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Toro Financial Planners (FSB license number 26012) and its subsidiaries that render financial services are duly authorised in terms of the Financial Advisory and Intermediary Services Act 37 of 2002 (FAIS Act). In formulating the information in this message, Toro Financial Planners has taken due care to ensure that the information contained herein is relevant and accurate. This information is private and protected by law and any disclosure, copying or distribution of this information is prohibited. The information is subject to change without notice. Any legal, technical or product information contained herein is not to be construed as advice by the Toro Financial Planners, and no representation, warranty or undertaking (expressed or implied) is given and no responsibility or liability is accepted by Toro Financial Planners.