These terms and conditions apply to the e-mail communication, attachments and all subsequent communications and attachments Absa Group Limited (registration number: 1986/003934/06) or any of its subsidiaries ("we"/"us") may send you (collectively referred to as "the communication").

The information contained in this communication is confidential and may be legally privileged. It is intended solely for the use of the individual or entity to whom we have addressed the communication to and others authorised by us to receive it. If you are not the intended recipient you are hereby notified that any disclosure, copying, distribution or taking action in reliance of the contents of this information is strictly prohibited and may be unlawful.

If you are not the intended recipient of this e-mail (or such person's authorised representative), then:

(a) please notify the sender of this e-mail immediately by return e-mail, facsimile or telephone and delete this message from your system;

(b) you may not print, store, forward or copy this message or any part thereof or disclose or cause information in this message to be disclosed to any other person.

We are not liable for the improper or incomplete transmission of the information contained in this communication, or for any delay in its receipt.

We are not liable for any harm or loss resulting from malicious software code or viruses in this e-mail or its attachments, including data corruption resulting there from.

Any advice or information contained in this e-mail is subject also to any governing agreement between us.

Only duly authorised staff acting within the scope of their authority are able to bind us contractually. Unless expressly indicated as such, nothing in this e-mail constitutes an offer, warranty or representation from us.

E-mails sent to us will only be regarded as having been received by us once we expressly acknowledged receipt thereof. We will be deemed to have sent an e-mail once reflected as sent on our e-mail server.

If this communication contains offensive, derogatory or defamatory statements or materials, it means the message has been sent outside the sender's scope of employment with us and only the sender can be held liable in his/her personal capacity.