information for Class A units has been used for the period 2006 to 202. Practical Information The minimum investment is,000,000. If you wish to sell all or part of your investment please write to us at Marlborough House, 9 Chorley New Road, Bolton, BL 4QP or telephone Your deal will be placed at the next valuation point after we receive your instruction. The valuation point is at 2 noon on each business day (as defined in the prospectus). The Trustee for the fund is HSBC Bank Plc. The prospectus, short report and annual report and accounts for the fund are available free of charge at or by calling The documents are available in English only. UK taxation may have an impact on your personal tax position. Fund prices are available on our website Some price information is also published in the Financial Times. You may switch to any fund in the Marlborough range on request, subject to a switching charge. Other unit classes of the fund are available. For further details please see the fund s prospectus which is available at For further details including how to invest please see the Supplementary Information Document which is available at or call Marlborough Fund Managers Ltd 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 UCITS. In a dual priced fund where an investor sells over,000 in value of their units, either singly or as a combination of smaller deals for the same valuation point, we may sell those units at cancellation price. This is the lowest price calculated for a dual priced fund and is based on the selling price of all the stocks and shares within the fund. This action is used to protect the remaining investors within the fund as we may have to sell some of the fund s own investments in order to raise the money to pay the proceeds of a large deal. This fund is authorised in the United Kingdom and regulated by the Financial Conduct Authority. Marlborough Fund Managers Ltd is authorised in the United Kingdom and regulated by the Financial Conduct Authority. This key investor information is accurate as at

27 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. Loomis Sayles U.S. Equity Leaders Fund (N/A(GBP) ISIN: GB00B8L3WZ29) a sub-fund of NGAM Investment Funds U.K. ICVC Authorised Corporate Director: NGAM S.A., part of the Natixis group of companies Objectives and Investment Policy Investment objective: The Loomis Sayles U.S. Equity Leaders Fund (the Fund ) seeks to increase the value of your investment over the long term. Investment policy: In order to meet its objective, the Fund invests at least 80% of the Fund s assets in shares of U.S. companies, focusing on stocks of large capitalisation companies, but the Fund may invest in companies of any size. The Fund s equity investments include common stocks, preferred stocks and equity-related instruments. The Fund may invest up to 20% of its assets in equity-linked notes and tradable debt (bond) that may be converted into stocks (convertible bonds) issued by U.S. companies as well as common stocks, stocks which are entitled to a fixed dividend (preferred stock), equity-linked notes, convertible bonds and other equity-related instruments issued by non-u.s. companies traded on non-u.s. exchanges or as instruments traded on a local stock exchange representing equity issued by a foreign-listed company (depositary receipts). The Fund may invest no more than 0% of its assets in undertakings for collective investment. The Fund normally invests across a wide range of sectors and industries. Loomis, Sayles &Company, L.P., the Investment Manager, employs a growth style of equity management (investing in companies that exhibit signs of aboveaverage growth). The Investment Manager aims to invest in companies when they trade at a significant discount to the estimate of actual value. On an ancillary basis, the Fund may use derivatives (financial contracts that derive their values from those of other investment instruments) to offset potential losses that may be incurred by other investments made (hedging) and for investment purposes. The base currency of the Fund is the U.S. dollar. Shares in the Fund may be purchased, sold or exchanged on any business day in the U.K. Income derived from the Fund is distributed for distributing Shares and reinvested for accumulating Shares. Please refer to the section entitled Distribution and Accumulation Shares; Net and Gross Shares of the Prospectus for additional information. Recommendation: this Fund may not be appropriate for investors who plan to withdraw their money within years. Risk and Reward Profile Lower Risk Higher Risk Typically Lower Rewards 2 Typically Higher Rewards The risk and reward category is indicated using historical data which may not be a reliable indicator of the Fund s future risk profile. Due to its investment in equity markets, the Fund may experience significant range and frequency of price movements (volatility), as expressed by its rank on the above scale. The risk category shown is not guaranteed and may shift over time. There is no capital guarantee or protection on the value of the Fund. The lowest category does not mean risk free. Special Risk Considerations Growth/Value Equities risk: Investments in equities tend to fluctuate more than investments in bonds, but also offer greater potential for growth. The price of equity investments may sometimes fluctuate quite dramatically in response to the activities and results of individual companies, as well as in connection with general market and economic conditions. Additionally, funds may hold equities having a growth bias; prices of the growth bias equities tend to be more sensitive to certain market movements as they are often subject to factors such as future earnings expectations which may vary with changing market conditions. Geographic concentration risk: Funds that concentrate investments in certain geographic regions may suffer losses, particularly when the economies of those regions experience difficulties or when investing in those regions become less attractive. Moreover, the markets in which the funds invest may be significantly affected by adverse political, economic or regulatory developments. Portfolio Concentration risk: Funds investing in a limited number of securities may increase the fluctuation of such funds investment performance. If such securities perform poorly, the fund could incur greater losses than if it had invested in a larger number of securities. Please refer to the section entitled Risk Factors of the Prospectus for additional details on risks.

28 Charges for this Fund 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. Charges by Share Class-Share Class N One-Off charges taken before or after you invest Entry Charge.00% Exit Charge 0.00% This is the maximum that might be taken out of your money before it is invested.(entry charge) and before the proceeds of your investment are paid out (exit charge). Charges taken from the Fund over a year Ongoing Charges:.00% p.a. The entry and exit charges shown are maximum figures. In some cases you might pay less you can find this out from your financial adviser. The ongoing charges figure shown here is based on expenses for the year ending December 20. It excludes the portfolio transaction costs, except in the case of an entry/exit charge paid by the Fund when buying or selling units in an underlying Fund. The Fund s annual report for each financial year will include detail on the exact charges made. For more information about charges, please refer to sections Fees and Expenses and Buying and Selling of Shares of the Fund s prospectus, which is available at the registered office of the Authorised Corporate Director or at ngam.natixis.com/uk. Charges taken from the Fund under certain specific conditions: Performance Fee: Past Performance Index 2% 20%.9 Fund % 7.26 % 0% Past performance is not a reliable indicator of future performance. This bar chart shows the performance of the N/A(GBP) Share Class in its currency of quotation, net of ongoing charges and excluding entry or exit charges. The Fund was launched on 4 April 203 and the share class was launched on 4 April 203. % 0% Practical Information Depositary: Authorised Corporate Director: State Street Trustees Limited NGAM S.A. 20 Churchill Place 2 rue Jean Monnet Canary Wharf, London, E4 HJ L-280 Luxembourg, Grand Duchy of Luxembourg Cut-off Deadline: 2.00 noon GMT Additional information about the Company and the Fund (including the full prospectus, reports and accounts for the Company), procedure for the exchange of Shares from one sub-fund to another sub-fund, may be obtained free of charge at the registered office of the Authorised Corporate Director or the Depositary. Prices per Share of the Fund may be obtained at the registered office of the Authorised Corporate Director or in the Financial Times. The assets and liabilities of each sub-fund are segregated, therefore the rights of investors and creditors concerning a sub-fund are limited to the assets of that sub-fund, unless otherwise provided in the constitutional documents of the Company. * This Fund might be subject to specific tax treatment in the U.K. Depending on your own country of residence, this might have an impact on your investment. For further details, please contact an adviser. Share Class - Additional Information Share Class ISIN Type of Investors Minimum Initial Investment Currency Minimum Holding Dividend Policy Ongoing Charges N/A(GBP) GB00B8L3WZ29 Retail investors Sterling 0,000 0,000 Accumulation.00%p.a N/D(GBP) GB00B97NHZ86 Retail investors Sterling 0,000 0,000 Distribution.00%p.a N/A(USD) GB00BFGY438 Retail investors U.S. Dollar $00,000 $00,000 Accumulation.00%p.a N/A(EUR) GB00B96V067 Retail investors Euro 00,000 00,000 Accumulation.00%p.a N/D(EUR) GB00B8F4S867 Retail investors Euro 00,000 00,000 Distribution.00%p.a NGAM S.A. 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 is authorised in the United Kingdom and regulated by the Financial Conduct Authority. NGAM S.A. is authorised in Luxembourg and regulated by the Commission de Surveillance du Secteur Financier. This key investor information is accurate as at 9 February 206. * *

29 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. Neptune Russia & Greater Russia Fund C Acc GBP Neptune Russia & Greater Russia Fund (the 'Fund') - ISIN: GB00B86WB793. A sub-fund of Neptune Investment Funds. Neptune Investment Management Limited is the 'Authorised Corporate Director' of the Fund. Objectives & investment policy Risk and reward profile To provide capital growth by investing mainly in Russian and Greater Russian companies, selected at the manager's discretion. 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. Any income the Fund generates will be reinvested to grow the value of your investment. You can buy and sell shares on any working day in London. Recommendation: this Fund may not be appropriate for investors who plan to withdraw their money within five years. For full investment objectives and policy details please refer to the prospectus. Potentially lower reward Potentially higher reward Lower Risk Higher Risk The Fund is in Category 7 because of the high range and frequency of price movements (volatility) of the underlying investments referenced by the Fund. The following are additional risks not covered by the risk and reward category. Investing overseas can bring additional returns and spread risk to different markets. There are risks, however, that changes in currency rates will reduce the value of your investment. Emerging markets or less developed countries may face more political, economic or structural challenges than developed countries. This means your money may be at greater risk. This Fund holds a limited number of investments. If one of these investments falls in value this can have a greater impact on the Fund s value than if it held a larger number of investments. For a full list of the Fund s risks, please see the prospectus. Page of 2.

30 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. 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. One-off charges taken before or after you invest The ongoing charge is calculated as at /02/206. It may vary from year to year. For more information about charges, please see the Charges section of the Fund s prospectus. Entry charge Exit charge 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 over a year Ongoing charges.% Charges taken from the Fund under certain specific conditions Performance fee Past Performance % 32 You should be aware that past performance is not a guide to future performance. Fund launch date: 3/2/2004. Share launch date: 03/0/202. Performance is calculated in GBP. Performance is shown net of UK tax and includes the ongoing charge but excludes any initial charge. 6 % Fund Practical Information The Fund s Depositary is State Street Trustees Limited. The Fund is a Sub-Fund of Neptune Investment Funds (the Umbrella). You can switch your shares in the Fund for shares in another SubFund of the Umbrella. The Umbrella is comprised of multiple Sub-Funds, each of which has a distinct pool of assets and liabilities. These Sub-Funds are segregated and their assets shall not be used to pay the liabilities of any other Sub-Fund. This means investors in one SubFund will not pay for any liabilities and debts of another Sub-Fund. Further detailed information regarding the Fund and other funds in the umbrella, the prospectus, the latest annual reports and any subsequent half-yearly reports (including information on how to switch, buy and sell shares of the Fund and other share classes available), are available free of charge from the Investment Manager. You can obtain these documents through our website, or by calling (+44 (0) ). These documents are available in English and German. Other practical information, including current prices of shares in the Fund, may be obtained from our website. If you do not have access to the internet, please call us on (+44 (0) ) for the latest prices. The tax legislation of the United Kingdom may have an impact on your personal tax position. Neptune Investment 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 UCITS. This Fund is authorised in the the United Kingdom and regulated by Financial Conduct Authority. Where relevant the statement that Neptune Investment Management Limited is authorised in the United Kingdom and regulated by Financial Conduct Authority. This Key Investor information is accurate as at /02/206. Page 2 of 2.

31 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. NEWTON UK INCOME FUND INSTITUTIONAL SHARES W (NET ACCUMULATION) (ISIN: GB00B7M90R07) A SUB-FUND OF BNY MELLON INVESTMENT FUNDS THIS FUND IS MANAGED BY BNY MELLON FUND MANAGERS LIMITED OBJECTIVES AND INVESTMENT POLICY OBJECTIVE Increasing income and capital growth over the long-term by investing in shares (i.e. equities) and similar investments of companies listed or located in the UK. POLICY The Fund will: invest predominantly in the UK; invest in company shares and similar investments; invest in companies of all sizes (e.g. small, medium and large companies) and in any industry (e.g. pharmaceuticals, financials, etc); invest in company shares targeting higher than average dividends (dividends are the proportion of company profits paid out to shareholders) and with good prospects for growth; and limit investment in other collective investment schemes to 0%. The Fund may: invest up to 20% outside of the UK; and invest in derivatives (i.e. financial contracts whose value is linked to the expected price movements of an underlying investment) with the aim of reducing the overall costs and/ or risk and/or to generate additional capital or income with a risk level which is consistent with the risk profile of the Fund (Efficient Portfolio Management (EPM)). Recommendation: the Fund may not be appropriate for investors who plan to withdraw their money within five years. Treatment of income: income from investments will be retained within the Fund. This will increase the value of your shares. Dealing: you can buy and sell your shares in the Fund between 9:00 and 7:00 (UK time) on each working day in the UK. Instructions received before 2:00 will receive the price quoted on that day. The minimum initial investment for this share class is 0,000,000. RISK AND REWARD PROFILE Lower risk Potentially lower reward 2 3 Higher risk Potentially higher reward We have calculated the risk and reward category, as shown above, using a method of calculation derived from EU rules. As this Fund has less than five years performance data available, it is based on simulated volatility and is not a guide to the future risk and reward category of the Fund. The category shown is not a target or guarantee and may shift over time. Even the lowest category does not mean a riskfree investment. This Fund is in category because its simulated historical value has shown moderately high volatility. With a Fund of category, you have a moderately high risk of losing money but your chance for gains is also moderately high. THE FOLLOWING RISKS MAY NOT BE FULLY CAPTURED BY THE RISK AND REWARD INDICATOR: There is no guarantee that the Fund will achieve its objective. This Fund invests in international markets which means it is exposed to changes in currency rates which could affect the value of the Fund. BNY MELLON INVESTMENT FUNDS A fall in the UK market may have a significant impact on the value of the Fund because it primarily invests in this market. The fund may use derivatives to reduce costs and/or overall risk and/or to generate additional capital or income of the fund (i.e Efficient Portfolio Management (EPM). EPM may become ineffective in adverse situations and the fund may suffer a significant loss as a result. The Fund may invest in small companies which may be riskier and less liquid (i.e. harder to sell) than large companies. This means that their share prices may have greater fluctuations. A fall in the value of a single investment may have a significant impact on the value of the Fund because it typically invests in a limited number of investments. The Fund takes its charges from the capital of the Fund. Investors should be aware that there is potential for capital erosion if insufficient capital growth is achieved by the Fund to cover the charges. Capital erosion may have the effect of reducing the level of income generated. A complete description of risk factors is set out in the Prospectus in the section entitled "Risk Factors".

32 CHARGES The charges cover the costs of running the Fund, including the costs of marketing and selling. These charges reduce the potential growth of your investment. ONE-OFF CHARGES TAKEN BEFORE OR AFTER YOU INVEST Entry charge 0.00% Exit charge This is the maximum that might be taken out of your money before it is invested and before the proceeds of your investment are paid out. CHARGES TAKEN FROM THE FUND OVER A YEAR Ongoing charge The ongoing charge is based on expenses calculated on 3st December 20. This may vary from year to year. It excludes performance fees and portfolio transaction costs, except in the case of an entry/exit charge paid when buying or selling units in another mutual fund. More information about charges is available in the Prospectus. 0.79% CHARGES TAKEN FROM THE FUND UNDER CERTAIN SPECIFIC CONDITIONS Performance fee PAST PERFORMANCE % 20 Newton UK Income Fund Institutional Shares W (Net Accumulation) (GB00B7M90R07) The chart includes all charges except entry charges. Fund launch date - June 987. Share class launch date - 4 September 202. Performance of this share class is calculated in sterling. 0 Past performance is not a guide to future performance Fund % PRACTICAL INFORMATION Documents: The Fund is a sub-fund of BNY Mellon Investment Funds ("BNY MIF"), an umbrella open-ended investment company (OEIC). Copies of the Prospectus, annual and semi-annual reports for BNY MIF may be obtained free of charge from or from BNY Mellon Investment Management EMEA Limited, BNY Mellon Centre, 60 Queen Victoria Street, London EC4V 4LA. These documents are available in English and certain other languages. Share price: The latest share price and other information, including how to buy or sell shares, are available from the website and address given above. Other share classes are offered by the Fund as set out in the Prospectus. Switching: Investors may switch shares in the Fund for shares in other sub-funds of BNY MIF provided they satisfy the criteria applicable to investment in other sub-funds. Further information on switching is contained in the Prospectus. Legal status: The assets of the Fund belong exclusively to that sub-fund and may not be used to discharge the liabilities of or claims against any other person or body, including BNY MIF or any other sub-fund within the umbrella. Liability statement: BNY Mellon Fund 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. Depositary: National Westminster Bank plc. Tax: The tax legislation of the Fund's domicile may have an impact on your personal tax position. For further details, please speak to an adviser. This Fund is authorised in the United Kingdom and regulated by the Financial Conduct Authority. BNY Mellon Fund Managers Limited is authorised in the United Kingdom and regulated by the Financial Conduct Authority. This key investor information is accurate as at 2 April 206.

33 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. Schroder Monthly High Income Fund an Authorised Unit Trust of Schroder Unit Trusts Limited Class Z Accumulation GBP (GB00B83RDY83) This fund is managed by Schroder Unit Trusts Limited, which is a member of the Schroders Group. Objectives and Investment Policy Objectives The fund aims to provide income. market, sector and other risks in order to determine the securities that offer the best risk/reward profiles. Investment Policy At least 80% of the fund will be invested in bonds issued by governments, government agencies and companies worldwide. A minimum of 0% of the fund will be invested in bonds that have been awarded lower ratings from credit agencies, which are known as sub-investment grade bonds. The fund may also invest in other financial instruments and hold cash on deposit. Derivatives may be used to achieve the investment objective and to reduce risk or manage the fund more efficiently. The fund may use leverage and take indirect short positions. The fund will invest in bonds issued either in sterling, or in another currency and hedged back into sterling (to reduce or remove the risk of loss through currency movements). Although high yield bonds are typically perceived to have higher levels of risk, the additional yield they offer over an investment grade bond is intended to compensate for this. The fund manager works with our global team of credit experts to evaluate economic, Benchmark This unit class is not managed with reference to a financial index. Dealing Frequency You may redeem your investment upon demand. This fund deals daily. Distribution Policy This unit class accumulates income received from the fund's investments, meaning it is kept in the fund and its value is reflected in the price of the unit class. Risk and Reward Profile Lower risk Potentially lower reward 2 Higher risk Potentially higher reward The risk and reward indicator The risk category was calculated using historical performance data and may not be a reliable indicator of the fund's future risk profile. The fund's risk category is not guaranteed to remain fixed and may change over time. A fund in the lowest category does not mean a risk-free investment. The fund is in this category because it can take higher risks in search of higher rewards and its price may rise and fall accordingly. Risk factors The following risks may affect fund performance. Capital risk / negative yields: When interest rates are very low or negative, the fund's yield may be zero or negative, and you may not get back all of your investment. Counterparty risk: The counterparty to a derivative or other contractual agreement or synthetic financial product could become unable to honour its commitments to the fund, potentially creating a partial or total loss for the fund. Counterparty risk / money market & deposit: A failure of a deposit institution or an issuer of a money market instrument could create losses. Credit risk: A decline in the financial health of an issuer could cause the value of its bonds to fall or become worthless. Currency risk: The fund can be exposed to different currencies. Changes in foreign exchange rates could create losses. Derivatives risk: A derivative may not perform as expected, and may create losses greater than the cost of the derivative. High yield bond risk: High yield bonds (normally lower rated or unrated) generally carry greater market, credit and liquidity risk. Interest rate risk: A rise in interest rates generally causes bond prices to fall. Leverage risk: The fund uses derivatives for leverage, which makes it more sensitive to certain market or interest rate movements and may cause above-average volatility and risk of loss. Liquidity risk: In difficult market conditions, the fund may not be able to sell a security for full value or at all. This could affect performance and could cause the fund to defer or suspend redemptions of its shares. Operational risk: Failures at service providers could lead to disruptions of fund operations or losses.

34 Schroder Unit Trusts Limited Schroder Monthly High Income Fund 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. One-off charges taken before or after you invest Entry charge Exit charge The entry and exit charges shown are maximum figures and in some cases you might pay less. You can find out the actual entry and exit charges from your financial advisor. This is the maximum that might be taken out of your money before it is invested. Charges taken from the fund over a year Ongoing Charge The ongoing charges figure is based on the last year's expenses for the year ending July 20 and may vary from year to year. 0.73% Please see the prospectus for more details about the charges. Charges taken from the fund under certain specific conditions Performance fee Past Performance % 60 Q Z Accumulation GBP (GB00B83RDY83) Past performance is not a guide to future performance and may not be repeated. The value of investments may go down as well as up and you may not get back the amount you originally invested The chart shows performance in British pound after the ongoing charges and the portfolio transaction costs have been paid. 0 The fund was launched on 4 February Performance shown during this period predates the launch of this unit class and has been simulated using the history of a similar unit class within the fund. Practical Information Trustee: J. P. Morgan Europe Ltd. Further Information: You can get further information about this fund, including the prospectus, latest annual report, any subsequent half-yearly reports and the latest price of units from and from Schroders, PO Box 02, Chelmsford, Essex, CM99 2XX, England, telephone They are in English, free of charge. misleading, inaccurate or inconsistent with the relevant parts of the fund's prospectus. Switches: Subject to conditions, you may apply to switch your investment into another unit class within this fund or in another Schroder fund. Please see the prospectus for more details. Tax Legislation: The fund is subject to UK tax legislation which may have an impact on your personal tax position. Remuneration Policy: a summary of Schroders' remuneration policy and related disclosures is at A paper copy is available free of charge upon request. Liability: Schroder Unit Trusts Ltd may be held liable solely on the basis of any statement contained in this document that is Glossary: You can find an explanation of some of the terms used in this document at This fund is authorised in the United Kingdom and regulated by the Financial Conduct Authority (FCA). This key investor information is accurate as at 9 February 206.

35 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. Vanguard U.S. Equity Index Fund (the "Fund") A sub-fund of Vanguard Investments Funds ICVC A GBP Accumulation Shares ISIN: GB00BB7Q7 Manager: Vanguard Investments UK Limited ("VIUK") Objectives and investment policy 2 The Fund seeks to track the performance of the Standard and Poor's Total Market Index (the Index ). 2 The Index is comprised of large, mid, small and micro-sized company stocks in the US. 2 The Fund attempts to:. Track the performance of the Index by investing in a representative sample of Index constituent securities. 2. Remain fully invested except in extraordinary market, political or similar conditions. 2 The Fund may invest in financial derivative instruments that could increase or reduce exposure to underlying assets and result in greater fluctuations of the Fund's net asset value. Some derivatives give rise to increased potential for loss where the Fund's counterparty defaults in meeting its payment obligations. 2 The currency of the share class is GBP. 2 The Fund invests in securities which are denominated in currencies other than the share class currency. Movements in currency exchange rates can affect the return of investments. 2 The Fund may engage in short term secured lending of its investments to certain eligible third parties. This is used as a means of generating additional income and to off-set the costs of the Fund. 2 The Fund may not be appropriate for short-term investment. 2 Income from the Fund will be reinvested and reflected in the price of shares in the Fund. 2 Portfolio transaction costs will have an impact on performance. 2 Shares in the Fund can be bought or sold on a daily basis (save on certain bank holidays or public holidays and subject to certain restrictions described in Appendix of the prospectus) by submitting an application in writing or by telephone. A full list of the days on which shares in the Fund cannot be sold is available on For further information about the objectives and investment policy of the Fund, and Vanguard's limited relationship with the Index provider, please see Appendix and the Disclaimers section of the Vanguard Investments Funds ICVC prospectus (the prospectus ) on our website at Risk and reward profile The risk and reward indicator does not take account of the following risks of investing in the Fund: 2 Counterparty risk. The insolvency of any institutions providing services such as safekeeping of assets or acting as counterparty to derivatives or other instruments, may expose the Fund to financial loss. 2 Liquidity risk. Lower liquidity means there are insufficient buyers or sellers to allow the Fund to sell or buy investments readily. 2 Index tracking risk. The Fund is not expected to track the performance of the Index at all times with perfect accuracy. The Fund is, however, expected to provide investment results that, before expenses, generally correspond to the price and yield performance of the Index. For further information on risks please see the Risk Factors section of the prospectus on our website at Lower risk Higher risk Typically lower rewards 2 Typically higher rewards This indicator is based on historical data and may not be a reliable indication of the future risk profile of the Fund. 2 The risk category shown is not guaranteed and may change over time. 2 The lowest category does not mean risk free. 2 The Fund is rated due to the nature of its investments which include the risks listed below. These factors may impact the value of the Fund's investments or expose the Fund to losses. - The value of equities and equity-related securities can be affected by daily stock market movements. Other influential factors include political, economic news, company earnings and significant corporate events. - Movements in currency exchange rates can adversely affect the return of your investment. - Investment risk is concentrated in specific sectors, countries, currencies or companies. This means the Fund is more sensitive to any localised economic, market, political or regulatory events.