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From: "Standard Bank" <Standardbank@akacapital.co.za>
To: mike@govan.co.za
Date: 14 Apr 2025 12:54:44 -0500
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Content preview: Dear Business Client, Your overall experience with Standard
Bank Business and Commercial Banking remains our priority. As your partner
for growth throughout your business journey, we strive to keep you informed
of any chan [...]
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Subject: ***SPAM*** Standard Bank: VAT Increase Update
This is a multi-part message in MIME format.
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RDER-LEFT-COLOR: rgb(221,221,221); BORDER-BOTTOM-COLOR: rgb(221,221,221); B=
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gb(221,221,221); BORDER-BOTTOM-COLOR: rgb(221,221,221); BORDER-RIGHT-COLOR:=
rgb(221,221,221)" color=3D#ffffff><SPAN style=3D"FONT-FAMILY: arial, sans-=
serif">
Dear Business Client,<BR style=3D"BOX-SIZING: border-box; BORDER-TOP-COLOR:=
rgb(221,221,221); BORDER-LEFT-COLOR: rgb(221,221,221); BORDER-BOTTOM-COLOR=
: rgb(221,221,221); BORDER-RIGHT-COLOR: rgb(221,221,221)"><BR style=3D"BOX-=
SIZING: border-box; BORDER-TOP-COLOR: rgb(221,221,221); BORDER-LEFT-COLOR: =
rgb(221,221,221); BORDER-BOTTOM-COLOR: rgb(221,221,221); BORDER-RIGHT-COLOR=
: rgb(221,221,221)">
Your overall experience with Standard Bank Business and Commercial Banking =
remains our priority. As your partner for growth throughout your business j=
ourney, we strive to keep you informed of any changes that affect your busi=
ness.<BR style=3D"BOX-SIZING: border-box; BORDER-TOP-COLOR: rgb(221,221,221=
); BORDER-LEFT-COLOR: rgb(221,221,221); BORDER-BOTTOM-COLOR: rgb(221,221,22=
1); BORDER-RIGHT-COLOR: rgb(221,221,221)">
<BR style=3D"BOX-SIZING: border-box; BORDER-TOP-COLOR: rgb(221,221,221); BO=
RDER-LEFT-COLOR: rgb(221,221,221); BORDER-BOTTOM-COLOR: rgb(221,221,221); B=
ORDER-RIGHT-COLOR: rgb(221,221,221)">The Minister of Finance, in his Budget=
Speech on <SPAN style=3D"BOX-SIZING: border-box; BORDER-TOP-COLOR: rg=
b(221,221,221); BORDER-LEFT-COLOR: rgb(221,221,221); FONT-WEIGHT: bolder; B=
ORDER-BOTTOM-COLOR: rgb(221,221,221); BORDER-RIGHT-COLOR: rgb(221,221,221)"=
>12 March 2025</SPAN>
, announced an increase in the standard rate of VAT from <SPAN style=
=3D"BOX-SIZING: border-box; BORDER-TOP-COLOR: rgb(221,221,221); BORDER-LEFT=
-COLOR: rgb(221,221,221); FONT-WEIGHT: bolder; BORDER-BOTTOM-COLOR: rgb(221=
,221,221); BORDER-RIGHT-COLOR: rgb(221,221,221)">15%</SPAN>
to <SPAN style=3D"BOX-SIZING: border-box; BORDER-TOP-COLOR: rgb(=
221,221,221); BORDER-LEFT-COLOR: rgb(221,221,221); FONT-WEIGHT: bolder; BOR=
DER-BOTTOM-COLOR: rgb(221,221,221); BORDER-RIGHT-COLOR: rgb(221,221,221)">1=
5.5%</SPAN> with effect from <SPAN style=3D"BOX-SIZING: border-bo=
x; BORDER-TOP-COLOR: rgb(221,221,221); BORDER-LEFT-COLOR: rgb(221,221,221);=
FONT-WEIGHT: bolder; BORDER-BOTTOM-COLOR: rgb(221,221,221); BORDER-RIGHT-C=
OLOR: rgb(221,221,221)">1 May 2025</SPAN>
=2E In line with this announcement, we will increase the standard rate of V=
AT charged on our products, services and fees from <SPAN style=3D"BOX-=
SIZING: border-box; BORDER-TOP-COLOR: rgb(221,221,221); BORDER-LEFT-COLOR: =
rgb(221,221,221); FONT-WEIGHT: bolder; BORDER-BOTTOM-COLOR: rgb(221,221,221=
); BORDER-RIGHT-COLOR: rgb(221,221,221)">15%</SPAN>
to <SPAN style=3D"BOX-SIZING: border-box; BORDER-TOP-COLOR: rgb(=
221,221,221); BORDER-LEFT-COLOR: rgb(221,221,221); FONT-WEIGHT: bolder; BOR=
DER-BOTTOM-COLOR: rgb(221,221,221); BORDER-RIGHT-COLOR: rgb(221,221,221)">1=
5.5%</SPAN> effective <SPAN style=3D"BOX-SIZING: border-box; BORD=
ER-TOP-COLOR: rgb(221,221,221); BORDER-LEFT-COLOR: rgb(221,221,221); FONT-W=
EIGHT: bolder; BORDER-BOTTOM-COLOR: rgb(221,221,221); BORDER-RIGHT-COLOR: r=
gb(221,221,221)">1 May 2025</SPAN>
where applicable.<BR style=3D"BOX-SIZING: border-box; BORDER-TOP-COLO=
R: rgb(221,221,221); BORDER-LEFT-COLOR: rgb(221,221,221); BORDER-BOTTOM-COL=
OR: rgb(221,221,221); BORDER-RIGHT-COLOR: rgb(221,221,221)"><BR style=3D"BO=
X-SIZING: border-box; BORDER-TOP-COLOR: rgb(221,221,221); BORDER-LEFT-COLOR=
: rgb(221,221,221); BORDER-BOTTOM-COLOR: rgb(221,221,221); BORDER-RIGHT-COL=
OR: rgb(221,221,221)">
Please note that VAT will continue to be charged at <SPAN style=3D"BOX=
-SIZING: border-box; BORDER-TOP-COLOR: rgb(221,221,221); BORDER-LEFT-COLOR:=
rgb(221,221,221); FONT-WEIGHT: bolder; BORDER-BOTTOM-COLOR: rgb(221,221,22=
1); BORDER-RIGHT-COLOR: rgb(221,221,221)">15.5%</SPAN>
unless Parliament passes legislation giving effect to or nullifying t=
he announcement within <SPAN style=3D"BOX-SIZING: border-box; BORDER-T=
OP-COLOR: rgb(221,221,221); BORDER-LEFT-COLOR: rgb(221,221,221); FONT-WEIGH=
T: bolder; BORDER-BOTTOM-COLOR: rgb(221,221,221); BORDER-RIGHT-COLOR: rgb(2=
21,221,221)">12 months</SPAN>
=2E<BR style=3D"BOX-SIZING: border-box; BORDER-TOP-COLOR: rgb(221,221,221);=
BORDER-LEFT-COLOR: rgb(221,221,221); BORDER-BOTTOM-COLOR: rgb(221,221,221)=
; BORDER-RIGHT-COLOR: rgb(221,221,221)"><BR style=3D"BOX-SIZING: border-box=
; BORDER-TOP-COLOR: rgb(221,221,221); BORDER-LEFT-COLOR: rgb(221,221,221); =
BORDER-BOTTOM-COLOR: rgb(221,221,221); BORDER-RIGHT-COLOR: rgb(221,221,221)=
">
Details of pricing changes are available, please open the attached fil=
e to view and access the VAT increase update.<BR style=3D"BOX-SIZING: borde=
r-box; BORDER-TOP-COLOR: rgb(221,221,221); BORDER-LEFT-COLOR: rgb(221,221,2=
21); BORDER-BOTTOM-COLOR: rgb(221,221,221); BORDER-RIGHT-COLOR: rgb(221,221=
,221)"><BR style=3D"BOX-SIZING: border-box; BORDER-TOP-COLOR: rgb(221,221,2=
21); BORDER-LEFT-COLOR: rgb(221,221,221); BORDER-BOTTOM-COLOR: rgb(221,221,=
221); BORDER-RIGHT-COLOR: rgb(221,221,221)">
Kind regards,<BR style=3D"BOX-SIZING: border-box; BORDER-TOP-COLOR: rgb(221=
,221,221); BORDER-LEFT-COLOR: rgb(221,221,221); BORDER-BOTTOM-COLOR: rgb(22=
1,221,221); BORDER-RIGHT-COLOR: rgb(221,221,221)"><SPAN style=3D"BOX-SIZING=
: border-box; BORDER-TOP-COLOR: rgb(221,221,221); BORDER-LEFT-COLOR: rgb(22=
1,221,221); FONT-WEIGHT: bolder; BORDER-BOTTOM-COLOR: rgb(221,221,221); BOR=
DER-RIGHT-COLOR: rgb(221,221,221)">The Standard Bank Business and Commercia=
l Banking Team</SPAN></SPAN></FONT></TD></TR>
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ORDER-RIGHT-COLOR: rgb(221,221,221)" bgColor=3D#00164e><BR></TD></TR></TBOD=
Y></TABLE></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR></T=
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<TBODY style=3D"BOX-SIZING: border-box; BORDER-TOP-COLOR: rgb(221,221,221);=
BORDER-LEFT-COLOR: rgb(221,221,221); BORDER-BOTTOM-COLOR: rgb(221,221,221)=
; BORDER-RIGHT-COLOR: rgb(221,221,221)">
<TR style=3D"BOX-SIZING: border-box; BORDER-TOP-COLOR: rgb(221,221,221); BO=
RDER-LEFT-COLOR: rgb(221,221,221); BORDER-BOTTOM-COLOR: rgb(221,221,221); B=
ORDER-RIGHT-COLOR: rgb(221,221,221)">
<TD style=3D"BOX-SIZING: border-box; BORDER-TOP-COLOR: rgb(221,221,221); BO=
RDER-LEFT-COLOR: rgb(221,221,221); COLOR: rgb(0,0,0); BORDER-BOTTOM-COLOR: =
rgb(221,221,221); BORDER-RIGHT-COLOR: rgb(221,221,221)" width=3D"100%"><FON=
T style=3D"BOX-SIZING: border-box; BORDER-TOP-COLOR: rgb(221,221,221); BORD=
ER-LEFT-COLOR: rgb(221,221,221); BORDER-BOTTOM-COLOR: rgb(221,221,221); BOR=
DER-RIGHT-COLOR: rgb(221,221,221)" size=3D-2>
The Standard Bank of South Africa Limited (Reg. No. 1962/000738/06). Author=
ised financial services and registered credit provider (NCRCP15).<BR style=
=3D"BOX-SIZING: border-box; BORDER-TOP-COLOR: rgb(221,221,221); BORDER-LEFT=
-COLOR: rgb(221,221,221); BORDER-BOTTOM-COLOR: rgb(221,221,221); BORDER-RIG=
HT-COLOR: rgb(221,221,221)"><SPAN style=3D"FONT-FAMILY: monospace">
<BR style=3D"BOX-SIZING: border-box; BORDER-TOP-COLOR: rgb(221,221,221); BO=
RDER-LEFT-COLOR: rgb(221,221,221); BORDER-BOTTOM-COLOR: rgb(221,221,221); B=
ORDER-RIGHT-COLOR: rgb(221,221,221)"></SPAN></FONT><FONT style=3D"BOX-SIZIN=
G: border-box; BORDER-TOP-COLOR: rgb(221,221,221); BORDER-LEFT-COLOR: rgb(2=
21,221,221); BORDER-BOTTOM-COLOR: rgb(221,221,221); BORDER-RIGHT-COLOR: rgb=
(221,221,221)" size=3D2><SPAN style=3D"FONT-FAMILY: georgia, serif">
Copyright Standard Bank Group Limited. All rights reserved.<BR style=3D"BOX=
-SIZING: border-box; BORDER-TOP-COLOR: rgb(221,221,221); BORDER-LEFT-COLOR:=
rgb(221,221,221); BORDER-BOTTOM-COLOR: rgb(221,221,221); BORDER-RIGHT-COLO=
R: rgb(221,221,221)"><BR style=3D"BOX-SIZING: border-box; BORDER-TOP-COLOR:=
rgb(221,221,221); BORDER-LEFT-COLOR: rgb(221,221,221); BORDER-BOTTOM-COLOR=
: rgb(221,221,221); BORDER-RIGHT-COLOR: rgb(221,221,221)">
<SPAN style=3D"BOX-SIZING: border-box; BORDER-TOP-COLOR: rgb(221,221,221); =
BORDER-LEFT-COLOR: rgb(221,221,221); FONT-WEIGHT: bolder; BORDER-BOTTOM-COL=
OR: rgb(221,221,221); BORDER-RIGHT-COLOR: rgb(221,221,221)">Standard Bank e=
mail disclaimer and confidentiality note:</SPAN><BR style=3D"BOX-SIZING: bo=
rder-box; BORDER-TOP-COLOR: rgb(221,221,221); BORDER-LEFT-COLOR: rgb(221,22=
1,221); BORDER-BOTTOM-COLOR: rgb(221,221,221); BORDER-RIGHT-COLOR: rgb(221,=
221,221)">
<BR style=3D"BOX-SIZING: border-box; BORDER-TOP-COLOR: rgb(221,221,221); BO=
RDER-LEFT-COLOR: rgb(221,221,221); BORDER-BOTTOM-COLOR: rgb(221,221,221); B=
ORDER-RIGHT-COLOR: rgb(221,221,221)">
This email, its attachments and any rights attaching hereto are, unless the=
context clearly indicates otherwise, the property of the Standard Bank Gro=
up Limited and/or its subsidiaries ("the group"), and are confidential, pri=
vate and intended for the addressee only. The group treats all personal inf=
ormation as private and confidential in line with its privacy statement. Fo=
r more information on the group's privacy statement visit https://<IMG styl=
e=3D"BORDER-TOP-STYLE: none; BOX-SIZING:=20
border-box; BORDER-LEFT-STYLE: none; BORDER-TOP-COLOR: rgb(221,221,221); VE=
RTICAL-ALIGN: middle; BORDER-BOTTOM-STYLE: none; BORDER-LEFT-COLOR: rgb(221=
,221,221); BORDER-BOTTOM-COLOR: rgb(221,221,221); BORDER-RIGHT-STYLE: none;=
BORDER-RIGHT-COLOR: rgb(221,221,221)" src=3D"https://www.standardbank.com/=
static_file/Campaigns/Studio/online2025/GMS-26874/GMS-26874-spacer.png" wid=
th=3D1 height=3D1>
www.<IMG style=3D"BORDER-TOP-STYLE: none; BOX-SIZING: border-box; BORDER-LE=
FT-STYLE: none; BORDER-TOP-COLOR: rgb(221,221,221); VERTICAL-ALIGN: middle;=
BORDER-BOTTOM-STYLE: none; BORDER-LEFT-COLOR: rgb(221,221,221); BORDER-BOT=
TOM-COLOR: rgb(221,221,221); BORDER-RIGHT-STYLE: none; BORDER-RIGHT-COLOR: =
rgb(221,221,221)" src=3D"https://www.standardbank.com/static_file/Campaigns=
/Studio/online2025/GMS-26874/GMS-26874-spacer.png" width=3D1 height=3D1>
standardbank. <IMG style=3D"BORDER-TOP-STYLE: none; BOX-SIZING: border=
-box; BORDER-LEFT-STYLE: none; BORDER-TOP-COLOR: rgb(221,221,221); VERTICAL=
-ALIGN: middle; BORDER-BOTTOM-STYLE: none; BORDER-LEFT-COLOR: rgb(221,221,2=
21); BORDER-BOTTOM-COLOR: rgb(221,221,221); BORDER-RIGHT-STYLE: none; BORDE=
R-RIGHT-COLOR: rgb(221,221,221)" src=3D"https://www.standardbank.com/static=
_file/Campaigns/Studio/online2025/GMS-26874/GMS-26874-spacer.png" width=3D1=
height=3D1>
co.za/southafrica/personal/about-us/legal/privacy-statement/<BR style=3D"BO=
X-SIZING: border-box; BORDER-TOP-COLOR: rgb(221,221,221); BORDER-LEFT-COLOR=
: rgb(221,221,221); BORDER-BOTTOM-COLOR: rgb(221,221,221); BORDER-RIGHT-COL=
OR: rgb(221,221,221)"><BR style=3D"BOX-SIZING: border-box; BORDER-TOP-COLOR=
: rgb(221,221,221); BORDER-LEFT-COLOR: rgb(221,221,221); BORDER-BOTTOM-COLO=
R: rgb(221,221,221); BORDER-RIGHT-COLOR: rgb(221,221,221)">
Should you not be the addressee and receive this email by mistake, kindly n=
otify the sender and delete it immediately. Do not disclose or use the emai=
l in any manner whatsoever.<BR style=3D"BOX-SIZING: border-box; BORDER-TOP-=
COLOR: rgb(221,221,221); BORDER-LEFT-COLOR: rgb(221,221,221); BORDER-BOTTOM=
-COLOR: rgb(221,221,221); BORDER-RIGHT-COLOR: rgb(221,221,221)">
<BR style=3D"BOX-SIZING: border-box; BORDER-TOP-COLOR: rgb(221,221,221); BO=
RDER-LEFT-COLOR: rgb(221,221,221); BORDER-BOTTOM-COLOR: rgb(221,221,221); B=
ORDER-RIGHT-COLOR: rgb(221,221,221)">Views and opinions expressed in this e=
mail are those of the sender unless clearly stated as those of the Group.<B=
R style=3D"BOX-SIZING: border-box; BORDER-TOP-COLOR: rgb(221,221,221); BORD=
ER-LEFT-COLOR: rgb(221,221,221); BORDER-BOTTOM-COLOR: rgb(221,221,221); BOR=
DER-RIGHT-COLOR: rgb(221,221,221)">
<BR style=3D"BOX-SIZING: border-box; BORDER-TOP-COLOR: rgb(221,221,221); BO=
RDER-LEFT-COLOR: rgb(221,221,221); BORDER-BOTTOM-COLOR: rgb(221,221,221); B=
ORDER-RIGHT-COLOR: rgb(221,221,221)">
The Group accepts no liability whatsoever for any loss or damages howsoever=
incurred or suffered as a result of or arising from the use of this email =
or its attachments. The group does not warrant the integrity of this email =
nor does it warrant that it is free of errors, viruses, interception or int=
erference.<BR style=3D"BOX-SIZING: border-box; BORDER-TOP-COLOR: rgb(221,22=
1,221); BORDER-LEFT-COLOR: rgb(221,221,221); BORDER-BOTTOM-COLOR: rgb(221,2=
21,221); BORDER-RIGHT-COLOR: rgb(221,221,221)">
<BR style=3D"BOX-SIZING: border-box; BORDER-TOP-COLOR: rgb(221,221,221); BO=
RDER-LEFT-COLOR: rgb(221,221,221); BORDER-BOTTOM-COLOR: rgb(221,221,221); B=
ORDER-RIGHT-COLOR: rgb(221,221,221)">
The Group expressly excludes and contracts outside of sections 11, 12 and 1=
3 of the Electronic Communications and Transactions Act 25 of 2002 in so fa=
r as these provide for and relate to electronic contracting, and no data me=
ssage or electronic communication from the Group will be recognised under a=
ny circumstances as having any legal contractual status as provided for und=
er the aforementioned provisions, unless the Group expressly states so.<BR =
style=3D"BOX-SIZING: border-box; BORDER-TOP-COLOR:=20
rgb(221,221,221); BORDER-LEFT-COLOR: rgb(221,221,221); BORDER-BOTTOM-COLOR:=
rgb(221,221,221); BORDER-RIGHT-COLOR: rgb(221,221,221)"><BR style=3D"BOX-S=
IZING: border-box; BORDER-TOP-COLOR: rgb(221,221,221); BORDER-LEFT-COLOR: r=
gb(221,221,221); BORDER-BOTTOM-COLOR: rgb(221,221,221); BORDER-RIGHT-COLOR:=
rgb(221,221,221)">
<SPAN style=3D"BOX-SIZING: border-box; BORDER-TOP-COLOR: rgb(221,221,221); =
BORDER-LEFT-COLOR: rgb(221,221,221); FONT-WEIGHT: bolder; BORDER-BOTTOM-COL=
OR: rgb(221,221,221); BORDER-RIGHT-COLOR: rgb(221,221,221)">Standard Bank</=
SPAN>
will never send you an SMS, an email or any other communication askin=
g you to update or provide confidential information about you or your accou=
nt. We will also not send you links that take you to a site where you are r=
equired to capture your personal banking information and we will NEVER ask =
you to share your OTPs or passwords. If you have any doubts about the legit=
imacy of this email or other emails you receive claiming to be from Standar=
d Bank, please report it to the bank by creating=20
a new email with the suspicious email as an attachment and send it to phish=
ing<IMG style=3D"BORDER-TOP-STYLE: none; BOX-SIZING: border-box; BORDER-LEF=
T-STYLE: none; BORDER-TOP-COLOR: rgb(221,221,221); VERTICAL-ALIGN: middle; =
BORDER-BOTTOM-STYLE: none; BORDER-LEFT-COLOR: rgb(221,221,221); BORDER-BOTT=
OM-COLOR: rgb(221,221,221); BORDER-RIGHT-STYLE: none; BORDER-RIGHT-COLOR: r=
gb(221,221,221)" src=3D"https://www.standardbank.com/static_file/Campaigns/=
Studio/online2025/GMS-26874/GMS-26874-spacer.png"=20
width=3D1 height=3D1>@standardbank.co <IMG style=3D"BORDER-TOP-STYLE: =
none; BOX-SIZING: border-box; BORDER-LEFT-STYLE: none; BORDER-TOP-COLOR: rg=
b(221,221,221); VERTICAL-ALIGN: middle; BORDER-BOTTOM-STYLE: none; BORDER-L=
EFT-COLOR: rgb(221,221,221); BORDER-BOTTOM-COLOR: rgb(221,221,221); BORDER-=
RIGHT-STYLE: none; BORDER-RIGHT-COLOR: rgb(221,221,221)" src=3D"https://www=
=2Estandardbank.com/static_file/Campaigns/Studio/online2025/GMS-26874/GMS-2=
6874-spacer.png" width=3D1 height=3D1>
=2Eza<IMG style=3D"BORDER-TOP-STYLE: none; BOX-SIZING: border-box; BORDER-L=
EFT-STYLE: none; BORDER-TOP-COLOR: rgb(221,221,221); VERTICAL-ALIGN: middle=
; BORDER-BOTTOM-STYLE: none; BORDER-LEFT-COLOR: rgb(221,221,221); BORDER-BO=
TTOM-COLOR: rgb(221,221,221); BORDER-RIGHT-STYLE: none; BORDER-RIGHT-COLOR:=
rgb(221,221,221)" src=3D"https://www.standardbank.com/static_file/Campaign=
s/Studio/online2025/GMS-26874/GMS-26874-spacer.png" width=3D1 height=3D1>
=2E Delete the suspicious email immediately afterwards.<BR style=3D"BOX-SIZ=
ING: border-box; BORDER-TOP-COLOR: rgb(221,221,221); BORDER-LEFT-COLOR: rgb=
(221,221,221); BORDER-BOTTOM-COLOR: rgb(221,221,221); BORDER-RIGHT-COLOR: r=
gb(221,221,221)"><BR style=3D"BOX-SIZING: border-box; BORDER-TOP-COLOR: rgb=
(221,221,221); BORDER-LEFT-COLOR: rgb(221,221,221); BORDER-BOTTOM-COLOR: rg=
b(221,221,221); BORDER-RIGHT-COLOR: rgb(221,221,221)">
For more information about Standard Bank Group Limited see www.<IMG style=
=3D"BORDER-TOP-STYLE: none; BOX-SIZING: border-box; BORDER-LEFT-STYLE: none=
; BORDER-TOP-COLOR: rgb(221,221,221); VERTICAL-ALIGN: middle; BORDER-BOTTOM=
-STYLE: none; BORDER-LEFT-COLOR: rgb(221,221,221); BORDER-BOTTOM-COLOR: rgb=
(221,221,221); BORDER-RIGHT-STYLE: none; BORDER-RIGHT-COLOR: rgb(221,221,22=
1)" src=3D"https://www.standardbank.com/static_file/Campaigns/Studio/online=
2025/GMS-26874/GMS-26874-spacer.png" width=3D1 height=3D1>
standardbank.<IMG style=3D"BORDER-TOP-STYLE: none; BOX-SIZING: border-box; =
BORDER-LEFT-STYLE: none; BORDER-TOP-COLOR: rgb(221,221,221); VERTICAL-ALIGN=
: middle; BORDER-BOTTOM-STYLE: none; BORDER-LEFT-COLOR: rgb(221,221,221); B=
ORDER-BOTTOM-COLOR: rgb(221,221,221); BORDER-RIGHT-STYLE: none; BORDER-RIGH=
T-COLOR: rgb(221,221,221)" src=3D"https://www.standardbank.com/static_file/=
Campaigns/Studio/online2025/GMS-26874/GMS-26874-spacer.png" width=3D1 heigh=
t=3D1>
com<BR style=3D"BOX-SIZING: border-box; BORDER-TOP-COLOR: rgb(221,221,221);=
BORDER-LEFT-COLOR: rgb(221,221,221); BORDER-BOTTOM-COLOR: rgb(221,221,221)=
; BORDER-RIGHT-COLOR: rgb(221,221,221)"><BR style=3D"BOX-SIZING: border-box=
; BORDER-TOP-COLOR: rgb(221,221,221); BORDER-LEFT-COLOR: rgb(221,221,221); =
BORDER-BOTTOM-COLOR: rgb(221,221,221); BORDER-RIGHT-COLOR: rgb(221,221,221)=
">GMS-27385 04/25</SPAN></FONT></TD></TR></TBODY></TABLE></TD></TR></TBODY>=
</TABLE></TD></TR></TBODY></TABLE></DIV>
<P>
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