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<title>Your Complimentary Report from Gartner</title>
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<p class=MsoNormal><font size=3 face="Times New Roman"><span style='font-size:
12.0pt'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=3 color=navy face=Arial><span lang=EN-GB
style='font-size:12.0pt;font-family:Arial;color:navy'>Good afternoon all.<o:p></o:p></span></font></p>
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<p class=MsoNormal><font size=3 color=navy face=Arial><span lang=EN-GB
style='font-size:12.0pt;font-family:Arial;color:navy'>I think you will find the
attached interesting reading, enjoy.<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=3 color=navy face=Arial><span lang=EN-GB
style='font-size:12.0pt;font-family:Arial;color:navy'><o:p> </o:p></span></font></p>
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<p class=MsoNormal><font size=2 color=black face=Cosmos><span style='font-size:
11.0pt;font-family:Cosmos;color:black'>Best Regards,<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 color=black face=Cosmos><span style='font-size:
11.0pt;font-family:Cosmos;color:black'> <o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 color=black face=Cosmos><span style='font-size:
11.0pt;font-family:Cosmos;color:black'>James Kagwe<o:p></o:p></span></font></p>
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11.0pt;font-family:Cosmos;color:black'><o:p> </o:p></span></font></p>
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11.0pt;font-family:Cosmos;color:black'><img width=151 height=49
id="_x0000_i1033" src="cid:image002.jpg@01C7CFAE.93245740"><o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 color=black face=Cosmos><span style='font-size:
11.0pt;font-family:Cosmos;color:black'>**********************************************************************************
<br>
</span></font><st1:PersonName w:st="on"><font size=2 color=olive face=Cosmos><span
style='font-size:11.0pt;font-family:Cosmos;color:olive'>Alexander Forbes
Financial Services</span></font></st1:PersonName><font size=2 color=olive
face=Cosmos><span style='font-size:11.0pt;font-family:Cosmos;color:olive'> (EA)
Ltd</span></font><font size=2 color=black face=Cosmos><span style='font-size:
11.0pt;font-family:Cosmos;color:black'><br>
10<sup>th</sup> floor, <st1:place w:st="on"><st1:PlaceName w:st="on">Landmark</st1:PlaceName>
<st1:PlaceType w:st="on">Plaza</st1:PlaceType></st1:place><o:p></o:p></span></font></p>
<p class=MsoNormal><st1:Street w:st="on"><st1:address w:st="on"><font size=2
color=black face=Cosmos><span style='font-size:11.0pt;font-family:Cosmos;
color:black'>Argwings Kodhek Road</span></font></st1:address></st1:Street><font
size=2 color=black face=Cosmos><span style='font-size:11.0pt;font-family:Cosmos;
color:black'><o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 color=black face=Cosmos><span style='font-size:
11.0pt;font-family:Cosmos;color:black'>Opposite <st1:PlaceName w:st="on">Nairobi</st1:PlaceName>
<st1:PlaceType w:st="on">Hospital</st1:PlaceType> <br>
<st1:address w:st="on"><st1:Street w:st="on">P. O. Box 52439</st1:Street> -</st1:address>
00200 <br>
<st1:place w:st="on"><st1:City w:st="on">Nairobi</st1:City>, <st1:country-region
w:st="on">Kenya</st1:country-region></st1:place> <o:p></o:p></span></font></p>
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11.0pt;font-family:Cosmos;color:black'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 color=black face=Cosmos><span style='font-size:
11.0pt;font-family:Cosmos;color:black'>Tel: (254) 20 – 2710722, 2710775,
2710779, 2710782, 2710751, 2710725<o:p></o:p></span></font></p>
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5.0pt;margin-left:0in'><font size=2 color=black face=Cosmos><span
style='font-size:11.0pt;font-family:Cosmos;color:black'>Fax: (254) 20 - 2710721<o:p></o:p></span></font></p>
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11.0pt;font-family:Cosmos;color:black'><o:p> </o:p></span></font></p>
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5.0pt;margin-left:0in'><font size=2 color=black face=Cosmos><span
style='font-size:11.0pt;font-family:Cosmos;color:black'>Confidentiality Warning
<br>
======================= <br>
The contents of this e-mail and any accompanying documentation are confidential
and any use thereof, in what ever form, by anyone other than the addressee is
strictly prohibited.<o:p></o:p></span></font></p>
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style='font-size:11.0pt;font-family:Cosmos;color:black'>If you have received
this e-mail in error, please notify<u> </u></span></font><st1:PersonName w:st="on"><u><font
size=2 color=blue face=Cosmos><span style='font-size:11.0pt;font-family:Cosmos;
color:blue'>actuaries@aforbes.co.ke</span></font></u></st1:PersonName><font
size=2 color=black face=Cosmos><span style='font-size:11.0pt;font-family:Cosmos;
color:black'> or <a href="mailto:benefits@aforbes.co.ke">benefits@aforbes.co.ke</a>
and delete it immediately from your system..<o:p></o:p></span></font></p>
<p class=MsoNormal><st1:PersonName w:st="on"><b><font size=2 color=olive
face=Cosmos><span style='font-size:11.0pt;font-family:Cosmos;color:olive;
font-weight:bold'>Alexander Forbes Financial Services</span></font></b></st1:PersonName><b><font
size=2 color=olive face=Cosmos><span style='font-size:11.0pt;font-family:Cosmos;
color:olive;font-weight:bold'> (EA) Limited</span></font></b><font size=2
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