The Presentations and the Information are only for your general information and use and are not intended to

address your particular requirements.

The Information:

(a) does not constitute any form of advice, representation or recommendation by NCB regarding the value,

desirability or merits of any investment in any securities of any company, or as to the advisability of investing in,

purchasing or selling securities of any company, including the companies referenced in the Information; and

(b) is not intended to be relied upon by users in making (or refraining to make) any specific investment or

other decisions.