The information contained in this web site is a general description of the Herndon Funds and its activities only. Before acting on any information, you should consider the appropriateness of it in regard to your objectives, financial situation and needs. No information set out above constitutes advice, an advertisement, an invitation, a confirmation, an offer or a solicitation, to buy or sell any security or other financial, credit or lending product or to engage in any investment activity, or an offer of any banking or financial services. Some products and/or services mentioned on this website may not be suitable for you and may not be available in all jurisdictions. Seek independent financial advice when necessary. All securities and financial products involve risks. Past performance of any financial product described on this site is not necessarily a reliable indication of future performance.