Resumac Taking control of the last mile Managing and Saving Energy Consumption BUSINESS DESCRIPTION RESUMAC (PTY) LTD Reg. No. 2015/122196/07 TEL +27 11 447 6888 FAX 086 552 1637 Copyright 2015 www.resumac.com 1 RESUMAC Managing and Saving Energy Consumption SA on the brink of a national black-out – Eskom CEO http://www.moneyweb.co.za/uncategorized/sa-on-the-brink-of-a-national-blackout-eskom-ceo/ To set the stage, consider the following: • Regular Load shedding – here to stay for many years! • The continuously rising global demand for energy vs the need to conserve energy and save the environment. • The ever rising costs and increasing scarcity of fossil fuels such as oil and gas. RESUMAC is a system that REMOTELY controls, manages and reduces energy consumption and therefore substantially saves money. Never before has the timing for the launch of a system been so perfect! RESUMAC is for ALL USERS OF ELECTRICITY. The system has the ability and provides the means to REMOTELY: • Identify power-hungry circuits. • Monitor consumption in REAL-TIME. • Display consumption of individual circuits in actual monetary terms. • Ensure that demand never exceeds budget or supply. • Detect failing circuits that consume more power than they should. • Detect theft of both cables and power. • Manage, control and minimise wasteful habits. • Avoid penalties from excessive usage or extra charges during peak periods. • Relieve the pressure on an over extended and under-capitalised power grid system. • Increase awareness of how much power is being used and the costs thereof. Municipalities can now plan for significant and simultaneous reduction of demand across the network and take steps to mitigate the impact on grid stability without compromising commercial operations. Each member of a gated community can measure how actively they have participated in any energy saving program. The software allows the user to track their overall energy consumption and program their future usage to achieve a pre-determined budget - thus ensuring savings. Easy-to-understand graphical reports allow the user to monitor consumption in real time and hence confirm their programmed utility bill cost reductions. Having a real-time view of the data of all your consumption makes it possible to see patterns of energy waste that it would be impossible to see otherwise, allowing you to find and quantify energy-saving opportunities. KNOWING where your energy is being used and WASTED, plays a huge role in SAVING it! 2 The Company Executive Chairman: Craig Lutwyche With more than 20 years’ experience and a 100% success rate in analyzing and improving the performance of most of S.A.'s leading Companies, Craig chairs this dynamic new Company. A Step Ahead There are two points of differentiation, and that they are unique in their simplicity. “The first is the DNA of the company,” he says. “Built into it are the three objectives of delivery, which are capability, performance and return on investment, “but in reality, they boil down to one thing – delivery, delivery, delivery.” This mantra has been the one factor in the last seven years that has enabled us to go through every initiative and make sure that is has been successful.” Chief Executive Officer: Peter Malebye Peter has in excess of 15 years working experience of which the last 9 years were spent on financial inclusion, new business scaling, digital solutions development, market research, intelligence, defining new business models, business development, management consulting, strategic consulting, strategic product development, solution integration, overall business and strategic planning, pricing, customer analytics, driving strategic initiatives process, business integration and support function to executive committee and managing cross-functional teams for entry products launches as well as contributing to entry category products strategy and business performance. In 2012, Peter was responsible for launching the Mobile Money division for MTN in South Africa which has since grown in capability in the market and contributing to driving financial inclusion in the South Africa market. He has worked for Alcatel, MTN, Accenture, Burlington strategy advisors, Nokia Sub Sahara Africa and now he is financial inclusion, energy solutions and digital products strategic advisor for emerging markets entry strategies. Peter holds a Bachelor Electrical Engineering and GDE (Industrial Engineering from Wits University) BANKERS: ATTORNEYS: AUDITORS: FNB BEDFORD GARDENS 1 SCHOEMAN ATTORNEYS Fourie and Associates 3 2. FAREEAA CsIKÓS INC. The RESUMAC System The RESUMAC System is a combination of specialised monitoring Hardware and dedicated controlling Software that manages and controls energy consuming devices from a central internet based server. RESUMAC is unique in that it does not depend on any form of concentrator or central data collecting device, instead all devices communicate directly to the remote central server via GSM / GPRS which eliminates typical Radio Frequency (RF) network range issues. The system covers unlimited distances indoor or outdoor via GSM / GPRS communication with a customized protocol to communicate commands and data requests over the network. Where RF is needed, RESUMAC boasts “state of the art” RF technology capable of incredible distances with incredibly reliable transmission - even from under-ground. Hardware Designed for both indoor and outdoor environments, the hardware consists of electronic data logging devices that measure and control the electrical power consumption of various devices via two-way GSM communication with our remote server. The system is suitable for 120 amp 30 amp applications and stores data for up to 1 year with battery backup of up to 48 hours. The 120Amp device is suitable for larger electrical equipment such as industrial machinery, large pumps, electrical circuits, and phase circuits in municipal substations etc. while the 30Amp device is suitable for small to medium electrical equipment such as geysers, fridges, washing machines, heaters, air conditioners, pool pumps, water pumps, light circuits, etc. Features and Benefits • • • • • Accuracy and reliability. Communications via Global System for Mobile (GSM) network to central database on private Access Point Name (APN) Remote control from website or mobile app: o Transmit / Receive data from central database in real-time or pre-set cycles. o Transmit ON / OFF and Measurement commands to individual devices or groups of devices in real-time or pre-set cycles. o Record and Store history of data and commands sent / received / to / from devices. Real-time reporting, measurement and calculation of: o RMS Voltages, RMS Currents and Watts. o Apparent Power, Real Power and Power Factor value in real-time o Voltage variations. o Device malfunction 4 X Analog and Digital inputs & outputs with additional RF, RS485, RS232, Modbus and DNP3 protocol capability to communicate to external measuring equipment and devices with SCADA compatibility. 4 Software The software is the core of the entire solution in that it allows the user to remotely manage and control their energy consumption via the internet or mobile phone. The RESUMAC software has a unique grid based interface that displays consumption and cost in real time by appliance/machinery, house/building, street, suburb, town, city and province and assists the user in identifying which device/s are the “big” consumers in energy and recommends scheduling strategies to reduce consumption and cost. In addition the software has been designed to interface with the SCADA protocols (Supervisory Control And Data Acquisition) used by electricity and water supply utilities worldwide. This will enable these Utilities to go beyond the present barrier of the Sub stations and reach into the consumers’ distribution boards. This gives them an invaluable tool to control consumption on individual systems such as geysers and pool pumps and street lights in order to avoid the necessity of rolling black outs. Features and Benefits The user has the ability to: • Guarantee reduction on energy consumption with substantial monetary savings. • Measure consumption and cost remotely. • Optimise profitability. • Detect which device is consuming the most electricity. • Draw statistics and reports on consumption and cost by the hour, day, week or month. o Reports available live, daily, weekly or monthly via SMS, email or fax. • Set limits on electricity consumption and / or cost for individual or group of devices. • Set action to take when consumption / cost reaches preset threshold. • Set conditional switching. i.e. if circuit A, phase B or device C is in ON / OFF state, switch circuit B, phase C or device D ON / OFF etc. • GPS map co-ordinates showing individual devices physical location by street, area and town. • Device status. i.e. ON / OFF, COST or malfunction in real-time. • Schedule for remote switch ON / OFF of individual device or group of devices immediately, daily, weekly or monthly in pre-set cycles. • Receive early warning alerts via SMS, email or fax: o When set conditions and actions are met or not met. o When device is reaching pre-set consumption threshold. • All scheduling, conditions and action can be set via Internet or Mobile application. • Store history (time stamped) of all data and commands transmitted / received from devices • Device profile specific to user logon ID. 5 PRACTICAL BENEFITS Many companies in South Africa are faced with incorrect electricity bills and end up paying more than they should each month. RESUMAC’s real time data and graphic display of consumption history provides an invaluable tool to identify energy waste and can save up to 50% on electricity bills and reduce your carbon foot print. Typical examples are: • • Have electrical circuits been turned on or off when required? o This can be monitored from a cell phone from anywhere and if not, the electrical circuit can then be switched on or off with the obvious benefit of not having to physically be there to do so. Identify who or what is causing energy wastage. Examination of the two graphs below will show: o Between 13:00 and 15:00 on Friday, an increase over the average consumption is visible – why? (Investigation found that a staff member did a private welding job.) o The average energy consumption on Friday after hours is 25 Kwh. o The average energy consumption on Saturday after hours was 130 Kwh! Why? (Certain circuits that were not switched off.) Saturday Friday 200 160 150 150 100 140 50 130 0 120 The system provides the following statistics and information: • Exact Rand value of operation of individual appliances. Most expensive appliances are easily identified. Management of these electrical circuits will obtain most savings. • Highest / lowest / average consumption for the day / week / month. • Power quality – spikes and surges by time stamp. This is valuable information that can substantiate a claim when appliances blow for no apparent reason. • Electrical circuits and loads can be managed according specific criteria. • Sequential electrical circuits that need to switch on and off depending on the status of other electrical circuits can be guaranteed to function correctly and without fail. • Prevention of over-load on a circuit via early warning, - A faulty appliance that is drawing more power than its rating can be identified and fixed before serious damage occurs. • Electrical wiring problems can easily be identified. • Specific electrical circuits are easily activated via external devices and sensors. Eg. Turn on air-conditioning when someone enters the room or turn off the irrigation system when the water reservoir runs low. 6 OFFICE BLOCKS, SHOPPING MALLS AND COMMERCIAL WASTE OR CONSERVE Our country is no longer in a position to waste electricity. Buildings can monitor and control heating, ventilation and air-conditioner systems, equipment can be pro-actively managed ensuring optimum performance and maximizing savings. Peak demand management or Load shedding strategies automate a buildings use of electricity during peak periods, reducing peak kVA demand, resulting in significant electricity savings. RESUMAC Features and Benefits: • Cost of consumption per appliance / office / floor / building is measured in real-time. • Typical office appliances are comprehensively managed via specific pre-determined criteria, objectives and conditions. Non-essential appliances and electrical circuits left on when people leave will automatically switch off when not required. • Reduce peak load consumption • Lower electricity bills • More efficient / intelligent control of equipment • No inconvenience to staff • No Eskom penalties • Water wastage or leakage and excessive usage by floor / building is identified. Occupancy sensors Historically buildings were designed with one light switch per floor or wing, with the last person leaving, responsible for turning the lights off. Occupancy sensors reduce your energy costs by controlling lights and air-cons more efficiently by turning them off when areas are unoccupied. Electricity bills are thereby reduced and the carbon footprints are lowered. 7 MUNICIPALITIES It is impossible to manage supply if you cannot manage demand. All variables for demand are easily managed and controlled by the Resumac system: • Accurately identify consumption against billing. • Accurately identify and measure non-billable electrical consumption. (Street and traffic lights etc.) • Micro load shed per circuit per phase with minimal disruption to commerce and industry. (Switch on every 2nd or 3rd street light) • Demand Side Management (DSM) per circuit per phase. (Manage peak demand) • Confirm electricity delivered matches invoice. • Pre-empt over-loading and collapsing circuits • Identify electricity theft. • The need for human interaction to switch household supply on and off is removed. • A shortage of power has the net effect of compromising the entire water services value chain for the period of its absence. FARMING, MINING AND INDUSTRIAL Remote control ensures that human man hours required managing the infrastructure especially during malfunctions or breakdowns are reduced to minimum. Invaluable reports, information and functionality is provided by the Resumac system. • • • • • • • Financial reports on actual cost of the operation of individual machinery. Prevent breakdowns and unnecessary damage to crucial machinery via early alert of problems on pumps, motors, machinery etc. Manage operations upon preset criteria via means of external sensors and monitoring equipment. Receive SMS, e-mail or fax notifications based on specified criteria. Remotely monitor and manage irrigation systems, water flow, water levels, and pumps, activate / deactivate machinery based upon pre-determined criteria. Identify cable theft. Remote scheduling of on / off times for machinery. 8 RESIDENTIAL RESUMAC provides the following features and benefits to a home owner: • Savings of up to 50%. • Single unit vs. multiple components of competitive products. • Remotely manage & control appliance consumption and cost via internet or mobile application (cell phone) • User friendly and fully customizable to suit user needs and environment. • Set limits on electricity consumption and / or cost. • Schedule appliance ON / OFF to comply with limits set for consumption and cost and / or to run at certain times of day, week and month. • Set conditional switching ON / OFF of appliances or electricity circuit, i.e. switch appliance A & B OFF when appliance C is in ON state or switch appliance A,B & C off when load on electricity circuit reaches X value. • Receive early warning via SMS, email or fax when appliance exceeds limits, is switched ON or OFF or does not comply with conditions. • Identify appliances that consume electricity above there specifications. • Identify power surges and quality by time stamp. • Remotely check: o Which appliances are ON / OFF and switch accordingly. o Which appliances have consumed and cost the most for the day, week or month. • Connect external services such as alarm system, camera, electricity fence or exiting smart water metering devices and receive sms, email or fax when activated or condition changes. • Setup customized reporting on consumption and cost. • Compare municipal and landlord monitored accounts with the data provided by the RESUMAC system and ENSURE that you are being charged correctly! The following are typical reasons for a discrepancy in an account: o Estimations of consumption were miscalculated up by up to 70%. o Incorrect meter readings by humans. o Charging calculated on the incorrect tariff. o Faulty meters. o Neighbours connected to your feed. o Incorrect supply installed, resulting in incorrect tariff being used. o Overcharging by Landlords. o Historical values incorrectly processed. Sectional Title and Security Villages. Municipalities provide bulk electricity and water and one account is furnished. Electricity of individual meters is read by the agent and monthly accounts are rendered. The agent is then responsible for the bulk electricity account from the municipality. RESUMAC can accurately provide cost and consumption for individual consumers. 9 COMPANY STRUCTURE All Intellectual Property for the RESUMAC System is held in an Isle of Mann trust which has granted the sole and exclusive global license to RESUMAC Holdings to manufacture and exploit the IP. RESUMAC Holdings, in turn, grants licenses to various countries, including South Africa and is the OEM supplier of the hardware and software of the RESUMAC SYSTEM RESUMAC HOLDINGS provides the following functions: COMMERCIAL • Intellectual Property Protection • Pricing • Collaborative planning with trading partners • Financing • Warrantee • Corporate Branding and System Identity • Marketing • Management accounting • Valuations and Market Research • Inter-Country Business • Trade Shows • Insurance TECHNICAL • Ongoing Research and Development of the system • Training and Support • Data Centre • Patent/ Trademark evaluations • Specifications & QC • Product assessment & all-stage testing • Packaging methods 10 SUPPLY CHAIN FUNCTIONS • Investment Procurement • Global manufacturing capabilities, spares, and support network • Logistics - Finished goods warehousing and inventory management, shipment-on-demand services, drop-ship to end customers. • Sourcing & re-sourcing analysis • Monitor & co-manage system costing • Monitor & co-manage international & domestic logistics • Monitor & co-manage import and export classifications codes (i.e. Harmonized Tariff Schedules, Duties) • Compensate for global communication and procurement dynamics • Operate under legal Non-Disclosure Agreements (NDA) Licenses for exploitation of the System on a country to country basis are available from RESUMAC which include the following: Licenses may be exclusive or divided according to the prospective license holder’s ability to penetrate selected sectors of the market. RESUMAC SOUTH AFRICA The South African operates within a well thought out structure, designed specifically to ensure maximum market penetration in all sectors. Holistic market penetration is accomplished by establishing a comprehensive network of resellers, distributors, stockists, electrical engineers and contractors as well as a finance company to support those consumers who would prefer to rent the system as opposed to an outright purchase. 11 MARKETING - Market Summary The market for the solution is segmented into 7 categories: • Municipalities – 41.9% • Industry – 25% • Mining – 14.1% • Commerce and Agriculture 6.8% • International – 5.7% • Residential – 5.1% • Rail – 1.4% Commercial & agricultural Mining 6.8%, [6.8%] Rail 14.1%, [14.6%] Residential 5.1%, [4.8%] 1.4%,[1.4%] International 5.7%, [6.4%] Municipalities Industry 25.0%, [23.8%] 41.9%, [42.2%] Competitors Competitors provide solutions that are limited in their capability to manage consumption locally or remotely and in most cases are outside the price range of consumers. They appear to overlook the needs of both the utility and consumer in terms of management and control of electricity consumption vs. cost. Systems that are close to meeting the required performance fall down on price. Their lack of functionality, accuracy, cost and ability to meet the needs of the consumer are the most probable reasons that 90% of the market remains in the “dark” on electricity consumption and the cost thereof. +n order for a utility or consumer to implement a solution remotely close to RESUMAC, they would need to acquire various products from different suppliers with the tedious task of having to integrate, if at all possible, the different solutions at enormous costs. The fact that RESUMAC does NOT NEED A CONCENTRATOR to communicate between individual circuits and the server: • Substantially reduces the overall cost of a complete system. • Vastly increases the range of operation and the reliability of performance. • Makes it a leader in its field. 12 Extensive market research conducted both internationally and locally revealed: • A clear and unfulfilled gap in product performance and consumer requirements. • Shortfalls on performance of available competitive systems. • A very high cost of functional products rendering an unacceptable “pay-back” period. • An undeniable need for an affordable system to save energy consumption. • The market lacked a cost effective and “total” solution that would benefit all energy consuming industries. • A specification for the “ideal” system. RESUMAC is superior to similar products on the market for the following reasons: • A RESUMAC system: o Is priced to suit the consumer pocket providing as little as a 4 month break-even period from the savings it provides. o Provides substantially more accurate results on electricity consumption and management than its competitors. o Is user friendly and simple to install. o Has a universal application from municipality to consumer consumption. o Covers all spectrums for the management and control of electricity consumption. o Has the capability to communicate with DNP3 and Modbus protocols which is the standard for SCADA type RESUMAC System o Is customizable to suit the exact needs of the consumer versus a “what you see is what you get” from competitors. • Each unit communicates directly with the server where competitors need a concentrator. • Each unit can act as a “concentrator” for other analogue or RF devices. RESUMAC was developed to be the ultimate solution across all energy consuming industries that would monopolize the respective industries. “You have to know that your product is solving a real problem that buyers are willing to pay you to solve. You can’t just believe there is a problem that needs to be solved.”..Dave Daniels. Training A comprehensive training academy is operated globally by our outsourced partner whose responsibility is to produce all required training manuals and material to our specifications and requirements and to update these manuals from time to time as required. Hard copy manuals are provided in training with soft-copy versions available on-line together with new product information as and when these are introduced Initial RESUMAC training is conducted at various facilities country-wide with classes of up to 10 people per session. Refresher courses and front line technical support is also provided by the academy at the electrical contractors sites together with regular webinars. In order to ensure that the highest standards are maintained at all times, annual on-line assessments are mandatory to maintain authorised status. 13 Market Structure: Distribution Strategy We have the exclusive mandate from RESUMAC International Holdings to co-ordinate and manage the establishment of a comprehensive distribution network that will maximize target market penetration throughout the regions and provinces of South Africa. We are committed to a distribution strategy that utilizes intermediated channels to reach the end consumer, i.e. we do not provide product directly to the end consumer. We seek rather to maximize target market penetration through the recruitment and licensing of Dealers and Resellers with existing channel footprint and end user (customer) relationships. Moreover, our goal is to leverage existing resources, infrastructure, relationships and expertise to expedite market entry and engineer rapid wealth creation at every step in the value chain across the entire network of distribution partners. We are equally committed to quality, and we will operate a distribution network that ensures every installation is properly designed and executed using professionally registered Electrical Engineers and qualified Electricians that are certified RESUMAC Installers. The Target Distribution Model for South Africa consists of two broad Networks:1. The Dealer Distribution Network, and 2. The Reseller Distribution Network. 1. The Dealer Distribution Network The Dealer Distribution Network is populated from a national "pool" of small to medium sized Electrical Contractors, and will predominantly services the needs of the Residential and SME market segments. Installations will be less sophisticated, utilize fewer Data Loggers, and will not typically require the advanced design and configuration skills of an Electrical Engineer. Inventory will be drawn directly from RESUMAC SA, or via a National Wholesaler with discretionary credit facilities. Financing structures will be developed for those customers that prefer a hire purchase option to an outright purchase transaction. The Dealer Distribution Network is by far the most substantial of the networks in terms of the number of licensed partners, with 90% of all licensed partners being Dealers and, according to our forecasts, will generate approximately 45% of our targeted sales in terms of Data Logger devices. 2. The Reseller Distribution Network The Reseller Distribution Network is configured and populated on the basis of specialized portfolios and discrete market channels, and is subdivided into two categories of Reseller:A. Value Added Resellers, and B. Specialized Agency Resellers 14 A. Value Added Resellers (VARs) This category of Reseller will predominantly service the Corporate, Government and Utility target markets in South Africa, and is populated from a much smaller and more diverse "pool" of larger Electrical Contracting firms, Electrical Engineering Consulting firms, large firms with complimentary offering and services, and professional firms with influential networks. Each VAR will be sector specific with a specialisation core servicing a client base that he already possesses a relationship with. The four configurations of Reseller in this category reflect the skills base and market focus of the firms with existing "footprints" in this sector. VAR Type 1 - Integrated Reseller: VAR Type 2 - Engineer Reseller: VAR Type 3 - Installer Reseller: VAR Type 4 - Associate Reseller: B. Speciaised Agency Resellers (SARs) This category of Reseller will predominantly service the Residential and SME target market segments, and will be recruited and licensed on the basis of a proven ability to operate discrete channel models with an established customer base in the target market segments. There are three types of SARs in this Reseller category. SAR Type 1 - Franchise Reseller: SAR Type 2 - Rental Reseller: SAR Type 3 - Retail & Wholesale Reseller: Retail distribution will, however be exclusive to a main distributor in order to ensure collaborative advertising and promotions and thereby achieve optimal penetration through the retail DIY and self-service market. Notwithstanding our very comprehensive distribution strategy, we are conservatively targeting only a 21% market penetration over the next 5 years and we have priced the system accordingly to ensure that this goal is reached. Our strategy is to collaborate with our partners in this project Vodacom and Yellow Pages and support our distribution network with mass media campaigns including TV. All direct advertising and promotions will be done in conjunction with our dealers and resellers. Our rental model is supported via mass media and a strong digital presence through Trudon / Yellow pages as our prime distribution partner. The promotional perspective of our strategy focusses on a below-the-line capability where we actively generate leads for our complete dealer / distribution base. Incorporated into every license / distribution agreement is an active strategy of a direct marketing model for the development and supply of qualified leads. 15 Generation of Qualified Leads We have contracted with Trudon (Yellow Pages) to be our exclusive outsourcing and procurement contractor and partner for lead generation. They are contracted to produce 3 million professionally qualified sales leads over a 3 year period which will be distributed through our contracted licensee partners to ensure that their sales teams achieve the minimum performance targets set for them. The supply of these leads is mandatory for our Dealer interface with options for our Value Added Resellers (VAR). The VAR’s are expected to leverage their own existing networks and would therefore not need qualified leads, but the option is there for them to enhance their performance. Our contractual arrangement with Trudon is exclusive and they are remunerated on a performance based structure per qualified lead. They supply a specific quantity of leads per Dealer depending on the contract we have with the various dealers. For example, our Dealer Type 1 would receive 120 qualified leads per month for a year and working on a conservative 25% closure rate, each of these Dealers is budgeted to conclude 30 sales per month which, in turn, provides substance to our sales forecasts. Each lead supplied is captured in our lead prospecting data base which in turn integrates with our Customer Relationship Management (CRM) system. This allows for complete transparency within our network and ensures that conflicts are easily resolved if not avoided completely. Practical Demonstrations and Interest The solution was recently demonstrated to SEL (Schweitzer Engineering Labourites), a SCADA solution provider to electricity supply utilities who showed great interest in the solution in as far as to invite various heads of departments within City Power to a follow up demonstration who equally were impressed and proposed the solution be tested in a pilot project in conjunction with SEL, City Power and Eskom. Pilot projects have already been scheduled for several Municipalities around the country. There have been several approaches from other parties interested in piloting the solution into large housing complexes, holiday resorts, commercial farming and mining industry with the emphasis to remotely manage and optimise their electricity consumption. 16 CONCLUSION THE POTENTIAL OF THIS SYSTEM CANNOT BE OVER-STATED!!! When considering that: The RESUMAC SYSTEM • Has no real competitor. • Can easily achieve a 35% saving on electricity (up to 50% is possible). • Has a very comprehensive distribution strategy. • Is priced to suit even the hardest pressed consumer. • Can assist in reducing load-shedding in the country. • Is an absolute necessity for every user of electricity. Then the true potential of this remarkable system can be seen and a market penetration of 21% over the next 5 years is very realistic. If you have read this document thoroughly and understood exactly how much of a breakthrough the Resumac System is, then: There is only one conclusion; join RESUMAC while opportunities are still available! The following opportunities are available • • • • • Dealers Resellers Electrical Contractors Franchises (Training and installing) Passive Income opportunities . Please do not hesitate to call us for any further information or a personal presentation in either Johannesburg or Cape Town. 17
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