This e-mail legal notice is enforceable and binding on the recipient / addressee in terms of sections 11(1) to 11(3) of the Electronic Communications and Transactions (“ECT”) Act 25 of 2002. This e-mail transmission contains confidential information, which is the property of Registered Financial Advice Proprietary Limited and its subsidiaries (“RFAdvice”). No person, other than the recipient (so indicated by the sender) may use or disclose the contents of this message, links or attachments hereto, to any person whatsoever. Unauthorised disclosure and/or use may result in civil and criminal liability. Under no circumstances shall RFAdvice or the sender of this e-mail be liable to any party for any direct, indirect, special or consequential damages, including, without limitation, any loss of profits, business interruption, loss of programs or other data on information handling systems or otherwise, even if RFAdvice or the sender of this e-mail have been expressly advised of the possibility of such damages.

The information in this e-mail or attachments thereto is intended for the attention and use of the addressee only. If you are not the intended addressee/recipient, you are hereby notified that any disclosure, copying or distribution of the contents of this e-mail transmission or the taking of any action in reliance thereon or pursuant thereto, is strictly prohibited.

Should you have received this e-mail in error, please delete or destroy it and any attachments thereto immediately. At no time may you act on the information contained therein. The e-mail address of the sender and of those whose names are set out in the mail may not be used, copied, sold, disclosed or incorporated into any database or mailing list for spamming and/or other marketing practices without the prior consent of RFAdvice.

Any agreements concluded with RFAdvice by using electronic correspondence shall only come into effect once RFAdvice indicated such contract formation in a follow up or return communication. No e-mail correspondence sent to RFAdvice shall be deemed to have been received until RFAdvice has responded thereto. An auto-reply shall not constitute such “response” for purposes of this clause. No warranties are made or implied that any employee and/contractor of RFAdvice is authorised to create and send this communication. RFAdvice reserves the right to intercept, filter, view, block, delete, access, copy, read and act upon this e-mail message and all e-mail messages sent as reply messages to the e-mail address of the sender. RFAdvice retains the copyright to all e-mail messages and attachments sent from its communications systems. The recipient / addressee is hereby licensed to open and read the message and / or attachments only-all other rights are reserved unless so indicated by the sender.

The views and opinions expressed in this e-mail message do not necessarily reflect the views and/or opinions of RFAdvice. If this e-mail message is used for purposes unrelated to the official business of RFAdvice, RFAdvice shall not be liable for any damage or loss caused by the contents of this message and the sender shall take full responsibility thereto in his / her personal capacity.