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Contents









                Welcome.………………………………….……………….    2


                Our business…………………………….………………...  3



                PSK in the community.……………………………………  4


                About you.…………………………………….……….…...  6


                Market update.…………………………………….……….  10



                Our investment process………………………….……….  12



                Your portfolio…………………………….………………...  16


                Your insurances.…………………………………….…….  21


                Keeping you informed………………………….…………  23



                Our referral policy………………………….……………..                                            24


                Your key contacts at PSK……………….……………….                                           25
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