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This message is for the named person's use only. It may contain confidential, proprietary or legally privileged information. No confidentiality or privilege is waived or lost by any mis-transmission.  If you receive this message in error, please immediately notify the sender and delete it and all copies of it. You must not use, disclose, or copy any part of this message if you are not the intended recipient. New Zealand Funds Management Limited (NZ Funds) may monitor all e-mail communications through its networks. There is no warranty that this message is free of any error, virus or other defect. NZ Funds accepts no liability for any loss, cost or damage resulting from the receipt of this message. The information contained in this email (including attachments) is for information only and should not be considered as Financial Advice. Any views expressed in this message are those of the individual sender, except where the message states otherwise and the sender is authorised to state them to be the views of NZ Funds.