A stressful year lies ahead

Letter to President Petrov Arverbeyev

Kazakhstan Insurance Company

Astana, Kazakhstan

Dear Petrov,

I am sending you the plan for 2009 for the UK general division. Since I took over from John following his sudden departure in the middle of the year, the management team has been exceptionally busy rectifying the fundamentals of the business and putting it on a sound basis. This has been very challenging in view of the economic situation, the financial crisis and the changing UK market.

We are

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