fsb final poster 25-06-2013
TRANSCRIPT
Con
tent
Gra
de 7
· N
eeds
and
wan
ts o
f con
sum
ers
· SW
OT
Anal
ysis
Gra
de 8
· So
le tr
ader
· C
hara
cter
istic
s of
a s
ole
trade
r·
Adva
ntag
es a
nd d
isad
vant
ages
of s
ole
trade
rs·
Thei
r rol
e in
sus
tain
able
job
crea
tion
Gra
de 9
· Fu
nctio
ns o
f a b
usin
esse
s (A
dmin
istra
tion,
Pur
chas
ing,
Mar
ketin
g,
Fi
nanc
es, H
uman
reso
urce
s, R
isk
man
agem
ent)
· C
hara
cter
istic
s of
the
busi
ness
func
tions
· Im
porta
nce
of th
e bu
sine
ss fu
nctio
ns
Voca
bula
ry /
impo
rtan
t wor
ds
Gra
de 7
Nee
ds, w
ants
, SW
OT
Anal
ysis
, stre
ngth
s, w
eakn
esse
s, o
ppor
tuni
ties,
thre
ats
and
cons
umer
s.
Gra
de 8
Sole
trad
er, s
usta
inab
le, j
ob c
reat
ion
and
sust
aina
ble
job
crea
tion.
Gra
de 9
Busi
ness
func
tions
Adm
inis
tratio
n, P
urch
asin
g, M
arke
ting,
Fin
ance
s,H
uman
reso
urce
s, R
isk
man
agem
ent.
Aim
s an
d ob
ject
ives
of t
he le
sson
By th
e en
d of
the
less
on le
arne
rs w
ill be
abl
e to
:
Gra
de 7
· Ide
ntify
nee
ds a
nd w
ants
of c
onsu
mer
s an
d ex
plai
n it
in th
eir o
wn
wor
ds.
· Des
crib
e th
e ch
arac
teris
tics
of a
goo
d en
trepr
eneu
r in
writ
ing.
· Dra
w u
p a
SWO
T An
alys
is b
ased
on
the
post
er, “
Ney
o’s
Succ
ess
Stor
y”.
Gra
de 8
· Des
crib
e a
sole
trad
er u
sing
cha
ract
eris
tics,
adv
anta
ges
and
disa
dvan
tage
s in
thei
r ow
n w
ords
.· E
xpla
in o
rally
how
Ney
o be
cam
e a
sole
trad
er.
· Dis
cuss
the
role
of s
ole
trade
rs in
sus
tain
able
job
crea
tions
.
Gra
de 9
· Lis
t the
diff
eren
t fun
ctio
ns o
f a b
usin
ess.
· Exp
lain
in th
eir o
wn
wor
ds, t
he c
hara
cter
istic
s an
d ro
les
of th
ese
func
tions
in a
bus
ines
s.
ECO
NO
MIC
AN
D M
AN
AG
EMEN
T SC
IEN
CES
: SEN
IOR
PH
ASE
GR
AD
E: 7
, 8 &
9
Mul
ti-G
rade
Les
son
Plan
(Can
be
adap
ted
for M
ono
Gra
des)
Intr
oduc
tion
· Thi
s le
sson
pla
n ha
s be
en d
evel
oped
to a
ccom
mod
ate
Mul
ti-gr
ade
teac
hing
for t
he s
enio
r pha
se.
· Thi
s le
sson
pla
n ca
n al
so b
e ad
apte
d fo
r Mon
o-gr
ade
teac
hing
. It c
an b
e us
ed to
sho
w le
arne
rs h
ow a
n en
trepr
eneu
r can
gro
w fr
om a
sm
all
bu
sine
ss in
to a
larg
e bu
sine
ss –
“Ney
o’s
Succ
ess
Stor
y”.
· Afte
r int
rodu
cing
the
broa
d to
pics
to a
ll th
ree
grad
es, t
he te
ache
r sho
uld
teac
h th
e co
nten
t rel
evan
t to
the
spec
ific
grad
e.
· Cla
ss w
ork
and
hom
ewor
k ac
tiviti
es a
re a
pplic
able
to th
e co
ncep
ts, k
now
ledg
e an
d sk
ills s
peci
fic to
the
grad
e as
out
lined
in th
is le
sson
pla
n.
· Lea
rner
s sh
ould
be
refe
rred
to th
e ap
prop
riate
sec
tions
in th
eir t
extb
ooks
.
Mul
ti-gr
ade
Less
on P
lan
for E
cono
mic
and
Man
agem
ent S
cien
ces:
Gra
de: 7
, 8 &
9
Topi
c: E
ntre
pren
eurs
hip
Gra
de 7
: Sta
rting
a b
usin
ess
(CAP
S: p
age
14)
Gra
de 8
: For
ms
of O
wne
rshi
p (C
APS:
pag
e 18
)G
rade
9: F
unct
ions
of a
bus
ines
s (C
APS:
pag
e 22
)
Prio
r Con
tent
kno
wle
dge
Gra
de 7
: Defi
nitio
n, c
hara
cter
istic
s an
d sk
ills o
f an
entre
pren
eur.
Entre
pren
euria
l act
ions
of b
uyin
g, s
ellin
g, p
rodu
cing
and
mak
ing
a pr
ofit (
CAP
S: P
age
12).
Gra
de 8
: Fac
tors
of p
rodu
ctio
n (C
APS:
Pag
e 17
).
Gra
de 9
: Sec
tors
of t
he E
cono
my
(CAP
S: P
age
21).
Term
: 3
Wee
k:
Dur
atio
n:G
rade
7: W
eek
4
2hrs
: 4
perio
ds o
f 30
min
utes
Gra
de 8
: Wee
k 4
- 5
2h
rs:
4 pe
riods
of 3
0 m
inut
esG
rade
9: W
eek
6 -
7
2hrs
: 4
perio
ds o
f 30
min
utes
Link
with
nex
t les
son
Gra
de 7
: Set
ting
and
achi
evin
g go
als,
adv
ertis
ing
and
budg
ets
(CAP
S: P
age
12).
Gra
de 8
: For
ms
of o
wne
rshi
p: P
artn
ersh
ips
and
clos
e co
rpor
atio
ns(C
APS:
Pag
e 18
).G
rade
9: F
unct
ions
of a
bus
ines
ses
(Pub
lic re
latio
ns, P
rodu
ctio
n,
Gen
eral
man
agem
ent,
Ris
k m
anag
emen
t), C
hara
cter
istic
s of
the
busi
ness
func
tions
, Rol
e an
d im
porta
nce
of b
usin
ess
func
tions
(C
APS:
Pag
e 22
).
Res
ourc
es
Mon
ey in
Act
ion
Post
er: “
Ney
o’s
succ
ess
stor
y”, t
extb
ooks
, and
act
ivity
she
ets.
Gra
de 9
Ask
a G
rade
9 le
aner
to re
ad th
e “g
reen
bub
ble
spee
ch”
on th
e po
ster
.
· Exp
lain
to th
e le
arne
rs th
at N
eyo’
s bu
sine
ss h
as g
row
n.
· Ask
lear
ners
if th
ey th
ink
Ney
o ca
n ru
n th
e bu
sine
ss o
n hi
s ow
n. L
earn
ers
sh
ould
giv
e re
ason
s fo
r the
ir an
swer
s.
· Bas
ed o
n th
e le
arne
rs’ r
espo
nses
, exp
lain
that
Ney
o w
ill ne
ed to
del
egat
e
som
e of
the
busi
ness
func
tions
to o
ther
em
ploy
ees
in o
rder
to m
anag
e th
e
busi
ness
mor
e ef
fect
ivel
y.· R
efer
the
lear
ners
to th
e re
leva
nt s
ectio
n in
thei
r tex
t boo
ks.
· Ran
dom
ly s
elec
t lea
rner
s an
d as
k th
em to
read
from
thei
r tex
t boo
ks.
· Exp
lain
to th
e le
arne
rs th
e di
ffere
nt fu
nctio
ns o
f a b
usin
ess.
· Inf
orm
the
lear
ners
that
eac
h fu
nctio
n m
ust w
ork
wel
l with
oth
er fu
nctio
ns
to
ach
ieve
the
obje
ctiv
es o
f the
bus
ines
s. T
he fu
nctio
ns th
e le
arne
rs n
eed
to k
now
for t
his
less
on a
re A
dmin
istra
tion,
Pur
chas
ing,
Fin
anci
ng,
M
arke
ting,
Hum
an re
sour
ces
and
Ris
k m
anag
emen
t.
· Exp
lain
in d
etai
l the
cha
ract
eris
tics,
role
and
impo
rtanc
e of
eac
h fu
nctio
n.
· Giv
e Ac
tivity
3 to
the
Gra
de 9
lear
ners
to c
ompl
ete.
Mon
itor a
ll th
e le
arne
rs w
hile
they
wor
k on
thei
r act
iviti
es. G
ive
supp
ort a
s an
d w
hen
requ
ired.
Mar
k le
arne
rs’ w
ork
as y
ou w
alk
arou
nd to
sup
port
them
.
· Gra
de 8
lear
ners
wor
k on
Act
ivity
2 w
hile
the
teac
her w
orks
with
the
Gra
de 9
lear
ners
.
· Lea
rner
s lis
ten
and
resp
ond
to th
e te
ache
r as
s/he
exp
lain
s
an
d in
trodu
ces
the
conc
epts
of S
WO
T an
alys
is.
· Lea
rner
s as
k th
e te
ache
r que
stio
ns th
at w
ill fu
rther
cla
rify
thei
r
unde
rsta
ndin
g.
· Lea
rner
s re
ad fr
om th
eir t
extb
ooks
and
ask
cla
rity-
seek
ing
qu
estio
ns.
· Gra
de 9
lear
ners
wor
k on
Act
ivity
3 w
hile
the
teac
her w
orks
with
and
che
cks
on th
e G
rade
7 a
nd 8
lear
ners
.
Gra
de 7
Ask
a G
rade
7 le
arne
r to
read
the
“ora
nge
spee
ch b
ubbl
e” o
n th
e
po
ster
.
· Al
low
lear
ners
to re
spon
d to
the
ques
tion
in th
e sp
eech
bub
ble.
Writ
e al
l
the
resp
onse
s on
the
boar
d.
· As
k le
arne
rs w
hy th
ey w
ould
sel
l tho
se p
rodu
cts
durin
g th
e En
trepr
eneu
rs’
D
ay?
Writ
e al
l the
resp
onse
s on
the
boar
d.
· As
k le
arne
rs w
hy th
ey th
ink
Ney
o de
cide
d to
sel
l app
les
durin
g th
e
Entre
pren
eurs
’ Day
. Writ
e al
l the
resp
onse
s on
the
boar
d.
· Ex
plai
n to
the
lear
ners
that
bef
ore
any
entre
pren
eur d
ecid
es to
sel
l a
prod
uct,
he/s
he n
eeds
to d
o a
SWO
T an
alys
is.
· Ex
plai
n w
hat e
ach
lette
r in
“SW
OT”
sta
nds
for:
- “
S” s
tand
s fo
r the
stre
ngth
s of
the
busi
ness
that
will
mak
e th
e bu
sine
ss
su
ccee
d.
- “W
” sta
nds
for t
he w
eakn
esse
s th
at m
ight
cau
se th
e bu
sine
ss to
fail.
- B
oth
the
stre
ngth
s an
d th
e w
eakn
esse
s re
late
to th
e in
tern
al a
spec
ts o
f
th
e bu
sine
ss.
- “
O” s
tand
s fo
r the
opp
ortu
nitie
s av
aila
ble
to th
e bu
sine
ss. O
ppor
tuni
ties
can
resu
lt in
a s
ucce
ss to
a b
usin
ess.
- “
T” s
tand
s fo
r the
thre
ats
to th
e bu
sine
ss. T
hrea
ts a
re th
ings
out
side
the
busi
ness
that
cou
ld w
ork
agai
nst t
he s
ucce
ss o
f a b
usin
ess.
Som
etim
es
a
busi
ness
can
not c
ontro
l the
thre
at, s
o it
has
to fi
nd w
ays
to c
ontro
l the
impa
ct o
n th
e bu
sine
ss.
· G
ive
the
Gra
de 7
lear
ners
Act
ivity
1 to
com
plet
e on
the
SWO
T an
alys
is fo
r
Ney
o’s
Appl
e Bo
utiq
ue.
Gra
de 8
and
9
Ask
a G
rade
8 le
arne
r to
read
the
“blu
e sp
eech
bub
ble”
on
the
post
er.
· Ask
wha
t typ
e of
a b
usin
ess
is o
wne
d by
Ney
o? W
hich
pro
duct
s
ar
e so
ld in
Ney
o’s
spaz
a sh
op?
· Is
Ney
o’s
spaz
a sh
op a
form
al o
r an
info
rmal
bus
ines
s? G
ive
reas
ons.
· Writ
e al
l the
resp
onse
s on
the
boar
d.
· Exp
lain
to th
e le
arne
rs th
at s
ince
the
“spa
za” s
hop
is o
wne
d by
Ney
o, h
e ca
n be
con
side
red
as a
sol
e tra
der.
This
is o
ne o
f the
form
s of
ow
ners
hip.
· Lea
rner
s re
spon
d to
the
teac
her a
s s/
he e
xpla
ins
and
intro
duce
s
th
e co
ncep
ts o
f the
SW
OT
anal
ysis
.
· Lea
rner
s as
k th
e te
ache
r que
stio
ns th
at w
ill fu
rther
cla
rify
thei
r
unde
rsta
ndin
g.
· Lea
rner
s w
ill th
en c
opy
the
note
s in
to th
eir e
xerc
ise
book
s.
· Gra
de 7
lear
ners
wor
k on
Act
ivity
1 w
hile
the
teac
her w
orks
with
the
Gra
de 8
and
9 le
arne
rs.
· Lea
rner
s lis
ten
and
resp
ond
to th
e te
ache
r as
s/he
exp
lain
s an
d
intro
duce
s th
e co
ncep
ts S
WO
T an
alys
is.
· Lea
rner
s as
k th
e te
ache
r que
stio
ns th
at w
ill fu
rther
cla
rify
thei
r
unde
rsta
ndin
g.
· Lea
rner
s w
ill th
en c
opy
the
note
s in
to th
eir e
xerc
ise
book
s.
· Ref
er th
e le
arne
rs to
the
rele
vant
sec
tion
in th
eir t
ext b
ooks
.
· Exp
lain
to th
em w
hat a
sol
e tra
der i
s, it
s ch
arac
teris
tics,
adva
ntag
es a
nd d
isad
vant
ages
.
· Giv
e Ac
tivity
2 to
the
Gra
de 8
lear
ners
to c
ompl
ete.
Act
ivity
2: G
rade
8
[10]
Ans
wer
the
follo
win
g qu
estio
ns:
1. D
oes
the
owne
r of t
he s
ole
trade
r usu
ally
man
age
the
busi
ness
on
his
own?
(2
)2.
Wha
t hap
pens
to th
e so
le tr
ader
if th
e ow
ner d
ies?
(2
)3.
Wha
t doe
s it
mea
n w
hen
the
owne
r has
unl
imite
d lia
bilit
y fo
r the
deb
ts o
f the
bus
ines
s?
(2)
4. S
tate
whe
ther
the
follo
win
g st
atem
ents
are
true
or f
alse
:a)
The
ow
ner c
an lo
se h
is p
erso
nal p
osse
ssio
ns if
ther
e is
no
mon
ey in
the
busi
ness
to p
ay fo
r the
deb
ts.
(1)
b) C
reat
ion
of a
sol
e tra
der i
s di
fficu
lt.
(1)
c) S
ole
trade
r can
mak
e qu
ick
deci
sion
s.
(1)
d) T
he o
wne
r tak
es a
ll th
e ris
ks in
the
busi
ness
. (1
)
Act
ivity
3: G
rade
9
[20]
Answ
er th
e fo
llow
ing
ques
tions
:1.
In y
our o
wn
wor
ds, e
xpla
in th
e te
rm ‘f
unct
ions
of t
he b
usin
esse
s’.
(2)
2. N
ame
two
activ
ities
han
dled
by
adm
inis
trativ
e fu
nctio
n.
(4)
3. N
ame
the
four
Ps
of m
arke
ting.
(4
)4.
Exp
lain
the
purp
ose
of m
arke
t res
earc
h in
mak
ing
prod
uct c
hoic
es fo
r a b
usin
ess.
(2
)5.
Lis
t fou
r im
porta
nt a
ctiv
ities
of t
he h
uman
reso
urce
s fu
nctio
n.
(4)
6. Id
entif
y th
e fu
nctio
n th
at c
ontro
ls lo
ans
and
inve
stm
ents
. (1
)7.
Whi
ch fu
nctio
n is
resp
onsi
ble
for b
rand
bui
ldin
g?
(1)
8. W
hat i
s th
e m
ain
focu
s of
risk
man
agem
ent?
(2
)
Ass
essm
ent s
trat
egy
Fo
rmal
In
form
al
Form
of a
sses
smen
t: C
lass
wor
k ac
tiviti
es
Ass
essm
ent t
ool:
Mem
o
Gra
de 7
: Ac
tivity
1:
SWO
T An
alys
is -
Ney
o’s
busi
ness
cha
rt.G
rade
8:
Activ
ity 2
: Sh
ort q
uest
ions
of t
he s
ole
trade
r.G
rade
9:
Activ
ity 3
: Sh
ort q
uest
ions
on
the
func
tions
of a
bus
ines
s.
Evid
ence
of a
sses
smen
t
Teac
her:
· Act
iviti
es a
re m
arke
d, c
orre
cted
and
dat
ed.
· Not
es g
iven
by
the
teac
her a
re c
heck
ed.
· Tea
cher
’s c
omm
ents
mus
t app
ear i
n th
e le
arne
rs’ b
ooks
.
Lear
ners
:· N
otes
and
act
iviti
es a
re c
ompl
eted
by
the
lear
ners
’ in
thei
r wor
k / e
xerc
ise
book
s.
Teac
hing
met
hods
· Gro
up te
achi
ng· O
bser
vatio
n an
d in
terp
reta
tion
of th
e ch
art
· Dis
cuss
ion
· Que
stio
n an
d an
swer
· Nar
rativ
e
Diff
eren
tiatio
n (E
nric
hmen
t opp
ortu
nitie
s/ a
ddre
ssin
g ba
rrie
rsto
lear
ning
)
· Pitc
h th
e la
ngua
ge le
vel o
f the
less
on a
t Eng
lish
Firs
t Add
ition
al
Lang
uage
(EFA
L).
· Rea
rrang
e le
arne
rs s
eatin
g po
sitio
n to
acc
omm
odat
e le
arne
rs’
ne
eds.
· Gro
up le
arne
rs a
ccor
ding
to th
eir g
rade
s. X
Less
on a
nd C
lass
wor
k A
ctiv
ity 1
- 3
Teac
hing
Act
iviti
es
Intr
oduc
tion
Gra
de 7
– 8
· Ask
the
follo
win
g qu
estio
ns to
the
who
le c
lass
.
- Wha
t is
the
diffe
renc
e be
twee
n ne
eds
and
wan
ts a
nd g
ive
exam
ples
?
- Wha
t do
we
use
to s
atis
fy n
eeds
and
wan
ts?
- W
ho p
rovi
des
the
good
s an
d se
rvic
es?
· Writ
e th
e an
swer
s on
the
boar
d. A
sk le
arne
rs to
cop
y th
e an
swer
s.
· Exp
lain
that
the
prod
ucer
s ar
e al
so th
e en
trepr
eneu
rs. A
sk th
e fo
llow
ing
qu
estio
ns
- Wha
t is
an e
ntre
pren
eur?
- N
ame
the
char
acte
ristic
s of
a g
ood
entre
pren
eur.
· Writ
e th
e an
swer
s on
the
boar
d. A
sk le
arne
rs to
cop
y th
e an
swer
s.
· Fur
ther
exp
lain
that
an
entre
pren
eur c
an e
ither
ow
n a
form
al o
r inf
orm
al
busi
ness
and
a s
ervi
ce o
r tra
ding
bus
ines
s. A
sk th
e fo
llow
ing
ques
tions
:
- Wha
t is
the
diffe
renc
e be
twee
n a
form
al a
nd a
n in
form
al b
usin
ess?
Giv
e ex
ampl
es.
- W
hat i
s th
e di
ffere
nce
betw
een
a se
rvic
e an
d a
tradi
ng b
usin
ess?
Giv
e ex
ampl
es.
· Writ
e th
e an
swer
s on
the
boar
d. A
sk le
arne
rs to
cop
y th
e an
swer
s.· T
hen
expl
ain
that
the
entre
pren
eur i
s no
rmal
ly a
man
ager
. Ask
the
fo
llow
ing
ques
tion:
- W
hat i
s a
man
ager
?· W
rite
the
answ
ers
on th
e bo
ard.
Ask
lear
ners
to c
opy
the
answ
ers.
Gra
de 7
, 8 a
nd 9
· Dis
play
Ney
o’s
succ
ess
stor
y ch
art.
· Ref
er th
e le
arne
rs to
the
rele
vant
sec
tion
in th
eir t
ext b
ooks
.
Lear
ners
’ Act
iviti
es
· Lea
rner
s sh
ould
resp
ond
to th
e qu
estio
ns. T
hey
shou
ld c
opy
the
answ
ers
in th
eir e
xerc
ise
book
s.
· Lea
rner
s sh
ould
list
en a
nd re
spon
d to
the
ques
tions
. The
y sh
ould
copy
the
answ
ers
into
thei
r exe
rcis
e bo
oks.
· Lea
rner
s sh
ould
list
en a
nd re
spon
d to
the
ques
tions
. The
y sh
ould
copy
the
answ
ers
into
thei
r exe
rcis
e bo
oks.
· Lea
rner
s sh
ould
list
en a
nd re
spon
d to
the
ques
tions
. The
y sh
ould
copy
the
answ
ers
into
thei
r exe
rcis
e bo
oks.
16 7 8 9 10
2 3 4 5
Act
iviti
es
Act
ivity
1: G
rade
7
Use
“Ney
o’s
succ
ess
stor
y po
ster
” to
com
plet
e th
e SW
OT
anal
ysis
by
givi
ng tw
o an
swer
s in
eac
h bl
ock.
[8
]
STR
ENG
THS
OPP
OR
TUN
ITIE
S
WEA
KN
ESSE
S
THR
EATS
Activity 3: Grade 9 [20]
Answer the following questions:
1. Functions of the business are operations that people in the business perform to achieve the aims and objectives of the business. It helps the business to run effectively and efficiently. (2)
2. Activities handled by the administrative function include: List any two. (4)
g Clerical work such as answering phone calls
g Reception
g Recording and filing information
g Managing the administration budget
g Scheduling
g Posting and registry work
g Record keeping
g Sending emails, writing letters, etc.
g Any suitable response from the learner
3. The four Ps of marketing are: Price, Product, People and Place. (4)
4. The purpose of market research in making product choices for a business is to identify the target market, to analyse their needs and wants, to understand the consumers’ behaviour and buying power. (2)
5. Four important activities of the human resources function are: (4)
g Recruitment of employees
g Selection of the right employee
g Placement
g Personal development and training of employees
6. The financial function controls loans and investments. (1)
7. The marketing function is responsible for building a brand. (1)
8. The main focus of risk management is to save money and to reduce any risk the business might encounter by introducing preventative measures. (2)
Activity 2: Grade 8 [10]
Answer the following questions:
1. Yes, a sole trader owns the business and manages it as well. The sole trader provides the capital and is entitled to all the profits. (2)
2. When the sole trader dies the business closes down. It does not exist anymore. (2)
3. Unlimited liability for debt means that the owner is responsible for all the debts of the business. If the business is unsuccessful he/she can lose all his/her personal belongings. (2)
4. State whether the following statements are true or false:
a) True (1)
b) False (1)
c) True (1)
d) True (1)
STRENGTHS (Internal)g Hard workingg Is knowledgeable about fruitg Provides a friendly serviceg Communicates well with customersg Is energeticg Is honestg Any suitable response from the learners
OPPORTUNITIES (External)g Business can grow as more customers buy applesg Include other kinds of fruitg Meet demand for vegetablesg Buy apples from neighbours who have apple or other fruit treesg Move the stall to a busier locationg Any suitable response from the learners
POSSIBLE ANSWERS
Activity 1: Grade 7
Use “Neyo’s success story poster” to complete the SWOT analysis by giving two answers in each block. [8]
WEAKNESSES (Internal)g Works aloneg When he gets ill he will not be able to sellg The apples can go badg May not have enough money to buy stockg Must do all the work himselfg Any suitable response from the learners
THREATS (External)g Crime (customers’ steal)g Another person starts a similar business – competitiong Bad weatherg Customers may want a variety of fruitg No loans available for small informal businessesg Any suitable response from the learners
fa_F
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IA P
OST
ER B
ACK_
4.6.
2013
.indd
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2013
/06/
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AM
SAIASOUTH AFRICAN INSURANCE ASSOCIATION
fa_FSB MIA POSTER FRONT_convert_4.6.13.indd 1 2013/06/05 8:50 AM