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As a member of the Nedbank Group, South Africa's third most empowered company (EmpowerDEX 2009 Survey), Nedgroup Investments subscribes to a number of codes and practices that lead to good governance, and which form part of our overall business strategy. With respect to black economic empowerment, we are committed to going beyond mere compliance with the Financial Services Sector targets. A detailed BEE scorecard is available on request and we would be happy to answer any questions you may have.