| Welcome: Nompu Siziba Market Watcher: Wayne McCurrie – Senior portfolio manager, FNB Wealth and Investment Sanlam earnings decline 19% due to weak economy: Wikus Olivier – CFO, Sanlam Exxaro sees profit boost despite lower coal earnings: Mzila Mthenjane - Executive Head: Stakeholder Affairs, Exxaro What will GEMS be offering in 2020: Dr Stan Moloabi – Principal officer, GEMS What does wealth really mean? Yolan Friedmann – CEO, Endangered Wildlife Trust Baker helps bring a touch of magic to your special day: Kevin Schoof – Founder, Baker Boys | 