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The information in these books are for informational and educational purposes only. It is not intended to constitute a recommendation or advice as to any financial planning strategy, legal, tax, investment or other matter and is not designed as a substitute for professional advice. The views expressed in this book do not take into account the investment objectives, financial situation, characteristics and needs of any particular investor and should not be taken as advice to pursue any specific financial planning strategy. Citibank Singapore Limited and/or the branches, affiliates and/or subsidiaries of Citigroup, Inc. (together "Citigroup") shall not be held liable for any complaint, suit, action, claim, expense, loss or damage arising out of or in connection with reader's reliance or acting upon or use of any advice, opinion, material or product obtained, purchased given at or in connection to these books.
 
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