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</o:shapelayout></xml><![endif]--></head><body lang=EN-ZW link="#0563C1" vlink="#954F72"><div class=WordSection1><div align=center><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=916 style='width:687.2pt;border-collapse:collapse'><tr><td width=910 colspan=4 valign=top style='width:682.8pt;padding:0cm 5.4pt 0cm 5.4pt'></td><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm'><p class=MsoNormal style='line-height:105%'><span style='font-family:"Verdana",sans-serif'> <o:p></o:p></span></p></td></tr><tr><td width=910 colspan=4 valign=top style='width:682.8pt;border:solid #BFBFBF 1.0pt;border-top:solid #D9D9D9 1.0pt;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt'></td><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm'><p class=MsoNormal style='line-height:105%'><span style='font-family:"Verdana",sans-serif'> </span><span lang=EN-US style='font-family:"Verdana",sans-serif'><o:p></o:p></span></p></td></tr><tr><td width=910 colspan=4 valign=top style='width:682.8pt;border:solid #BFBFBF 1.0pt;border-top:none;padding:0cm 5.4pt 0cm 5.4pt'><p class=MsoNormal style='margin-left:32.1pt;text-indent:7.5pt;line-height:105%'><b><span style='font-family:"Verdana",sans-serif'><o:p> </o:p></span></b></p><p class=MsoNormal style='margin-left:32.1pt;text-indent:7.5pt;line-height:105%'><a href="http://www.bulls.co.zw/"><b><span style='font-size:8.0pt;line-height:105%;font-family:"Verdana",sans-serif;color:windowtext;text-decoration:none'>Bulls.co.zw </span></b></a><b><span style='font-size:8.0pt;line-height:105%;font-family:"Verdana",sans-serif'> </span></b><a href="mailto:info@bulls.co.zw?subject=View%20and%20Comments"><b><span style='font-size:8.0pt;line-height:105%;font-family:"Verdana",sans-serif;color:windowtext;text-decoration:none'>Views & Comments</span></b></a><span class=MsoHyperlink><b><span style='font-size:8.0pt;line-height:105%;font-family:"Verdana",sans-serif;color:windowtext;text-decoration:none'> </span></b></span><a href="http://www.bulls.co.zw/blog"><b><span style='font-size:8.0pt;line-height:105%;font-family:"Verdana",sans-serif;color:windowtext;text-decoration:none'>Bullish Thoughts</span></b></a><span class=MsoHyperlink><b><span style='font-size:8.0pt;line-height:105%;font-family:"Verdana",sans-serif;color:windowtext;text-decoration:none'> </span></b></span><a href="http://www.twitter.com/BullsBears2010"><b><span style='font-size:8.0pt;line-height:105%;font-family:"Verdana",sans-serif;color:windowtext;text-decoration:none'>Twitter</span></b></a><span class=MsoHyperlink><b><span style='font-size:8.0pt;line-height:105%;font-family:"Verdana",sans-serif;color:windowtext;text-decoration:none'> </span></b></span><a href="https://www.facebook.com/BullsBearsZimbabwe"><b><span style='font-size:8.0pt;line-height:105%;font-family:"Verdana",sans-serif;color:windowtext;text-decoration:none'>Facebook</span></b></a><span class=MsoHyperlink><b><span style='font-size:8.0pt;line-height:105%;font-family:"Verdana",sans-serif;color:windowtext;text-decoration:none'> </span></b></span><a href="http://www.linkedin.com/pub/bulls-n-bears-zimbabwe/57/577/72"><b><span style='font-size:8.0pt;line-height:105%;font-family:"Verdana",sans-serif;color:windowtext;text-decoration:none'>LinkedIn</span></b></a><span class=MsoHyperlink><b><span style='font-size:8.0pt;line-height:105%;font-family:"Verdana",sans-serif;color:windowtext;text-decoration:none'> </span></b></span><a href="https://chat.whatsapp.com/CF6wllAfScU9Wr6dXxoQnO"><b><span style='color:windowtext;mso-fareast-language:EN-ZW;text-decoration:none'>WhatsApp</span></b></a><span class=MsoHyperlink><b><span style='color:windowtext;mso-fareast-language:EN-ZW;text-decoration:none'> </span></b></span><a href="mailto:info@bulls.co.zw?subject=Unsubscribe"><b><span style='font-size:8.0pt;line-height:105%;font-family:"Verdana",sans-serif;color:windowtext;text-decoration:none'>Unsubscribe</span></b></a><span class=style30><span style='font-size:8.0pt;line-height:105%'><o:p></o:p></span></span></p></td><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm'><p class=MsoNormal style='line-height:105%'><span style='font-family:"Verdana",sans-serif'> </span><o:p></o:p></p></td></tr><tr><td width=910 colspan=4 valign=top style='width:682.8pt;border:solid #BFBFBF 1.0pt;border-top:none;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt'><p class=MsoSubtitle style='margin-left:32.1pt;text-indent:7.5pt;line-height:105%'><span class=style30><b><span lang=EN-US style='color:windowtext'><o:p> </o:p></span></b></span></p></td><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm'><p class=MsoNormal style='line-height:105%'><span style='font-family:"Verdana",sans-serif'> </span><o:p></o:p></p></td></tr><tr><td width=910 colspan=4 valign=top style='width:682.8pt;border:solid #BFBFBF 1.0pt;border-top:none;padding:0cm 5.4pt 0cm 5.4pt'><p class=MsoNormal style='margin-left:32.1pt;line-height:105%'><span class=style30><b><span style='font-family:"Verdana",sans-serif'>Entrepreneurship Zone: 25 August 2020: 'I started a fashion business from two suitcases'</span></b></span><b><span style='font-family:"Verdana",sans-serif'><o:p></o:p></span></b></p></td><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm'><p class=MsoNormal style='line-height:105%'><span style='font-family:"Verdana",sans-serif'> <o:p></o:p></span></p></td></tr><tr><td width=910 colspan=4 valign=top style='width:682.8pt;border:solid #BFBFBF 1.0pt;border-top:none;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt'><p class=MsoNormal style='line-height:105%'><span class=style30><b><o:p> </o:p></b></span></p></td><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm'><p class=MsoNormal style='line-height:105%'><span style='font-family:"Verdana",sans-serif'> </span><o:p></o:p></p></td></tr><tr style='height:3.0pt'><td width=910 colspan=4 valign=top style='width:682.8pt;border:solid #BFBFBF 1.0pt;border-top:none;padding:0cm 5.4pt 0cm 5.4pt;height:3.0pt'><p class=MsoNormal align=center style='text-align:center;line-height:105%'><a href="mailto:info@bulls.co.zw"><span style='color:windowtext;mso-fareast-language:EN-ZW;text-decoration:none'><img border=0 width=791 height=269 id="Picture_x0020_12" src="cid:image001.jpg@01D67AAF.EADDACB0"></span></a><span class=style30><b><o:p></o:p></b></span></p></td><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm;height:3.0pt'><p class=MsoNormal style='line-height:105%'><span style='font-family:"Verdana",sans-serif'> </span><o:p></o:p></p></td></tr><tr style='height:10.05pt'><td width=910 colspan=4 valign=top style='width:682.8pt;border:solid #BFBFBF 1.0pt;border-top:none;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt;height:10.05pt'><p class=MsoNormal style='line-height:105%'><span style='font-family:"Verdana",sans-serif'><o:p> </o:p></span></p></td><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm;height:10.05pt'><p class=MsoNormal style='line-height:105%'><span style='font-family:"Verdana",sans-serif'> <o:p></o:p></span></p></td></tr><tr style='height:10.05pt'><td width=910 colspan=4 rowspan=3 valign=top style='width:682.8pt;border:solid #BFBFBF 1.0pt;border-top:none;padding:0cm 5.4pt 0cm 5.4pt;height:10.05pt'><p class=story-bodyintroduction style='mso-margin-top-alt:21.0pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline'><b><span lang=EN-US style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;mso-fareast-language:EN-US'>This week we speak to Rwandan fashion designer Joselyne Umutoniwase.<o:p></o:p></span></b></p><p style='mso-margin-top-alt:17.25pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1rem;font-weight:inherit;letter-spacing:inherit'><span lang=EN-US style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;mso-fareast-language:EN-US'>In 2010, Joselyne Umutoniwase took a bold decision. She had been working as a film editor for five years but decided to follow her dream of becoming a fashion designer.<o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1rem;font-weight:inherit;letter-spacing:inherit'><span lang=EN-US style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;mso-fareast-language:EN-US'>She made her first fashion collection and when she travelled from her home in Rwanda to Germany for a film scholarship, she took two suitcases stuffed with tops, skirts and dresses.<o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1rem;font-weight:inherit;letter-spacing:inherit'><span lang=EN-US style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;mso-fareast-language:EN-US'>"The young Germans were fascinated about the style and the colourful African wax prints," she says.<o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1rem;font-weight:inherit;letter-spacing:inherit'><span lang=EN-US style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;mso-fareast-language:EN-US'>She sold the whole collection in three months.<o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1rem;font-weight:inherit;letter-spacing:inherit'><span lang=EN-US style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;mso-fareast-language:EN-US'>"I didn't know that I could earn serious money with selling my own creations," she says from her business in Kigali.<o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline'><span lang=EN-US style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;mso-fareast-language:EN-US'><o:p> </o:p></span></p><p class=MsoNormal style='line-height:106%;background:white;vertical-align:baseline'><span style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;border:none windowtext 1.0pt;padding:0cm;mso-fareast-language:EN-ZW'><img border=0 width=976 height=549 id="Picture_x0020_10" src="cid:image002.jpg@01D67AAF.EADDACB0" alt=fashion></span><span class=off-screen><span style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif'> </span></span><span class=media-captiontext><span style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;border:none windowtext 1.0pt;padding:0cm'>Joselyne bought cheap second-hand items and "separated all the parts to find out where the seams were and how these clothes were made"</span></span><span lang=EN-US style='font-size:10.5pt;line-height:106%;font-family:"Helvetica",sans-serif'><o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline'><span lang=EN-US style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;mso-fareast-language:EN-US'>Her German experience gave her enough confidence and a bit of financial help to make a career change.<o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1rem;font-weight:inherit;letter-spacing:inherit'><span lang=EN-US style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;mso-fareast-language:EN-US'>She stopped working as a film editor, bought three sewing machines, hired two tailors and founded her own fashion brand, Rwanda Clothing.<o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1rem;font-weight:inherit;letter-spacing:inherit'><span lang=EN-US style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;mso-fareast-language:EN-US'>Now, eight years later, she runs a workshop with 37 full-time tailors, selling off-the-peg items from $50-$120 (£40-£95).<o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1rem;font-weight:inherit;letter-spacing:inherit'><span lang=EN-US style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;mso-fareast-language:EN-US'>Clothes captivated Joselyne, as she grew up in a middle-class family in Rwanda's capital.<o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline'><span lang=EN-US style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;mso-fareast-language:EN-US'><o:p> </o:p></span></p><p class=MsoNormal style='line-height:106%;background:white;vertical-align:baseline'><span style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;border:none windowtext 1.0pt;padding:0cm;mso-fareast-language:EN-ZW'><img border=0 width=976 height=549 id="Picture_x0020_9" src="cid:image003.jpg@01D67AAF.EADDACB0" alt=clothes></span><span class=off-screen><span style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif'> </span></span><span class=media-captiontext><span style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;border:none windowtext 1.0pt;padding:0cm'>"I didn't know that I could earn serious money with selling my own creations," Joselyne says</span></span><span lang=EN-US style='font-size:10.5pt;line-height:106%;font-family:"Helvetica",sans-serif'><o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline'><span lang=EN-US style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;mso-fareast-language:EN-US'>She bought cheap second-hand items nobody wanted, she says. "I separated all the parts to find out where the seams were and how these clothes were made."<o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1rem;font-weight:inherit;letter-spacing:inherit'><span lang=EN-US style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;mso-fareast-language:EN-US'>But with many items coming into Rwanda from China and India, she didn't see it as a career, and instead studied film and, to keep her parents happy, IT.<o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1rem;font-weight:inherit;letter-spacing:inherit'><span lang=EN-US style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;mso-fareast-language:EN-US'>Both her father and her uncle own several businesses. This inspired her to start a small hair-braiding outfit during high school.<o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1rem;font-weight:inherit;letter-spacing:inherit'><span lang=EN-US style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;mso-fareast-language:EN-US'>But their experiences also showed her how things could go wrong. "I became very frustrated as a child, when my father had to close his butchery business because his business partner ran away with all the money."<o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline'><span lang=EN-US style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;mso-fareast-language:EN-US'><o:p> </o:p></span></p><p class=MsoNormal style='line-height:106%;background:white;vertical-align:baseline'><span style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;border:none windowtext 1.0pt;padding:0cm;mso-fareast-language:EN-ZW'><img border=0 width=976 height=549 id="Picture_x0020_8" src="cid:image004.jpg@01D67AAF.EADDACB0" alt="cloth cutting"></span><span class=off-screen><span style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif'> </span></span><span class=media-captiontext><span style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;border:none windowtext 1.0pt;padding:0cm'>Joselyne runs a workshop with 37 full-time tailors</span></span><span lang=EN-US style='font-size:10.5pt;line-height:106%;font-family:"Helvetica",sans-serif'><o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline'><span lang=EN-US style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;mso-fareast-language:EN-US'>Getting money together was also a challenge for her, as banks didn't want to provide Rwanda Clothing with a loan.<o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1rem;font-weight:inherit;letter-spacing:inherit'><span lang=EN-US style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;mso-fareast-language:EN-US'>"Fashion was an industry that nobody took seriously at that time," she says, and from the banks' point of view, "me as a 24-year-old woman being the founder wasn't very convincing either."<o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1rem;font-weight:inherit;letter-spacing:inherit'><span lang=EN-US style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;mso-fareast-language:EN-US'>However, she had met lawyer and investor Roman Schulz during her 2010 visit to Germany. He was excited by her creative work and natural talent as a designer, believed in her and later became her business partner and husband.<o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1rem;font-weight:inherit;letter-spacing:inherit'><span lang=EN-US style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;mso-fareast-language:EN-US'>They put $10,000 of savings together and she hired her first staff.<o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1rem;font-weight:inherit;letter-spacing:inherit'><span lang=EN-US style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;mso-fareast-language:EN-US'>She does admit to making a few errors. For instance, her first two fashion shows.<o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1rem;font-weight:inherit;letter-spacing:inherit'><span lang=EN-US style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;mso-fareast-language:EN-US'>"This was good and important but I didn't necessarily need 25 models, a stage, free drinks and to invite a VIP. I could have done this in a more clever and cheaper way," she says.<o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline'><span lang=EN-US style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;mso-fareast-language:EN-US'><o:p> </o:p></span></p><p class=MsoNormal style='line-height:106%;background:white;vertical-align:baseline'><span style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;border:none windowtext 1.0pt;padding:0cm;mso-fareast-language:EN-ZW'><img border=0 width=976 height=549 id="Picture_x0020_7" src="cid:image005.jpg@01D67AAF.EADDACB0" alt=store></span><span class=off-screen><span style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif'> </span></span><span class=media-captiontext><span style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;border:none windowtext 1.0pt;padding:0cm'>Getting money together was a challenge for Joselyne, as banks didn't want to provide Rwanda Clothing with a loan</span></span><span lang=EN-US style='font-size:10.5pt;line-height:106%;font-family:"Helvetica",sans-serif'><o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline'><span lang=EN-US style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;mso-fareast-language:EN-US'>"Joselyne always has an entrepreneurial aptitude and ambition above and beyond," says Alice Nkulikiyinka, country director of Business Professionals Network Rwanda.<o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1rem;font-weight:inherit;letter-spacing:inherit'><span lang=EN-US style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;mso-fareast-language:EN-US'>"Her company has grown steadily, offering secure jobs to more than 40 people. Joselyne established an internationally recognised fashion brand."<o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1rem;font-weight:inherit;letter-spacing:inherit'><span lang=EN-US style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;mso-fareast-language:EN-US'>In 2018, one of Joselyne's biggest dreams came true when she was invited to the Milan Fashion Week.<o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1rem;font-weight:inherit;letter-spacing:inherit'><span lang=EN-US style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;mso-fareast-language:EN-US'>"It was a victory to be there," she says. "It felt like such a recognition for my work to present my collection on that catwalk."<o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1rem;font-weight:inherit;letter-spacing:inherit'><span lang=EN-US style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;mso-fareast-language:EN-US'>She says she would love to start selling internationally through an online shop but logistics make this a challenge.<o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1rem;font-weight:inherit;letter-spacing:inherit'><span lang=EN-US style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;mso-fareast-language:EN-US'>"I wouldn't be able to afford customers sending items back," she says, which is hard to avoid in fashion.<o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline'><span lang=EN-US style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;mso-fareast-language:EN-US'><o:p> </o:p></span></p><p class=MsoNormal style='line-height:106%;background:white;vertical-align:baseline'><span style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;border:none windowtext 1.0pt;padding:0cm;mso-fareast-language:EN-ZW'><img border=0 width=976 height=549 id="Picture_x0020_6" src="cid:image006.jpg@01D67AAF.EADDACB0" alt=clothes></span><span class=media-captiontext><span style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;border:none windowtext 1.0pt;padding:0cm'> "The young Germans were fascinated about the style and the colourful African wax prints," Joselyne says</span></span><span lang=EN-US style='font-size:10.5pt;line-height:106%;font-family:"Helvetica",sans-serif'><o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline'><span lang=EN-US style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;mso-fareast-language:EN-US'>She now plans to start an internet shop in Europe for homeware items and fashion accessories like scarves, pillows and bags. But she's mindful not to forget her early clients.<o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1rem;font-weight:inherit;letter-spacing:inherit'><span lang=EN-US style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;mso-fareast-language:EN-US'>"When you grow too quickly and disappoint existing customers, you can ruin your business."<o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1rem;font-weight:inherit;letter-spacing:inherit'><span lang=EN-US style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;mso-fareast-language:EN-US'>But her plans have been put on hold due to the coronavirus crisis.<o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1rem;font-weight:inherit;letter-spacing:inherit'><span lang=EN-US style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;mso-fareast-language:EN-US'>"We were forced to shut down during a total lockdown of 45 days. And although the government has eased the lockdown recently, customers are still shying away."<o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline'><span style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;border:none windowtext 1.0pt;padding:0cm'>Her tailors are working in shifts to maintain distance, she says.<o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1rem;font-weight:inherit;letter-spacing:inherit'><span style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;border:none windowtext 1.0pt;padding:0cm'>"In Rwanda, we are used to challenges. It forces us to be extra creative, learn to find other solutions and come up with new ideas."<o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1rem;font-weight:inherit;letter-spacing:inherit'><span style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;border:none windowtext 1.0pt;padding:0cm'>Joselyne and her family had to flee by foot during the Rwandan genocide in 1994 and she lost both her grandmothers, several uncles, aunts and cousins.<o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1rem;font-weight:inherit;letter-spacing:inherit'><span style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;border:none windowtext 1.0pt;padding:0cm'>"I only have some blurry memories as I was only six years old and I might also have filtered some experiences as it was such a traumatic event," she says.<o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1rem;font-weight:inherit;letter-spacing:inherit'><span style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;border:none windowtext 1.0pt;padding:0cm'>"In the following years, I remember being so obsessed about the story, [thinking] 'why has this had to happen to my country?'"<o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline'><span style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;border:none windowtext 1.0pt;padding:0cm'><o:p> </o:p></span></p><p class=MsoNormal><span style='mso-fareast-language:EN-ZW'><img border=0 width=976 height=549 id="Picture_x0020_3" src="cid:image007.jpg@01D67AAF.EADDACB0" alt=shop></span> Expansion plans have been put on hold due to the coronavirus crisis<o:p></o:p></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline'><span style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;border:none windowtext 1.0pt;padding:0cm'>Early on, she wanted to leave Rwanda entirely.<o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1rem;font-weight:inherit;letter-spacing:inherit'><span style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;border:none windowtext 1.0pt;padding:0cm'>"It was too painful to know that such a thing could happen in my country. And I was afraid that it would happen again. You don't feel safe for a while and you don't trust anybody.<o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1rem;font-weight:inherit;letter-spacing:inherit'><span style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;border:none windowtext 1.0pt;padding:0cm'>"But at some point, you decide to have peace with it. Whatever you do, you cannot really change this situation.<o:p></o:p></span></p><p style='mso-margin-top-alt:13.5pt;margin-right:0cm;margin-bottom:0cm;margin-left:0cm;margin-bottom:.0001pt;line-height:106%;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1rem;font-weight:inherit;letter-spacing:inherit'><span style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;border:none windowtext 1.0pt;padding:0cm'>"I also saw new roads being constructed, new houses being built. I saw the country being repaired. And the positive thing is, after such a tragedy, people really want to live."<o:p></o:p></span></p><p class=MsoNormal style='line-height:106%;background:white;vertical-align:baseline'><span style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;border:none windowtext 1.0pt;padding:0cm;mso-fareast-language:EN-ZW'><img border=0 width=976 height=549 id="Picture_x0020_11" src="cid:image008.jpg@01D67AAF.EADDACB0" alt="Joselyne Umutoniwase"></span><span class=off-screen><span style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif'> </span></span><span class=media-captiontext><span style='font-size:10.5pt;line-height:106%;font-family:"inherit",serif;border:none windowtext 1.0pt;padding:0cm'>In 2018 one of Joselyne Umutoniwase's biggest dreams came true when she was invited to the Milan Fashion Week</span></span><span style='font-size:10.5pt;line-height:106%;font-family:"Helvetica",sans-serif'><o:p></o:p></span></p><p class=wp-caption-text style='margin:0cm;margin-bottom:.0001pt;line-height:106%'><span style='font-size:10.0pt;line-height:106%;font-family:"Trebuchet MS",sans-serif;border:none windowtext 1.0pt;padding:0cm'><o:p> </o:p></span></p></td><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm;height:10.05pt'><p class=MsoNormal style='line-height:105%'><span style='font-family:"Verdana",sans-serif'><o:p> </o:p></span></p></td></tr><tr style='height:10.05pt'><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm;height:10.05pt'><p class=MsoNormal style='line-height:105%'><span style='font-family:"Verdana",sans-serif'><o:p> </o:p></span></p></td></tr><tr style='height:10.05pt'><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm;height:10.05pt'><p class=MsoNormal style='line-height:105%'><span style='font-family:"Verdana",sans-serif'><o:p> </o:p></span></p></td></tr><tr style='height:10.05pt'><td width=910 colspan=4 valign=top style='width:682.8pt;border:solid #BFBFBF 1.0pt;border-top:none;padding:0cm 5.4pt 0cm 5.4pt;height:10.05pt'><p class=MsoNormal style='mso-margin-top-alt:auto;margin-left:36.0pt;line-height:115%;background:white'><b><span style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'><o:p> </o:p></span></b></p></td><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm;height:10.05pt'><p class=MsoNormal style='line-height:105%'><span lang=EN-US style='font-family:"Verdana",sans-serif'><o:p> </o:p></span></p></td></tr><tr><td width=910 colspan=4 style='width:682.8pt;border:solid #BFBFBF 1.0pt;border-top:none;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt'><p class=MsoNormal style='line-height:105%'><span style='font-family:"Verdana",sans-serif'><o:p> </o:p></span></p><p class=MsoNormal style='line-height:105%'><strong><span style='font-family:"Verdana",sans-serif'>INVESTORS DIARY 2020</span></strong><span style='font-family:"Verdana",sans-serif'><o:p></o:p></span></p></td><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm'><p class=MsoNormal style='line-height:105%'><span style='font-family:"Verdana",sans-serif'> <o:p></o:p></span></p></td></tr><tr style='height:3.25pt'><td width=175 style='width:131.3pt;border:solid #BFBFBF 1.0pt;border-top:none;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoNormal style='text-indent:12.6pt;line-height:105%'><b><span style='font-family:"Verdana",sans-serif'>Company</span></b><span style='font-family:"Verdana",sans-serif'><o:p></o:p></span></p></td><td width=194 style='width:145.15pt;border-top:none;border-left:none;border-bottom:solid #BFBFBF 1.0pt;border-right:solid #BFBFBF 1.0pt;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoNormal style='line-height:105%'><b><span style='font-family:"Verdana",sans-serif'>Event</span></b><span style='font-family:"Verdana",sans-serif'><o:p></o:p></span></p></td><td width=365 style='width:273.5pt;border-top:none;border-left:none;border-bottom:solid #BFBFBF 1.0pt;border-right:solid #BFBFBF 1.0pt;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoNormal style='line-height:105%'><b><span style='font-family:"Verdana",sans-serif'>Venue</span></b><span style='font-family:"Verdana",sans-serif'><o:p></o:p></span></p></td><td width=177 valign=bottom style='width:132.85pt;border-top:none;border-left:none;border-bottom:solid #BFBFBF 1.0pt;border-right:solid #BFBFBF 1.0pt;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoNormal style='line-height:105%'><b><span style='font-family:"Verdana",sans-serif'>Date & Time</span></b><span style='font-family:"Verdana",sans-serif'><o:p></o:p></span></p></td><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm;height:3.25pt'><p class=MsoNormal style='line-height:105%'><span style='font-family:"Verdana",sans-serif'> <o:p></o:p></span></p></td></tr><tr style='height:3.25pt'><td width=175 valign=top style='width:131.3pt;border:solid #BFBFBF 1.0pt;border-top:none;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoNormal style='line-height:105%'><o:p> </o:p></p></td><td width=194 style='width:145.15pt;border-top:none;border-left:none;border-bottom:solid #BFBFBF 1.0pt;border-right:solid #BFBFBF 1.0pt;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoNormal style='line-height:105%'><span style='font-size:10.0pt;line-height:105%;font-family:"Trebuchet MS",sans-serif'><o:p> </o:p></span></p></td><td width=365 style='width:273.5pt;border-top:none;border-left:none;border-bottom:solid #BFBFBF 1.0pt;border-right:solid #BFBFBF 1.0pt;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoNormal style='line-height:105%'><o:p> </o:p></p></td><td width=177 valign=top style='width:132.85pt;border-top:none;border-left:none;border-bottom:solid #BFBFBF 1.0pt;border-right:solid #BFBFBF 1.0pt;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoNormal style='line-height:105%'><span style='font-size:10.0pt;line-height:105%;font-family:"Trebuchet MS",sans-serif'><o:p> </o:p></span></p></td><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm;height:3.25pt'><p class=MsoNormal style='margin-left:72.0pt;text-indent:-72.0pt;line-height:105%'><span style='font-family:"Verdana",sans-serif'><o:p> </o:p></span></p></td></tr><tr style='height:3.25pt'><td width=175 valign=top style='width:131.3pt;border:solid #BFBFBF 1.0pt;border-top:none;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoNormal style='line-height:105%'><o:p> </o:p></p></td><td width=194 style='width:145.15pt;border-top:none;border-left:none;border-bottom:solid #BFBFBF 1.0pt;border-right:solid #BFBFBF 1.0pt;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoNormal style='line-height:105%'><span style='font-size:10.0pt;line-height:105%;font-family:"Trebuchet MS",sans-serif'><o:p> </o:p></span></p></td><td width=365 style='width:273.5pt;border-top:none;border-left:none;border-bottom:solid #BFBFBF 1.0pt;border-right:solid #BFBFBF 1.0pt;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoNormal style='line-height:105%'><o:p> </o:p></p></td><td width=177 valign=top style='width:132.85pt;border-top:none;border-left:none;border-bottom:solid #BFBFBF 1.0pt;border-right:solid #BFBFBF 1.0pt;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoNormal style='line-height:105%'><span style='font-size:10.0pt;line-height:105%;font-family:"Trebuchet MS",sans-serif'><o:p> </o:p></span></p></td><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm;height:3.25pt'><p class=MsoNormal style='margin-left:72.0pt;text-indent:-72.0pt;line-height:105%'><span style='font-family:"Verdana",sans-serif'><o:p> </o:p></span></p></td></tr><tr style='height:3.25pt'><td width=175 valign=top style='width:131.3pt;border:solid #BFBFBF 1.0pt;border-top:none;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoNormal style='line-height:105%'><o:p> </o:p></p></td><td width=194 style='width:145.15pt;border-top:none;border-left:none;border-bottom:solid #BFBFBF 1.0pt;border-right:solid #BFBFBF 1.0pt;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoNormal style='line-height:105%'><span style='font-size:10.0pt;line-height:105%;font-family:"Trebuchet MS",sans-serif'><o:p> </o:p></span></p></td><td width=365 style='width:273.5pt;border-top:none;border-left:none;border-bottom:solid #BFBFBF 1.0pt;border-right:solid #BFBFBF 1.0pt;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoNormal style='line-height:105%'><o:p> </o:p></p></td><td width=177 valign=top style='width:132.85pt;border-top:none;border-left:none;border-bottom:solid #BFBFBF 1.0pt;border-right:solid #BFBFBF 1.0pt;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoNormal style='line-height:105%'><span style='font-size:10.0pt;line-height:105%;font-family:"Trebuchet MS",sans-serif'><o:p> </o:p></span></p></td><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm;height:3.25pt'><p class=MsoNormal style='margin-left:72.0pt;text-indent:-72.0pt;line-height:105%'><span style='font-family:"Verdana",sans-serif'><o:p> </o:p></span></p></td></tr><tr style='height:3.25pt'><td width=175 valign=top style='width:131.3pt;border:solid #BFBFBF 1.0pt;border-top:none;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoNormal style='line-height:105%'>SeedCo International<o:p></o:p></p></td><td width=194 style='width:145.15pt;border-top:none;border-left:none;border-bottom:solid #BFBFBF 1.0pt;border-right:solid #BFBFBF 1.0pt;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoNormal style='line-height:105%'><span style='font-size:10.0pt;line-height:105%;font-family:"Trebuchet MS",sans-serif'>AGM<o:p></o:p></span></p></td><td width=365 style='width:273.5pt;border-top:none;border-left:none;border-bottom:solid #BFBFBF 1.0pt;border-right:solid #BFBFBF 1.0pt;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoNormal style='line-height:105%'>Virtual (https://eagm.creg.co.zw/eagmzim/Login.aspx#)<o:p></o:p></p></td><td width=177 valign=top style='width:132.85pt;border-top:none;border-left:none;border-bottom:solid #BFBFBF 1.0pt;border-right:solid #BFBFBF 1.0pt;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoNormal style='line-height:105%'><span style='font-size:10.0pt;line-height:105%;font-family:"Trebuchet MS",sans-serif'>26 August 2020 | 9am<o:p></o:p></span></p></td><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm;height:3.25pt'><p class=MsoNormal style='margin-left:72.0pt;text-indent:-72.0pt;line-height:105%'><span style='font-family:"Verdana",sans-serif'><o:p> </o:p></span></p></td></tr><tr style='height:3.25pt'><td width=175 valign=top style='width:131.3pt;border:solid #BFBFBF 1.0pt;border-top:none;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoNormal style='line-height:105%'>SeedCo<o:p></o:p></p></td><td width=194 style='width:145.15pt;border-top:none;border-left:none;border-bottom:solid #BFBFBF 1.0pt;border-right:solid #BFBFBF 1.0pt;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoNormal style='line-height:105%'><span style='font-size:10.0pt;line-height:105%;font-family:"Trebuchet MS",sans-serif'>AGM<o:p></o:p></span></p></td><td width=365 style='width:273.5pt;border-top:none;border-left:none;border-bottom:solid #BFBFBF 1.0pt;border-right:solid #BFBFBF 1.0pt;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoNormal style='line-height:105%'>Virtual (https://eagm.creg.co.zw/eagmzim/Login.aspx#)<o:p></o:p></p></td><td width=177 valign=top style='width:132.85pt;border-top:none;border-left:none;border-bottom:solid #BFBFBF 1.0pt;border-right:solid #BFBFBF 1.0pt;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoNormal style='line-height:105%'><span style='font-size:10.0pt;line-height:105%;font-family:"Trebuchet MS",sans-serif'>28 August 2020 | 9am<o:p></o:p></span></p></td><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm;height:3.25pt'><p class=MsoNormal style='margin-left:72.0pt;text-indent:-72.0pt;line-height:105%'><span style='font-family:"Verdana",sans-serif'><o:p> </o:p></span></p></td></tr><tr style='height:3.25pt'><td width=369 colspan=2 valign=top style='width:276.45pt;border:solid #BFBFBF 1.0pt;border-top:none;background:#D9D9D9;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoBodyText style='margin:0cm;margin-bottom:.0001pt;line-height:105%'><b><span lang=EN-US style='font-size:11.0pt;line-height:105%;font-family:"Verdana",sans-serif'>Companies under Cautionary<o:p></o:p></span></b></p></td><td width=365 style='width:273.5pt;border-top:none;border-left:none;border-bottom:solid #BFBFBF 1.0pt;border-right:solid #BFBFBF 1.0pt;background:#D9D9D9;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoBodyText style='margin:0cm;margin-bottom:.0001pt;line-height:105%'><b><span lang=EN-US style='font-size:11.0pt;line-height:105%;font-family:"Verdana",sans-serif'><o:p> </o:p></span></b></p></td><td width=177 valign=bottom style='width:132.85pt;border-top:none;border-left:none;border-bottom:solid #BFBFBF 1.0pt;border-right:solid #BFBFBF 1.0pt;background:#D9D9D9;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoBodyText style='margin:0cm;margin-bottom:.0001pt;line-height:105%'><b><span lang=EN-US style='font-size:11.0pt;line-height:105%;font-family:"Verdana",sans-serif'><o:p> </o:p></span></b></p></td><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm;height:3.25pt'><p class=MsoNormal style='line-height:105%'><span style='font-family:"Verdana",sans-serif'><o:p> </o:p></span></p></td></tr><tr style='height:3.25pt'><td width=369 colspan=2 valign=top style='width:276.45pt;border:solid #BFBFBF 1.0pt;border-top:none;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoBodyText style='margin:0cm;margin-bottom:.0001pt;line-height:105%'><span lang=EN-US style='font-size:11.0pt;line-height:105%;font-family:"Verdana",sans-serif'><o:p> </o:p></span></p></td><td width=365 style='width:273.5pt;border-top:none;border-left:none;border-bottom:solid #BFBFBF 1.0pt;border-right:solid #BFBFBF 1.0pt;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoBodyText style='margin:0cm;margin-bottom:.0001pt;line-height:105%'><span lang=EN-US style='font-size:11.0pt;line-height:105%;font-family:"Verdana",sans-serif'><o:p> </o:p></span></p></td><td width=177 valign=bottom style='width:132.85pt;border-top:none;border-left:none;border-bottom:solid #BFBFBF 1.0pt;border-right:solid #BFBFBF 1.0pt;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoBodyText style='margin:0cm;margin-bottom:.0001pt;line-height:105%'><span lang=EN-US style='font-size:11.0pt;line-height:105%;font-family:"Verdana",sans-serif'><o:p> </o:p></span></p></td><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm;height:3.25pt'><p class=MsoNormal style='line-height:105%'><span style='font-family:"Verdana",sans-serif'><o:p> </o:p></span></p></td></tr><tr style='height:3.25pt'><td width=369 colspan=2 valign=top style='width:276.45pt;border:solid #BFBFBF 1.0pt;border-top:none;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoBodyText style='margin:0cm;margin-bottom:.0001pt;line-height:105%'><span lang=EN-US style='font-size:11.0pt;line-height:105%;font-family:"Verdana",sans-serif'>Bindura Nickel Corporation<o:p></o:p></span></p></td><td width=365 style='width:273.5pt;border-top:none;border-left:none;border-bottom:solid #BFBFBF 1.0pt;border-right:solid #BFBFBF 1.0pt;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoBodyText style='margin:0cm;margin-bottom:.0001pt;line-height:105%'><span lang=EN-US style='font-size:11.0pt;line-height:105%;font-family:"Verdana",sans-serif'><o:p> </o:p></span></p></td><td width=177 valign=bottom style='width:132.85pt;border-top:none;border-left:none;border-bottom:solid #BFBFBF 1.0pt;border-right:solid #BFBFBF 1.0pt;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoBodyText style='margin:0cm;margin-bottom:.0001pt;line-height:105%'><span lang=EN-US style='font-size:11.0pt;line-height:105%;font-family:"Verdana",sans-serif'><o:p> </o:p></span></p></td><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm;height:3.25pt'><p class=MsoNormal style='line-height:105%'><span style='font-family:"Verdana",sans-serif'> <o:p></o:p></span></p></td></tr><tr style='height:3.25pt'><td width=369 colspan=2 valign=top style='width:276.45pt;border:solid #BFBFBF 1.0pt;border-top:none;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoBodyText style='margin:0cm;margin-bottom:.0001pt;line-height:105%'><span lang=EN-US style='font-size:11.0pt;line-height:105%;font-family:"Verdana",sans-serif'>Padenga Holdings<o:p></o:p></span></p></td><td width=365 style='width:273.5pt;border-top:none;border-left:none;border-bottom:solid #BFBFBF 1.0pt;border-right:solid #BFBFBF 1.0pt;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoBodyText style='margin:0cm;margin-bottom:.0001pt;line-height:105%'><span lang=EN-US style='font-size:11.0pt;line-height:105%;font-family:"Verdana",sans-serif'><o:p> </o:p></span></p></td><td width=177 valign=bottom style='width:132.85pt;border-top:none;border-left:none;border-bottom:solid #BFBFBF 1.0pt;border-right:solid #BFBFBF 1.0pt;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoBodyText style='margin:0cm;margin-bottom:.0001pt;line-height:105%'><span lang=EN-US style='font-size:11.0pt;line-height:105%;font-family:"Verdana",sans-serif'><o:p> </o:p></span></p></td><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm;height:3.25pt'><p class=MsoNormal style='line-height:105%'><span style='font-family:"Verdana",sans-serif'><o:p> </o:p></span></p></td></tr><tr style='height:3.25pt'><td width=369 colspan=2 valign=top style='width:276.45pt;border:solid #BFBFBF 1.0pt;border-top:none;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoBodyText style='margin:0cm;margin-bottom:.0001pt;line-height:105%'><span lang=EN-US style='font-size:11.0pt;line-height:105%;font-family:"Verdana",sans-serif'>Delta Corporation<o:p></o:p></span></p></td><td width=365 style='width:273.5pt;border-top:none;border-left:none;border-bottom:solid #BFBFBF 1.0pt;border-right:solid #BFBFBF 1.0pt;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoBodyText style='margin:0cm;margin-bottom:.0001pt;line-height:105%'><span lang=EN-US style='font-size:11.0pt;line-height:105%;font-family:"Verdana",sans-serif'><o:p> </o:p></span></p></td><td width=177 valign=bottom style='width:132.85pt;border-top:none;border-left:none;border-bottom:solid #BFBFBF 1.0pt;border-right:solid #BFBFBF 1.0pt;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoBodyText style='margin:0cm;margin-bottom:.0001pt;line-height:105%'><span lang=EN-US style='font-size:11.0pt;line-height:105%;font-family:"Verdana",sans-serif'><o:p> </o:p></span></p></td><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm;height:3.25pt'><p class=MsoNormal style='line-height:105%'><span style='font-family:"Verdana",sans-serif'><o:p> </o:p></span></p></td></tr><tr style='height:3.25pt'><td width=369 colspan=2 valign=top style='width:276.45pt;border:solid #BFBFBF 1.0pt;border-top:none;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoBodyText style='margin:0cm;margin-bottom:.0001pt;line-height:105%'><span lang=EN-US style='font-size:11.0pt;line-height:105%;font-family:"Verdana",sans-serif'>Meikles Limited<o:p></o:p></span></p></td><td width=365 style='width:273.5pt;border-top:none;border-left:none;border-bottom:solid #BFBFBF 1.0pt;border-right:solid #BFBFBF 1.0pt;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoBodyText style='margin:0cm;margin-bottom:.0001pt;line-height:105%'><span lang=EN-US style='font-size:11.0pt;line-height:105%;font-family:"Verdana",sans-serif'><o:p> </o:p></span></p></td><td width=177 valign=bottom style='width:132.85pt;border-top:none;border-left:none;border-bottom:solid #BFBFBF 1.0pt;border-right:solid #BFBFBF 1.0pt;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt;height:3.25pt'><p class=MsoBodyText style='margin:0cm;margin-bottom:.0001pt;line-height:105%'><span lang=EN-US style='font-size:11.0pt;line-height:105%;font-family:"Verdana",sans-serif'><o:p> </o:p></span></p></td><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm;height:3.25pt'><p class=MsoNormal style='line-height:105%'><span style='font-family:"Verdana",sans-serif'><o:p> </o:p></span></p></td></tr><tr style='height:99.35pt'><td width=910 colspan=4 style='width:682.8pt;border:solid #BFBFBF 1.0pt;border-top:none;padding:0cm 5.4pt 0cm 5.4pt;height:99.35pt'><p class=MsoNormal style='line-height:106%;background:white'><i><span style='font-size:10.0pt;line-height:106%;font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Invest Wisely!</span></i><span style='mso-fareast-language:EN-ZW'><o:p></o:p></span></p><p class=MsoNormal style='line-height:106%;background:white'><b><span style='font-size:10.0pt;line-height:106%;font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Bulls n Bears </span></b><span style='mso-fareast-language:EN-ZW'><o:p></o:p></span></p><p class=MsoNormal style='line-height:106%;background:white'><span style='font-size:10.0pt;line-height:106%;font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'> </span><span style='mso-fareast-language:EN-ZW'><o:p></o:p></span></p><p class=MsoNormal style='line-height:106%;background:white'><span style='font-size:10.0pt;line-height:106%;font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Cellphone: </span><a href="tel:%2B263%2077%20344%201674" target="_blank"><span style='font-size:10.0pt;line-height:106%;font-family:"Verdana",sans-serif;color:windowtext;mso-fareast-language:EN-ZW'>+263 77 344 1674</span></a><span style='mso-fareast-language:EN-ZW'><o:p></o:p></span></p><p class=MsoNormal style='line-height:106%;background:white'><span style='font-size:10.0pt;line-height:106%;font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Alt. Email: </span><a href="mailto:info@bulls.co.zw"><span style='font-size:10.0pt;line-height:106%;font-family:"Verdana",sans-serif;color:windowtext;mso-fareast-language:EN-ZW'>info@bulls.co.zw</span></a><span style='font-size:10.0pt;line-height:106%;font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'> </span><span style='mso-fareast-language:EN-ZW'><o:p></o:p></span></p><p class=MsoNormal style='line-height:106%;background:white'><span style='font-size:10.0pt;line-height:106%;font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Website: </span><a href="http://www.google.com/url?q=http%3A%2F%2Fwww.bulls.co.zw&sa=D&sntz=1&usg=AFQjCNH8LYgdY55h-XKseuM8Kpr-JKdfhQ" target="_blank"><span style='font-size:10.0pt;line-height:106%;font-family:"Verdana",sans-serif;color:windowtext;mso-fareast-language:EN-ZW'>www.bulls.co.zw</span></a><span style='font-size:10.0pt;line-height:106%;font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'> </span><span style='mso-fareast-language:EN-ZW'><o:p></o:p></span></p><p class=MsoNormal style='line-height:106%;background:white'><span style='font-size:10.0pt;line-height:106%;font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Blog: </span><a href="http://www.google.com/url?q=http%3A%2F%2Fwww.bulls.co.zw%2Fblog&sa=D&sntz=1&usg=AFQjCNFoIy6F9IXAiYnSoPSgWDYsr8Sqtw" target="_blank"><span style='font-size:10.0pt;line-height:106%;font-family:"Verdana",sans-serif;color:windowtext;mso-fareast-language:EN-ZW'>www.bulls.co.zw/blog</span></a><span style='mso-fareast-language:EN-ZW'><o:p></o:p></span></p><p class=MsoNormal style='line-height:106%;background:white'><span style='font-size:10.0pt;line-height:106%;font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Twitter: @bullsbears2010</span><span style='mso-fareast-language:EN-ZW'><o:p></o:p></span></p><p class=MsoNormal style='line-height:106%;background:white'><span style='font-size:10.0pt;line-height:106%;font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>LinkedIn: Bulls n Bears Zimbabwe</span><span style='mso-fareast-language:EN-ZW'><o:p></o:p></span></p><p class=MsoNormal style='line-height:106%;background:white'><span style='font-size:10.0pt;line-height:106%;font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Facebook: </span><a href="http://www.google.com/url?q=http%3A%2F%2Fwww.facebook.com%2FBullsBearsZimbabwe&sa=D&sntz=1&usg=AFQjCNGhb_A5rp4biV1dGHbgiAhUxQqBXA" target="_blank"><span style='font-size:10.0pt;line-height:106%;font-family:"Verdana",sans-serif;color:windowtext;mso-fareast-language:EN-ZW'>www.facebook.com/BullsBearsZimbabwe</span></a><span style='mso-fareast-language:EN-ZW'><o:p></o:p></span></p><p class=MsoNormal style='line-height:106%'><span style='font-size:10.0pt;line-height:106%;font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Skype: Bulls.Bears </span><span style='mso-fareast-language:EN-ZW'><o:p></o:p></span></p><p class=MsoNormal style='line-height:106%'><span style='mso-fareast-language:EN-ZW'><img border=0 width=210 height=101 id="Picture_x0020_2" src="cid:image009.jpg@01D67AAF.EADDACB0" alt="cid:image012.jpg@01D0BFE7.544DF490"><o:p></o:p></span></p><p class=MsoNormal style='line-height:106%'><o:p> </o:p></p></td><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm;height:99.35pt'><p class=MsoNormal style='line-height:105%'><span style='font-family:"Verdana",sans-serif'> <o:p></o:p></span></p></td></tr><tr><td width=910 colspan=4 valign=top style='width:682.8pt;border:solid #BFBFBF 1.0pt;border-top:none;background:#1F497D;padding:0cm 5.4pt 0cm 5.4pt'><p class=MsoNormal style='line-height:105%'><span style='font-size:8.0pt;line-height:105%;font-family:"Verdana",sans-serif'><o:p> </o:p></span></p></td><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm'><p class=MsoNormal style='line-height:105%'><span style='font-family:"Verdana",sans-serif'> <o:p></o:p></span></p></td></tr><tr><td width=910 colspan=4 valign=top style='width:682.8pt;border:solid #BFBFBF 1.0pt;border-top:none;background:#1F497D;padding:0cm 5.4pt 0cm 5.4pt'><p class=MsoNormal style='line-height:105%'><span style='font-size:8.0pt;line-height:105%;font-family:"Verdana",sans-serif'>DISCLAIMER: This report has been prepared by Bulls ‘n Bears, a division of Faith Capital (Pvt) Ltd for general information purposes only and does not constitute an offer to sell or the solicitation of an offer to buy or subscribe for any securities. The information contained in this report has been compiled from sources believed to be reliable, but no representation or warranty is made or guarantee given as to its accuracy or completeness. All opinions expressed and recommendations made are subject to change without notice. Securities or financial instruments mentioned herein may not be suitable for all investors. Securities of emerging and mid-size growth companies typically involve a higher degree of risk and more volatility than the securities of more established companies. Neither Faith Capital nor any other member of Bulls ‘n Bears nor any other person, accepts any liability whatsoever for any loss howsoever arising from any use of this report or its contents or otherwise arising in connection therewith. Recipients of this report shall be solely responsible for making their own independent investigation into the business, financial condition and future prospects of any companies referred to in this report. Other Indices quoted herein are for guideline purposes only and sourced from third parties.<o:p></o:p></span></p></td><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm'><p class=MsoNormal style='line-height:105%'><span style='font-family:"Verdana",sans-serif'> <o:p></o:p></span></p></td></tr><tr><td width=910 colspan=4 valign=top style='width:682.8pt;border:solid #BFBFBF 1.0pt;border-top:none;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt'><p class=MsoNormal style='line-height:105%'><span lang=EN-GB style='font-size:8.0pt;line-height:105%;font-family:"Verdana",sans-serif'><o:p> </o:p></span></p></td><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm'><p class=MsoNormal style='line-height:105%'><span style='font-family:"Verdana",sans-serif'> </span><span lang=EN-US style='font-family:"Verdana",sans-serif'><o:p></o:p></span></p></td></tr><tr><td width=910 colspan=4 valign=top style='width:682.8pt;border:solid #BFBFBF 1.0pt;border-top:none;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt'><p class=MsoNormal style='line-height:105%'><span style='font-size:8.0pt;line-height:105%;font-family:"Verdana",sans-serif'>(c) 2020 <b>Web</b>:</span><a href="http:// www.bulls.co.zw "><span style='font-size:8.0pt;line-height:105%;font-family:"Verdana",sans-serif;color:windowtext'> www.bulls.co.zw </span></a><b><span style='font-size:8.0pt;line-height:105%;font-family:"Verdana",sans-serif'>Email:</span></b><span style='font-size:8.0pt;line-height:105%;font-family:"Verdana",sans-serif'> </span><a href="mailto:info@bulls.co.zw"><span style='font-size:8.0pt;line-height:105%;font-family:"Verdana",sans-serif;color:windowtext'>info@bulls.co.zw</span></a><span style='font-size:8.0pt;line-height:105%;font-family:"Verdana",sans-serif'> <b>Tel:</b> +263 4 2927658 <b>Cell:</b> +263 77 344 1674<o:p></o:p></span></p></td><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm'><p class=MsoNormal style='line-height:105%'><span style='font-family:"Verdana",sans-serif'> <o:p></o:p></span></p></td></tr><tr><td width=910 colspan=4 valign=bottom style='width:682.8pt;border:solid #BFBFBF 1.0pt;border-top:none;background:#F2F2F2;padding:0cm 5.4pt 0cm 5.4pt'><p class=MsoNormal style='line-height:105%'><span style='font-size:8.0pt;line-height:105%;font-family:"Verdana",sans-serif'><o:p> </o:p></span></p></td><td width=6 style='width:4.4pt;padding:0cm 0cm 0cm 0cm'><p class=MsoNormal style='line-height:105%'><span style='font-family:"Verdana",sans-serif'> <o:p></o:p></span></p></td></tr></table></div><p class=MsoNormal><span lang=EN-US><o:p> </o:p></span></p><p class=MsoNormal><o:p> </o:p></p></div></body></html>