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This communication is issued by SC Group. The information provided in this communication includes information which may have been obtained from third party sources and which have not been independently verified by SC Group. It is intended for general information purposes only. While all reasonable care has been taken in preparing this communication, no responsibility or liability is accepted for any errors of fact or omission or for any opinion expressed herein. You are advised to exercise your own independent judgment (with the advice of your professional advisers as necessary) with respect to the risks and consequences of any matter contained herein. SC Group expressly disclaims any liability and responsibility for any losses arising from any uses to which this communication is put and for any errors or omissions in this communication. "SC Group" means Standard Chartered Bank and each of its holding companies, subsidiaries, related corporations, affiliates, representative and branch offices in any jurisdiction.