Bond Income Multi Multi Risk expectation Bond Allan Gray Bond Fund Bond Fund GOVI Tracker Fund Multi Manager Bond Fund Momentum Bond Fund Nedgroup Investments Bond Fund Stanlib Bond Fund market Fund Multi asset low/medium equity Absa Absolute Fund Targeted Return Fund Atlantic BCI Real Income Fund Cohesive Capital Flexible Prescient Fund Coronation Balanced Defensive Fund Coronation Capital Plus Fund Nedgroup Investments Opportunity Fund Nedgroup Investments Stable Fund Old Mutual Albaraka Balanced Fund Prescient Positive Return Quantplus Fund Prudential Inflation Plus Fund Allan Gray Fund Enhanced Value SA Tracker Fund Low BETA SA Composite Tracker Fund Momentum SA Tracker Fund Multi Manager Fund Fund Coronation Top 20 Fund Foord Fund Kagiso Islamic Fund Old Mutual Albaraka Fund Prudential Dividend Maximiser Fund Sanlam Investment Management Value Fund Truffle MET General Fund Multi asset high equity Multi Manager Fund Tracker Fund Coronation Fund Prudential Enhanced SA Tracker Fund Stanlib Income Fund Allan Gray Balanced Fund Allan Gray Tax-Free Balanced Fund Balanced Fund Income Multi Manager Prudential Flexible Fund Coronation Balanced Plus Fund Multi Manager Income Fund Foord Balanced Fund SA Income Fund Investec Opportunity Fund Atlantic BCI Enhanced Income Fund Kagiso Islamic Balanced Fund Atlantic BCI Stable Income Fund Coronation Strategic Income Fund Momentum Enhanced Yield Fund Sanlam Investment Management Active Income Fund Global equity Africa Opportunities Feeder Fund Global 1200 SA Tracker Fund Coronation Global Opport. (Zar) Feeder Fund Investec Global Franchise Feeder Fund Investec Worldwide Feeder Fund Global multi asset Global interest Stanlib Global Bond Feeder Fund Global Flexible Fund Coronation Global Strategic USD Income (ZAR) Feeder Fund Investec Global Strategic Managed Feeder Fund Stanlib Global Balanced Cautious Feeder Fund Stanlib Global Balanced Feeder Fund Target return
ASHBURTON FUNDS Bond Income Multi Multi Africa Opportunities Feeder Fund** A 0.00% 0.00% Yes 0.00% 0.00% Accumulated No Regional - - General No Balanced Fund A1 0.00% 1.00% No 0.00% 0.00% Bi-annually Yes South Africa Multi Asset Yes Bond Fund A 0.00% 0.85% No 0.00% 0.00% Bi-annually Yes South Africa Interest Bearing Variable Term Yes Enhanced Value SA Tracker Fund A 0.00% 0.60% No 0.00% 0.00% Bi-annually No South Africa General Yes Global 1200 SA Tracker Fund A 0.00% 0.85% No 0.00% 0.00% Bi-annually No Global General Yes Global Flexible Fund A1 0.00% 1.50% No 0.00% 0.00% Bi-annually No Multi Asset Flexible Yes GOVI Tracker Fund A 0.00% 0.55% No 0.00% 0.00% Bi-annually Yes South Africa Interest Bearing Variable Term Yes Low BETA SA Composite Tracker Fund A 0.00% 0.60% No 0.00% 0.00% Bi-annually No South Africa General Yes Momentum SA Tracker Fund A 0.00% 0.55% No 0.00% 0.00% Bi-annually No South Africa General Yes Fund B1 0.00% 0.30% No 0.00% 0.00% Monthly Yes South Africa Interest Bearing Yes Low Multi Manager Bond Fund A1 0.00% 0.85% No 0.00% 0.00% Bi-annually Yes South Africa Interest Bearing Variable Term Yes Multi Manager Fund A1 0.00% 1.25% No 0.00% 0.00% Bi-annually No South Africa General Yes Multi Manager Income Fund A1 0.00% 0.95% No 0.00% 0.00% Quarterly Yes South Africa Multi Asset Income Yes Low Multi Manager Fund A1 0.00% 1.20% No 0.00% 0.00% Bi-annually No South Africa Real Estate General Yes Multi Manager Prudential Flexible Fund A1 0.00% 1.25% No 0.00% 0.00% Bi-annually Yes South Africa Multi Asset Yes Tracker Fund A 0.00% 0.55% No 0.00% 0.00% Bi-annually Yes South Africa Real Estate - General Yes - Fund A1 0.00% 1.00% Yes 0.00% 0.00% Bi-annually No South Africa General No Fund A2 0.00% 1.00% No 0.00% 0.00% Bi-annually No South Africa General Yes SA Income Fund B1 0.00% 0.65% No 0.00% 0.00% Quarterly Yes South Africa Interest Bearing Short Term Yes Low Targeted Return Fund A1 0.00% 1.10% No 0.00% 0.00% Quarterly Yes South Africa Multi Asset Low Yes Low * Annual Management Fee ** The Africa Opportunities Fund (the master fund) charges an annual fee of 2.00% may charge a performance fee.
Bond Income Multi Multi PERFORMANCE LINKED INVESTMENT ACCOUNTS Investment Term Notice period for disinvestment Minimum investment balance Minimum addition Minimum disinvestment Yield investments Cash Enhancer Perpetual investment 45 days R1 000 000 R100 000 R100 000 Cash Index Notice Plus Perpetual investment 45 days R250 000 R100 000 R100 000 Growth investments Structured Plus 90 Structured Plus 100 1-year fixed term investment with ability to roll into another year 1-year fixed term investment with ability to roll into another year One calendar month R250 000 R250 000 Full disinvestment only One calendar month R250 000 R250 000 Full disinvestment only Protected Flexible 80 Perpetual investment One calendar month R250 000 R100 000 R100 000 Protected 100 3-or 5-year fixed investment N/A R250 000 R250 000 Full disinvestment only Select Perpetual investment with monthly dealing dates One calendar month R250 000 R100 000 R100 000 Bespoke Perpetual investment Asset dependant R1 000 000 R100 000 R100 000 Please note that these accounts are only available as a st alone product.
MONEY MARKET FUNDS Bond Income Multi Multi Fund B1 0.00% 0.30% No 0.00% 0.00% Monthly Yes South Africa Interest Bearing Yes Low * Annual Management Fee
BOND FUNDS Bond Income Multi Multi Allan Gray Bond Fund** A 0.00% 0.54% Yes 0.00% 0.2-0.45% Quarterly Yes South Africa Interest Bearing Variable Term No Low Bond Fund A 0.00% 0.85% No 0.00% 0.00% Bi-annually Yes South Africa Interest Bearing Variable Term Yes GOVI Tracker Fund A 0.00% 0.55% No 0.00% 0.00% Bi-annually Yes South Africa Interest Bearing Variable Term Yes Multi Manager Bond Fund A1 0.00% 0.85% No 0.00% 0.00% Bi-annually Yes South Africa Interest Bearing Variable Term Yes Momentum Bond Fund A 0.00% 0.75% No 0.00% 0.2-0.45% Quarterly Yes South Africa Interest Bearing Variable Term Yes Nedgroup Investments Bond Fund A 0.00% 0.35% No 0.00% 0.2-0.45% Quarterly Yes South Africa Interest Bearing Variable Term Yes Low Stanlib Bond Fund A 0.00% 0.75% No 0.00% 0.2-0.45% Quarterly Yes South Africa Interest Bearing Variable Term Yes Low ** Annual Management Fee Allan Gray have a minimum a maximum fee that is calculated based on the net asset value of the Fund excluding the portion invested in Orbis funds. The fee rate is calculated daily by comparing the Fund s total performance for the day to that of the benchmark. Due to this fluctuation have agreed to show the TER (excl vat) as the AMF
INCOME FUNDS Bond Income Multi Multi Multi Manager Income Fund A1 0.00% 0.95% No 0.00% 0.00% Quarterly Yes South Africa Multi Asset Income Yes Low SA Income Fund B1 0.00% 0.65% No 0.00% 0.00% Quarterly Yes South Africa Interest Bearing Short Term Yes Low Atlantic BCI Enhanced Income Fund A 0.00% 1.00% No 0.00% 0.00% Quarterly Yes South Africa Multi Asset Income Yes Low Atlantic BCI Stable Income Fund A 0.00% 0.45% No 0.00% 0.00% Monthly Yes South Africa Interest Bearing Short Term Yes Low Coronation Strategic Income Fund P 0.00% 0.45% No 0.00% 0.2-0.45% Quarterly Yes South Africa Multi Asset Income Yes Low Momentum Enhanced Yield Fund A 0.00% 0.50% No 0.00% 0.2-0.45% Monthly No South Africa Interest Bearing Short Term Yes Low Sanlam Investment Management Active Income Fund B4 0.00% 0.60% No 0.00% 0.2-0.45% Quarterly Yes South Africa Multi Asset Income Yes Low * Annual Management Fee
MULTI ASSET FUNDS Bond Income Multi Asset Multi Asset Absa Absolute Fund C1 0.00% 0.85% No 0.00% 0.2-0.45% Bi-annually Yes South Africa Multi Asset Low Yes Low Atlantic BCI Real Income Fund A 0.00% 1.00% No 0.00% 0.00% Quarterly Yes South Africa Multi Asset Low Yes Low - Targeted Return Fund A1 0.00% 1.10% No 0.00% 0.00% Quarterly Yes South Africa Multi Asset Low Yes Low - Cohesive Capital Flexible Prescient Fund B1 0.00% 0.75% No 0.00% 0.2-0.45% Annually No South Africa Multi Asset Flexible No - Coronation Balanced Defensive Fund P 0.00% 1.00% No 0.00% 0.2-0.45% Quarterly Yes South Africa Multi Asset Low Yes Low - Coronation Capital Plus Fund P 0.00% 1.00% Yes 0.00% 0.2-0.45% Quarterly Yes South Africa Multi Asset No Low - Nedgroup Investments Opportunity Fund B2 0.00% 1.10% No 0.00% 0.2-0.45% Bi-annually Yes South Africa Multi Asset Yes Nedgroup Investments Stable Fund A2 0.00% 0.95% No 0.00% 0.2-0.45% Bi-annually Yes South Africa Multi Asset Low Yes Low - Old Mutual Albaraka Balanced Fund B1 0.00% 1.00% No 0.00% 0.2-0.45% Bi-annually Yes South Africa Multi Asset Yes Prescient Positive Return Quantplus Fund A2 0.00% 0.35% No 0.00% 0.2-0.45% Annually Yes South Africa Multi Asset Yes Low - Prudential Inflation Plus Fund B 0.00% 1.00% No 0.00% 0.2-0.45% Bi-annually Yes South Africa Multi Asset Low Yes Low - * Annual Management Fee
MULTI ASSET FUNDS Bond Income Multi Asset Multi Asset Allan Gray Balanced Fund** C 0.00% 1.24% Yes 0.00% 0.2-0.45% Bi-annually Yes South Africa Multi Asset No Allan Gray Tax-Free Balanced Fund C 0.00% 1.05% No 0.00% 0.2-0.45% Bi-annually Yes South African Multi Asset - Yes Balanced Fund A1 0.00% 1.00% No 0.00% 0.00% Bi-annually Yes South Africa Multi Asset Yes Multi Manager Prudential Flexible Fund A1 0.00% 1.25% No 0.00% 0.00% Bi-annually Yes South Africa Multi Asset Yes Coronation Balanced Plus Fund P 0.00% 0.85% No 0.00% 0.2-0.45% Bi-annually Yes South Africa Multi Asset Yes Foord Balanced Fund B2 0.00% 0.60% Yes 0.00% 0.2-0.45% Bi-annually Yes South Africa Multi Asset No Investec Opportunity Fund H 0.00% 0.35% Yes 0.00% 0.2-0.45% Bi-annually Yes South Africa Multi Asset No Kagiso Islamic Balanced Fund B 0.00% 1.00% No 0.00% 0.2-0.45% Bi-annually Yes South Africa Multi Asset Yes ** Annual Management Fee Allan Gray have a minimum a maximum fee that is calculated based on the net asset value of the Fund excluding the portion invested in Orbis funds. The fee rate is calculated daily by comparing the Fund s total performance for the day to that of the benchmark. Due to this fluctuation have agreed to show the TER (excl vat) as the AMF
EQUITY FUNDS Bond Income Multi Multi Allan Gray Fund** C 0.00% 1.95% Yes 0.00% 0.2-0.45% Bi-annually No South Africa General No Enhanced Value SA Tracker Fund A 0.00% 0.60% No 0.00% 0.00% Bi-annually No South Africa General Yes Low BETA SA Composite Tracker Fund A 0.00% 0.60% No 0.00% 0.00% Bi-annually No South Africa Esquity General Yes Momentum SA Tracker Fund A 0.00% 0.60% No 0.00% 0.00% Bi-annually No South Africa General Yes Multi Manager Fund A1 0.00% 1.25% No 0.00% 0.00% Bi-annually No South Africa General Yes Fund A1 0.00% 1.00% Yes 0.00% 0.00% Bi-annually No South Africa General No Fund A2 0.00% 1.00% No 0.00% 0.00% Bi-annually No South Africa General Yes Coronation Top 20 Fund P 0.00% 0.60% Yes 0.00% 0.2-0.45% Bi-annually No South Africa General No Foord Fund B2 0.00% 0.60% Yes 0.00% 0.2-0.45% Bi-annually No South Africa General No Kagiso Islamic Fund B 0.00% 1.00% No 0.00% 0.2-0.45% Bi-annually No South Africa General Yes Old Mutual Albaraka Fund B1 0.00% 1.10% No 0.00% 0.2-0.45% Bi-annually No South Africa General Yes - Prudential Dividend Maximiser Fund B 0.00% 0.85% Yes 0.00% 0.2-0.45% Bi-annually No South Africa General No Sanlam Investment Management Value Fund B6 0.00% 0.60% Yes 0.00% 0.2-0.45% Bi-annually No South Africa General No Truffle MET General Fund C 0.00% 0.75% No 0.00% 0.2-0.45% Bi-annually No South Africa General Yes ** Annual Management Fee Allan Gray have a minimum a maximum fee that is calculated based on the net asset value of the Fund excluding the portion invested in Orbis funds. The fee rate is calculated daily by comparing the Fund s total performance for the day to that of the benchmark. Due to this fluctuation have agreed to show the TER (excl vat) as the AMF
PROPERTY FUNDS Bond Income Multi Multi Multi Manager Fund A1 0.00% 1.20% No 0.00% 0.00% Bi-annually No South Africa Real Estate General Yes Tracker Fund A 0.00% 0.55% No 0.00% 0.00% Bi-annually Yes South Africa Real Estate - General Yes - Coronation Fund A 0.00% 1.25% No 0.40% 0.2-0.45% Quarterly No South Africa Real Estate General Yes Prudential Enhanced SA Tracker Fund D 0.00% 0.55% No 0.00% 0.2-0.45% Quarterly No South Africa Real Estate General Yes Stanlib Income Fund B1 0.00% 1.00% No 0.00% 0.2-0.45% Quarterly No South Africa Real Estate General Yes * Annual Management Fee
INTERNATIONAL FUNDS Bond Income Multi Multi Africa Opportunities Feeder Fund** A 0.00% 0.00% Yes 0.00% 0,00% Accumulated No Regional - - General No Global 1200 SA Tracker Fund A 0.00% 0.85% No 0.00% 0.00% Bi-annually No Global General Yes Global Flexible Fund A1 0.00% 1.50% No 0.00% 0.00% Bi-annually No Global Multi Asset Flexible Yes Coronation Global Opport. (Zar) Feeder Fund** P 0.00% 0.95% Yes 0.00% 0.2-0.45% Bi-annually No Global General No Coronation Global Strategic USD Income (ZAR) Feeder Fund P 0.00% 0.55% No 0.00% 0.2-0.45% Bi-Annually No Global Multi-asset Income Yes Investec Global Franchise Feeder Fund H 0.00% 1.10% No 0.00% 0.2-0.45% Bi-annually No Global General Yes Investec Global Strategic Managed Feeder Fund** H 0.00% 1.10% No 0.00% 0.2-0.45% Bi-annually No Global Multi-Asset No Investec Worldwide Feeder Fund** H 0.00% 1.10% No 0.00% 0.2-0.45% Bi-annually No Global Multi-Asset Yes Stanlib Global Balanced Cautious Feeder Fund B3 0.00% 0.50% No 0.00% 0.2-0.45% Bi-annually No Global Interest - Multi Asset - Low Yes Stanlib Global Balanced Feeder Fund B3 0.00% 0.50% No 0.00% 0.2-0.45% Bi-annually No Global Interest - Multi Asset - Yes Stanlib Global Bond Feeder Fund B3 0.00% 0.30% No 0.00% 0.2-0.45% Bi-annually No Global Interest Bearing - Variable Term Yes * Annual Management Fee ** The underlying fund that a feeder fund invests in (the master fund) levies additional charges which result in a higher TER for the feeder fund. These additional charges are included in the relevant TER not in the AFM of the feeder fund.
Bond Income Multi Multi PERSONAL SHARE PORTFOLIOS Portfolio Management FNB Securities Horizon Management fee Minimum investment amount Risk profile Income Solution / PM Cash Plus 0 2 years 0.15 R1m Conservative Yes STEFI Defensive Solution 3 7 years brackets R1m Cautious No CPI + 2% Defensive Solution incl hedge 3 7 years brackets R1m Cautious No CPI + 2% Growth Solution 8 years + brackets R1m Aggressive No JSE All Growth Solution incl hedge 8 years + brackets R1m Aggressive No JSE All Houseview Solution (70/30) Local only 3 7 years brackets R3m Moderate - Aggressive No CPI + 3.5% Houseview Solution (70/30) Global 3 7 years brackets R3m Moderate - Aggressive No CPI + 3.5% Houseview Solution (70/30) Global - Reg 28 3 7 years brackets R3m Moderate - Aggressive Yes CPI + 3.5% Segregated Portfolio 3 7 years brackets R3m Aggressive No JSE All Segregated Dividend Income Portfolio 3 7 years brackets R1m Aggressive No JSE Africa Dividend Plus Segregated Balanced Portfolio 3 7 years brackets R3m Moderate Yes Average SA MA Segregated Preference Portfolio 3 years + 0.35 R1m Conservative No JSE Preference share index Segregated Portfolio 3 years + brackets R1m Moderate No SA Listed Prop Index (J253) Compensator Portfolio 3 years + 0.35 R1m Cautious Yes n/a Bespoke Portfolio variable brackets R3m n/a n/a n/a Benchmark Fee bracket Without interaction With interaction Bespoke R 3 000 000 to R 5 000 000 0.85% 1.10% 1.25% R 5 000 001 to R 10 000 000 0.75% 1.00% 1.15% R 10 000 001 to R 15 000 000 0.65% 0.85% 1.00% R 15 000 001 to R 20 000 000 0.55% 0.70% 0.80% R 20 000 001 to R 30 000 000 0.40% 0.55% 0.65% R 30 000 001 to R 50 000 000 0.30% 0.40% 0.50% R 50 000 001 above Negotiable Fixed Income Solution / PM Cash Plus 0.15% Segregated Preference Portfolio 0.35% Compensator Portfolio 0.35%
Bond Income Multi Multi PERSONAL SHARE PORTFOLIOS Portfolio Management FNB Securities Horizon Management fee Minimum investment amount FNB Securities Balanced Portfolio 3-7 years brackets R3m Moderate - Aggressive Yes CPI + 3.5% FNB Securities Defensive Solution 3 7 years brackets R1m Cautious No CPI + 2% FNB Securities Defensive Solution incl hedge 3 7 years brackets R1m Cautious No CPI + 2% FNB Securities Growth Solution 8 years + brackets R1m Aggressive No JSE All FNB Securities Growth Solution incl hedge 8 years + brackets R1m Aggressive No JSE All FNB Securities Houseview Solution (70/30) Local only 3-7 years brackets R3m Moderate - Aggressive No CPI + 3.5% FNB Securities Houseview Solution (70/30) - incl Global 3-7 years brackets R3m Moderate - Aggressive No CPI + 3.5% FNB Securities Segregated Portfolio med to long brackets R3m Aggressive No JSE All FNB Securities Segregated Dividend Income Portfolio med to long brackets R1m Aggressive No JSE Africa Dividend Plus FNB Securities Segregated Preference Portfolio 3 years + 0.35 R1m Conservative No JSE Preference Index FNB Securities Segregated Portfolio 3 years + brackets R1m Moderate No SA Listed Index FNB Securities Bespoke Portfolio variable brackets R1m n/a n/a n/a Risk profile Benchmark Fee bracket Without interaction With interaction Bespoke R 3 000 000 to R 5 000 000 0.85% 1.10% 1.25% R 5 000 001 to R 10 000 000 0.75% 1.00% 1.15% R 10 000 001 to R 15 000 000 0.65% 0.85% 1.00% R 15 000 001 to R 20 000 000 0.55% 0.70% 0.80% R 20 000 001 to R 30 000 000 0.40% 0.55% 0.65% R 30 000 001 to R 50 000 000 0.30% 0.40% 0.50% R 50 000 001 above Negotiable Fixed FNB Securities Segregated Preference Portfolio 0.35%
Bond Income Multi Multi INVESTOR PLATFORM FEES Initial administration All products Initial % funds 0.00 3 rd party funds 0.00 Annual administration fee on 3rd party funds FNB Manco funds Aggregated assets on the platform on all products Living Annuity Endowment All other products (Excl VAT) First R1 000 000.00 0.45 0.40 Next R2 000 000.00 0.35 0.30 Above R3 000 000.00 0.22 0.20 Fund manager rebates In line with the recent international legislation all Funds FNB Manco Funds will offer clean share prices. On 3rd Party Funds, where rebates are still applicable, will pay the fund rebate, up to a maximuim of the administration fee, back to the investor. Annual administration (tiered scale) charge an annual administration fee on 3rd party funds on FNB Manco funds. There are no annual administration on any of the. To reduce the fee charged on 3 rd party funds we apply a sliding scale aggregate your total investment across all products funds that you hold with Investments. The set out below are then applied on your 3 rd party funds only. This means that any investments you make within Funds will help to reduce the fee on your 3 rd party funds. Transaction charges switching fee has elected to waive all transaction switching on the platform until further notice.
Bond Income Multi Multi NOTES AND DISCLAIMER Fees the terms conditions may change from time to time. The annual management fee (AMF) is the fee paid to the manager of the Collective Investment Scheme is expressed as a percentage of the value of the unit trust. has negotiated clean share prices. A clean share class means that the AMF is the lowest possible AML clients could pay that any fund manager rebates have been offset against the AMF. Where a performance fee is charged it is indicated as a yes on the fund list. The method of calculating performance can be complex differ from fund to fund. The annual rebate (where applicable) is a rebate from the underlying fund manager negotiated by which is paid back to the investor to reduce the platform administration fee. There will only be a rebate applicable where there are no clean share prices available. Where a fund is indicated as, it means that the prudential investment guidelines are met as set out in Regulation 28 of the Pension Funds Act. Funds that comply with the guidelines are considered to be suitable for retirement savings. The indicates how funds are classified according to where they invest (local or offshore) what they invest in. (i.e. asset allocation). Disclaimer The information contained on this website page is compiled by Investor Services (Proprietary) Limited ( ). is a licensed administrative financial services provider ( FSP ) in terms of the Financial Advisory Intermediary Services Act, 37 of 2002 ( FAIS Act ), with FSP number 44341, regulated by the Financial Services Board. The fund list is for information purposes only it must not be regarded as a prospectus to transact in any security or financial product. does not in any way, tacitly or by implication represent, recommend or propose that the securities /or financial or investment products or services ( the products ) referred to on this page are appropriate /or suitable for a particular investment objective or financial situation or needs. This information is not advice in respect of any other financial, investment, trading, tax, legal, accounting, retirement, actuarial or other professional advice or service whatsoever ( advice as defined in terms of the FAIS Act ). Any investment is speculative involves significant risks therefore, prior to investing, investors should fully underst financial products any risks associated with them. Investors are responsible for investment decisions must carefully consider if their fund selection is right for their needs before investing in any of the products. does not make any representations or give any warranties as to the correctness, accuracy or completeness of the information provided, nor does assume liability for loss arising from errors in the information irrespective of whether there has been any negligence by, its affiliates or any other employees of, whether such losses be direct or consequential. disclaims any liability for any direct, indirect or consequential damage or losses that may be sustained from using or relying on the information contained herein. Please note that some of the information may have been provided or sourced from third parties does not in any way guarantee its accuracy or correctness shall not be liable for loss or damage that may be caused. will however use its reasonable endeavours to ensure that the information obtained from any third party is accurate reliable. Any product or service available from shall always be subject to s internal approval process, contractual terms conditions applicable legislation. If there is any pricing indicated on the document, such is indicative is not binding on. its affiliates disclaims assumes no liability for any loss or damage (direct, indirect or consequential) that may be suffered from using or relying on the information contained herein.