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The information contained in and accompanying this communication may be confidential, subject to legal privilege, or otherwise protected from disclosure, and is intended solely for the use of the intended recipient(s). If you are not the intended recipient of this communication, please delete and destroy all copies in your possession, notify the sender that you have received this communication in error, and note that any review or dissemination of, or the taking of any action in reliance on, this communication is expressly prohibited. 

Email messages may contain computer viruses or other defects, may not be accurately replicated on other systems, or may be intercepted, deleted or interfered with without the knowledge of the sender or the intended recipient. Rothesay Life Plc (”Rothesay”) makes no warranties in relation to these matters. Please note that Rothesay reserves the right to intercept, monitor, and retain email messages to and from its systems as permitted by applicable law. If you are not comfortable with the risks associated with email messages, you may decide not to use email to communicate with Rothesay.