"The information contained in this email is confidential and may contain proprietary and/or personal information. It is meant solely for the intended recipient. Access to this email by anyone else is unauthorised. If you are not the intended recipient, any processing of the email or the information contained therein (including disclosure, copying, distribution, storage) or any action taken or omitted in reliance on this, is prohibited and may be unlawful. No liability or responsibility is accepted if information or data is, for whatever reason corrupted or does not reach its intended recipient. No warranty is given that this email is free of viruses. The views expressed in this email are, unless otherwise stated, those of the author and not those of FirstRand Bank Limited or its management. FirstRand Bank Limited reserves the right to monitor, intercept and block emails addressed to its users or take any other action in accordance with its email use policy. FirstRand Bank Limited specifically elects to not apply the provisions of the Electronic Communications and Transactions Act, No. 25 of 2002 (as amended) to the content and format of this email, unless expressly stated otherwise. Should the recipient wish to conduct further business dealings with the FirstRand Bank Limited based on the content of this email, a formal, written and physically signed agreement will have to be entered into, to attract any liability on behalf of the FirstRand Bank Limited. Licensed divisions of FirstRand Bank Limited are authorised financial service providers in terms of the Financial Advisory and Intermediary Services Act 37 of 2002 and is a registered credit provider in terms of the National Credit Act 34 of 2005."