con

, Monument may be subject to regulatory censure or fines or both as a consequence of failing to have appropriate systems and controls in place to provide adequate management of any conflict of interest. 1.1.5 Conflicts of interest may arise in the... interest to the customer in a timely 2 manner, especially before any contract is concluded . Reference is made to the provisions under Section 5.5. 5.2 Identification 5.2.1 As stated under Section 1.4, a conflict of interest occurs when (i) the concerns

to withholding tax on interest income, no capital gains tax will apply. This capital gains tax does not apply to second- and third-pillar insurance contracts (group insurance, individual pension commitments, CPTI, PLCI, pension savings insurance, and long-term savings contracts).