The MyNorth Sustainable portfolios are multi-manager, multi-asset portfolios that employ a responsible and sustainable framework for investing that aims to encourage positive social and environmental outcomes in addition to achieving its financial objectives. The framework is applied to each portfolio. As part of the portfolio construction process, we aim to select underlying funds by considering their alignment with the portfolios' sustainability objectives described below:

Transitioning to a Low Carbon Environment: We invest in funds that provide access to a portfolioof companies that, in aggregate, aim to contribute to a low carbon future. Thisis achieved through two primary approaches:

– pursuing investment strategies that are designed toprovide a reduction in carbon footprint compared to the relevant benchmark, and

– seeking exposure to companies that offer solutionssupporting the transition to a low carbon economy.   

Examples of these include investment in alternativeenergy, energy management and efficiency, smart grids, and clean and efficienttransport. We seek to achieve lower portfolio carbon emissionsthan the benchmark for each portfolio. We measure this by comparing eachaggregate portfolio’s carbon footprint performance (scope 1 and 2) relative tothe composite benchmarks using a third-party provider. This is done on asix-monthly basis using the underlying funds' holdings with a lag of threemonths. The composite benchmark is the weighted average of the underlying assetclasses’ representative indices.

Avoid Harm: We select underlying funds where the underlying investment manager or issuer is committed to seek to restrict exposure to investments in the activities outlined in the PDS.

Encourage Positive Sustainable Social and Environmental Outcomes for the Community: The fund managers of the underlying funds in each portfolio may communicate views about environmental, social and governance (ESG) issues with companies as part of their voting and investment processes in support of positive actions a company is taking, and to signal where they believe a company needs to improve

The MyNorth Sustainable portfolios are multi-manager, multi-asset portfolios that employ a responsible and sustainable framework for investing that aims to encourage positive social and environmental outcomes in addition to achieving its financial objectives. The framework is applied to each portfolio. As part of the portfolio construction process, we aim to select underlying funds by considering their alignment with the following portfolios' sustainability objectives:

• Transitioning to a low carbon environment

• Avoid Harm to certain activities

• Encourage positive sustainable social and environmental outcomes for the community