Building Credit Management (Pty) Ltd is an authorised Financial Services Provider (FSP No. 2568), licensed with the Financial Services Board. The information contained in this communication, including attachments, is not to be construed as advice in terms of the Financial Advisory and Intermediary Services Act 37 of 2002 unless specifically referred to as Advice. This e-mail and any accompanying attachments may contain confidential and proprietary information related to the official business of Building Credit Management (Pty) Ltd and /or Ciras (Pty) Ltd. This information is private and protected by law and, accordingly, if you are not the intended recipient, you are requested to delete this entire communication immediately and are hereby notified that any disclosure, copying or distribution of or taking any action based on this information is prohibited. Views and opinions are those of the sender unless clearly stated as being that of Building Credit Management (Pty) Ltd and / or Ciras (Pty) Ltd. Building Credit Management (Pty) Ltd and / or Ciras (Pty) Ltd cannot assure that the integrity of this communication has been maintained nor that it is free of errors, virus, interception or interference.