General Advice Disclaimer
In preparing this material, no account was taken of the objectives, financial situation and needs of any particular person. Before making a decision on the basis of this material, you need to consider with or without the assistance of a financial adviser, whether the material is appropriate in light of your individual circumstances. It should not be used as a substitute for personal advice. Whilst every effort has been made to ensure the accuracy of this information, we cannot guarantee this or be held responsible for any loss by any party in relying on the information.