<?xml version="1.0" encoding="UTF-8"?><urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"><url><loc>http://www.libertyholdings.co.za/Pages/default.aspx</loc><lastmod>2012-02-21</lastmod></url><url><loc>http://www.libertyholdings.co.za/Pages/user-agreement.aspx</loc><lastmod>2010-08-12</lastmod></url><url><loc>http://www.libertyholdings.co.za/Pages/site-map.aspx</loc><lastmod>2012-02-02</lastmod></url><url><loc>http://www.libertyholdings.co.za/Pages/newsletter.aspx</loc><lastmod>2010-08-12</lastmod></url><url><loc>http://www.libertyholdings.co.za/Pages/email-track-infoatliberty.aspx</loc><lastmod>2009-09-29</lastmod></url><url><loc>http://www.libertyholdings.co.za/Documents/2011-notice-of-annual-general-meeting.pdf</loc><lastmod>2011-04-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/Documents/breast-cancer-factsheet.pdf</loc><lastmod>2011-09-28</lastmod></url><url><loc>http://www.libertyholdings.co.za/Documents/20111109-press-release-sandton-ciy-extension-launch.pdf</loc><lastmod>2011-11-11</lastmod></url><url><loc>http://www.libertyholdings.co.za/about-liberty/Pages/about-liberty.aspx</loc><lastmod>2011-11-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/about-liberty/Pages/company-history.aspx</loc><lastmod>2012-02-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/about-liberty/Pages/code-of-ethics.aspx</loc><lastmod>2010-08-12</lastmod></url><url><loc>http://www.libertyholdings.co.za/about-liberty/Pages/environmental-commitment.aspx</loc><lastmod>2010-08-12</lastmod></url><url><loc>http://www.libertyholdings.co.za/about-liberty/Pages/hiv-aids-policy.aspx</loc><lastmod>2010-08-12</lastmod></url><url><loc>http://www.libertyholdings.co.za/about-liberty/Pages/promotion-of-access-to-information-act.aspx</loc><lastmod>2010-08-12</lastmod></url><url><loc>http://www.libertyholdings.co.za/about-liberty/Pages/capital-alliance.aspx</loc><lastmod>2010-12-06</lastmod></url><url><loc>http://www.libertyholdings.co.za/about-liberty/Pages/contact-us.aspx</loc><lastmod>2010-08-12</lastmod></url><url><loc>http://www.libertyholdings.co.za/about-liberty/Pages/other-liberty-websites.aspx</loc><lastmod>2011-02-21</lastmod></url><url><loc>http://www.libertyholdings.co.za/about-liberty/Pages/libertys-prior-history.aspx</loc><lastmod>2010-08-12</lastmod></url><url><loc>http://www.libertyholdings.co.za/about-liberty/Documents/promotion-of-access-to-information-act/the-liberty-information-manual.doc</loc><lastmod>2009-10-14</lastmod></url><url><loc>http://www.libertyholdings.co.za/about-liberty/Documents/promotion-of-access-to-information-act/the-request-form.doc</loc><lastmod>2009-10-14</lastmod></url><url><loc>http://www.libertyholdings.co.za/about-liberty/Documents/promotion-of-access-to-information-act/proatia-manual.pdf</loc><lastmod>2011-09-28</lastmod></url><url><loc>http://www.libertyholdings.co.za/about-liberty/Documents/conflict-of-interest-policy.pdf</loc><lastmod>2011-04-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/about-liberty/Documents/national-credit-act-language-policy.pdf</loc><lastmod>2011-11-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/careers/Pages/careers.aspx</loc><lastmod>2012-01-27</lastmod></url><url><loc>http://www.libertyholdings.co.za/careers/Pages/vacancies.aspx</loc><lastmod>2012-02-21</lastmod></url><url><loc>http://www.libertyholdings.co.za/careers/Pages/become-a-professional-financial-adviser.aspx</loc><lastmod>2012-01-27</lastmod></url><url><loc>http://www.libertyholdings.co.za/careers/Documents/vacancies/20120215-technical-services-manager.pdf</loc><lastmod>2012-02-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/careers/Documents/vacancies/20120216-bancassurance.pdf</loc><lastmod>2012-02-06</lastmod></url><url><loc>http://www.libertyholdings.co.za/careers/Documents/vacancies/20120224-compliance-facilitatorx.pdf</loc><lastmod>2012-02-17</lastmod></url><url><loc>http://www.libertyholdings.co.za/careers/Documents/vacancies/20120302-microsoft-biztalk-administratorx1.pdf</loc><lastmod>2012-02-21</lastmod></url><url><loc>http://www.libertyholdings.co.za/careers/young-talent-at-liberty/Pages/young-talent-at-liberty.aspx</loc><lastmod>2012-02-09</lastmod></url><url><loc>http://www.libertyholdings.co.za/careers/young-talent-at-liberty/Pages/graduate-development-programme.aspx</loc><lastmod>2011-07-27</lastmod></url><url><loc>http://www.libertyholdings.co.za/careers/young-talent-at-liberty/Pages/what-the-liberty-graduate-development-programme-can-offer-you.aspx</loc><lastmod>2011-07-27</lastmod></url><url><loc>http://www.libertyholdings.co.za/careers/young-talent-at-liberty/Pages/what-happens-during-and-after-the-programme.aspx</loc><lastmod>2011-07-27</lastmod></url><url><loc>http://www.libertyholdings.co.za/careers/young-talent-at-liberty/Pages/entrance-criteria.aspx</loc><lastmod>2011-07-28</lastmod></url><url><loc>http://www.libertyholdings.co.za/careers/young-talent-at-liberty/Pages/learnership-programme.aspx</loc><lastmod>2011-08-29</lastmod></url><url><loc>http://www.libertyholdings.co.za/careers/young-talent-at-liberty/Pages/learnership-works.aspx</loc><lastmod>2011-08-29</lastmod></url><url><loc>http://www.libertyholdings.co.za/careers/young-talent-at-liberty/Pages/learnership-benefits.aspx</loc><lastmod>2011-08-29</lastmod></url><url><loc>http://www.libertyholdings.co.za/careers/young-talent-at-liberty/Pages/topp.aspx</loc><lastmod>2010-08-12</lastmod></url><url><loc>http://www.libertyholdings.co.za/careers/young-talent-at-liberty/Pages/core-exposure.aspx</loc><lastmod>2010-08-12</lastmod></url><url><loc>http://www.libertyholdings.co.za/careers/young-talent-at-liberty/Pages/programme-details.aspx</loc><lastmod>2010-08-12</lastmod></url><url><loc>http://www.libertyholdings.co.za/careers/young-talent-at-liberty/Pages/entrance-criteria-and-application-details.aspx</loc><lastmod>2010-08-12</lastmod></url><url><loc>http://www.libertyholdings.co.za/careers/young-talent-at-liberty/Pages/actuarial-bursary-programme.aspx</loc><lastmod>2011-09-14</lastmod></url><url><loc>http://www.libertyholdings.co.za/careers/young-talent-at-liberty/Pages/actuarial-graduate-recruitment-programme.aspx</loc><lastmod>2011-08-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/careers/young-talent-at-liberty/Pages/actuarial-scholar-day.aspx</loc><lastmod>2012-02-09</lastmod></url><url><loc>http://www.libertyholdings.co.za/careers/young-talent-at-liberty/Documents/learnership-advert.pdf</loc><lastmod>2010-08-25</lastmod></url><url><loc>http://www.libertyholdings.co.za/careers/young-talent-at-liberty/Documents/2012-learnership-programme-application.doc</loc><lastmod>2011-08-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/careers/young-talent-at-liberty/Documents/2012-learnership-programme-application.pdf</loc><lastmod>2011-08-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/contact-us/Pages/contact-us.aspx</loc><lastmod>2011-05-09</lastmod></url><url><loc>http://www.libertyholdings.co.za/contact-us/Pages/call-centre-numbers.aspx</loc><lastmod>2011-02-23</lastmod></url><url><loc>http://www.libertyholdings.co.za/contact-us/Pages/company-contacts.aspx</loc><lastmod>2011-08-03</lastmod></url><url><loc>http://www.libertyholdings.co.za/contact-us/Pages/investor-relations-contacts.aspx</loc><lastmod>2011-08-03</lastmod></url><url><loc>http://www.libertyholdings.co.za/contact-us/Pages/where-to-find-us.aspx</loc><lastmod>2011-01-20</lastmod></url><url><loc>http://www.libertyholdings.co.za/financials/Pages/financials.aspx</loc><lastmod>2012-02-15</lastmod></url><url><loc>http://www.libertyholdings.co.za/financials/Documents/20090630-interim-results-analyst-booklet.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/financials/Documents/20090630-interim-results-presentation.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/financials/Documents/20090806-ress-earnings-down-nterim-istribution-aintained-iberty-well-capitalised.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/financials/Documents/20090806-sens-liberty-holdings-unaudited-interim-results.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/financials/Documents/liberty-holdings-2009-annual-results-analyst-booklet.pdf</loc><lastmod>2010-02-25</lastmod></url><url><loc>http://www.libertyholdings.co.za/financials/Documents/liberty-holdings-2009-annual-results-presentation.pdf</loc><lastmod>2010-02-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/financials/Documents/20100630-interim-results-financial-results.pdf</loc><lastmod>2010-08-05</lastmod></url><url><loc>http://www.libertyholdings.co.za/financials/Documents/20100630-interim-results-presentation.pdf</loc><lastmod>2010-08-27</lastmod></url><url><loc>http://www.libertyholdings.co.za/financials/Documents/20100630-interim-dividend-details.pdf</loc><lastmod>2010-08-16</lastmod></url><url><loc>http://www.libertyholdings.co.za/financials/Documents/20100630-interim-results-statutory-versus-published-earnings.pdf</loc><lastmod>2010-09-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/financials/Documents/liberty-holdings-2010-annual-results-financial-results.pdf</loc><lastmod>2011-02-24</lastmod></url><url><loc>http://www.libertyholdings.co.za/financials/Documents/liberty-holdings-2010-annual-results-presentation.pdf</loc><lastmod>2011-02-24</lastmod></url><url><loc>http://www.libertyholdings.co.za/financials/Documents/report-of-the-statutory-actuary.pdf</loc><lastmod>2011-04-13</lastmod></url><url><loc>http://www.libertyholdings.co.za/financials/Documents/liberty-holdings-2011-interim-results-financial-results.pdf</loc><lastmod>2011-08-04</lastmod></url><url><loc>http://www.libertyholdings.co.za/financials/Documents/liberty-holdings-2011-interim-results-presentation.pdf</loc><lastmod>2011-08-04</lastmod></url><url><loc>http://www.libertyholdings.co.za/financials/Documents/liberty-holdings-2011-interim-results-supplementary-information.pdf</loc><lastmod>2011-08-04</lastmod></url><url><loc>http://www.libertyholdings.co.za/financials/Documents/STANLIB-inflows.pdf</loc><lastmod>2011-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/Pages/investor-relations.aspx</loc><lastmod>2012-02-10</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/Documents/interim-results/20090806-press-earnings-down-interim-distribution-maintained-liberty-well-capitalised.pdf</loc><lastmod>2009-08-28</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/Documents/interim-results/20090806-sens-liberty-holdings-unaudited-interim-results.pdf</loc><lastmod>2009-08-28</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/Documents/liberty-factsheet.pdf</loc><lastmod>2011-11-09</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/debt-investors/Pages/debt-investors.aspx</loc><lastmod>2012-02-10</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/debt-investors/Pages/credit-rating.aspx</loc><lastmod>2012-02-10</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/debt-investors/Documents/2009-liberty-credit-analysis.pdf</loc><lastmod>2009-09-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/debt-investors/Documents/full-credit-rating-comment.pdf</loc><lastmod>2011-07-20</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/debt-investors/Documents/liberty-credit-analysis.pdf</loc><lastmod>2011-09-06</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/debt-investors/Documents/20120131-credit-rating-comment.pdf</loc><lastmod>2012-02-09</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/equity-shareholders/Pages/equity-shareholders.aspx</loc><lastmod>2012-02-10</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/equity-shareholders/Pages/dividend-information.aspx</loc><lastmod>2011-09-08</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/equity-shareholders/Pages/shareholding-analysis.aspx</loc><lastmod>2012-02-15</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/equity-shareholders/Pages/transfer-secretaries.aspx</loc><lastmod>2011-06-21</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/equity-shareholders/Pages/analysts-coverage.aspx</loc><lastmod>2012-02-15</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/equity-shareholders/Pages/directors-dealings.aspx</loc><lastmod>2011-08-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/equity-shareholders/Pages/sa-macroeconomic-outlook.aspx</loc><lastmod>2012-02-21</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/equity-shareholders/Pages/adr-programme.aspx</loc><lastmod>2011-07-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/equity-shareholders/Documents/adr-programme.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/equity-shareholders/Documents/2008-chairmans-letter-to-shareholders.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/equity-shareholders/Documents/20100802-lbh-earnings-forecasts-summary.pdf</loc><lastmod>2010-08-02</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/equity-shareholders/Documents/2011-consensus-forecasts.pdf</loc><lastmod>2012-02-15</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Pages/financial-reports-and-presentations.aspx</loc><lastmod>2012-02-13</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Pages/1998-annual-report.aspx</loc><lastmod>2012-02-10</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Pages/archives.aspx</loc><lastmod>2012-02-09</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Pages/1999-preliminary-results-report.aspx</loc><lastmod>2012-02-10</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Pages/liberty-life-association-of-africa-limited.aspx</loc><lastmod>2012-02-13</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Pages/liberty-holdings-limited.aspx</loc><lastmod>2012-02-13</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Pages/annual-results.aspx</loc><lastmod>2012-02-10</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Pages/interim-results.aspx</loc><lastmod>2012-02-13</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Pages/sustainability-reports.aspx</loc><lastmod>2012-02-13</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Pages/other-presentations.aspx</loc><lastmod>2012-02-13</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Pages/other-presentations-archive.aspx</loc><lastmod>2012-02-13</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Pages/financial-results.aspx</loc><lastmod>2012-02-10</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Pages/announcement-archives.aspx</loc><lastmod>2012-02-10</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Pages/prior-results-archives.aspx</loc><lastmod>2012-02-13</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/2008/20080514_sens_results_of_agm.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/2008/20081231_report_of_the_statutory_actuary.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/2008/2008_liberty_interim_results_analysts_booklet.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/2008/2008_liberty_interim_results_appendices.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/2008/2008_liberty_interim_results_presentation.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/2008/liberty_holdings_2008_annual_results_analyst_booklet.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/2008/liberty_holdings_2008_annual_results_presentation.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/2007/20070524_sens_results_of_agm.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/2007/2007_interim_presentation.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/2007/2007_interim_report.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/2007/letter_non_executive_director_fee.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/2007/Liberty_2007_results_resentation.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/2007/Liberty_analyst_final.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/2006/additional_disclosure_documents_2006.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/2006/interim_results_web_2006.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/2006/liberty_2006_audited_results_pres.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/2006/liberty_group_booklet_06.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/2006/liberty_group_limited_agm_may2006.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/2005/liberty_group_limited_agm_may2005.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/2005/prelim2005.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/2004/liberty_group_limited_agm_april2004.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/2000/finresults_2000_capreduction.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/2000/finresults_2000_chairmanstatement.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/2000/finresults_2000_divdecl.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/2000/finresults_2000_finstatements.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/2000/finresults_2000_interimlibgroup.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/2000/finresults_2000_interimlibhold.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/2000/finresults_2000_reviewoperations.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/2000/finresults_2000pre_libgroup.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/2000/finresults_2000pre_libhold.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/1999/finresults_1999_prelimlib.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/1999/finresults_1999_prelimlibhold.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/1999/finresults_1999_annualreport.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/1998/finresults-1998-chairmans.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/1998/finresults-1998-corpgov.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/1998/finresults-1998-corpprofile.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/1998/finresults-1998-finstatefit.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/1998/finresults-1998-finstatehold.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/1998/finresults-1998-finstatelib.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/1998/finresults-1998-finstatelibsil.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/1998/finresults-1998-foundation.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/1998/finresults-1998-glossary.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/1998/finresults-1998-grpstruct.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/1998/finresults-1998-highlights.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/1998/finresults-1998-notice.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/1998/finresults-1998-objectives.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/1998/finresults-1998-operations.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/1998/finresults-1998-princsubs.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/1998/finresults-1998-shareanalyses.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/1998/finresults-1998-tributedg.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/2008/20090226_sens_liberty_holdings_limited_annual_results_presentaion.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/2008/liberty_holdings_2008_annual_results_appendices.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/interim-results/2008/20080806-sens-interim-results.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/interim-results/2008/2008-liberty-interim-results-analysts-booklet.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/interim-results/2008/2008-liberty-interim-results-appendices.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/interim-results/2008/2008-liberty-interim-results-presentation.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/other-presentations/2009/20090515-libertyholdings-overview-of-operations-transcript.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/other-presentations/2008/2008-analyst-day-capital-management.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/other-presentations/2008/2008-analyst-day-conculsion.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/other-presentations/2008/2008-analyst-day-full-presentation.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/other-presentations/2008/2008-analyst-day-introduction.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/other-presentations/2008/2008-analyst-day-liberty-africa.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/other-presentations/2008/2008-analyst-day-liberty-properties.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/other-presentations/2008/2008-analyst-day-libertyhealth.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/other-presentations/2008/2008-analyst-day-libfin.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/other-presentations/2008/2008-analyst-day-life-insurance.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/other-presentations/2008/2008-analyst-day-marketing.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/other-presentations/2008/2008-analyst-day-stanlib.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/other-presentations/2007/2007-interim-report.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/other-presentations/2007/oct2007-ubs-savings-utopia.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/other-presentations/2008/200810-ubs-conference-presentation.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/other-presentations/2006/interim-results-web-2006.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/other-presentations/2006/liberty-2006-audited-results-pres.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/analyst-booklet/liberty-holdings-2008-annual-results-analyst-booklet.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/financial-results/2003_Liberty_Holdings_Limited.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/financial-results/20070814_LibertyHoldingsBooklet.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/financial-results/20080228_sens_liberty_holdings_annual_results.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/financial-results/31122007_libertyholdingsannualresults.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/financial-results/annual_report_libertyholdings.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/financial-results/LH.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/financial-results/Lib_Hold_05_eng.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/financial-results/liberty_holding_interim_06.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/financial-results/liberty_holdings_afs.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/financial-results/Liberty_Holdings_AR2005.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/financial-results/liberty_Holdings_Booklet.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/financial-results/liberty_holdings_preliminary_06.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/announcement-archives/20080314_sens_libhold_declaration_final_cash_dividend.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/announcement-archives/20080630_Circular.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/announcement-archives/20080630_FinalOffer.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/announcement-archives/20080729_tradingstatement.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/announcement-archives/20080926_circular_liberty.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/announcement-archives/20080926_circular_libhold.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/announcement-archives/20080926_sens_further_details_restructure.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/announcement-archives/220708_sens.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/announcement-archives/liberty_Holdings_Booklet.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/announcement-archives/trading_update_140508.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/other-presentations/2009/ubs-conference.pdf</loc><lastmod>2009-10-29</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/2009/20081231-report-of-the-statutory-actuary.pdf</loc><lastmod>2010-04-09</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/other-presentations/2010/20100419-liberty-financial-solutions-presentation.pdf</loc><lastmod>2010-10-07</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/other-presentations/2010/20100629-csss-consumer-conference.pdf</loc><lastmod>2010-10-07</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/other-presentations/2010/201010-nedbank-african-investment-conference-liberty-africa.pdf</loc><lastmod>2010-10-07</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/annual-report/2009/20091231-report-of-the-statutory-actuary.pdf</loc><lastmod>2010-10-11</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/other-presentations/2010/20101021-ubs-conference-thabo-dloti-investments-and-group-businesses.pdf</loc><lastmod>2010-11-02</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/other-presentations/2011/201103-deutshe-bank-presentation.pdf</loc><lastmod>2011-03-25</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/other-presentations/2011/20111026-usb-financial-services-conference.pdf</loc><lastmod>2011-10-27</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/financial-reports-and-presentations/Documents/other-presentations/2011/20111125-confidential-libfin-review-analyst-day.pdf</loc><lastmod>2011-12-06</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/more-about-liberty/Pages/more-about-liberty.aspx</loc><lastmod>2012-02-13</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/more-about-liberty/Pages/group-executive-committee.aspx</loc><lastmod>2012-02-17</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/more-about-liberty/Pages/directors.aspx</loc><lastmod>2012-02-13</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/more-about-liberty/Pages/bee-and-the-fsc.aspx</loc><lastmod>2012-02-13</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/more-about-liberty/Pages/corporate-governance.aspx</loc><lastmod>2012-02-13</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/more-about-liberty/Pages/CRISA-sustainable-investing.aspx</loc><lastmod>2012-02-13</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/more-about-liberty/Pages/CRISA-questions-and-answers.aspx</loc><lastmod>2012-02-13</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/more-about-liberty/Documents/2008-corporate-governance-report.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/more-about-liberty/Documents/bee-and-the-fsc/charter.pdf</loc><lastmod>2009-08-20</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/more-about-liberty/Documents/20091231-corporate-governance-report.pdf</loc><lastmod>2010-04-15</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/more-about-liberty/Documents/bee-and-the-fsc/20100802-bbbee-certificate-2.pdf</loc><lastmod>2010-08-02</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/more-about-liberty/Documents/bee-and-the-fsc/20100802-bbbee-certificate-1.pdf</loc><lastmod>2010-08-02</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/more-about-liberty/Documents/bee-and-the-fsc/bbbee-certificate-3.pdf</loc><lastmod>2011-08-03</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/more-about-liberty/Documents/201108-governance-and-communcation-liberty-holdings-relationship-with-standard-bank.pdf</loc><lastmod>2011-08-04</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Pages/sens-releases.aspx</loc><lastmod>2012-02-13</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Pages/sens-releases-archives.aspx</loc><lastmod>2012-02-13</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Pages/sens-announcement-30-november2007.aspx</loc><lastmod>2010-08-12</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2006/01092006_sens_increase_issued_share_capital.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2006/02062006_sens_directors_dealings_securities.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2006/02062006_sens_increase_issued_share_capital.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2006/03112006_sens_increase_issued_share_capital.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2006/04122006_sens_increase_issued_share_capital.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2006/06102006_sens_increase_issued_share_capital.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2006/06122006_sens_acquisition_remaining_stanlib.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2006/07092006_appointment_of_nonexecutive_director.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2006/10052006_sens_increase_issued_share_capital.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2006/10082006_sens_unaudited_interim_results.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2006/15012006_sens_change_in_directorate.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2006/19022006_sens_trading_statement.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2006/20102006_sens_ubs_conference.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2006/22052006_sens_annual_general_meeting.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2006/27112006_sens_cautionary_announcement.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2006/28072006_sens_trading_statement.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2006/29012006_sens_result_of_general_meeting_afr.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2006/29012006_sens_result_of_general_meeting_eng.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2006/29112006_sens_trading_update.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2007/02012007_circular_to_shareholders.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2007/02032007_sens_direcors_dealings_rex_tomlinson.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2007/02032007_sens_directors_dealings_bruce_hemphill.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2007/08062007_sens_appointment_director.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2007/20032007_sens_dealings_company_secretary_dumisani_mtshali.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2007/20070330_sens_conditions_met_stanlib.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2007/20070330_sens_lgl_no_change_notice.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2007/20070330_sens_lhl_no_change_notice.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2007/20070522_sens_conference_call_analysts_investors.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2007/20070524_sens_trading_overview.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2007/20070726_sens_trading_statement.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2007/20070730_sens_interim_results_presentation.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2007/20070808_sens_unaudited_interim_results.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2007/20070907_sens_capital_reduction.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2007/20071128_sens_conference_call_analysts_investors.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2007/20071130_chairman_change.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2007/20071130_trading_update_board_approved.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2007/20071218_sens_reirement_of_a_director.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2008/20080228-sens-2007-annual-results.pdf</loc><lastmod>2009-09-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2008/20080301-sens-capital-reduction.pdf</loc><lastmod>2009-09-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2008/20080331-Posting-Of-Liberty-Holdings-Annual-Report-and-Details.pdf</loc><lastmod>2009-09-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2008/20080512_sens_conference_call.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2008/20080514_sens_overview_of_trading.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2008/20080514_sens_results_of_agm.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2008/20080602_sens_changes_to_lgl_board.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2008/20080626_sens_change_in_company_secretary.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2008/20080729_sens_trading_statement.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2008/20080730_sens_interim_results_presentation.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2008/20080806_sens_interim_results.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2008/20080904-sens-joint-announcement.pdf</loc><lastmod>2009-09-05</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2008/20080926_circular_liberty.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2008/20080926_circular_libhold.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2008/20080926_sens_further_details_restructure.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2008/20081021_sens_results_of_libhold_extraordinary_egm_and_liberty_scheme_meeting.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2008/20081118_Conference_call_for_analysts_and_investors.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2008/20081120_Liberty_Group_Overview_of_trading_for_the_nine_months_ended_30_September.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2008/20081202_Reconstitution_of_the_Board_of_Directors_of_Libhold.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2008/200814_sens_presentation_at_ubs_11th_annual_financial_services_conference.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2009/20090115-sens-appointment-of-directors.pdf</loc><lastmod>2009-08-31</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2009/20090213-sens-liberty-holdings-limited-trading-statement.pdf</loc><lastmod>2009-08-31</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2009/20090226-sens-liberty-holdings-limited-annual-results-presentaion.pdf</loc><lastmod>2009-08-31</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2009/20090331-sens-liberty-group-annual-report.pdf</loc><lastmod>2009-08-31</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2009/20090508-sens-liberty-holdings-1Q10-operationg-update.pdf</loc><lastmod>2009-08-31</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2009/20090515-press-liberty-reports-on-first-quarter.pdf</loc><lastmod>2009-08-31</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2009/20090515-sens-liberty-holdings-overview-of-operations.pdf</loc><lastmod>2009-08-31</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2009/20090629-sens-liberty-holdings-appointment-of-financial-director.pdf</loc><lastmod>2009-08-31</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2008/20081113_sens.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2008/200810_ubs_conference_presentation.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2008/20080331_sens_liberty_group_annual_report.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2007/02032007_sens.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2007/19022006_sens_trading_statement.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2007/15012006_sens_change_in_directorate.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2007/29012006_sens_result_of_general_meeting_afr.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2007/29012006_sens_result_of_general_meeting_eng.pdf</loc><lastmod>2009-08-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2009/20090730-policyholder-comment.pdf</loc><lastmod>2009-09-05</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2009/20090730-sens-liberty-holdings-traiding-statement-of-the-jse-listings.pdf</loc><lastmod>2009-09-05</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2009/20090806-sens-liberty-holdings-unaudited-interim-results.pdf</loc><lastmod>2009-09-05</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2009/20090915-sens-libhold-appointment-of-director.pdf</loc><lastmod>2009-11-18</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2009/20091118-liberty-holdings-3Q09-operating-update.pdf</loc><lastmod>2009-11-18</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2009/20091127-sens-liberty-holdings-overview-of-trading.pdf</loc><lastmod>2009-11-27</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2009/20091203-sens-liberty-holdings-terms-announcement.pdf</loc><lastmod>2009-12-03</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2009/20091210-liberty-holdings-change-in-directorate.pdf</loc><lastmod>2009-12-10</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2009/20091215-sens-liberty-holdings-announcement.pdf</loc><lastmod>2009-12-15</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2009/20100217-trading-statement.pdf</loc><lastmod>2010-02-17</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2010/20100217-trading-statement.pdf</loc><lastmod>2010-02-17</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2010/20100225-liberty-holdings-limited-financial-results.pdf</loc><lastmod>2010-02-25</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2010/20100331-details-of-annual-general-meeting.pdf</loc><lastmod>2010-03-31</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2010/20100416-liberty-holdings-financial-solutions-presentation.pdf</loc><lastmod>2010-04-16</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2010/20100513-overview-of-trading-for-the-three-months.pdf</loc><lastmod>2010-05-13</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2010/20100513-trading-statement-in-terms-of-paragraph-3.4.pdf</loc><lastmod>2010-05-13</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2010/20100514-changes-in-directorate.pdf</loc><lastmod>2010-05-14</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2010/20100514-results-of-annual-general-meeting.pdf</loc><lastmod>2010-05-14</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2010/20100630-liberty-holdings-changes-in-directorate.pdf</loc><lastmod>2010-07-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2010/20100526-directors-dealings-in-securities.pdf</loc><lastmod>2010-07-27</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2010/20100304-directors-dealings-in-securities.pdf</loc><lastmod>2010-07-27</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2010/20100421-directors-dealings-in-securities.pdf</loc><lastmod>2010-07-27</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2009/20090515-directors-dealings-in-securities.pdf</loc><lastmod>2010-07-27</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2009/20090528-directors-dealings-in-securities.pdf</loc><lastmod>2010-07-27</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2008/20080716-share-dealings-by-director-of-a-major-subsidiary-company.pdf</loc><lastmod>2010-07-27</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2010/20100727-liberty-holdings--trading-statement.pdf</loc><lastmod>2010-07-27</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2010/20100805-liberty-holdings-interim-results.pdf</loc><lastmod>2010-08-05</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2010/20100914-liberty-holdings-changes-in-directorate.pdf</loc><lastmod>2010-09-14</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2010/20101126-liberty-holdings-trading-statement.pdf</loc><lastmod>2010-11-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2011/20110216-liberty-holdings-trading-statement.pdf</loc><lastmod>2011-02-16</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2011/20110224-liberty-holdings-financial-results.pdf</loc><lastmod>2011-02-24</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2011/20110420-liberty-holdings-finalization-of-the-acquisition.pdf</loc><lastmod>2011-04-20</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2011/20110513-liberty-holdings-overview-of-trading.pdf</loc><lastmod>2011-05-13</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2011/20110804-liberty-holdings-interim-financial-results.pdf</loc><lastmod>2011-08-04</lastmod></url><url><loc>http://www.libertyholdings.co.za/investor-relations/sens-releases/Documents/2011/20111125-liberty-holdings-operational-update.pdf</loc><lastmod>2011-11-25</lastmod></url><url><loc>http://www.libertyholdings.co.za/News/Pages/Default.aspx</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/News/Pages/Article1.aspx</loc><lastmod>2009-07-16</lastmod></url><url><loc>http://www.libertyholdings.co.za/News/Pages/newsarchive.aspx</loc><lastmod>2009-07-16</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Pages/news-centre.aspx</loc><lastmod>2011-08-08</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Pages/press-releases.aspx</loc><lastmod>2011-08-04</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Pages/archives.aspx</loc><lastmod>2011-02-02</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Pages/news-archives.aspx</loc><lastmod>2011-02-25</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Pages/liberty-in-the-news.aspx</loc><lastmod>2011-02-25</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-releases/20090120-press-liberty-stregnthens-its-board.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-releases/20090226-press-liberty-announces-year-end-2008-results.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-releases/20090226-press-liberty-midlands-mall-stayeasy-hotel.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-releases/20090302-press-liberty-proceeds-with-r300m-investment-in-mitchells-plain-retail-expansion-project.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-releases/20090515-press-liberty-reports-on-first-quarter.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/01022007-stanlib-article-raging-bull-awards.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/02032007-press-release-liberty-group-record-earnings.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/06122006-press-release-liberty-plans-to-buy-stanlib.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/07092006-press-release-appointment-of-non-executive-director.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/12092006-press-release-reflighting-brett-goldin-adverts.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20060324-press-doing-the-right-thing.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20060324-press-excelsior1000-savings-plan.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20060324-press-liberty-tells-it-straight.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20060324-press-simple-and-transparent.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20070223-press-skills-development-path.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20070226-press-healthy-pregnancy.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20070227-press-cover-crime-victims.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20070303-press-hands-on.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20070320-press-affordable-medical-cover.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20070330-press-jseliberty-investment-challenge.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20070502-press-learnership-programme.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20070517-press-business-assurance-non-negotiable.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20070524-press-liberty-heats-up-kzn.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20070808-press-liberty-announces-new-team-for-rest-of-africa.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20070808-press-liberty-delivers-strong-interim-results.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20070925-press-lms-highlights-role-fa.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20071204-press-liberty-to-open-kzn-hub.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20080101-liberty-life-fraud-fighters-alert-firms-to-great-payslip-slip-up.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20080130-liberty-gongs-out-shaun-pollock.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20080131-press-stanlib-raging-bull-awards.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20080201-press-challenge-your-adviser.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20080201-press-dead-man-walking-a-growing-challenge-in-sa.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20080205-press-women-screen-growing-cancer-risk.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20080214-press-cancer-awareness-benefits-close-shave.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20080226-press-kulula-to-extend-financial-services-offering.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20080226-press-liberty-life’s-mindset-innovation-wins-global-recognition.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20080228-press-libertys-transformation-delivers-strong-earnings.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20080301-press-insurance-gap-adds-urgency-industry-transformation.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20080317-press-you-need-expert-help-to-close-insurance-gap.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20080407-press-delaying-marriage-delaying-children.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20080407-press-you-can-insure-against-divorce.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20080421-liberty-life-has-good-news-sa-saving-products-demand.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20080423-press-living-together-until-death-do-you-part.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20080527-press-std-intends-acquiring-remaining-shares-libhold.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20080619-press-liberty-gets-personal-with-crime-risk-open-day.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20080701-liberty-financial-advisers-make-a-difference.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20080708-press-liberty-health-medical-scheme-achieves-a+-credit-rating.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20080709-press-liberty-life-enters-swazi-insurance-market.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20080721-press-liberty-health-promotes-good-health-for-members-and-their-world.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20080806-press-libertys-growth-strategy-on-track.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20080904-press-liberty-restructures-for-growth.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20080926-press-lms-again-offers-value-for-money.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20081001-press-liberty-calles-on-financial-services-to-cut-carbon-emissions-together.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20081001-press-liberty-life-alerts-consumers-to-the-increased-risk-of-identity-theft.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20081002-press-liberty-buys-full-ownership-nelson-mandela-square.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20081008-press-a-buzz-on-the-call-centre-as-award-nominations-come-in.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20081103-press-be-your-own-risk-assessor.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20081103-press-liberty-contact-centre-rings-up-the-award-sucesses.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20081107-press-dramatic-reform-but-no-big-bang.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20081113-press-downturn-driving-up-pension-leakage.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20081113-press-insurance-pitfalls-to-avoid.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20081120-press-strategies-to-diversify-liberty-group-continue-2.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20081126-press-industry-outlook-2009.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/24012007-liberty-life-joint-venture.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/24082006-press-release-athletics-sponsorship-announcement.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/29012007-press-release-result-of-general-meeting.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/press-release-liberty-life-breaks-guiness-world-record-20032007.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/11122006-press-release-transfer-of-ieb-business.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20081006-press-dread-disease-risk-cover-should-assist-with-lifestyle-changes.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/pr-180603.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-releases/20090714-press-liberty-holdings-launches-premium-international-health-insurance-product-in-nigeria.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-releases/200901-press-dread-mounts-as-economy-stalls-but-insurance-can-help.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-releases/200901-press-liberty-health-appoints-new-medical-director.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-releases/200902-press-advisers-have-role-helping-divorcees.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-releases/200902-press-consider-all-options-when-reviewing-disability-cover.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-releases/200902-press-definitions-and-needs-drive-disability-selling.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-releases/200902-press-make-good-choices-and-you-can-beat-cancer.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-releases/200902-press-pension-limbo-an-opportunity-for-advisers.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-releases/200902-press-right-fit-trend-key-in-tighter-market.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-releases/200903-press-liberty-proceeds-with-r300m-investment-in-mitchell’s-plain-retail-expansion-project.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-releases/200903-press-time-to-help-voiceless-fund-claimants.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-releases/20090330-press-partnership-with-total-health-trust-accelerates-liberty-health’s-west-african-growth-strategy.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20080325-press-live-the-south-african-dream.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-archives/20030315-press-future-y.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-releases/20090826-liberty-employees-rate-their-company-number-one.pdf</loc><lastmod>2009-09-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-releases/20090827-tendani-keeps-a-close-eye-on-the-economy-for-her-clients.pdf</loc><lastmod>2009-09-05</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-releases/20090831-financial-whizz-kids-win-jse-challenge.pdf</loc><lastmod>2009-09-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-releases/20090901-make-money-plans.pdf</loc><lastmod>2009-09-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-releases/20090806-press-earnings-down-interim-distribution-maintained-liberty-well-capitalised.pdf</loc><lastmod>2009-09-05</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-releases/20090914-daily-sun-health-hay-ever.pdf</loc><lastmod>2009-09-15</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-releases/20091203-press-liberty-holdings-expands-into-east-africa-through-cfcih-acquisition.pdf</loc><lastmod>2009-12-03</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-releases/20091210-press-holding-statement-thabo-dloti-appointment.pdf</loc><lastmod>2010-03-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/20070301-news-libertys-training-framework.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/20070312-news-van-schoor-aangestel.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/20070321-news-dreamscape-masterpiece.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/20070321-news-land-se-kinders.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/20070321-news-wenner-edwin-norris.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/20070401-news-children-with-big-dreams.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/20070401-news-creating-dreams.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/20070401-news-liberty-life-educator-benefit.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/20070405-news-art-fulfils-dreams.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/20070411-star-in-making.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/20070417-news-dream-comes-true.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/200704230-news-exporters-strong-euro.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/20070424-news-liberty-connection.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/20070510-news-pupils-learn-trading.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/20070522-news-insuring-childs-education.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/20070522-news-ready-for-real-world.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/20070614-news-learnerships-2008.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/20070619-news-will-up-to-date.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/20070625-news-liberty-life-gets-hands-on.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/200707020-participating-in-an-umbrella-fund.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/20070708-addressing-the-skills-shortage.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/20070801-21-best-part1.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/20070801-21-best-part2.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/20070803-news-liberty-mall-wins-property-award.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/20070806-news-database-educates-pension-fund-trustees.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/20070810-libertys-spurt-in-earnings.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/20070810-news-bullish-future.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/20070810-news-libertys-earnings-up.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/20071007-news-tip-of-the-week.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/20071009-news-save-and-win.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/20071020-news-stanlib-ends-oasis-reign.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/20071126-news-fitch-revises-lgl-outlook-positive.pdf</loc><lastmod>2009-08-30</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2008/20080229-news-mindset-channel-gets-award-for-innovative-tv.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2008/20080430-news-liberty-properties-aims-for-the-top.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2008/20080522-news-walking-the-talk.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2008/20080601-news-alberton-city-expands.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2008/20080601-news-it-all-adds-up-for-pupils-in-maths-books.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2008/20080717-news-another-pyramid-implodes.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2008/20080722-news-liberty-plans-to-reshuffle-business.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2008/20080806-news-feel-good-factor-for-liberty.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2008/20080815-news-the-great-derating-part1.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2008/20080815-news-the-great-derating-part2.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2008/20080909-news-liberty-share-swap-will-not-affect-shareholders.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2008/20080930-news-news-good-health-for-members-and-their-world.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2008/20081001-news-eastgate-gets-a-refreshing-upgrade.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2008/20081017-news-liberty-properties-will-break-ground-in-zambia.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2008/20081126-news-funds-flexibility-for-liberty.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2008/20081128-news-before-the-doors-shut.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2008/20081205-news-liberty-expands-into-africa.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2008/20081209-news-dealing-with-the-five-main-risks-in-life.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2008/20081209-news-liberty-urges-consumers-to-hold-onto-their-policies.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2008/20081228-news-tsepiso-gets-her-parents-education-wish.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20090901-gbcsa-launches-rating-tool.pdf</loc><lastmod>2009-10-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20090901-property-development.pdf</loc><lastmod>2009-10-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20090925-fragile-recovery.pdf</loc><lastmod>2009-10-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20091001-financial-series-to-help-matrics.pdf</loc><lastmod>2009-10-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20091001-new-hotel-for-2010.pdf</loc><lastmod>2009-10-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20091002-desirable-destination.pdf</loc><lastmod>2009-10-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20091003-min-in-sa-spaar-behoorlik-vir-aftrede.pdf</loc><lastmod>2009-10-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20091006-which-prices-went-up.pdf</loc><lastmod>2009-10-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20091007-teaching-matrics-about-money-matters.pdf</loc><lastmod>2009-10-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20091008-make-your-money-work-for-you-p44.pdf</loc><lastmod>2009-10-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20091008-make-your-money-work-for-you-p45.pdf</loc><lastmod>2009-10-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20091014-a-national-problem.pdf</loc><lastmod>2009-10-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20091014-overcome-financial-problems.pdf</loc><lastmod>2009-10-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20091017-business-as-usual-as-liberty-promenade-expands.pdf</loc><lastmod>2009-10-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20091101-the-fine-art-of-negotiation-p106.pdf</loc><lastmod>2009-10-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20091101-the-fine-art-of-negotiation-p107.pdf</loc><lastmod>2009-10-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20091101-the-fine-art-of-negotiation-p108.pdf</loc><lastmod>2009-10-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/news-36-rise-2nd-half-profit-for-liberty-05032007.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/news-a-slight-on-his-board-15022007.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/news-cost-control-keeps-liberty-results-strong-05032007.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/news-dream-artwork-wins-award-23022007.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/news-education-focus-for-liberty-group-11032007.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/news-first-of-it-kind-cover-for-crime-victims-27022007.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/news-insurers-take-mass-market-plunge-20022007.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/news-liberty-a-brave-face-on-it-09032007.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/news-liberty-behaal-rekordverdienste-04032007.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/news-liberty-completes-some-fancy-footwork-04022007.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/news-liberty-druk-wins-met-aanpassings-by-mark-05032007.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/news-liberty-expects-earnings-up-more-than-a-third-21022007.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/news-liberty-forecasts-huge-rise-in-earnings-20022007.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/news-liberty-life-refreshes-its-call-centre-01032007.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/news-liberty-looking-cheap-07032007.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/news-liberty-skuiwe-werp-vrugte-af-05032007.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/news-markte-help-liberty-20022007.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/news-rebuilding-trust-after-scandals-17032007.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/news-restructuring-initiatives-start-to-pay-off-for-liberty-05032007.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/news-restructuring-starts-to-pay-off-for-liberty-05032007.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/news-right-concerns-wrong-target-15022007.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/news-savings-boost-retirement-funds-tax-gets-chop-22022007.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/news-twee-seuns-help-nuwe-rekord-mosaiekwerk-23022007.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2007/news-what-price-liberty-if-life-denied-04032007.pdf</loc><lastmod>2009-08-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20090101-what-our-readers-think-about-life-insurance-and-everything-part1.pdf</loc><lastmod>2009-09-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20090101-what-our-readers-think-about-life-insurance-and-everything-part2.pdf</loc><lastmod>2009-09-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20090211-libertys-ogbu-on-sapoa-board.pdf</loc><lastmod>2009-09-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20090520-fitch-changes-outlook-on-south-africas-liberty-group.pdf</loc><lastmod>2009-09-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20090701-wealth-management.pdf</loc><lastmod>2009-09-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20090701-wealth-management-page2.pdf</loc><lastmod>2009-09-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20090728-start-saving-successfully.pdf</loc><lastmod>2009-09-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20090731-choose-benefits-that-suit-your-lifestyle.pdf</loc><lastmod>2009-09-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20090807-standard-stands-firmly-behind-liberty-bosses.pdf</loc><lastmod>2009-09-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20090820-liberty-gears-for-growth-by-nurturing-human-assets.pdf</loc><lastmod>2009-09-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20090821-protecting-future-earnings.pdf</loc><lastmod>2009-09-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20090901-gbcsa-starts-work-on-retail-tool.pdf</loc><lastmod>2009-10-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20090901-sandton-city-shopping-centre-refurbishment.pdf</loc><lastmod>2009-10-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20090901-shaping-the-future-of-marketing-in-south-africa.pdf</loc><lastmod>2009-09-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20090904-liberty-mall-easy-stay-hotel-is-well-on-2010 track.pdf</loc><lastmod>2009-10-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20090909-an-education-plan.pdf</loc><lastmod>2009-10-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20090909-construction-almost-complete.pdf</loc><lastmod>2009-10-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20090909-money-advice-1.pdf</loc><lastmod>2009-09-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20090909-money-advice-2.pdf</loc><lastmod>2009-09-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20090911-exile-on-main-street.pdf</loc><lastmod>2009-10-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20090914-sniffing-and-sneezing.pdf</loc><lastmod>2009-10-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20090916-peter-van-kets.pdf</loc><lastmod>2009-09-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20090916-plan-your-financial-life-p46.pdf</loc><lastmod>2009-09-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20090916-plan-your-financial-life-p47.pdf</loc><lastmod>2009-09-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20090916-proposed-liberty-healthmedicover-merger.pdf</loc><lastmod>2009-09-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20090916-rope-of-hope-campaign.pdf</loc><lastmod>2009-09-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20090917-your-rights-to-his-pension.pdf</loc><lastmod>2009-09-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20090918-sandton-city-grows-by-nght.pdf</loc><lastmod>2009-09-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20090919-atlantic-row-boat-christened.pdf</loc><lastmod>2009-10-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20090919-peter-van-kets.pdf</loc><lastmod>2009-09-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20090922-for-your-protection.pdf</loc><lastmod>2009-10-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20090922-happy-sixth-birthday-mall.pdf</loc><lastmod>2009-10-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20090922-staring-down-rate-barrel.pdf</loc><lastmod>2009-09-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20091001-life-stage-planning.pdf</loc><lastmod>2010-01-06</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20091001-true-professional-put-clients-first.pdf</loc><lastmod>2010-01-06</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20091004-transcript-howard-fox.pdf</loc><lastmod>2009-10-07</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20091116-know-what-insurance-you-are-buying.pdf</loc><lastmod>2010-01-06</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20091119-mortgage-lending-lag-other-loans-for-first-time.pdf</loc><lastmod>2010-01-06</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20091126-remember-that-prices-go-up.pdf</loc><lastmod>2009-12-02</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20091127-size-counts.pdf</loc><lastmod>2009-12-02</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20091130-liberty-reports-profit-for-third-quarter.pdf</loc><lastmod>2010-01-06</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20091201-curb-holdiay-spending.pdf</loc><lastmod>2010-01-06</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20091201-nyamezela-designed-for-the-long-haul-p47.pdf</loc><lastmod>2010-01-06</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20091201-nyamezela-designed-for-the-long-haul-p48.pdf</loc><lastmod>2010-01-06</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20091203-mothupi-leads-fight-against-hiv-and-aids.pdf</loc><lastmod>2010-01-06</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20091204-libertys-africa-foray-gets-boost-in-kenya.pdf</loc><lastmod>2010-01-06</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20091210-structural-changes-for-improved-delivery.pdf</loc><lastmod>2009-12-14</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2009/20091218-liberty-free-hiv-testing-at-the-mall.pdf</loc><lastmod>2010-01-06</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100101-industry-outlook-p1.pdf</loc><lastmod>2010-01-06</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100101-industry-outlook-p2.pdf</loc><lastmod>2010-01-06</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100113-mall-bolsters-capital-citys-growth.pdf</loc><lastmod>2010-01-14</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-releases/20100122-press-media-release-bobby-malabie.pdf</loc><lastmod>2010-01-22</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-releases/20100225-press-liberty-holdings-announces-year-end-profit.pdf</loc><lastmod>2010-02-25</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100101-news-liberty-rower-to-transverse-atlantic-alone.pdf</loc><lastmod>2010-03-08</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100106-news-south-africas-economy.pdf</loc><lastmod>2010-03-08</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100113-news-mall-bolsters-capital-citys-growth.pdf</loc><lastmod>2010-03-08</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100120-news-retirement-is-closer-than-you-think-p44.pdf</loc><lastmod>2010-03-08</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100120-news-retirement-is-closer-than-you-think-p45.pdf</loc><lastmod>2010-03-08</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100123-news-n-gemaklike-aftrede-begin-lank-voor-jy-aftree.pdf</loc><lastmod>2010-03-08</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100129-news-stanlib-wins-7-raging-bulls-awards.pdf</loc><lastmod>2010-03-08</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100130-news-shorter-dated-bonds-give-stanlib-fund-the-edge.pdf</loc><lastmod>2010-03-08</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100130-news-stanlib-is-top-offshore-manager.pdf</loc><lastmod>2010-03-08</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100131-a-comfortable-retirement-starts-long-before-retiring.pdf</loc><lastmod>2010-03-08</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100131-quotes-to-note.pdf</loc><lastmod>2010-03-08</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100131-successful-traits-and-the-future-in-the-employee-benefits-market.pdf</loc><lastmod>2010-03-08</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100201-news-grow-your-money-grow-your-life.pdf</loc><lastmod>2010-03-08</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100305-news-renewed-purpose.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100204-news-stanlib-strengthens-its-team-of-investment-executives.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100206-news-stanlib-fonds-bou-voort-op-sukses-met-top-toekennings.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100209-news-as-breadwinner-you-must-be-ready-to-cope-with-a-crisis.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100210-news-know-your-rights-about-insurance.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100219-news-keep-your-cash-safe.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100228-news-liberty-nog-nie-bevry-van-al-die-skadus.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100228-news-seven-awards-for-stanlib.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100228-news-what-a-basic-employee-benefits-package-comprises.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100304-news-beacon-of-hope-starting-to-shine-for-france.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100501-news-do-not-underestimate-the-value.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100514-news-hotel-completed-ahead-of-schedule.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100518-news-save-now-for-xmas.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100521-news-more-construction.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100527-news-how-will-a-15-percent-salary-hike-affect-sa-economy.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100528-news-miles-for-smiles.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100531-news-a-day-to-quit-the-habit.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100601-news-contributors-erica-stuart.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100601-news-future-focus.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100601-news-save-or-splurge.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100602-news-liberate-yourself.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100622-news-ster-kinekor-is-coming-to-liberty-promenade.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-releases/20100805-liberty-holdings-announces-interim-results.pdf</loc><lastmod>2010-08-05</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100329-news-the-importance-of-benefits-in-a-downturn.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100418-news-theres-still-gold-in-them-thar-pension-surplus-hills.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100705-news-fight-colds-and-flu-smartly.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100709-news-conference-draws-top-speakers.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100709-news-ignore-africa-at-your-peril-business-told.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100718-news-trying-to-turn-pension-into-a-pot-of-gold.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100729-news-retirement-fund-tips.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100328-news-small-change.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100331-news-libhold-improving-and-now-looking-attractive.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100716-news-drop-in-shopping-forecast.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100716-news-liberty-empowering-a-nation.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100228-news-medical-costs-may-well-be-unaffordable-during-retirement.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100311-news-test-your-financial-nous-in-jse-trading-game.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100316-news-meet-the-face-of-liberty-life.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100323-news-how-to-grow-your-money.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100329-news-be-smart-this-easter.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100401-news-seven-secrets-of-investment-success.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100601-news-interview-with-tendandi-mtshali.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100601-news-mentoring-moment-cassim-ebrahim-sujee.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100715-news-consolidation-is-crucial-for-survival.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100806-news-moue-oprol-bevry-liberty-van.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20101001-news-cansa-thanks-sandton-city-for-donation.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20101001-news-fonds-moet-r13,5m-uitbetaal.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20101001-news-protecting-your-health.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20101004-news-liberty-corporate-names-ceo.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20101007-news-mettler-questions-mall-families-rights-to-payouts.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100806-news-insurer-returns-to-first-half-profit.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100806-news-liberty-is-weer-op-koers.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100806-news-liberty-on-growth-path.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20100806-news-liberty-swings-back-to-profit.pdf</loc><lastmod>2010-11-01</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20101026-news-dont-be-fooled.pdf</loc><lastmod>2010-11-02</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20101011-news-talle-fondse-gaan-in-die-slag-bly.pdf</loc><lastmod>2010-11-02</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20101019-news-a-good-adviser-a-smart-move.pdf</loc><lastmod>2010-11-02</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20101020-news-are-you-becoming-a-cybercondriac.pdf</loc><lastmod>2010-11-02</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20101020-news-big-steps-for-mall.pdf</loc><lastmod>2010-11-02</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20101024-news-diabetes-the-unexpected-epidemic.pdf</loc><lastmod>2010-11-02</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20101024-news-the-new-sapoa-president-focussed-and-passionate.pdf</loc><lastmod>2010-11-02</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2010/20101026-news-clear-cut-duty-is-complex.pdf</loc><lastmod>2010-11-02</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-releases/20101014-press-medical-scheme-announces-2011-rates.pdf</loc><lastmod>2011-02-02</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-releases/20100827-press-liberty-ranked-number-one.pdf</loc><lastmod>2011-02-02</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-releases/20100907-press-eductaion-starts-from-the-inside.pdf</loc><lastmod>2011-02-02</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-releases/20100914-press-eastgate-opens-a-new-fashion-hub.pdf</loc><lastmod>2011-02-02</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-releases/20100920-press-disabled-swimmers-excel-at-liberty.pdf</loc><lastmod>2011-02-02</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-releases/20100923-press-teacher-on-a-mission-to-make-a-difference.pdf</loc><lastmod>2011-02-02</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-releases/20101001-press-seelan-gobalsamy-to-head-up-liberty-corporate.pdf</loc><lastmod>2011-02-02</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-releases/20110207-press-liberty-health-responds-to-recent-media-coverage.pdf</loc><lastmod>2011-02-07</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2011/20110225_news_ companies.pdf</loc><lastmod>2011-02-25</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2011/20110225_news_ liberty_recovery_cheers_investors.pdf</loc><lastmod>2011-02-25</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2011/20110225_news_insurer_now_ favours_quality_over_volume.pdf</loc><lastmod>2011-02-25</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2011/20110225_news_liberty_recovery_puts_2009_in_the_past.pdf</loc><lastmod>2011-02-25</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2011/20110225_news_liberty_se_nuwe_aanslag_sorg_vir_goeie_resultate.pdf</loc><lastmod>2011-02-25</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2011/20110225_news_liberty_to_scrutinise_brokers.pdf</loc><lastmod>2011-02-25</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2011/20110225_news_results_bring_cheerful_mood.pdf</loc><lastmod>2011-02-25</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/news/2011/20110225_news_slowdown_in_policy_lapses_boosts_liberty.pdf</loc><lastmod>2011-02-25</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-releases/20110610-press-liberty-wins-top-honours-at-the-annaul-fia-awards.pdf</loc><lastmod>2011-06-10</lastmod></url><url><loc>http://www.libertyholdings.co.za/news-centre/Documents/press-releases/20110804-press-release-nterim-results.pdf</loc><lastmod>2011-08-04</lastmod></url><url><loc>http://www.libertyholdings.co.za/Reports/Pages/default.aspx</loc><lastmod>2009-07-16</lastmod></url><url><loc>http://www.libertyholdings.co.za/retirement-governance/Pages/contact-the-trustees.aspx</loc><lastmod>2011-04-13</lastmod></url><url><loc>http://www.libertyholdings.co.za/retirement-governance/Pages/retirement-governance.aspx</loc><lastmod>2011-10-11</lastmod></url><url><loc>http://www.libertyholdings.co.za/retirement-governance/Pages/investment-policy-statements.aspx</loc><lastmod>2010-08-12</lastmod></url><url><loc>http://www.libertyholdings.co.za/retirement-governance/Pages/contact-details.aspx</loc><lastmod>2010-08-12</lastmod></url><url><loc>http://www.libertyholdings.co.za/retirement-governance/Documents/provident-preserver-investment-policy-statement.pdf</loc><lastmod>2011-10-04</lastmod></url><url><loc>http://www.libertyholdings.co.za/retirement-governance/Documents/ra-investment-policy-statement.pdf</loc><lastmod>2011-10-04</lastmod></url><url><loc>http://www.libertyholdings.co.za/retirement-governance/Documents/pension-preserver-investment-policy-statement.pdf</loc><lastmod>2011-10-04</lastmod></url><url><loc>http://www.libertyholdings.co.za/retirement-governance/lifestyle-retirement-funds/Pages/lifestyle-retirement-funds.aspx</loc><lastmod>2011-10-10</lastmod></url><url><loc>http://www.libertyholdings.co.za/retirement-governance/lifestyle-retirement-funds/Pages/fund-rules-and-confirmation-of-registration.aspx</loc><lastmod>2011-05-24</lastmod></url><url><loc>http://www.libertyholdings.co.za/retirement-governance/lifestyle-retirement-funds/Pages/fund-administrator(Sponsor).aspx</loc><lastmod>2010-08-12</lastmod></url><url><loc>http://www.libertyholdings.co.za/retirement-governance/lifestyle-retirement-funds/Pages/how-the-funds-are-governed.aspx</loc><lastmod>2010-08-12</lastmod></url><url><loc>http://www.libertyholdings.co.za/retirement-governance/lifestyle-retirement-funds/Pages/role-of-the-trustees.aspx</loc><lastmod>2010-08-12</lastmod></url><url><loc>http://www.libertyholdings.co.za/retirement-governance/lifestyle-retirement-funds/Pages/board-committees.aspx</loc><lastmod>2012-01-20</lastmod></url><url><loc>http://www.libertyholdings.co.za/retirement-governance/lifestyle-retirement-funds/Pages/questions-about-your-policies.aspx</loc><lastmod>2011-04-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/retirement-governance/lifestyle-retirement-funds/Pages/how-the-funds-are-managed.aspx</loc><lastmod>2010-08-12</lastmod></url><url><loc>http://www.libertyholdings.co.za/retirement-governance/lifestyle-retirement-funds/Pages/current-trustees.aspx</loc><lastmod>2011-04-15</lastmod></url><url><loc>http://www.libertyholdings.co.za/retirement-governance/lifestyle-retirement-funds/Pages/fund-financial-statements.aspx</loc><lastmod>2011-10-10</lastmod></url><url><loc>http://www.libertyholdings.co.za/retirement-governance/lifestyle-retirement-funds/Documents/legal-subcommittee-charter.pdf</loc><lastmod>2012-01-20</lastmod></url><url><loc>http://www.libertyholdings.co.za/retirement-governance/lifestyle-retirement-funds/Documents/fund-rules/pension-preserver-rule-amendment.pdf</loc><lastmod>2011-10-04</lastmod></url><url><loc>http://www.libertyholdings.co.za/retirement-governance/lifestyle-retirement-funds/Documents/fund-rules/pension-preserver-rules-changes.pdf</loc><lastmod>2011-10-04</lastmod></url><url><loc>http://www.libertyholdings.co.za/retirement-governance/lifestyle-retirement-funds/Documents/fund-rules/pension-presever-rules.pdf</loc><lastmod>2011-10-04</lastmod></url><url><loc>http://www.libertyholdings.co.za/retirement-governance/lifestyle-retirement-funds/Documents/fund-rules/provident-preserver-rule-amendment-2.pdf</loc><lastmod>2011-10-04</lastmod></url><url><loc>http://www.libertyholdings.co.za/retirement-governance/lifestyle-retirement-funds/Documents/fund-rules/provident-preserver-rule-amendment.pdf</loc><lastmod>2011-10-04</lastmod></url><url><loc>http://www.libertyholdings.co.za/retirement-governance/lifestyle-retirement-funds/Documents/fund-rules/provident-preserver-rules.pdf</loc><lastmod>2011-10-04</lastmod></url><url><loc>http://www.libertyholdings.co.za/retirement-governance/lifestyle-retirement-funds/Documents/fund-rules/ra-revised-rules.pdf</loc><lastmod>2011-10-04</lastmod></url><url><loc>http://www.libertyholdings.co.za/retirement-governance/lifestyle-retirement-funds/Documents/fund-rules/letter-confirming-registration-annuity-fund .pdf</loc><lastmod>2011-10-04</lastmod></url><url><loc>http://www.libertyholdings.co.za/retirement-governance/lifestyle-retirement-funds/Documents/fund-rules/letter-confirming-registration-pension-plan.pdf</loc><lastmod>2011-10-04</lastmod></url><url><loc>http://www.libertyholdings.co.za/retirement-governance/lifestyle-retirement-funds/Documents/fund-rules/letter-confirming-registration-provident-plan.pdf</loc><lastmod>2011-10-04</lastmod></url><url><loc>http://www.libertyholdings.co.za/retirement-governance/lifestyle-retirement-funds/Documents/fund-rules/pension-preserver-rule-amendment2.pdf</loc><lastmod>2011-10-04</lastmod></url><url><loc>http://www.libertyholdings.co.za/retirement-governance/lifestyle-retirement-funds/Documents/fund-rules/provident-preserver-rule-amendment2.pdf</loc><lastmod>2011-10-04</lastmod></url><url><loc>http://www.libertyholdings.co.za/retirement-governance/lifestyle-retirement-funds/Documents/fund-rules/ra-revised-rule-amendment.pdf</loc><lastmod>2011-10-04</lastmod></url><url><loc>http://www.libertyholdings.co.za/retirement-governance/lifestyle-retirement-funds/Documents/administration-sub-committee-charter.pdf</loc><lastmod>2012-01-20</lastmod></url><url><loc>http://www.libertyholdings.co.za/retirement-governance/lifestyle-retirement-funds/Documents/audit-and-risk-sub-committee-charter.pdf</loc><lastmod>2012-01-20</lastmod></url><url><loc>http://www.libertyholdings.co.za/retirement-governance/lifestyle-retirement-funds/Documents/communication-sub-committee-charter.pdf</loc><lastmod>2012-01-20</lastmod></url><url><loc>http://www.libertyholdings.co.za/retirement-governance/lifestyle-retirement-funds/Documents/investment-sub-com-mandate.pdf</loc><lastmod>2012-01-20</lastmod></url><url><loc>http://www.libertyholdings.co.za/SiteDirectory/Pages/category.aspx</loc><lastmod>2009-07-16</lastmod></url><url><loc>http://www.libertyholdings.co.za/SiteDirectory/Pages/sitemap.aspx</loc><lastmod>2009-07-16</lastmod></url><url><loc>http://www.libertyholdings.co.za/SiteDirectory/Pages/categoryresults.aspx</loc><lastmod>2009-07-16</lastmod></url><url><loc>http://www.libertyholdings.co.za/SiteDirectory/Pages/topsites.aspx</loc><lastmod>2009-07-16</lastmod></url><url><loc>http://www.libertyholdings.co.za/sustainability/Pages/sustainability.aspx</loc><lastmod>2011-04-19</lastmod></url><url><loc>http://www.libertyholdings.co.za/sustainability/Documents/transformation/BEE-scorecard-certificate.pdf</loc><lastmod>2011-04-07</lastmod></url><url><loc>http://www.libertyholdings.co.za/sustainability/Documents/transformation/liberty-group-limited-B-BBEE-certificate-2-final.pdf</loc><lastmod>2011-04-07</lastmod></url><url><loc>http://www.libertyholdings.co.za/sustainability/Documents/transformation/liberty-group-limited-B-BBEE-certificate-final.pdf</loc><lastmod>2011-04-07</lastmod></url><url><loc>http://www.libertyholdings.co.za/sustainability/corporate-social-investment/Pages/current-projects.aspx</loc><lastmod>2011-09-29</lastmod></url><url><loc>http://www.libertyholdings.co.za/sustainability/corporate-social-investment/Pages/education.aspx</loc><lastmod>2011-09-29</lastmod></url><url><loc>http://www.libertyholdings.co.za/sustainability/corporate-social-investment/Pages/bubblegum.aspx</loc><lastmod>2011-09-29</lastmod></url><url><loc>http://www.libertyholdings.co.za/sustainability/corporate-social-investment/Pages/guidelines.aspx</loc><lastmod>2011-09-26</lastmod></url><url><loc>http://www.libertyholdings.co.za/sustainability/corporate-social-investment/Pages/the-liberty-educational-foundation.aspx</loc><lastmod>2011-09-29</lastmod></url><url><loc>http://www.libertyholdings.co.za/sustainability/corporate-social-investment/Pages/mindset.aspx</loc><lastmod>2011-09-29</lastmod></url><url><loc>http://www.libertyholdings.co.za/sustainability/corporate-social-investment/Pages/applicationform.aspx</loc><lastmod>2010-08-12</lastmod></url></urlset>
