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Any projections contained in this communication are estimates only and may not be realised in the future. The value of any investment made and the income from such can go down as well as up, and the investor may not get back the full amount invested. Past performance is not a guarantee of future returns. Changes in the rate of exchange may also cause the value of overseas investments to go up or down. Strategies that invest in asset classes carrying greater risk, such as emerging markets, high yield securities and securities of small capitalisation companies may have a higher risk of loss of capital.

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