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<div class=Section1>

<p class=MsoNormal><b><span lang=DE>Invitation – 5th International
Microinsurance Conference<o:p></o:p></span></b></p>

<p class=MsoNormal><b><i><span lang=FR>Invitation – 5e Conférence
internationale sur la Microassurance<o:p></o:p></span></i></b></p>

<p class=MsoNormal><span lang=FR><o:p>&nbsp;</o:p></span></p>

<p class=MsoNormal><u><span lang=EN-US><a
href="http://www.microinsuranceconference2009.org"><span lang=FR>www.microinsuranceconference2009.org</span></a></span></u><u><span
lang=FR><o:p></o:p></span></u></p>

<p class=MsoNormal><u><span lang=EN-US><a
href="mailto:info@munichre-foundation.org"><span lang=FR>info@munichre-foundation.org</span></a></span></u><u><span
lang=FR><o:p></o:p></span></u></p>

<p class=MsoNormal><u><span lang=FR><o:p><span style='text-decoration:none'>&nbsp;</span></o:p></span></u></p>

<p class=MsoNormal><span lang=EN-US>From 3 to 5 November 2009, the 5th
International Microinsurance Conference will take place in Dakar, Senegal. This
event is hosted by the Microinsurance Network (formerly the CGAP Working Group
on Microinsurance), the Munich Re Foundation, supported by the Conference
Interafricaine des Marches d’Assurances (CIMA), the African Insurance
Organisation (AIO), the Fédération des Sociétés d’Assurances de Droit National
Africaines (FANAF), the World Bank, the Journal of Risk and Insurance, the GTZ
and the International Labour Organization (ILO).<o:p></o:p></span></p>

<p class=MsoNormal><span lang=EN-US><o:p>&nbsp;</o:p></span></p>

<p class=MsoNormal><i><span lang=FR>La 5e Conférence internationale sur la
Microassurance se tiendra du 3 au 5 novembre 2009 à Dakar, Sénégal. L’événement
est accueilli par Microinsurance Network (anciennement CGAP Working Group on
Microinsurance) et par la Fondation Münchener Rück et est soutenu par la
Conférence interafricaine des Marches d’Assurances (CIMA), l’African Insurance
Organisation (AIO), la Fédération des Sociétés d’Assurances de Droit National
Africaines (FANAF), la Banque mondiale, le Journal of Risk and Insurance, la
GTZ et la International Labour Organization (ILO).<o:p></o:p></span></i></p>

<p class=MsoNormal><i><span lang=FR><o:p>&nbsp;</o:p></span></i></p>

<p class=MsoNormal><b><span lang=FR>Agenda and conference documents / Ordre du
jour et documents de la conférence<o:p></o:p></span></b></p>

<p class=MsoNormal><u><span lang=EN-US style='font-size:10.0pt'><a
href="http://www.munichre-foundation.org/StiftungsWebsite/Projects/Microinsurance/2009Microinsurance/2009_Microinsurance_conference_documents.htm"><span
lang=FR>http://www.munichre-foundation.org/StiftungsWebsite/Projects/Microinsurance/2009Microinsurance/2009_Microinsurance_conference_documents.htm</span></a></span></u><u><span
lang=FR style='font-size:10.0pt'><o:p></o:p></span></u></p>

<p class=MsoNormal><span lang=FR style='font-size:10.0pt'><o:p>&nbsp;</o:p></span></p>

<p class=MsoNormal><b><span lang=EN-US>How to register / Mode d’inscription<o:p></o:p></span></b></p>

<p class=MsoNormal><u><span lang=EN-US style='font-size:10.0pt'><a
href="http://www.munichre-foundation.org/StiftungsWebsite/Projects/Microinsurance/2009Microinsurance/How_to_Register_MIC_2009.htm">http://www.munichre-foundation.org/StiftungsWebsite/Projects/Microinsurance/2009Microinsurance/How_to_Register_MIC_2009.htm</a><o:p></o:p></span></u></p>

<p class=MsoNormal><u><span lang=EN-US style='font-size:10.0pt'><o:p><span
 style='text-decoration:none'>&nbsp;</span></o:p></span></u></p>

<p class=MsoNormal><b><span lang=FR>Register here / Inscrivez-vous ici<o:p></o:p></span></b></p>

<p class=MsoNormal><u><span lang=EN-US style='font-size:10.0pt'><a
href="https://www.munichre-foundation.org/StiftungsWebsite/pages/form_microinsuranceselection_en.aspx"><span
lang=FR>https://www.munichre-foundation.org/StiftungsWebsite/pages/form_microinsuranceselection_en.aspx</span></a></span></u><u><span
lang=FR style='font-size:10.0pt'><o:p></o:p></span></u></p>

<p class=MsoNormal><span lang=FR><o:p>&nbsp;</o:p></span></p>

<p class=MsoNormal><b><span lang=EN-US>Target audience / Public cible<o:p></o:p></span></b></p>

<p class=MsoNormal><span lang=EN-US>Over 300 experts from around the world will
exchange experiences and discuss the challenges of microinsurance. They include
representatives from international organisations, NGOs, development-aid
agencies, insurance and reinsurance companies, academics, policymakers and
regulators.<o:p></o:p></span></p>

<p class=MsoNormal><span lang=EN-US><o:p>&nbsp;</o:p></span></p>

<p class=MsoNormal><i><span lang=FR>Environ 300 experts du monde entier se
retrouveront pour échanger leurs expériences et discuter des défis de la
microassurance. Ce sont des représentants d’organisations internationales ou
non gouvernementales, des agences d’aide au développement, des sociétés
d’assurance et de réassurance, des universitaires, des décideurs politiques et des
régulateurs.<o:p></o:p></span></i></p>

<p class=MsoNormal><span lang=FR><o:p>&nbsp;</o:p></span></p>

<p class=MsoNormal><b><span lang=EN-US>Structure and goal of the conference /
Structure et objectif de la conférence<o:p></o:p></span></b></p>

<p class=MsoNormal><span lang=EN-US>The conference will have 5 plenary panel
discussions on key topics addressing an interdisciplinary audience. 12 parallel
working group sessions will deal in depth with different subtopics. Interactive
sessions of approximately 90 minutes are the key part of the conference,
encouraging discussion of work in progress and facilitating dialogue in small
groups on emerging issues.<o:p></o:p></span></p>

<p class=MsoNormal><span lang=EN-US><o:p>&nbsp;</o:p></span></p>

<p class=MsoNormal><i><span lang=FR>La conférence proposera 5 réunions-débats
sur les sujets clés s’adressant à un public interdisciplinaire. 12 groupes de
travail parallèles se pencheront sur différents sujets annexes. La conférence
sera essentiellement composée de sessions interactives d’environ 90 minutes
afin d'encourager les discussions sur les travaux en cours et de faciliter le
dialogue en petits groupes sur les sujets émergents.<o:p></o:p></span></i></p>

<p class=MsoNormal><i><span lang=FR><o:p>&nbsp;</o:p></span></i></p>

<p class=MsoNormal><b><span lang=FR>Conference language / Les langues de la
conférence<o:p></o:p></span></b></p>

<p class=MsoNormal><span lang=EN-US>English - Translation in French will be
available.<o:p></o:p></span></p>

<p class=MsoNormal><i><span lang=FR>Anglais/Français – des traductions seront
mises à disposition.&nbsp;<span style='color:#365D91'><o:p></o:p></span></span></i></p>

<p class=MsoNormal><i><span lang=FR style='color:#365D91'><o:p>&nbsp;</o:p></span></i></p>

<p class=MsoNormal><b><span lang=EN-US style='font-size:12.0pt;color:#193025'>Registration
fee / Frais d’inscription</span></b><i><span lang=EN-US style='color:#365D91'><o:p></o:p></span></i></p>

<p class=MsoNormal><u><span lang=EN-US style='font-size:10.0pt'><a
href="http://www.munichre-foundation.org/StiftungsWebsite/Projects/Microinsurance/2009Microinsurance/How_to_Register_MIC_2009.htm">http://www.munichre-foundation.org/StiftungsWebsite/Projects/Microinsurance/2009Microinsurance/How_to_Register_MIC_2009.htm</a><o:p></o:p></span></u></p>

<p class=MsoNormal><i><span lang=EN-US><o:p>&nbsp;</o:p></span></i></p>

<p class=MsoNormal><b><span lang=EN-US>Press representatives</span></b><span
lang=EN-US> can obtain accreditation free of charge. Please contact the
conference office at <a href="mailto:info@munichre-foundation.org">info@munichre-foundation.org</a><span
style='color:#365D91'> </span>.<span style='color:#365D91'><o:p></o:p></span></span></p>

<p class=MsoNormal><b><span lang=FR>Les représentants</span></b><span lang=FR>
de presse peuvent bénéficier d’une accréditation gratuite. Veuillez contacter
le bureau des conférences sous <a href="mailto:info@munichre-foundation.org">info@munichre-foundation.org</a>.<o:p></o:p></span></p>

<p class=MsoNormal><span lang=FR style='color:#365D91'><o:p>&nbsp;</o:p></span></p>

<p class=MsoNormal><u><span lang=FR style='color:#365D91'><o:p><span
 style='text-decoration:none'>&nbsp;</span></o:p></span></u></p>

<p class=MsoNormal><span lang=EN-US style='color:#365D91'>************************************************************************************************************************************************************************************<o:p></o:p></span></p>

<p class=MsoNormal><span lang=EN-US style='color:#365D91'><o:p>&nbsp;</o:p></span></p>

<p class=MsoNormal><span lang=EN-US style='color:#365D91'><o:p>&nbsp;</o:p></span></p>

<p class=MsoNormal><b><span lang=EN-US>Report – Microinsurance Conference 2008
– Cartagena, Colombia<o:p></o:p></span></b></p>

<p class=MsoNormal><span lang=EN-US>Download full report here<o:p></o:p></span></p>

<p class=MsoNormal><i><span lang=FR>Pour télécharger le rapport complet,
cliquez ici<o:p></o:p></span></i></p>

<p class=MsoNormal><u><span lang=EN-US style='font-size:10.0pt'><a
href="http://www.munichre-foundation.org/StiftungsWebsite/Publications/MIC2008report_Publication_summary.htm"><span
lang=FR>http://www.munichre-foundation.org/StiftungsWebsite/Publications/MIC2008report_Publication_summary.htm</span></a></span></u><u><span
lang=FR style='font-size:10.0pt'><o:p></o:p></span></u></p>

<p class=MsoNormal><u><span lang=FR style='color:#365D91'><o:p><span
 style='text-decoration:none'>&nbsp;</span></o:p></span></u></p>

<p class=MsoNormal><u><span lang=FR style='color:#365D91'><o:p><span
 style='text-decoration:none'>&nbsp;</span></o:p></span></u></p>

<p class=MsoNormal><span lang=EN-US style='color:#365D91'>************************************************************************************************************************************************************************************<o:p></o:p></span></p>

<p class=MsoNormal><span lang=EN-US style='color:#365D91'><o:p>&nbsp;</o:p></span></p>

<p class=MsoNormal><span lang=EN-US>To become a member of the<b> Microinsurance
Network </b>follow the link<o:p></o:p></span></p>

<p class=MsoNormal><span style='color:#1F497D'><a
href="http://www.microinsurancenetwork.org/become_member.php">http://www.microinsurancenetwork.org/become_member.php</a><o:p></o:p></span></p>

<p class=MsoNormal><i><span lang=EN-US style='color:#365D91'><o:p>&nbsp;</o:p></span></i></p>

<p class=MsoNormal><i><span lang=FR>Pour devenir membre du <b>Microinsurance
Network</b>, suivez le lien<o:p></o:p></span></i></p>

<p class=MsoNormal><span style='color:#1F497D'><a
href="http://www.microinsurancenetwork.org/become_member.php"><span lang=FR>http://www.microinsurancenetwork.org/become_member.php</span></a></span><span
lang=FR style='color:#1F497D'><o:p></o:p></span></p>

<p class=MsoNormal><span lang=FR style='color:#365D91'><o:p>&nbsp;</o:p></span></p>

<p class=MsoNormal><b><span lang=EN-US>Opportunity not to be missed! Until 15<sup>th</sup>
August!<o:p></o:p></span></b></p>

<p class=MsoNormal><span lang=EN-US><o:p>&nbsp;</o:p></span></p>

<p class=MsoNormal><span lang=EN-US>The Microinsurance Network will reward its
full members by offering <b>one free seat</b> to the <b>5<sup>th</sup>
International Microinsurance Conference. <o:p></o:p></b></span></p>

<p class=MsoNormal><span lang=EN-US><o:p>&nbsp;</o:p></span></p>

<p class=MsoNormal><span lang=EN-US>Step 1<o:p></o:p></span></p>

<p class=MsoNormal><span lang=EN-US>For those wanting to take part in this
great offer, please register normally via the conference website</span> by
completing and submitting the registration form and paying the appropriate
fees.&nbsp; Registration becomes valid upon confirmation of the registration
fee transfer received by the Munich Re Foundation.<o:p></o:p></p>

<p class=MsoNormal><o:p>&nbsp;</o:p></p>

<p class=MsoNormal>Step 2<o:p></o:p></p>

<p class=MsoNormal><span lang=EN-US>Send an email to </span><span lang=FR><a
href="mailto:veronique.ada@microfinance.lu"><span lang=EN-US style='font-size:
9.0pt'>veronique.ada@microfinance.lu</span></a></span><span lang=EN-US> along
with the bank details and registration confirmation. The Microinsurance Network
will reimburse the full registration fee after the conference.<o:p></o:p></span></p>

<p class=MsoNormal><span lang=EN-US><o:p>&nbsp;</o:p></span></p>

<p class=MsoNormal><span lang=EN-US>This procedure had to adopted for
administrative reasons, but do not hesitate to contact us if you have
questions.<o:p></o:p></span></p>

<p class=MsoNormal><span lang=EN-US><o:p>&nbsp;</o:p></span></p>

<p class=MsoNormal><span lang=EN-US>Note! This offer is only available if you
register before 15<sup>th</sup> August and if you have paid Full Membership
fees to the Microinsurance Network.<o:p></o:p></span></p>

<p class=MsoNormal><span lang=EN-US style='color:#365D91'><o:p>&nbsp;</o:p></span></p>

<p class=MsoNormal><span style='color:#365D91'><o:p>&nbsp;</o:p></span></p>

<p class=MsoNormal><span style='color:#365D91'><o:p>&nbsp;</o:p></span></p>

<p><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Best regards</span><span
style='font-size:11.0pt'> </span><span lang=EN-US style='font-size:11.0pt'><o:p></o:p></span></p>

<p><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'>Dirk
Reinhard<br>
Vice Chairman</span><span lang=EN-US style='font-size:11.0pt'><o:p></o:p></span></p>

<p style='margin:0cm;margin-bottom:.0001pt'><b><span style='font-size:7.5pt;
font-family:"Arial","sans-serif"'>Munich Re<o:p></o:p></span></b></p>

<p style='margin:0cm;margin-bottom:.0001pt'><b><span style='font-size:7.5pt;
font-family:"Arial","sans-serif"'>Foundation</span></b><span style='font-size:
7.5pt'><o:p></o:p></span></p>

<p style='margin:0cm;margin-bottom:.0001pt'><span style='font-size:7.5pt;
font-family:"Arial","sans-serif";color:#64AA14'>From Knowledge</span><span
style='font-size:7.5pt'><o:p></o:p></span></p>

<p style='margin:0cm;margin-bottom:.0001pt'><span style='font-size:7.5pt;
font-family:"Arial","sans-serif";color:#64AA14'>to Action</span><span
style='font-size:7.5pt'> </span><span lang=EN-US style='font-size:8.0pt'><o:p></o:p></span></p>

<p style='margin:0cm;margin-bottom:.0001pt'><span lang=DE style='font-size:
7.5pt;font-family:"Arial","sans-serif"'>Königinstr. 107<br>
80791 München<br>
Germany</span><span lang=DE style='font-size:7.5pt'><o:p></o:p></span></p>

<p style='margin:0cm;margin-bottom:.0001pt'><span lang=DE style='font-size:
7.5pt'><o:p>&nbsp;</o:p></span></p>

<p style='margin:0cm;margin-bottom:.0001pt'><span lang=DE style='font-size:
7.5pt;font-family:"Arial","sans-serif"'>Telephone +49-89-3891-5909</span><span
lang=DE style='font-size:7.5pt'> </span><span lang=DE style='font-size:7.5pt;
font-family:"Arial","sans-serif"'><o:p></o:p></span></p>

<p style='margin:0cm;margin-bottom:.0001pt'><span lang=DE style='font-size:
7.5pt;font-family:"Arial","sans-serif"'>Fax +49-89-3891-7 5909</span><span
lang=DE style='font-size:7.5pt'> <o:p></o:p></span></p>

<p style='margin:0cm;margin-bottom:.0001pt'><span lang=DE style='font-size:
7.5pt;font-family:"Arial","sans-serif"'><a
href="mailto:info@munichre-foundation.org">mailto:info@munichre-foundation.org</a></span><span
lang=DE style='font-size:7.5pt'> <o:p></o:p></span></p>

<p style='margin:0cm;margin-bottom:.0001pt'><span lang=DE style='font-size:
7.5pt;font-family:"Arial","sans-serif"'><a
href="http://www.munichre-foundation.org/"
title="http://www.munichre-foundation.org/">www.munichre-foundation.org</a></span><span
lang=DE style='font-size:7.5pt'><o:p></o:p></span></p>

<p style='margin:0cm;margin-bottom:.0001pt'><span lang=DE style='font-size:
7.5pt'><o:p>&nbsp;</o:p></span></p>

<p style='margin:0cm;margin-bottom:.0001pt'><span lang=DE style='font-size:
7.5pt;font-family:"Arial","sans-serif"'><a
href="http://www.microinsuranceconference.org/"
title="http://www.microinsuranceconference2006.org/">www.microinsuranceconference.org</a></span><span
lang=DE style='font-size:8.0pt'><o:p></o:p></span></p>

<p style='margin:0cm;margin-bottom:.0001pt'><span lang=DE style='font-size:
7.5pt;font-family:"Arial","sans-serif"'><a
href="http://www.microinsurancecompendium.org/">www.microinsurancecompendium.org</a></span><span
lang=DE style='font-size:8.0pt'><o:p></o:p></span></p>

<p class=MsoNormal><span lang=DE><o:p>&nbsp;</o:p></span></p>

<p class=MsoNormal><span lang=DE><o:p>&nbsp;</o:p></span></p>

<p class=MsoNormal><span lang=DE><o:p>&nbsp;</o:p></span></p>

<p class=MsoNormal><span lang=DE style='font-family:"Arial","sans-serif";
color:#365D91'><o:p>&nbsp;</o:p></span></p>

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