This material has been prepared by Kind Resources Pte. Ltd., or an affiliate ('KR'). No individual who is a member, director, shareholder, employee or consultant of, in or to any constituent part of KR (whether or not such individual is described as 'director') accepts or assume responsibility, or has any liability, to any person in respect to this publication.

This document is not prepared for the needs of any specific recipient. It is published solely for information and is not a solicitation or offer to buy or sell any services, products or solutions. It is not intended to contain definitive advice which should be sought as appropriate in relation to a particular matter. KR makes no representation or warranty, either expressed or implied, on the completeness or reliability of the information contained in this document ('information') except that concerning KR and its affiliates. The Information should not be regarded as substitute for using their own judgment. Any opinions expressed in this material may change without notice and may be contrary to opinions expressed by other business areas of KR as a result of using different assumptions or criteria. KR is under no obligation to update the information. KR, its member, director, shareholder, employee, consultant or clients may have or have had an interest in the products and services and may at any time transact with them. KR may have or had had relationship with entities referred to in the Information. Neither KP nor any of its affiliates, or any of their member, director, shareholder, employee or consultant accepts any liability for any loss arising from the use of the Information.

This document is written as a general guide only.