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Heritage Capital Proprietary Limited (“Heritage Capital”) is an authorised financial services provider in terms of the Financial Advisory and Intermediary Services Act 37 of 2002 (FAIS Act) with FSP number 45848. The information contained herein is not intended to be and should not be construed as advice as defined and contemplated in the FAIS Act. Any research, opinions or other content are not intended to and do not constitute financial, accounting, tax, legal, investment or other professional advice. Heritage Capital is not in any way acting as a financial advisor for the purposes of the information herein contained and does not intend to hold itself out as such. You are encouraged to obtain independent financial investment or other advice before making any investment decision. The information contained in this document has not been independently verified and all opinions, views and estimates are given as of the date hereof and may change without notice. Accordingly, no representation or warranty express or implied, is being made or given as to the accuracy or completeness of the information or opinions and no responsibility is accepted for any such information or opinions. The information contained in this document is subject to completion, revision, verification and amendment. Kindly note that the merits of any investment should be carefully considered together with your specific risk profile and investment objectives. The value of investments may appreciate or depreciate and past performance is generally not a guide to future performance. Heritage Capital expressly disclaims any liability for any damage or loss as a result of errors and/or omissions. This document is for information purposes only and may be amended without notice.