Disclaimer

The reports do not constitute an offer to sell or a solicitation to buy, sell or hold securities. The information herein has been obtained from sources believed to be reliable, but its accuracy and completeness cannot be guaranteed. No liability or responsibility is accepted for any errors or for any negligence, default or lack of care or for any loss or damage whatsoever that may arise from actions based on material contained in this report. This document is not to be relied on as such or used in substitution for the exercise of independent judgment.

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