Our emails and any attachments may contain confidential information. If you are not the intended recipient, please notify the sender by replying to this email, and destroy all copies of this email. We do not represent that this email is free of errors, viruses or interference. We believe that the information contained in this document is correct and that any opinions or recommendations are reasonably held or made as at the time of compilation. However to the maximum extent permitted by law, no warranty is made as to the accuracy or reliability of any estimates, opinions, recommendations or other information contained in this document. Information provided in this email is not intended to be personal financial advice and is for general information only. Readers should only act on information after having received professional advice appropriate to their personal circumstances.