This Key Features Document provides a clear, balanced summary of the information you need to help make a decision about the Collective Investment Bond (CIB). It describes the CIB and its benefits along with the potential risks involved with this investment. There's also a list of questions and answers to help fill in the finer details. You should read this document in conjunction with a personalised Key Features Illustration, Terms and Conditions and Funds List. You might also find the Platform and Investment Guide a useful read. If you want to print this document out, please check out the print-friendly version.