=IFERROR(IF(E5 = "ארה""ב",
SUBSTITUTE(INDEX(importHTML(CONCATENATE("http://etfs.morningstar.com/quote-banner?&t=", B5), "table", 1),1,13), "Expenses", ""),
importxml(CONCATENATE("https://trade.bankleumi.co.il/Trade/net/info/funds/funddetails.aspx?fid=",B5), "//*[@id='ManagementFee'] + //*[@id='TrustFee']") / 100 ))