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Disclaimer Any and all references to general or specific financial services or financial products on this site, in any Webcast, press release, or in any other form or medium, are included for informational purposes only. Information contained on this site or in any other form or medium does not, nor is it intended to, nor must it be construed to constitute an offer or a solicitation of an offer or as any guidance, recommendation or proposal for the rendering or purchase of any financial services or financial products. Furthermore, the information does not directly or indirectly constitute financial or any other advice nor does it constitute any warranties or representations of any nature whatsoever. Dependent on the financial services or financial products mentioned, the information may be issued by Sanlam Life Insurance Limited or by any company within the Sanlam Group of companies. Information may also be released by intermediaries contracted to the Sanlam Group of Companies. No direct or indirect reliance may therefore be placed on the information. The Sanlam Group of Companies accepts no liability whatsoever for any loss or damages suffered by any person acting as a result of, arising out of, in connection with or related to any reliance upon the information. Persons reading this information are advised to seek appropriate professional assistance and advice before acting.