Supplementary Investor Information Document for the Clerical Medical Open Ended Investment Company

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1 Supplementary Investor Information Document for the Clerical Medical Open Ended Investment Company This Supplementary Investor Information Document (SIID) is designed to be read alongside the relevant Key Investor Information Document(s) (KIIDs) for our OEIC funds. Together, they summarise important information about these funds and provide answers to some important questions. You should read these documents carefully to help you understand what you are buying, and keep them safe for future reference. There is a separate Key Investor Information Document (KIID) for each of our OEIC funds, and you should ensure that you read the KIID for the fund you re considering investing in. You must be a UK resident to invest in our Clerical Medical Open Ended Investment Company. If you become a resident of the United States you won t be able to continue to hold your investment in any of our OEIC funds. The Clerical Medical Open Ended Investment Company is suitable for an investor who: typically is investing for growth and/or income typically can invest for at least five to ten years understands the risks and investment objective of the fund(s) chosen. Its aims The Clerical Medical Open Ended Investment Company (OEIC) aims to help the value of your money grow over time and/or provide an income. Your commitment You agree to invest a minimum lump sum of 10,000. You can add to your investment from a minimum of 1,000. You can also invest on a regular basis from 400 a month. You accept that your investment is a medium to long-term investment, ideally for at least five to ten years. To offer a choice of funds so you can invest in those which best match your objectives. The specific objectives and investment policy for each fund are set out in the relevant KIID.

2 Product risks Taking withdrawals from your investment will reduce any capital growth, or could be greater than the total growth. You should review the amount you take to ensure you do not erode your investment. For the Income Fund, capital growth will be reduced as the annual management charges are taken from the capital of the relevant fund rather than the income. This will increase the amount of income available. Our charges may increase. Tax rules could change. You have a right to cancel your investment within 30 days of receiving your cancellation notice. If you do cancel and you have made a lump sum investment and the value of the investment has fallen, you will get back less than you invested. Specific fund risks The specific risk factors for each fund are set out in the relevant KIID. You will also find details of the risks in the full OEIC Prospectus, which is available on request, free of charge. General fund risks (a) Market Risk The investments of the Company* may go up and down in value and are subject to other risks inherent in securities. The value of investments and the income derived from them may fall as well as rise. Investors may not get back the original amount invested in the Company. What investors get back will depend on investment performance, nothing is guaranteed. Past performance is no guarantee of future performance. There is no guarantee that the investment objective of any Fund will actually be achieved. *As defined in the What is the Clerical Medical Open Ended Investment Company (OEIC)? section on page 4. (b) Performance Risk There will be a variation in performance between Funds with similar objectives due to the different assets selected. Funds will also diverge from their benchmarks depending on these selections. Funds aiming for relatively high performance can incur greater market movement than those adopting a more standard investment approach. The performance of your investment is not guaranteed. If you invest in the Fund(s) to build up a particular sum by a certain date you may not achieve the target amount if you do not maintain your contributions or the investment value does not grow sufficiently. 1

3 (c) Capital Risk Where there is an initial charge/entry charge or a redemption charge/exit charge, an investor who sells their Shares after a short period may not (even in the absence of a fall in value of the relevant investments) realise the amount originally invested as the Fund will not have grown by an amount sufficient to cover the amount of initial charge/entry charge or redemption charge/exit charge deducted. Therefore, the Shares should be viewed as a medium to long-term investment. (d) Cancellation of Shares If you decide to use your right to cancel a lump sum investment within the first 30 days and the value of the Shares purchased by that investment has fallen by the time we receive your instructions at our administration unit, the amount you will receive will be less than the amount you invested. (e) Concentration of investments A Fund could be subject to significant losses if it holds a large position in a particular region that declines in value or is otherwise adversely affected. A Fund may be more vulnerable to particular geographic, economic, political, regulatory or other developments than would a more diversified investment. (f) Currency Exchange Rates Depending on an investor s currency of reference, rises and falls in the value of currency may adversely affect the value of an investment. (g) Inflation As Shares in the Funds should be viewed as medium to long-term investments, the impact of inflation on any growth in the Funds must be considered. The impact of inflation is to reduce the value of such growth in real terms. (h) Investor Taxation Tax regulations, concessions and accounting rules are not guaranteed and can change at any time. Their value to a Shareholder will depend on individual circumstances. (i) Deferred Redemptions In times of high redemption, to protect the interests of continuing Shareholders, the Authorised Corporate Director (ACD) may defer redemptions at a particular Valuation Point to the next Valuation Point where requested redemptions exceed a specified percentage of a fund s value. This will allow the ACD to match the sale of scheme property to the level of redemption, thereby reducing the impact of dilution in the fund. Requests for redemption in these circumstances will be treated on a pro rata basis to ensure the consistent treatment of all Shareholders. At the next such Valuation Point all deals relating to an earlier Valuation Point will be completed before those relating to the later Valuation Point are considered. (j) Suspension of Dealings in Shares Investors are reminded that in certain circumstances their right to sell Shares (which also includes switches) may be suspended. Please refer to the Full Prospectus for further details. 2

4 (k) Liabilities of the Company Although each Fund so far as possible is treated as bearing the liabilities, expenses, costs and charges attributable to it, if its assets are not sufficient the ACD may reallocate assets, liabilities, expenses, costs and charges between the other Funds in a manner which is fair to the Shareholders of the Company generally. The ACD would normally expect any such reallocation to be effected on a pro rata basis having regard to the Net Asset Values of the relevant Funds. If there is any such reallocation the ACD will advise Shareholders of it in the next succeeding annual or half yearly report to Shareholders. Shareholders are not, however, liable for the debts of the Company. A Shareholder is not liable to make any further payment to the Company after they have paid the purchase price of the Shares. Risk and Reward Indicator The KIID for each Clerical Medical OEIC fund includes a Risk and Reward Indicator for the fund. The indicator is a legally required score that we must provide for each fund. The score (between 1 and 7) indicates the level of volatility a fund has experienced over the preceding 5 years. Volatility is a measure of the rise and fall in prices and income. The following explains our interpretation of what each score means: 1: very low levels of volatility over the past 5 years 2: low levels of volatility over the past 5 years 3: low to medium levels of volatility over the past 5 years 4: medium levels of volatility over the past 5 years 5: medium to high levels of volatility over the past 5 years 6: high levels of volatility over the past 5 years 7: very high levels of volatility over the past 5 years Please note that the indicator can change on a regular basis. 3

5 QUESTIONS AND ANSWERS What is the Clerical Medical Open Ended Investment Company (OEIC)? The Clerical Medical OEIC is a collective investment scheme that pools the investments of a number of investors and invests in a portfolio of stocks and shares with the aim of spreading the risk. You can invest in one or more of the funds. You must be at least 18 years old to invest. You can invest jointly with up to three other people. How flexible is it? You can add to your investment at any time with a minimum lump sum of 1,000 or with regular investments from 400 a month. You can increase your regular investments by a minimum of 25 a month. You can invest for as long as you want. By selling shares, you can take out all or part of your investment at any time. You can take regular withdrawals. You can invest in more than one fund. You can switch your money into different funds. If you wish to switch funds, please write to us at our administration office with your instructions. (Please see the How can I contact Clerical Medical? section.) We currently waive the charge for switches between shares, which is normally 1% of the value of the shares switched. However, this will not prevent a switching charge of 1% from being made in the future by giving you 90 days prior written notice. What might I get back? When you decide to cash in your investment you will get back the value of the shares you have in the OEIC at that time. There is no guaranteed return. What you get back will depend on: the amount invested how long it has been invested the investment performance of the fund our charges the amount of any withdrawals you have made the amount of any income distributions you have received, if you have invested in income shares. Can I take money out? You can take out all or part of your investment at any time by selling shares. Any money you take out will reduce the value of your investment. The minimum withdrawal is 1,000. This does not apply to regular withdrawals (see overleaf). The minimum amount that must remain in any chosen fund after any withdrawal is 1,000. You should notify us in writing if you wish to make any withdrawals. We will send you a cheque within five working days of receiving your request at our administration office. All regular withdrawals will be paid directly into your bank account. 4

6 If you invest in income shares in the Income Fund, any income you are due to receive will be paid directly into your bank account on a quarterly basis. It is paid on 31 January, 30 April, 31 July and 31 October to shareholders registered on 30 November, 28 February, 31 May and 31 August. Regular withdrawals If your investment includes lump sums to buy accumulation shares in one or more funds, you can take regular withdrawals. You can withdraw up to a maximum of 7.5% a year of the total value of the accumulation shares in your OEIC. You can choose to have your regular withdrawals paid monthly, quarterly, termly (every four months), half-yearly or annually. Payments will be made on the 15th of the month or, if that day is not a working day, the next working day. The minimum withdrawal is 240 each year. Regular withdrawals are funded by selling sufficient shares. The number of shares we sell can vary depending on share price movements: Shares will be sold in the order in which they were bought, ie those bought first will be the first to be sold. The sale of shares will normally take place five business days prior to payment date. If you have accumulation shares in more than one fund, we will sell shares from each fund in the same proportion as the holding of accumulation shares in that fund representative to your total holding of accumulation shares. This means that if you have a 10,000 investment in accumulation shares and 6,000 is in one fund and 4,000 is in another, your withdrawal payment will be taken 60% from the first fund and 40% from the second. The amount of your regular withdrawal is based on the chosen percentage of your initial investment in accumulation shares. The amount will be fixed until your regular withdrawal is reviewed. It will be reviewed: on each anniversary of your initial investment if you make an additional investment if you take a one-off withdrawal. We will write and tell you the new amount. We will pay regular withdrawals directly to your bank account. How much can I pay in? The minimum lump sum you can invest is 10,000. At least 1,000 must be invested in each fund you select. The minimum regular investment is 400 a month. At least 100 a month must be invested in each fund you select. Regular investments can only be used to buy accumulation shares of one or more of the funds. You can invest by contacting your financial adviser who will send us a completed application form. Alternatively you or your adviser can call our dealers direct on: You can make lump sum investments by cheque or banker s draft. For regular investments, you must complete a direct debit instruction. If at a later date you wish to change the amount of your regular investment, please write to us at our administration office telling us the new amount. 5

7 Where is my payment invested? You can choose from a range of funds. When you invest, you buy a number of shares in the fund or funds you select for your OEIC. You can invest in income or accumulation shares in the following fund: Income Fund. You can invest in accumulation shares only in the following funds: Balanced Managed Fund International Managed Fund FTSE 100 Tracker Fund. We normally value shares at 12 noon each working day. So if you ask us to put more money in or take money out for you, we ll buy or sell your shares at the prices which apply at the next valuation after we receive your instructions at our administration office. Our website funds gives more details about the funds available. If you are making regular investments you can redirect your payments to a different fund, by notifying us in writing. What are the fund choices? Income funds Clerical Medical Income Fund Growth funds Clerical Medical Balanced Managed Fund Clerical Medical International Managed Fund Clerical Medical FTSE 100 Tracker Fund This means that any instructions to buy or sell received at our administration office before 12 noon will get that day s price and any instructions received after 12 noon will get the price calculated on the next business day. If you invest in income shares any distributions will be paid to you. If you invest in accumulation shares, any distributions will be automatically accumulated into the fund and will be reflected in the price of your shares. 6

8 What happens to the OEIC if I die? If your investment is held in joint names, it will continue to be held by the surviving holder(s). If your investment is in your sole name it will remain invested. Your personal representative may ask us for information about the value of your investment which we will provide. When your personal representatives have proved that they are legally entitled to the money invested, they can tell us to cash in your investment or transfer it into another person s name. Until the shares are sold, they will continue to be affected by daily price movements as normal. The value of your investment is treated as part of your estate, so your personal representatives may need to declare it for inheritance tax purposes. Transfers of holdings on death can only be made to UK residents. What are the charges? Our charges are: Initial charge/entry charge An initial charge/entry charge, which is a percentage of your payment, is deducted when shares are bought. (Please note the initial charge is called the entry charge in the KIID.) This charge is the maximum that might be taken out of your money before it s invested, and it covers the cost of setting up your investment. Annual management charge Annual management charge we will take a 1% annual management charge when we calculate the daily share price of each of the funds. This is worked out as a percentage of the value of the relevant fund. For the Income Fund we take the annual management charge from the capital of the fund each month, which will restrict the growth on your investment. For the other funds, we take the charge from the income each month. Early withdrawal charge/exit charge There s currently no exit charge when you sell part or all of your investment. Ongoing charge The Ongoing Charge which covers operating expenses and the annual management charge is detailed in the relevant KIID. We charge certain fees and expenses to the property of each fund. Full details of all fees and expenses are explained in the full prospectus. Currently all fees and expenses, with the exception of those noted below, are met by us and not charged to the fund. However we may charge these fees and expenses against the property of the fund in the future. The only fees and expenses that are currently charged to the property of each fund are those relating to: dealing costs and any other charges payable when assets of the fund are bought or sold interest on and any other charges relating to any borrowings taxation and any other duties payable by the OEIC. Additional charges information We can change most of the charges we make. We may do this if our costs turn out to be unexpectedly high, compared to our charges. Charges may increase if: 7

9 a tax rule or law increases our costs or decreases our income from charges our staff or overhead costs are more than we expect, or our income from charges is less than we expect. We work out the value of shares in a fund using the mid-market value of the assets in that fund. However, the actual cost of buying and selling these assets may vary from the mid-market value due to dealing charges, taxes and any spread between the buying and selling prices of the assets. To counter the effects of this and in order to protect the best interests of all our shareholders, it may be necessary for an adjustment to be made to the share price within a fund to reflect the dealing costs and is known as a dilution adjustment. A dilution adjustment is not a charge and we will not benefit from applying it. For further details, please ask for a copy of the full OEIC prospectus (available free of charge). How much will the advice cost? Your adviser will give you details about the cost. What about tax? This is only a general summary of the tax position in the United Kingdom and is based upon our understanding of current law and practice. The tax consequences for you of investing in the OEIC fund(s) depend on the tax laws applicable to you and/or to the place where the capital is invested. Tax rules and rates may change in the future. If you need help working out your tax position, you should ask an appropriate professional such as an accountant. Corporate investors should consider the need to seek professional advice about any tax implications. Capital gains tax (CGT) may be due on any capital gain if OEIC shares are sold or transferred. This includes any regular withdrawals or one-off withdrawals. CGT may also be payable on any switches between funds. UK resident individual shareholders may be liable to income tax on the income and accumulation distributions of the fund(s) depending on your own tax position. We will send you a tax voucher to help you to complete your tax return. If you have invested in the Clerical Medical Income Fund, we will deduct income tax of 20% from any income or accumulations. Non-taxpayers and taxpayers who pay the starting rate of tax (10%) on their savings may reclaim all or part of this tax. Non-resident individual shareholders and corporate shareholders will receive income or accumulations gross, provided a valid declaration (and indemnity where appropriate) has been signed. We will provide HM Revenue & Customs with any information about your investment that we are required to give them. Income and accumulation distributions from all funds, other than the Clerical Medical Income Fund, are treated as paid net of a non-repayable 10% tax credit. Your investment may affect your entitlement to age allowances, tax credits, state pension credit and other state and local authority benefits. OEIC taxation At fund level, net taxable income is chargeable to corporation tax, currently at a rate of 20%. The funds are exempt from corporation tax on capital gains. 8

10 Can I change my mind? Yes, after we accept your application you will receive a notice of your right to cancel. You will then have 30 days in which you can change your mind. If you do decide to change your mind, you will need to sign and return the cancellation notice. If you have invested a lump sum, we will give you your money back less any fall in the value of your investment, by the time we receive your instructions at our administration office. If you have chosen to make regular monthly payments, we will refund any payments you have made. You will not receive a cancellation notice if you switch between funds. How will I know how my investment is doing? When you make a lump sum investment or sell your investment we will issue a contract note within two business days of receiving your instructions at our administration office. You should keep your contract note as a record of your investment as we do not issue share certificates. You can also get an up-to-date valuation or a free copy of the full prospectus and half-yearly report and accounts from our customer helpline by telephoning: Lines are open Monday to Friday 9am to 5.30pm. How can I contact Clerical Medical? Your financial adviser will normally be your first point of contact. We won t be able to give you financial advice. If you wish to make an additional investment, set-up a regular withdrawal or cash in all or part of your investment, please contact your financial adviser. If you have any questions at any time you can contact us by: Telephoning our customer help line on: Monday to Friday 9am to 5.30pm. We may record your call for quality and training purposes. Writing to us at our administration office: Clerical Medical, BNY Mellon House, Ingrave Road, Brentwood, Essex CM15 8TG, United Kingdom. If you make regular investments we will issue a contract note for your first investment only. Details of all your other investments will be shown in your half-yearly statement. We will send you a statement every six months to keep you up-to-date with the value of your investment. If your investment is held in joint names, the statement will only be issued to one of you. We will also send you a copy of the latest report and accounts every six months. Share prices are published on our website: 9

11 OTHER INFORMATION How to complain If you wish to complain about any aspect of the service you have received, you should contact our administration office at: Clerical Medical, BNY Mellon House, Ingrave Road, Brentwood, Essex CM15 8TG. If your complaint is not dealt with to your satisfaction you can complain to the Financial Ombudsman Service at Exchange Tower, London E14 9SR. Telephone: Making a complaint will not affect your right to take legal action. A copy of our complaints procedure is available on request. Client categorisation We classify you as a retail client. Conflict of interest policy 1.1 In accordance with the Financial Services regulations, Clerical medical, which is a member of the Lloyds Banking Group, has established and implemented a Conflicts Policy. The Conflicts Policy sets out how we must seek to identify and manage all material conflicts of interest. Such conflicts of interest can occur in our day to day business activities, for example, where one of our clients could make a gain at the direct expense of another client, or we might be faced with an opportunity to make a gain but this would be to the direct disadvantage of one or more of our clients. 1.2 Depending on the exact nature of the conflict of interest involved, we may take certain actions in accordance with the Conflicts Policy to lessen the potential impact of the conflict. Such actions may include putting in place controls between the opposing sides of the conflict, which may control or prevent the exchange of information, and / or involve the appropriate management of staff activities and segregation of duties. In instances where such controls would not be enough to eliminate the potential material risk of damage to clients from specific conflicts, we ll disclose the general nature and/or source of those conflicts of interest to you before we take on the relevant business. 1.3 The Conflicts Policy may be revised and updated from time to time. If you d like more information on the Conflicts Policy, or on any specific conflict of interest that you think might affect you, please contact us. Terms and conditions Your application to buy shares, together with this SIID and the relevant Key Investor Information Document(s), form the basis of the terms and conditions of your contract for the purchase and sale of shares. Any future purchases or sales of shares (including switches) will be governed by our terms and conditions. Further information is available in the full prospectus and OEIC report and accounts (available free of charge). If you would like a copy of these or any further information, please contact your financial adviser or our administration office at: Clerical Medical Investment Fund Managers Limited, BNY Mellon House, Ingrave Road, Brentwood, Essex CM15 8TG. We can only change these terms and conditions in line with the Financial Conduct Authority rules which apply to changes to OEICs. 10

12 Investor cash balances Any investor cash balances (which is money held on behalf of an investor) shall be deposited with companies within the Lloyds Banking Group or with such other bank or building society as we may nominate from time to time. The cash will be held in a segregated account, separate from any account used to hold money belonging to us in our own right. We will not, however, be responsible for any acts or omissions of the bank or building society. If the bank or building society becomes insolvent, we will have a claim on behalf of our clients against the bank or building society. If the bank or building society cannot pay all of its creditors, any shortfall may have to be shared pro rata between them. However, you may be entitled to compensation under the Financial Services Compensation Scheme, details of which are available on request. Interest will not be paid on any cash held in client money accounts (an account where investors money may be held). Client money and asset rules In some circumstances, depending on the nature of your transaction with us, we will make use of the Delivery versus Payment exemption within the Financial Conduct Authority s client money and asset (CASS) rules. This means that when you pay money into, or withdraw money from, your investment there could be a period of time (up to the end of the business day after the date we have received the money) where your money is not protected under the CASS rules. In such cases, if we were to become insolvent during that period, there is a risk that you may not receive your money back. Law It is agreed that the Clerical Medical OEIC is governed by the laws of England and Wales. It is agreed that any dispute will be dealt with by the English courts. The terms and conditions and any further communications will be supplied in English. Authorised Corporate Director (ACD) The ACD of the Clerical Medical Open Ended Investment Company is Clerical Medical Investment Fund Managers Limited, Trinity Road, Halifax, West Yorkshire HX1 2RG, who are authorised and regulated by the Financial Conduct Authority. Its head office is: Clerical Medical Investment Fund Managers Limited 1 Lovell Park Road Leeds LS1 1NS Depositary The Depositary of the Clerical Medical Open Ended Investment Company is National Westminster Bank plc whose registered office is at 135 Bishopsgate, London EC2M 3UR. Investment adviser The Investment Adviser is Aberdeen Asset Investment Limited. Authorised and regulated by the Financial Conduct Authority in the United Kingdom. Member of the Aberdeen Asset Management group of companies. Registered in England and Wales No Registered Office: Bow Bells House, 1 Bread Street, London EC4M 9HH. The Clerical Medical Open-Ended Investment Company was incorporated in the United Kingdom on 11 February

13 Auditors The Auditors of the Clerical Medical Open Ended Investment Company are: PricewaterhouseCoopers LLP Level 4, Atria One 144 Morrison Street Edinburgh EH3 8EX. Clerical Medical Investment Fund Managers Limited is authorised to promote the Clerical Medical OEIC and is authorised by the Financial Conduct Authority. The address of the Financial Conduct Authority is: The Consumer Contact Centre The Financial Conduct Authority 25 The North Colonnade Canary Wharf London E14 5HS Please see the full prospectus (available free of charge) for more details about the Clerical Medical Open Ended Investment Company. Financial Services Compensation Scheme (FSCS) OEIC funds are not directly covered by the Financial Services Compensation Scheme (FSCS), however Clerical Medical Investment Fund Managers Limited (CMIFML) is covered as the Authorised Corporate Director (ACD). The FSCS will not cover financial loss in the course of normal OEIC investment business if CMIFML is still solvent, including losses due to counterparty failure. However an investor may be entitled to compensation from the FSCS if CMIFML cannot meet its obligations (for example, if CMIFML were to become insolvent or unable to meet the claims against it resulting in you suffering a financial loss). A customer s entitlement to a claim depends on the type of business and the circumstances of the claim. Customers would be potentially covered by the FSCS for 100% of their claim up to a maximum of 50,000. If a customer holds more than one investment with CMIFML, this limit applies to the total value of all claims the customer has against the firm. Further information about compensation scheme arrangements is available from the FSCS at 10th Floor, Beaufort House, 15 St. Botolph Street, London EC3A 7QU. Telephone: or Website: Please note: FTSE, FT-SE and Footsie are trade marks jointly owned by the London Stock Exchange Plc and The Financial Times Limited and are used by FTSE International Limited under licence. The FTSE 100 Index is calculated by FTSE International Limited. FTSE International Limited does not sponsor, endorse or promote this product and is not in any way connected to it and does not accept any liability in relation to its issue, operation and trading. All copyright in the index values and constituent list vests in FTSE International Limited. Clerical Medical Investment Fund Managers Limited has obtained full licence from FTSE International Limited to use such copyright in the creation of this product. 12

14 Equalisation We operate equalisation of the income on all our OEIC funds. This means that when you buy shares in the fund (either through a new investment or a switch of an existing investment from another fund), you will receive Group 2 shares. The first distribution or accumulation on Group 2 shares will include an amount that is treated as a return of your capital, known as equalisation. This equalisation element is not subject to income tax and will not have a tax credit. Except for certain investors in the Clerical Medical Income Fund who are eligible to receive gross interest distributions or accumulations, the amount distributed or accumulated on Group 2 shares will be the same as the amount for Group 1 shares. Eligible investors include non-resident investors and corporate investors. If you are an eligible investor in the Clerical Medical Income Fund and have made a valid declaration, you can receive income without income tax being deducted. Because no income tax credit is available on the equalisation element, the distribution or accumulation on Group 2 shares will be less than that on Group 1 shares. For individual and corporate investors, except for corporate investors in the Clerical Medical Income Fund, equalisation is deducted from the allowable cost of shares for capital gains tax and corporation tax purposes respectively. There may be a higher capital gain when shares are sold, transferred or switched. If you ve invested in accumulation shares, the equalisation element of the accumulation on Group 2 shares is both added (as part of the total amount accumulated) and deducted from the allowable cost of shares for capital gains purposes. For corporate investors in the Clerical Medical Income Fund, equalisation is deducted from the cost of shares for the taxation of loan relationships. Your investment will automatically be changed to Group 1 shares after you become entitled to your first distribution or accumulation. There is no difference in the share price between Group 1 and Group 2 shares. All of our OEIC funds have the ability to invest in financial derivative instruments for the purpose of efficient portfolio management of the funds. Derivatives (contracts which have a value linked to the price of another asset) may be used for transactions in respect of efficient portfolio management. This means they can be used, for example, to help reduce risk (including hedging to help manage the effect of fluctuations in currency exchange rates), to help reduce cost, or to help generate extra capital or income for a fund. Information on their use for a fund can be found in the fund s KIID. Further details can be found in the prospectus. All information and limits in this SIID are correct at the time of publication but may change in the future. Clerical Medical Investment Fund Managers Limited is entered on the Financial Services Register and its register number is

15 Specific fund information The Investment and Objectives Policy and specific risk factors for the funds covered by this SIID are specified in the relevant KIID for the fund you are considering investing in. Here you will also find details of the fund s Ongoing Charges. Please note the fund risks can also be found in the full prospectus. Clerical Medical Investment Fund Managers Limited. Registered Office Trinity Road, Halifax, West Yorkshire HX1 2RG. Registered in England, Registered No Authorised and regulated by the Financial Conduct Authority. Financial Services Register number /1015

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