<html><head><title>Include POD via XSLT</title></head>
<body>
<h1>Start pod.xml</h1>
<?xml version="1.0" encoding="iso-8859-1"?>
<html xmlns="http://www.w3.org/TR/xhtml1/strict">
<head>
<title>POD</title>
</head>
<body>
<h1>HEAD1</h1>
some text under HEAD1
<h2>
<img src="sq.gif" width="16" height="16" alt="-"/>HEAD2</h2>
<p/>
some text under HEAD2
HEAD3
some text under HEAD3
format bold <code>code</code> italic underline
<ul>
<li>
<b>first item</b>
</li>
<br/>
text 1
<li>
<b>second item</b>
</li>
<br/>
text 2
</ul>
<ul>
first item
text 1
second item
text 2
</ul>
</body>
</html>
<h1>Start kfdres.xml</h1>
<?xml version="1.0" encoding="UTF-8"?>
<table border="0" cellpadding="0" cellspacing="0" width="100%"><tr><td class="bar01"><img src="[ImageDir]/1pixel.gif/$FILE/1pixel.gif" width="9" height="1"/></td></tr><tr><td class="bar01" height="26"><img src="[ImageDir]/1pixel.gif/$FILE/1pixel.gif" width="8" height="1"/><font class="lighttextbold">Henderson North American</font></td></tr><tr><td class="bar01"><img src="[ImageDir]/1pixel.gif/$FILE/1pixel.gif" width="9" height="1"/></td></tr><tr height="10"/><tr height="25"><td class="blank"><font class="textblueboldsmaller">Manager / Authorised Corporate Director:
</font><br/><font class="text">Henderson Investment Funds Limited<br/>4 Broadgate<br/>London<br/>EC2M 2DA<br/>UK<br/></font><br/></td></tr><tr height="25"><td class="blank"><font class="textblueboldsmaller">Name of Trustee/Depositary:</font><br/><font class="text">Chase Manhattan Trustees Limited<br/><br/></font></td></tr><tr height="25"><td class="blank"><font class="textblueboldsmaller">Fund Investment Objective:</font><br/><font class="text">To provide capital growth by investing in North American companies. The Fund will primarily invest in larger companies.<br/><br/></font></td></tr><tr height="25"><td class="blank"><font class="textblueboldsmaller">Initial Charge:</font> <font class="text">1%</font></td></tr><tr height="25"><td class="blank"><font class="textblueboldsmaller">Annual Charge:</font> <font class="text">1.5%</font></td></tr><tr height="25"><td class="blank"><font class="textblueboldsmaller">Other Charges:</font> <font class="text">0.11%</font></td></tr></table><br/><table border="0" cellpadding="0" cellspacing="0" width="100%"><tr><td class="tablebar"><img src="[ImageDir]/1pixel.gif/$FILE/1pixel.gif" width="9" height="1"/><font class="lighttextbold">Units or shares purchased within an ISA :</font><table width="100%" cellpadding="2" cellspacing="1" border="0"><tr><td class="tablebar" colspan="9"><img src="[ImageDir]/1pixel.gif/$FILE/1pixel.gif" width="1" height="7"/></td></tr><tr align="center"><td class="blank"><font class="textbold">At end of year</font></td><td class="blank"><font class="textbold">Investment to date</font></td><td class="blank"><font class="textbold">Income to date</font></td><td class="blank"><font class="textbold">Effect of deductions to date</font></td><td class="blank"><font class="textbold">What you might get back at 7%</font></td></tr><tr align="center"><td class="blank"><font class="text">1</font></td><td class="blank" align="right"><font class="text">£1,000.00</font></td><td class="blank" align="right"><font class="text">£0</font></td><td class="blank" align="right"><font class="text">£27.6295</font></td><td class="blank" align="right"><font class="text">£1042.3705</font></td></tr><tr align="center"><td class="blank"><font class="text">3</font></td><td class="blank" align="right"><font class="text">£1,000.00</font></td><td class="blank" align="right"><font class="text">£0</font></td><td class="blank" align="right"><font class="text">£69.4737</font></td><td class="blank" align="right"><font class="text">£1155.5693</font></td></tr><tr align="center"><td class="blank"><font class="text">5</font></td><td class="blank" align="right"><font class="text">£1,000.00</font></td><td class="blank" align="right"><font class="text">£0</font></td><td class="blank" align="right"><font class="text">£121.4905</font></td><td class="blank" align="right"><font class="text">£1281.0612</font></td></tr><tr align="center"><td class="blank"><font class="text">10</font></td><td class="blank" align="right"><font class="text">£1,000.00</font></td><td class="blank" align="right"><font class="text">£0</font></td><td class="blank" align="right"><font class="text">£309.4566</font></td><td class="blank" align="right"><font class="text">£1657.6948</font></td></tr></table></td></tr><tr><td class="blank"><font class="text"><br/>The last line in the table shows that over ten years the effect of the total charges and expenses could amount to £309.4566. Putting it another way, this would have the same effect as bringing the illustrated investment growth from 7% a year down to 5.18%.</font></td></tr></table><br/><h1>END</h1>
</body>
</html>