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I've noticed a difference in manual for Ultima 4. In the free version of Ultima IV, the manual is a 10MB download "the History of Britannia". While in the Ultima 4 + 5+ 6 bundle, the manuals are nothing more than what seems to be the reference cards. Just not sure what is up with this.
This question / problem has been solved by triockimage
The manual in the free version of Ultima is the same as the lorebook in Ultima 4 + 5+ 6 bundle - "Ultima 4 The History of Britannia.pdf"
Ah, that explains it, thanks.