DISCLAIMER Information based on historical performance is often not a reliable indicator of future performance. You should not rely solely on this material to make investment decisions. All material contained in this presentation is written in general terms and should be seen as broad guidance only. No material should be accepted as authoritative advice and any person wishing to act upon the material should first seek considered professional advice that will take into account the specific facts and circumstances. No responsibility is accepted or assumed for any action taken by anyone in reliance on the information in this presentation.