amity international fund

Profit with Principles

GB0008448663SHARE CLASS AThis document provides you with key investor information about this Fund. It is not marketing material. The information is required by law to help you understand the nature and the risks of investing in this Fund. You are advised to read it so you can make an informed decision about whether to invest.

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

OBJECTIVES AND INVESTMENT POLICY

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

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

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

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

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

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

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

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

RISK AND REWARD PROFILE

KEY INVESTOR INFORMATION

AMITY INTERNATIONAL FUND

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

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

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

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

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

What risks are associated with this fund?

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

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

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

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

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

edentreeinvestment management

Lower risk = Typically lower rewards

Higher risk = Typically higher rewards

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Key Investor Information

CHARGES FOR THIS FUND

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

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

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

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

PRACTICAL INFORMATION

• Depositary: The Bank of New York Mellon (International) Limited.

• The UK tax regime may have an impact on your personal tax position.

• You can check the latest prices for the Fund in the Financial Times or on our website.

• You are entitled to switch from this Fund to another Fund on request, subject to a switching charge.

• The authorised Fund Manager may be held liable solely on the basis of any statement contained in this document that is misleading, inaccurate or inconsistent with the relevant parts of the Prospectus for the Fund.

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

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

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

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

This key investor information is accurate as at 1 February 2019.

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

One-off charges taken before or after you invest

Entry charge 5%

Exit charge None

Charges taken from the Fund over a year

Ongoing charges 1.58%

Charges taken from the Fund under specific conditions

Performance fee None

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

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

The ongoing charges figure is based on expenses for the year ending 31 December 2018 . This figure may vary from year to year and excludes portfolio transaction costs.

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

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

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

Amity International Fund – Share Class A

2018

26.0

18.1

11.0

3.5

15.8

23.5

13.5

-13.0

-3.4

-10.5

20172016201520142009 2010 2011 2012 2013

-20%

-10%

0%

10%

20%

30%

© EdenTree 2019

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

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

PAST PERFORMANCE

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

Objectives and investment policyObjective The investment objective of the Fund is to maximiseincome and maintain capital over the medium (5 years) to long (7years) term.Policy The Fund invests predominantly in high quality sterlingbonds issued by companies. All securities held within the Fund mustmeet the Fund's predefined ethical criteria (full details of the ethicalcriteria can be provided on request). The Fund may use derivatives,but for efficient portfolio management purposes only.Recommendation The Fund may not be appropriate forinvestors who plan to withdraw their money within 5 years.

Concepts to understandBonds Securities that represent an obligation to repay a debt, withinterest. Investment grade bonds are high quality bonds that areviewed as being highly likely to make all scheduled payments ofinterest and principal. Low quality bonds carry higher risk but alsotypically pay higher rates of interest.Derivative A financial instrument whose price is dependent uponor derived from one or more underlying asset.Efficient Portfolio Management An investment technique thatallows the use of derivatives for at least one of the followingpurposes: to increase the value of the Fund; to protect the value ofthe Fund or to reduce the risks of certain investments.You can buy and sell your shares on each working day, except publicholidays, at 12:00 noon if you tell us before 12:00 noon that youwant to do so. Instructions received after 12:00 noon will beprocessed at 12:00 noon on the following working day.The following share classes are available for the Fund:Accumulation M, Income M, Accumulation R and Income Z. Allshare classes are subject to a minimum investment. If this is anincome share class, any income will be paid out to you. If this is anaccumulation share class, any income will be reinvested in theFund.Class R shares are available only at the discretion of Royal LondonUnit Trust Managers.

Risk and reward profile

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Lower risk Higher risk

Typically lower rewards Typically higher rewards

The Fund is ranked in risk category 3 because its simulated shareprice has shown a low to medium level of volatility historically. TheFund was formed by merger and the SRRI was calculated usinghistoric data from the merging fund and may not be a reliableindicator of the future risk profile of the fund. As an investment,bonds are typically more volatile than money market instrumentsbut less volatile than shares. Bonds issued by corporations aretypically more volatile than bonds issued by governments.The risk and reward indicator is not a measure of the expected riseor fall in capital but shows how sharply the Fund’s share price hasgone up and down historically.A fund whose share price has experienced sharp or large increasesor decreases will sit in a higher risk category, whereas a fund whoseshare price has experienced small or gradual increases or decreaseswill sit in a lower risk category.The indicator is calculated using a standard methodology that isused by all companies offering such funds in Europe.The risk/reward indicator is an estimate and not a guarantee. Goingforward, the Fund’s actual volatility could be higher or lower, and itsrated risk/reward profile could change. The lowest risk categorydoes not mean the investment is risk free.The risk indicator does not adequately capture the following risks,which are materially relevant to the Fund:Credit Risk Issuers of certain fixed income securities couldbecome unable to make income or capital payments on their debt.As such the value of a security will fall in the event of a ratingdowngrade or default of the issuer. In general fixed incomesecurities that pay a higher level of income usually have a lowercredit rating because of the increased risk of default.Interest Rate Risk Fixed interest securities are particularlyaffected by trends in interest rates and inflation. If interest rates goup, the value of capital may fall, and vice versa. Inflation will alsodecrease the real value of capital.Liquidity Risk In difficult market conditions the value of certainfund investments may be less predictable than normal. In somecases this may make such investments harder to sell at the lastquoted market price, or at a price considered to be fair. Suchconditions could result in unpredictable changes in the value of yourholding.For more about fund risks, see the “Risk Factors” section in theProspectus (www.rlam.co.uk/Home/Individual-Investor/Fund-Performance--Prices/)


Royal London Ethical Bond Fund(Income - Class M Shares)A sub-fund of Royal London Bond Funds II ICVC ISIN: GB00BJ4KSY83Managed by Royal London Unit Trust Managers Limited

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ChargesThe charges you pay are used to pay the costs of running the Fund,including the costs of marketing and distributing the Fund. Thesecharges reduce the potential growth of the investment.

One-off charges taken before or after you invest:

Entry charge 0.00%

Exit charge 0.00%

Charges taken from the fund over a year:

Ongoing charge 0.52%

Charges taken from the fund under specific conditions:

Performance fee noneThe entry and exit charge is the maximum that might be taken outof your money before it is invested or before the proceeds of yourinvestment are paid out.The ongoing charges figure shown is an estimate of the chargesbecause the Fund only launched on 12 April 2019. The annualreport for each financial year will include details on the exactcharges made. This figure may vary from year to year and does notinclude portfolio transaction costs. Ongoing charges are the samefor all investors in the same share class.For more about charges, see the expenses section in the fullProspectus and supplement (www.rlam.co.uk/Home/Individual-Investor/Fund-Performance--Prices/)

Past performanceThe Royal London Ethical Bond Fund(Income - Class M Shares) in GBP

-2%

0%

2%

4%

6%

8%

10%

12%

14%

2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

1.5

12.7

0.6

8.8

6.8

-1.2

FundSource: RLAM and Datastream as at 31 December 2018

The Fund and share class were launched on 12 April 2019The Fund was formed by a merger on 12 April 2019. Theperformance shown above is that of the merging fund. The mergingfund had the same investment objectives and policy as this fund.Past performance is not a guide to future performance and may notbe repeated. The value of investments may go down as well as upand you may not get back the amount you originally invested.The chart shows performance in British pounds after the ongoingcharges and the portfolio transaction costs have been paid. Entryand exit charges are excluded from calculations of pastperformance.

Practical information

Depository HSBC Bank plc

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

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

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

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

Tax: Investors should note that the tax legislation thatapplies to the Fund may have an impact on the personal taxposition of their investment in the Fund. Contact youradviser to discuss tax treatment, suitability of thisinvestment, and other questions.

Notices: Royal London Unit Trust Managers may be heldliable solely on the basis of any statement contained in thisdocument that is misleading, inaccurate or inconsistent withthe relevant parts of the Prospectus for the UCITS.

The Fund is a sub-fund of Royal London Bond Funds IIICVC (a UCITS umbrella company). The prospectus andlong reports (shareholder reports) are prepared for theentire company. Theassets and liabilities of each sub-fundare segregated by law. Therefore, the assets of the Fundbelong exclusively to it and are not available to meet theliabilities of any other fund of Royal London Bond Funds IIICVC.

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

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

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

Telephone: 03456 04 04 04

Website: www.rlam.co.uk

A member of the Investment Association

Publication Date: This Key Investor Information isaccurate as at 12 April 2019.

Key Investor Information2 of 2

Royal London Ethical Bond Fund(Income - Class M Shares)


Objectives and investment policyObjective The Fund aims to provide growth in the value of yourinvestment over time, by investing mainly in UK shares and UKfixed income bonds. The Fund is also invested in other types ofinvestment, such as overseas shares, overseas government bonds,overseas corporate bonds, cash, property-related investments andderivatives.Policy The investments picked for this Fund are screened inaccordance with the Manager’s ethical and sustainable investmentpolicy. This policy applies an ethical screen to exclude companiesthat conflict with specific ethical concerns (e.g. the sale of weaponsor tobacco) and a sustainable screen then applies positive criteria,seeking out companies that aim to mitigate environmental andsocial challenges and improve quality of life. This means the Fundwill not invest in all areas of the market. Further details of thispolicy can be found in the Fund’s Prospectus. Between 20-60% ofthe Fund’s investments are in the shares of companies. At least halfof the Fund will be invested in shares and securities of UKcompanies. At least 30% of the Fund’s investments are in bondsissued by governments or investment grade companies.Recommendation This Fund may not be appropriate forinvestors who plan to withdraw their money within five years. Youshould aim to keep your units for at least five years, although youcan sell them at any time.Bonds Securities that represent an obligation to repay a debt, withinterest. Investment grade bonds are high quality bonds that areviewed as being highly likely to make all scheduled payments ofinterest and principal. Low quality bonds carry higher risk but alsotypically pay higher rates of interest.Derivative A financial instrument whose price is dependent uponor derived from one or more underlying asset.UK companies Companies which are established in the UK orwhich carry out a significant part of their activities in the UKOverseas companies Companies which are established outsideof the UK or which carry out a significant part of their businessactivities outside of the UK.You can buy and sell your shares on each working day, except publicholidays, at 12:00 noon if you tell us before 12:00 noon that youwant to do so. Instructions received after 12:00 noon will beprocessed at 12:00 noon on the following working day.Other share classes may be available as described in the Prospectus.If this is an income share class, any income will be paid out to you.If this is an accumulation share class, any income will be reinvestedin the Fund.


1 2 3 4 5 6 7



The Fund is shown in risk category 4 because its unit price hasshown a medium level of volatility historically. As an investment,bonds are typically more volatile than money market instrumentsbut less volatile than shares. Bonds issued by governments aretypically less volatile than bonds issued by corporations. Theindicator has been calculated using historical data and may not be areliable indication of the future risk profile of the Fund.This Fund has a mixture of bonds, money market instruments andshares.The risk and reward indicator is not a measure of the expected riseor fall in capital but shows how sharply the Fund’s share price hasgone up and down historically. A fund whose share price hasexperienced sharp or large increases or decreases will sit in a higherrisk category, whereas a fund whose share price has experiencedsmall or gradual increases or decreases will sit in a lower riskcategory. The indicator is calculated using a standard methodologythat is used by all companies offering such funds in Europe. Therisk/reward indicator is an estimate and not a guarantee. Goingforward, the Fund’s actual volatility could be higher or lower, and itsrated risk/reward profile could change. The lowest risk categorydoes not mean the investment is risk free.The risk indicator does not adequately capture the following risks,which are materially relevant to the Fund:Concentration Risk: Funds which invest in a smaller number ofsecurities can carry more risk than funds spread across a largernumber of companies. To the extent that the Fund has exposure toan issuer, geographical area or type of security that is heavilyaffected by an event, either positive or negative, its value may rise orfall.Credit Risk: Issuers of certain fixed income securities couldbecome unable to make income or capital payments on their debt.As such the value of a security will fall in the event of a ratingdowngrade or default of the issuer. In general fixed incomesecurities that pay a higher level of income usually have a lowercredit rating because of the increased risk of default.Interest Rate Risk: Fixed interest securities are particularlyaffected by trends in interest rates and inflation. If interest rates goup, the value of capital may fall, and vice versa. Inflation will alsodecrease the real value of capital.Exchange Rate Risk: Investing in assets denominated in acurrency other than the base currency of the Fund means the valueof the investment can be affected by changes in exchange rates.Liquidity Risk: In difficult market conditions the value of certainfund investments may be less predictable than normal. In somecases this may make such investments harder to sell at the lastquoted market price, or at a price considered to be fair. Suchconditions could result in unpredictable changes in the value of yourholding.Derivative risk Investing in derivatives, including commodityderivatives, carries the risk of reduced liquidity, substantial loss andincreased volatility in adverse market conditions, such as a failureamongst market participants. The use of derivatives may result inthe Fund being leveraged (where economic exposure, and thus thepotential for loss by the Fund exceeds the amount it has invested)and in these market conditions leverage may magnify losses.For full details of the Fund’s risks, please see the prospectus whichmay be obtained from (www.rlam.co.uk/Home/Individual-Investor/Fund-Performance--Prices/)


Royal London Sustainable Diversified Trust(Income - Class C Shares)ISIN: GB00B844WJ68This Fund is managed by RLUM Limited

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Entry charge 0.00%

Exit charge 0.00%




Performance fee noneThe entry and exit charge is the maximum that might be taken outof your money before it is invested or before the proceeds of yourinvestment are paid out.The ongoing charges figure is based on expenses as at 31 July 2018.This figure may vary from year to year and does not includeportfolio transaction costs. Ongoing charges are the same for allinvestors.For more information about charges please see the Fund’sprospectus, available at (www.rlam.co.uk/Home/Individual-Investor/Fund-Performance--Prices/)

Past performanceThe graph shows fund performance over the past 10 years whereavailable. Past performance is no guarantee of future performance.The figure for a given year shows how much the Fund increased ordecreased in value during that year. These results reflect ongoingcharges taken from the Fund, but do not reflect any entry chargesyou might have to pay.This Fund was launched on the 24 July 2009 and the share class on26 November 2012.

The Royal London Sustainable Diversified Trust(Income - Class C Shares) in GBP

-4%

-2%

0%

2%

4%

6%

8%

10%

12%

14%

2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

13.5

8.4

5.1

11.913.2

-2.5


Past performance is not a guide to future performance and may notbe repeated. The value of investments may go down as well as upand you may not get back the amount you originally invested.The chart shows performance in British pounds after the ongoingcharges and the portfolio transaction costs have been paid. Entryand exit charges are excluded from calculations of pastperformance.


Trustee: HSBC Bank plc

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

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



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

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

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




Telephone: 0800 195 1000



Publication Date: This Key Investor Information isaccurate as at 12 February 2019.


Royal London Sustainable Diversified Trust(Income - Class C Shares)


Objectives and investment policyObjective The Fund aims to provide growth in the value of yourinvestment over time, by investing predominantly in the shares ofUK companiesPolicy The investments picked for this Fund are screened inaccordance with the Manager’s ethical and sustainable investmentpolicy. This policy applies an ethical screen to exclude companiesthat conflict with specific ethical concerns (e.g. the sale of weaponsor tobacco) and a sustainable screen then applies positive criteria,seeking out companies that aim to mitigate environmental andsocial challenges and improve quality of life. This means the Fundwill not invest in all areas of the market. Further details of thispolicy can be found in the Fund’s Prospectus. At least 80% of theFund’s investments are in the shares of UK companies. Up to 20% ofthe Fund can be invested in shares in overseas companies.Recommendation This Fund may not be appropriate forinvestors who plan to withdraw their money within five years. Youshould aim to keep your units for at least five years, although youcan sell them at any time.UK companies Companies which are established in the UK orwhich carry out a significant part of their activities in the UKOverseas companies Companies which are established outsideof the UK or which carry out a significant part of their businessactivities outside of the UK.You can buy and sell your shares on each working day, except publicholidays, at 12:00 noon if you tell us before 12:00 noon that youwant to do so. Instructions received after 12:00 noon will beprocessed at 12:00 noon on the following working day.Other share classes may be available as described in the Prospectus.If this is an income share class, any income will be paid out to you.If this is an accumulation share class, any income will be reinvestedin the Fund.


1 2 3 4 5 6 7



The Fund is shown in risk category 5 because its unit price hasshown a medium to high level of volatility historically. As aninvestment, bonds are typically more volatile than money marketinstruments but less volatile than shares. Bonds issued bygovernments are typically less volatile than bonds issued bycorporations. The indicator has been calculated using historicaldata and may not be a reliable indication of the future risk profile ofthe Fund.This Fund has historically been primarily invested in shares.The risk and reward indicator is not a measure of the expected riseor fall in capital but shows how sharply the Fund’s share price hasgone up and down historically. A fund whose share price hasexperienced sharp or large increases or decreases will sit in a higherrisk category, whereas a fund whose share price has experiencedsmall or gradual increases or decreases will sit in a lower riskcategory. The indicator is calculated using a standard methodologythat is used by all companies offering such funds in Europe. Therisk/reward indicator is an estimate and not a guarantee. Goingforward, the Fund’s actual volatility could be higher or lower, and itsrated risk/reward profile could change. The lowest risk categorydoes not mean the investment is risk free.The risk indicator does not adequately capture the following risks,which are materially relevant to the Fund:Concentration Risk: Funds which invest in a smaller number ofsecurities can carry more risk than funds spread across a largernumber of companies. To the extent that the Fund has exposure toan issuer, geographical area or type of security that is heavilyaffected by an event, either positive or negative, its value may rise orfall.Exchange Rate Risk: Investing in assets denominated in acurrency other than the base currency of the Fund means the valueof the investment can be affected by changes in exchange rates.Liquidity Risk: In difficult market conditions the value of certainfund investments may be less predictable than normal. In somecases this may make such investments harder to sell at the lastquoted market price, or at a price considered to be fair. Suchconditions could result in unpredictable changes in the value of yourholding.For full details of the Fund’s risks, please see the prospectus whichmay be obtained from (www.rlam.co.uk/Home/Individual-Investor/Fund-Performance--Prices/)


Royal London Sustainable Leaders Trust(Income - Class A Shares)ISIN: GB0001615102This Fund is managed by RLUM Limited

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Entry charge 0.00%

Exit charge 0.00%




Performance fee noneThe entry and exit charge is the maximum that might be taken outof your money before it is invested or before the proceeds of yourinvestment are paid out.The ongoing charges figure is based on expenses as at 30 November2018. This figure may vary from year to year and does not includeportfolio transaction costs. Ongoing charges are the same for allinvestors.For more information about charges please see the Fund’sprospectus, available at (www.rlam.co.uk/Home/Individual-Investor/Fund-Performance--Prices/)

Past performanceThe graph shows fund performance over the past 10 years whereavailable. Past performance is no guarantee of future performance.The figure for a given year shows how much the Fund increased ordecreased in value during that year. These results reflect ongoingcharges taken from the Fund, but do not reflect any entry chargesyou might have to pay.The Fund and share class were launched on 29 May 1990.

The Royal London Sustainable Leaders Trust(Income - Class A Shares) in GBP

-5%

0%

5%

10%

15%

20%

25%

30%

35%

2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

21.7

9.9

-4.0

18.7

31.9

3.5

8.7 8.0

14.9

-2.7


Past performance is not a guide to future performance and may notbe repeated. The value of investments may go down as well as upand you may not get back the amount you originally invested.The chart shows performance in British pounds after the ongoingcharges and the portfolio transaction costs have been paid. Entryand exit charges are excluded from calculations of pastperformance.


Trustee: HSBC Bank plc

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

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



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

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

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




Telephone: 0800 195 1000



Publication Date: This Key Investor Information isaccurate as at 1 March 2019.


Royal London Sustainable Leaders Trust(Income - Class A Shares)

This indicator reflects the volatility of the fund's share price over the last five

years which in turn reflects the volatility of the underlying assets in which the

fund invests. Historical data may not be a reliable indication for the future.

The current rating is not guaranteed and may change if the volatility of the

assets in which the fund invests changes.

The lowest rating does not mean risk free.

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

factors apply:

(a) The fund invests in securities which are subject to the risk that the issuer

may default on interest or capital payments.

(b) The fund price can go up or down daily for a variety of reasons including

changes in interest rates, inflation expectations or the perceived credit

quality of individual countries or securities.

(c) The use of derivatives carries the risk of reduced liquidity, substantial loss

and increased volatility in adverse market conditions, such as a failure

amongst market participants. The use of derivatives may result in the fund

being leveraged (where market exposure and thus the potential for loss by

the fund exceeds the amount it has invested) and in these market

conditions the effect of leverage will be to magnify losses. The fund makes

routine use of derivatives.

(d) The fund invests in high yielding bonds which carry a greater risk of default

than those with lower yields.

The fund employs a single swinging pricing methodology to protect against the

dilution impact of transaction costs. A change in the pricing basis will result in

movement in the fund's published price.

All investment involves risk. This fund offers no guarantee against loss or that

the fund's objective will be attained.

Past performance is not a guide to future returns and future returns are not

guaranteed. The price of assets and the income from them may go down as

well as up and cannot be guaranteed; an investor may receive back less than

their original investment.

Inflation reduces the buying power of your investment and income.

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

rate fluctuations.

The fund could lose money if an entity (counterparty) with which it does

business becomes unwilling or unable to honour its obligations to the fund.

In extreme market conditions some securities may become hard to value or sell

at a desired price. This could affect the fund's ability to meet redemptions in a

timely manner.

The fund could lose money as the result of a failure or delay in operational

processes and systems including but not limited to third party providers failing

or going into administration.


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.

Standard Life Investments Ethical Corporate Bond Fund, a Sterling denominated sub fund of the Standard Life Investment

Company II, Platform 1 Income Shares (ISIN:GB00B4LQ8T99). This fund is managed by Aberdeen Standard Fund Managers

Limited.

Objectives and Investment PolicyThe fund aims to provide a level of income, before charges, above that

available on UK Government bonds by investing predominantly in investment

grade bonds.

The fund is actively managed by our investment teams who may invest in a

wide range of bonds (e.g. corporate bonds including sub investment grade

bonds, overseas bonds, index-linked bonds, floating rate notes (FRNs) and asset

backed securities (ABSs) and/or money market instruments) in order to take

advantage of opportunities they have identified and which meet our strict

ethical criteria. These criteria are agreed with the Standard Life Ethical Funds

Advisory Group and may be amended from time to time if considered

appropriate. The fund manager will exclude companies which fail to meet the

ethical criteria whilst seeking to include companies whose business activities

are regarded as making a positive contribution to society.

The fund will routinely use derivatives to reduce risk or cost, or to generate

additional capital or income at proportionate risk (Efficient Portfolio

Management) or to meet its investment objective. Derivatives may be used to

provide market exposures different to those that could be achieved through

investment in assets in which the fund is primarily invested. Usage of

derivatives is monitored to ensure that the fund is not exposed to excessive or

unintended risks.

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

distributed.

Investors in the fund may buy and sell shares on any dealing day (as defined in

the Prospectus).

Recommendation: the fund may not be appropriate for investors who plan to

withdraw their money within five years. Investors should satisfy themselves that

their attitude to risk aligns with the risk profile of this fund before investing.

Risk and Reward Profile

1 2 3 5 6 744



Performance has been calculated over the stated period based on the share

price of this share class. It does not take into account any entry, exit or

switching charges but does take into account the ongoing charge, as shown in

the Charges section.

Past performance is not a guide to future performance

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

The performance of the share class is calculated in Sterling.

The fund does not have an index-tracking objective.

ChargesThe charges you pay are used to pay the costs of running the fund including

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%

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: 0.66%

Charges taken from the fund under certain specific conditions

Performance Fees: None

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 reflects the amount based on expenses for the year

ending 31/10/2017. 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 in another

collective investment undertaking.

A switching charge may be applied in accordance with the Prospectus. For more

information about charges please see Prospectus.

For more information about charges, please see the Prospectus which is

available at www.standardlifeinvestments.com.

Past PerformanceStandard Life Investments Ethical Corporate Bond Fund, Platform 1 Income

Shares, 31 December 2018

% Returns

Year

1.3

9.7

-0.1

9.4

5.1

-3.0

2009 2010 2011 2012 2013 2014 2015 2016 2017 2018-10

-5

0

5

10

15

Source: Aberdeen Standard Investments

Practical InformationName of Depositary: Citibank Europe plc, UK Branch, Citigroup Centre, Canada

Square, Canary Wharf, London E14 5LB.

Further information about Standard Life Investment Company II (Prospectus,

report & accounts) can be found at www.standardlifeinvestments.com, where

documents may be obtained free of charge.

Other practical information (e.g. where to find latest share prices) can be found

in documents held at www.standardlifeinvestments.com.

Details of the up to date remuneration policy which includes a description of

how remuneration and benefits are calculated, the identities of the persons

responsible for awarding remuneration and benefits and the composition of

the remuneration committee, are available at

www.standardlifeinvestments.com and a paper copy will be available free of

charge upon request from Aberdeen Standard Fund Managers Limited.

Prospective investors should consult their own professional advisers on the

potential tax consequences of acquiring, holding or selling shares.

Aberdeen Standard 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

Standard Life Investment Company II.

Other share classes are available in the fund and further information about

these can be found in the Standard Life Investment Company II Prospectus.

Standard Life Investment Company II is an umbrella structure comprising a

number of different sub funds, one of which is this fund.

This document is specific to the fund and share class stated at the beginning of

this document. However, the Prospectus, annual and half-yearly reports are

prepared for the entire umbrella.

The assets of a sub fund within the umbrella belong exclusively to that sub

fund and shall not be used or made available to discharge (directly or indirectly)

the liabilities of, or claims against, any other person or body including Standard

Life Investment Company II and any other sub fund. Any liability incurred on

behalf of or attributable to any sub fund shall be discharged solely out of the

assets of that sub fund.

Investors may switch their shares in the fund for shares in another sub fund

within Standard Life Investment Company II. For further information please

refer to the prospectus (section on 'Switching') which can be found at

www.standardlifeinvestments.com.

The Standard Life Investment Company II and Aberdeen Standard Fund Managers Limited are authorised in the United Kingdom and regulated by the Financial

Conduct Authority. This Key Investor Information is accurate at 16/1/2019

Aberdeen Standard Investments is a brand of the investment businesses of Aberdeen Asset Management and Standard Life Investments.

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

KIID_X3_33_Inc_N_GBP_GB_EN_16012019

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Stewart Investors Worldwide Sustainability Fund (Fund)

Class B (Income) GBP (Share Class)

ISIN GB00B8319S60

a sub-fund of First State Investments ICVC (the Company)

First State Investments (UK) Limited (trading as Stewart Investors), the authorised corporate director of the Company

Objectives and investment policy

Objective: The Fund aims to grow your investment.

Policy: The Fund invests in shares of companies around the world.

The Fund may invest in both developed and emerging market countries (countries that typically have lower average income and standards of governance than developed markets). The Fund invests in companies which are positioned to benefit from, and contribute to, the sustainable development of the countries in which they operate.

Investment decisions around sustainability are based on three key points:

° Identifying companies who manage sustainability risks and opportunities and those with a positive sustainability impact.

° Inclusion of environmental, social and corporate governance matters in investment research.

° Engaging directly with companies on identified sustainability issues.

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

You can buy and sell shares in the Fund on any business day. As long as we receive your instruction before 12 noon (UK time), shares will be bought at that day's price.

The Fund's manager may use its discretion when deciding which investments should be held by the Fund.

You may receive a regular income from your investment which will be paid semi-annually. This may affect the potential growth of your investment.

In addition to the charges set out in the charges section, the Fund will incur portfolio transaction costs which are paid from the assets of the Fund.

Recommendation: this Fund may not be appropriate for investors who plan to withdraw their money within five years.


Lower Risk Higher Risk

Potentially Lower Rewards Potentially Higher Rewards

1 2 3 4 5 6 7

The synthetic risk reward indicator (the SRRI) rating is not a measure of the risk of you losing your investment but describes how much the value of the Share Class has gone up and down in the past. Where a Share Class has not yet launched, the SRRI is calculated using representative data.

The SRRI rating is based on historical data which may not be a reliable indication of the future risks and rewards of the Share Class.

We cannot guarantee that the rating of the Share Class will remain the same; it may change over time.

Even the lowest rating 1 does not mean a risk free investment.

On a scale of 1 (less risky) to 7 (more risky), this Share Class has a rating of 5 due to its past performance (or representative data) and the nature of its investments. Shares with a rating of 5 might have higher risks, but also higher returns.

Risk is taken in order to make a higher potential return; the more risk a fund takes, the higher the potential return but the greater the risk of loss.

The value of the Fund and its return is not guaranteed and may fall as well as rise. You may get back significantly less than you originally invested.

Material risks not adequately captured by the SRRI:

Emerging market risk: emerging markets may not provide the same level of investor protection as a developed market; they may involve a higher risk than investing in developed markets.

Currency risk: the Fund invests in assets which are denominated in other currencies; changes in exchange rates will affect the value of the Fund.

For further information on risks, please refer to the Risk Factors section in the Company's prospectus.

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.

This Fund is authorised in the UK and regulated by the Financial Conduct Authority. First State Investments (UK) Limited (trading as Stewart Investors) is authorised and regulatedin the UK by the Financial Conduct Authority. This key investor information is accurate as at 14 January 2019.

Page 2/2

Charges for this Fund

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.

The entry and exit charges shown are the maximum you will need to pay. In some cases you might pay less - you can find out the actual entry and exit charges from your financial adviser.

The ongoing charge is based on expenses for the year ending July 2018. It may vary from year to year. It excludes portfolio transaction costs and performance fees, if any.

There are fees for switching between sub-funds. The fee for switching into the Fund is 0.5%.

Further information can be found in the Buying, Selling and Switching Shares section of the Company's prospectus.

One-off charges taken before or after you invest

Entry charge 4.00%

Exit charge N/A

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

Charges taken from the fund over a year


Charges taken from the fund under certain specific conditions

Performance fee N/A

Past performance

Past performance is not a reliable guide to future performance. The past performance shown here includes fees, any reinvested income and tax.

The Fund launched on 01 November 2012.

The Share Class launched on 22 January 2013. The past performance of the Share Class is calculated in GBP.


Depositary: The Bank of New York Mellon (International) Limited

Further information: The prospectus, annual and semi-annual reports of the Company are available free of charge on www.firststateinvestments.com or by contacting First State Investments, 23 St. Andrew Square, Edinburgh, EH2 1BB. All documents are available in English, German and Swiss German. You can also obtain any of these documents from the representative or paying agent in your country.

Other practical information: The Fund's share price and other information about the Fund is available at www.firststateinvestments.com. The prospectus, annual and semi-annual reports contain information about all of the sub-funds and share classes of the Company. Please note that not all sub-funds and share classes may be registered for distribution in your jurisdiction.

Tax legislation: The Fund is subject to UK tax laws. This may have an impact on your personal tax position. For further details, please speak to your tax adviser.

Liability statement: The Company 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 Company.

Fund information: Each sub-fund of the Company is responsible for meeting its own debts. The sub-funds are segregated by law. This means that investments of the Fund can not be used to pay the debts of the other sub-funds.

You can exchange shares in the Fund for shares in another sub-fund, which is called switching. There may be a charge for switching, as indicated above in 'Charges'.

Remuneration: Information on the current remuneration policy of First State Investments (UK) Limited, including a description of how remuneration and benefits are calculated and the identity of persons responsible for awarding the remuneration and benefits, is available at www.firststateinvestments.com. A paper copy of this information is available free of charge upon request from First State Investments, 23 St Andrew Square, Edinburgh, EH2 1BB.

7.1% 6.1%

27.5%

14.5%

0.5%

0%

5%

10%

15%

20%

25%

30%

2014 2015 2016 2017 2018

amity international fund

Documents