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This material is produced to give you useful information about REF and it is neither an offer to buy nor a solicitation to sell, nor shall it form the basis of or be relied upon in connection with any contract or commitment whatsoever or any personal investment advice. If you choose to invest in funds and you are unsure if a particular investment if right for you, please ask for advice and remember that investments can go down as well as up in value, so you could get back less than you put in.

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