The views and opinions (Information) which will be expressed and delivered at the event are for information purposes only and do not necessarily reflect the official policy or position of The Standard Bank of South Africa Limited and/or any of its subsidiaries and holding companies and their subsidiaries and holding companies (Standard Bank Group).  The Information to be provided does not constitute advice and is not to be relied upon as independent professional advice of any kind.  The Standard Bank Group makes no warranties or representations (implied or otherwise) as to the accuracy, completeness or fit for purpose of the Information to be provided or that it is free from errors or omissions.  The Standard Bank Group and its employees, agents and representatives accept no liability for any loss, damage or claim arising from the use of any Information presented or shared as part of the event.  The Information provided may not be forwarded, distributed or disclosed to any third party without the prior written consent of the Standard Bank Group.