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GENERAL ADVICE: This publication is general information only, which means it does not take into account your investment objectives, financial situation or needs. You should therefore consider whether a particular recommendation is appropriate for your needs before acting on it, and we recommend seeking advice from a financial adviser or stockbroker before making a decision.

PERFORMANCE: Past performance is not a reliable indicator of future performance. The value of any investment and the income derived from it can go down as well as up. Never invest more than you can afford to lose and keep in mind the ultimate risk is that you can lose whatever you've invested. The member pages may contain material provided directly by third parties and is given in good faith and has been derived from sources believed to be reliable but has not been independently verified.

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