This message and any attachments is confidential and may also be legally privileged or otherwise protected from disclosure. They are sent for the attention of the named addressee(s) only. If you are not the intended recipient please notify the sender immediately and destroy this message. In this instance, you should not copy or distribute or disclose this message or attachments, use it for any purpose or disclose its contents to any other person. Opinions, conclusions and other information in this message that do not relate to the official business of the sender/transmitter’s firm/company must be construed as neither given nor endorsed by it. The sender/transmitter will not be liable for any unauthorised use of, or reliance on, this email or any attachment. The information contained in this communication, including attachments,  does not  constitute advice in terms of the Financial Advisory and Intermediary Services Act of 2002 (‘FAIS’) .