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The views expressed in this e-mail (other than in the normal course of business) are, unless otherwise stated, those of the author and not those of FirstRand Limited and its subsidiaries, or their management. The information in this e-mail is confidential and is intended solely for the addressee. Access to this e-mail by anyone else is unauthorised. If you are not the intended recipient, any disclosure, copying, distribution or any action taken or omitted in reliance on this, is prohibited and may be unlawful. Whilst all reasonable steps are taken to ensure the accuracy and integrity of information and data transmitted electronically and to preserve the confidentiality thereof, no liability or responsibility whatsoever is accepted if information or data is, for whatever reason, corrupted or does not reach its intended destination. Licensed divisions of FirstRand Bank Limited are authorised financial service providers in terms of the Financial Advisory and Intermediary Services Act, 2002 (Act No. 37 of 2002) and registered credit providers (registration no. NCRCP 20) in terms of the National Credit Act, 2005 (Act No. 34 of 2005).