DISCLAIMER - (This Disclaimer will be applied to any opinion offered as part of our MLRO Support Service).

We will offer advice using reasonable care and skill, based on the information supplied to us. You may use our advice as a factor to take into consideration when deciding what action to take (or when deciding to take noaction) in connection with a matter. However, you are likely to have information which we do not have, and you will reach your decision employing your own knowledge, skills and experience. The responsibility for your decision and consequent actions, or inaction, is yours (and not ours) and the legal responsibility remains with you. For reasons of law, and for practical reasons also, we cannot accept responsibility for your decisions, actions or inaction. This document is provided by MLRO Support Ltd and is not the personal responsibility of any director or employee of the company, whether or not it is written in the first person singular or signed by (or on behalf of) an individual or an officer of the company. No personal responsibility is assumed for the advice provided.