GENERAL INSURANCE.


During the year we have expanded our online capability by establishing our presence on all of the major third-party consumer websites as well as benefiting from the enhancements to our own website which went live in late 2010. The broker channel has also shown continued growth with new deals signed in the period as well as increased activity with existing partners. We have established a dedicated sales force to increase our penetration of the regional broker and IFA markets. Although this has not significantly impacted on the 2011 result, we feel that this provides a platform for future growth.

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