| Welcome: Nompu Siziba – Moneyweb Market Watcher: Chantal Marx – Head: research, FNB Wealth and Investment Revised lockdown restrictions as first dose of vaccines touch down in SA: Maarten Ackerman – Chief economist, Citadel Mining indaba 2021: ESG impact on high-risk mining communities: Mzila Mthenjane – Executive Head of Stakeholder Affairs, Exxaro Absa announces implementation of new fee structure: Cowyk Fox – Managing Executive: Everyday Banking, Absa Retail and Business Bank Trust between mining industry and stakeholders is a major risk in 2021 – report: Andrew Lane – Energy, Resources & Industrials Leader, Deloitte Understanding property finance for first-time buyers: Adrian Goslett – Regional Director and CEO, RE/MAX of Southern Africa | 