This presentation contains general information and may constitute general advice. Its preparation has not taken into account any person’s particular investment objectives, financial situation or individual needs. It should not be relied upon as a substitute for financial or other specialist advice.

Before making any investment or insurance decisions on the basis of this presentation, you should consider, with or without advice, the appropriateness of the contents of this presentation in light of your particular investment objectives, financial situation or individual needs.

Opinions expressed constitute our judgement at the time of issue and are subject to change.