This document is provided for the purpose of information only. The opinions
expressed here represent the views of SJ Capital Group at the time of preparation and should not be
interpreted as investment advice. The information and opinions referring to timelines or other
contained in the document are recorded and expressed in good faith and reliance on sources believed
to be reliable. However, no representation, warranty, undertaking or guarantee of whatever nature is
made or given concerning the accuracy and/ or completeness of such opinions. Any investment is
speculative and involves significant risks and in making any investment decisions, you will rely
solely on your own review and examination of the facts and the records relating to such investment.
The contents of this document are based on current legislation which may be subject to change. SJ
Capital Group shall have no liability of whatever nature in respect of any claim, damages, loss, or
expense arising out of or in connection with the reliance by you, on the contents of this document.