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This disclaimer applies to email, text message, facsimile and oral communications (individually referred to as a “Communication”) by the kratzmann GROUP (“TKG”).

Confidentiality.

Any information, advice or opinions contained in this Communication are confidential and is provided solely for the information of the intended recipient. You may not distribute it to other persons. If you are not the intended recipient, you are not authorised to use the information, advice or opinions in this Communication in any way. This information may not be reproduced or circulated without the prior written consent of TKG.

Where you are not the intended recipient.

If you are not the intended recipient any review, disclosure, conversion to hard copy, dissemination, reproduction or other use of any part of this Communication is strictly prohibited, as is the taking or omitting of any action in reliance upon this Communication. If you receive this Communication in error or without authorisation, please notify TKG immediately by return Communication and permanently delete the entire Communication from any computer, disk drive or other storage medium.

Communications not on behalf of TKG.

The information, advice or opinions expressed in this Communication may be the author’s own and may not reflect the views or opinions of TKG.

Currency and accuracy of information.

Any information, advice or opinions contained in this Communication are current as at the time it is sent. Past performance is not a reliable indication of future performance.

Third party data.

Certain parts of this Communication may be obtained or is based upon information, advice and/or opinions obtained from third parties which may not have been checked or verified by TKG.

Independent advice.

Before acting on any information, advice or opinions contained in this Communication, you should consider the appropriateness of such information, advice or opinions having regard to your situation. Any information, advice or opinions provided may not take account of your objectives, financial situation or needs. We recommend you obtain financial, legal and taxation advice before making any financial investment decision.

Potential investors.

If you are a potential investor in a product discussed in this Communication, you should obtain a Disclosure Document available from TKG and consider it in full before making any decision about this financial product. To acquire the product, you must complete the application form attached to the Disclosure Document and enter into a Client Agreement with TKG.

TKG’s interests.

TKG or its associates, officers or employees may have interests in the financial products referred to in this Communication by acting in various roles including as a holder of principal positions, broker or adviser. TKG or its associates may receive fees, brokerage or commissions for acting in those capacities. In addition, TKG or its associates, officers or employees may buy or sell the financial products and as such may effect transactions which are not consistent with any recommendations in the information.

Factual information.

To the extent this Communication contains purely factual information, such information is not an expression of opinion or recommendation. Such information does not constitute financial product advice and should not be relied on as such. None of the factual information takes into account your personal objectives, financial situation or needs and you must determine whether the information is appropriate in terms of your particular circumstances

Pricing information.

If this Communication contains pricing information, such information is of a purely factual nature and is not an expression of opinion or recommendation. It does not constitute financial product advice and should not be relied on as such.

Trade re-caps.

If this Communication includes trade re-cap information, then such information is provided as a service to you to assist with your trading and account administration. Unless otherwise specified, this Communication is not a Confirmation. A Confirmation may be separately sent to you. To the extent that this information conflicts with the terms of the Transaction contained in the Confirmation, you must rely on that Confirmation.

Valuation information.

If this Communication includes indicative revaluation information (“Value”), such information is provided solely for your information. Each Value that is given is an indication of a ‘close-out value’ for the Transaction as at the close of the business day to which the Value relates. The Value will alter with changing market conditions and a variety of other relevant market factors. Provision of a Value by TKG does not constitute an offer or bid to unwind the Transaction. If TKG quotes a firm price to unwind a transaction, it may differ from the most recent Value provided to you and can be less favourable to you.

Forecasts.

If this Communication contains any information by way of forecasts, you should consult TKG for the full details of the assumptions upon which the forecast return and tax treatment are based. You should be aware that these are forecasts and may be affected by the accuracy of assumptions, risks and other uncertainties which may cause the actual returns to differ.

Research.

If this Communication contains research information (“Research”), such information may have been prepared by TKG or a third party. To the extent Research is prepared by third parties, it may be subject to additional disclaimers and conditions either as specified in the Communication, on TKG’s website or as you may be advised by contacting TKG. Research may be based on assumptions or market conditions and may change without notice. Any quotes given are indicative only. Where any reference is made in the information to past performance, it must be remembered that past results are not necessarily indicative of future results. The value of products can and does fluctuate, and a product may even become valueless. No part of the Research is to be construed as a solicitation to buy or sell any product, or to engage in or refrain from engaging in any transaction.

Opinions.

Any opinions, ideas and strategies in this Communication are based on certain assumptions and current market conditions. If those underlying assumptions or market conditions change, the opinions, ideas and strategies will change. All quotations are indicative only. If you have entered into a Client Agreement with TKG, a firm quotation can be provided by contacting TKG directly by the relevant trading platform specified in your Client Agreement. The strategies outlined are not intended to be specific and/or personal advice.

Liability.

To the extent permitted by law TKG, its related entities and third party suppliers accept no responsibility regardless of the cause of action, including without limitation for negligence, breach of contract, under an indemnity or statute, or in relation to any errors or misstatements, for any direct, indirect, consequential or any other loss or damage arising from or relating to (i) any error or omission in relation to the information, opinion or advice provided, or (ii) interception by any person of a Communication, or (iii) failure or delay in the transmission or receipt of a Communication, or (iv) any use of any information, advice or opinions contained in this Communication and/or further communication in relation to this Communication, whether such information, advice or opinions are those of TKG or its related entities or third party supplier(s). Any information, advice or opinions have been obtained from sources believed to be reliable but TKG, its related entities and/or third party suppliers make no representation or warranty that it is accurate, complete or up to date. The information may be based on assumptions or market conditions and may change without notice. No part of the information is to be construed as solicitation to make a financial investment.

Electronic Communications.

TKG, its related entities and third party suppliers do not warrant or guarantee that information contained in any email, text message or attached file is free of viruses, worms, trojan horses or anything else having contaminating or destructive properties and has not been intercepted and interfered with during transmission. It is your sole responsibility to protect yourself against such risk and, by opening any email, text message or attached file, you agree to assume all risks associated with electronic data transmission.

Unsubscribe facility.

If this Communication is for the purpose is the marketing or promoting of products or services supplied by TKG or if it contains a hyperlink to TKG’s website, you may contact TKG to unsubscribe from receiving further similar Communications by using the same means by which you received this Communication.