The information provided is of a general nature and does not take into account investor’s objectives, financial situations or needs. The information and opinions contained in this document are recorded and expressed in good faith and in reliance on sources believed to be credible. No representation, warranty, undertaking or guarantee of whatever nature is given on the accuracy and/or completeness of such information or the correctness of such opinions. Views are subject to change on the basis of additional or new research, new facts or developments. Advantage and {Partner Name} will have no liability of whatever nature and however arising in respect of any claim, damages, loss or expenses suffered directly or indirectly by an investor acting on the information contained in this document. The information does not constitute financial product advice and it should not be used, relied upon or treated as a substitute for specific, professional advice. It is, therefore, recommended that investors obtain the appropriate legal, tax, investment and/or other professional advice and formulate an investment strategy that would suit the investor’s risk profile prior to acting on such information and to consider whether any recommendation is appropriate considering the investor’s own objectives and particular needs. No guarantee of investment performance or capital protection should be inferred from any of the information contained in this document. Company/scheme: Ci Collective Investments (RF) (Pty) Limited PO Box 412249, Craighall, 2024 Tel: 0861 000 881 www.cicollective.co.za Trustee: FirstRand Bank Limited Tel: (011) 371 2111

Advantage Solutions (Pty) Ltd, FSP No 18490, and Advantage (Pty) Ltd, FSP No 47564, are authorised Financial Services Providers, collectively referred to as Advantage.

advantageteam.co.za T: (011) 463 9600 / (021) 936 9500