IMPORTANT NOTICE

By proceeding to use this site:

1. You understand and accept that we are not licensed to provide financial advisory by
the Monetary Authority of Singapore (MAS) for the purposes of the Financial
Advisers Act 2001 (as amended);

2. You understand and accept that the contents of this site are not, and are not
intended to be, financial advice;

3. You warrant to us that you will conduct your own investment research, if you are
competent to do so, before making any investment decision, or that if you are not,
you will consult your banker, stockbroker, or a qualified financial adviser before
doing so; and

4. You warrant to us that you have read, understood and agree to the Terms and
Conditions of Use for this site.