Zimnat launches another innovative billboard campaign
By Shingirai Mazambani
Motorists driving towards Harare’s city centre along Borrowdale Road are likely to be surprised to see just before the racecourse what appears to be boulders falling from a container on a billboard and a car beneath the billboard that appears to have collided with them.
This is our latest innovative billboard advert intended to illustrate how unexpected accidents can occur, the implication being that it is wise to be insured against accidents.
“Whatever life delivers, Zimnat makes it better,” is the message displayed on the billboard. The message here is that whatever life throws at you, Zimnat can make the situation better.
The 3D advert which includes a realistic looking container and a real wrecked car at the foot of the billboard, makes the scene that is portrayed of a car colliding with falling boulders look realistic. This makes the advert dramatic and unique.
The billboard was launched exactly a year after we made headlines with our award winning 2018 billboard campaign, which included a real car embedded in a wall in the city centre.
With this billboard we hope to replicate the success of last year which saw us winning an award for the Best Outdoor Advert of the Year at the Marketer’s Association of Zimbabwe Exceptional Marketing Awards.
We have also revamped all our billboards across the country to communicate our new theme of how we make life better for our customers.
The messaging on the billboards covers all Zimnat business units, which include general insurance, life insurance, asset management and micro finance.
In a dramatic twist of events the billboard made social media headlines immediately after its installation when the wrecked car at the foot of the billboard was vandalised resulting in the wheels being stolen.
A true reflection of what may happen after any accident. However thanks to the Zimnat General motor insurance cover the wheels were replaced in 2 days reiterating our commitment to making life better for our customers in their time of need.
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milkShake
Sanlam hosted a graduation ceremony for the 2019 Cohort of the Sanlam Senior Leadership development program in September. The program attracted leaders from African countries where Sanlam is represented.
Zimbabwe was well represented by a team of 5 (Imagine Acacia) which was made up of senior leaders drawn from the Masawara Insurance group of companies. As part of the training program the country teams were asked to come up with a viable business plan which they were to pitch to Sanlam for buy-in.
Team Imagine Acacia were awarded the best business pitch out of 10 countries further highlighting the great talent within our ranks.
Team Imagine Acacia decided to think outside of the proverbial box and came up with “a milkShake” for all the Zimnat products on one platform.
The project called milkShake is a platform that will allow Zimnat customers to create a mix of the Zimnat products according to their financial capacity and preference.
The business world is gravitating towards financial inclusion, and with the new milkShake Team Imagine Acacia hopes to change the Zimbabwean non-banking financial services sector as we know it.
With the Masawara Group having already acquired a 50% stake into the trademarked brand, Milkshake is the next big thing to happen to insurance in Zimbabwe. Keep looking out for more developments on milkShake!
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How Exercise Combats Stress and Improves Mental Health
By Shadreck Mhlanga
Exercise is excellent for improving many different aspects of our physical wellbeing and is especially beneficial for our mental and emotional health.
Exercise and mental health go hand in hand, and of recent, science has a lot to contribute to this topic.
Let's look at the mental health benefits of exercise and see why we feel like a million bucks after a spin class or get that post-working out "high" after a morning run – as well as the long-term health benefits.
Mental health benefits of exercise
Helps with managing major depressive disorder
After reviewing several randomised trials testing the efficacy of exercise on chronic depression, a team of researchers found that participants who trained for three or more sessions each lasting 45 to 60 minutes saw a notable improvement in their symptoms.
On average, the participants began noticing a difference after around four weeks of regular exercise. Still, the researchers suggest working out regularly for at least 10-12 weeks to start seeing more quantifiable results.
Anxiety relief
You’ve probably heard of runner’s high, that energised feeling and sense of euphoria you get after an intense workout. That’s due to your body releasing hormones - enkephalins and endorphins - that can improve your mood and relieve stress. Although these feel-good hormones are integral for creating this sensation, the fact is, exercise also a great way to refocus and feel rooted in the present moment.
Think about it – when you concentrate on an intense workout, what do you think about most of the time?
Probably about how you're out of breath, how your feet are running in sync with the beat of the music you're listening to, or maybe how much your arms are burning while lifting weights.
Focusing on your body rather than ruminating about worries can help you realize you're more than your thoughts.
May help with confidence and self-esteem
Low self-esteem and confidence levels are common among people suffering from mental illnesses or distress. Exercise shines in this realm once again.
Just think about how great you feel when you complete a workout, especially when you weren’t in the mood to work out in the first place.
Small accomplishments like these can add up and make you feel fantastic.
By creating a workout plan that you can stick to – and setting goals that you can achieve – you’ll start feeling a sense of achievement that will continue to grow as you keep moving forward with your training.
In one study published in the journal Psychology of Sport and Exercise, researchers found that feelings of wellbeing and heightened self-confidence improve after just 30 minutes of exercise.
In this study, the effects analysed lasted around 20 minutes following the exercise session, but as we discussed earlier in the case of depression, exercise seems to have an impact that's more far-reaching when it's completed regularly over several weeks.
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Diaspora Funeral Cash Plan Communique
Zimnat would like to clear the air and give accurate information with respect to Diaspora Funeral Cash Plan (DFCP) policies. The background to this are the recent media reports surrounding alleged changes to the above existing policies.
The relationship between Zimnat and Destiny Financial Services T/A as DFCP
Since January 2012, Destiny Financial Services has been an appointed agent of Zimnat Life Assurance for the DFCP product with the primary mandate to promote, market and extend the sale of funeral cover plans to Zimbabweans in the diaspora through online channels for a commission. To this end and in line with insurance laws, Zimnat operated and continues to operate as the underwriter. An underwriter is a registered life office whose primary responsibilities are to assume the insured risk against payment of the applicable premium, issue policy documents, maintain the policy and settle claims from policy holders in line with the terms and conditions of the product. The relationship between the client and the underwriter begins the moment a policy application has been accepted and a policy document has been issued, subject to payment of premiums.
The Nature of the DFCP Product
DFCP is a long-term funeral cover where one pays premiums for twenty years (20) and is covered for the rest of their lives after the premium paying period. An important point is that premiums must be paid consistently to maintain cover. A lapse will occur where a policy holder fails to pay premiums for a consecutive period of three (3) months. If a policy lapses, unfortunately, all benefits under the policy are lost. The insurance industry is a highly regulated industry. The DFCP product is registered as is required by law with the Insurance and Pension Commission (IPEC) of Zimbabwe and the exchange control division of the Reserve Bank of Zimbabwe (RBZ). IPEC, the insurance regulator in Zimbabwe and RBZ, have approved the issuing of policies in foreign currency for Zimbabweans living in the diaspora. These policies shall be maintained and paid out in foreign currency.
The migration of policies to another insurer
The DFCP policy is a contract between the policy holder and the underwriter. Both the policy holder and underwriter have to agree to a migration of the policy to another underwriter or to any material change of the products or its terms and conditions. A third party, such as a marketing agent like Destiny Financial Services, has no power to migrate a policy to another underwriter or otherwise change the product or its terms. Zimnat has not moved or authorised the movement of policies or contract to any new provider or underwriter.
Security of funds against currency and country risk
Due to the prevailing macro-economic environment in Zimbabwe and upon the request of Zimnat, RBZ has granted authority to ring fence funds related to DFCP for investment offshore. This guarantees the ability of Zimnat as the underwriter to settle claims in the currency contracted. Further to this it is important to underscore the security of policy holder funds with Zimnat for the following reasons:
- Zimnat is a leading financial services brand in Zimbabwe
- Zimnat is in partnership with Sanlam, which is the largest non-banking financial services company on the African continent
- Zimnat has a Global Credit rating of A-
- Zimnat works with the best local and global reinsurers available
- Zimnat employs and has access to the best actuaries in the world
Zimnat responses to some specific allegations made through the media
1. “The currency volatility in Zimbabwe is very bad for long term investments like DFCP…… adoption of RTGS as the official currency wiping off people’s USD savings, investments and policies.”
Our Response
- IPEC and RBZ have given authority to ring fence funds related to DFCP for investment offshore with a view to guarantee the ability of Zimnat as the underwriter to settle claims in the currency and to the value contracted.
- The Government of Zimbabwe has been unequivocally supportive of diaspora related products. Circular 13 of 2019 from IPEC dealing with the authority to offer selected insurance policies in foreign currency, coming after the gazetting of Statutory Instrument (S.I) 142 Of 2019, gives provisions to this effect.
- As a policy, Zimnat engages internationally reputed Re-Insurers to carry any risk that Zimnat cannot carry, including but not limited to currency related risk. In simple terms, Zimnat has in place sufficient protections to guarantee the settlement of all DFCP claims in foreign currency.
2. “Policy holders lost money on Gadziriro (“USD” Funeral cover)”
Our Response
- Gadziriro (“USD” Funeral cover) is a local product. As promulgated by Circular 13 of 2019 from IPEC dealing with the authority to offer selected insurance policies in foreign currency, coming after the gazetting of Statutory Instrument (S.I) 142 of 2019, existing foreign currency- denominated products (like Gadziriro) shall run to their natural expiry. Claims will be settled in the contracted currency.
3. “Zimnat Life operates 100% in Zimbabwe and invest in bond notes/ RTGS”
Our Response
- Zimnat is part of the Sanlam group, which is the largest non-banking financial services company on the continent, with a footprint across 33 countries and has over 90 operating businesses in Africa and Asia. Our investment portfolio is likewise diversified into different investment locations, investment types and investment currencies
4. “Zimnat Is Refusing to be dropped as an Underwriter”
Our Response
- It is not possible to drop an underwriter from an insurance policy or contract. The alleged dropping of Zimnat as an underwriter by Destiny Finance is a non-event.
- Zimnat cannot stop a non-exclusive agent like Destiny Finance from engaging an underwriter of their choice, particularly to sell new business. However, Zimnat as a responsible financial services provider with a fiduciary responsibility to policy holders, has an obligation to all/ existing clients to give them sound financial advice. Zimnat also has an obligation to support existing policy holders in their decision making with regards to their policy.
- In this instance, our existing policy holders stand to potentially lose in the event of lapsing their policy. It is not possible for Destiny Finance to transfer the Zimnat Life policy to another insurer. It is therefore incumbent upon the policy holder to satisfy themselves as to the terms and conditions of any prospective new policy on offer. Zimnat is available to provide clarity, support and any other services that might be required by its clients.
Zimnat’s commitment to our current and future clients
Zimnat will honour and pay all obligations as they fall due for policies that remain valid. Zimnat looks forward to maintaining policies for our existing policy holders. Should you require any clarity, kindly call us or WhatsApp us +263772175991 or reply to the email customercare@zimnat.co.zw.
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GCR upgrades Zimnat General Insurance rating to A+
Global Credit Rating (GCR) has revised Zimnat General Insurance’s national scale financial strength (insurance rating) rating to A+(zw) Stable Outlook, from its previous rating of A-(zw). The financial strength rating (formerly claims paying ability) went up two notches.
GCR is the leading emerging market focused ratings agency, rating the full spectrum of security classes based on the best international standards. It accords both International Scale and National Scale ratings. Together with its international affiliates, it rates almost 3 000 organisations and debt issues spanning four continents.
The rationale for Zimnat General Insurance’s new rating
Explaining the rationale for Zimnat General Insurance’s new rating, GCR said the insurance company’s national scale financial strength rating “reflects support from a sound business profile and a disciplined approach to underwriting and capital management”.
“Offsetting these strengths is liquidity moderation on the back of value preserving strategies, reflecting uncertainties presented by the operating environment.
“The insurer has maintained strong brand recognition and evidenced healthy growth momentum over the review period, with a significant increase in market share in the 2018 financial year, underpinned by comparatively high risk uptake in key lines of business,” GCR said.
Zimnat General Insurance chief executive officer Stanley Mazorodze said the rating should see clients enjoying enhanced security, innovative insurance products and continued timely claim payments.
“More operational flexibility comes with such a good rating, positioning the company to be a strong short-term insurer of choice.
“The company will boost its capacity to exercise its philosophy of providing the market with realistic insurance cover products that help clients achieve their set objectives and make their lives better,” he said.
‘To sustain this record A+ rating, Zimnat General Insurance will continue to be creative in developing practical risk solutions for the market and inventive in delivering products best suited to its clients’ needs. We have every intention of making the lives of all our stakeholders better,” he added.
Zimnat General Insurance is a part of the Zimnat group, a diversified financial services group made up of Zimnat General Insurance, Zimnat Life Assurance, Zimnat Microfinance and Zimnat Asset Management. Zimnat is a partner of Sanlam, the largest non-banking financial services group on the continent.
Kwedu/Ngekhaya funeral plan for Zimbabweans in the diaspora
Zimnat Life Assurance has introduced Kwedu/Ngekhaya, a funeral plan for Zimbabweans living in the diaspora. The plan pays out up to USD60 000 for a family of six for those in countries such as the United Kingdom, United States of America, Australia, Canada and others. It pays to ZAR210 000 for those in Southern Africa.
For a premium of USD23.50 per month, a husband, wife and four children in United Kingdom, United States of America, Australia and Canada are each covered for USD10 000, meaning altogether the benefit is USD60 000. In the event of death, the funds are paid out to ensure funeral, repatriation costs and all services are covered. For those in Southern Africa, for a premium of ZAR189 per month, a husband, wife and four children are each covered for ZAR35 000, with the total benefit being ZAR210 000 which in the event of death, will also be paid out to cater for funeral and travel expenses.
Why do you need this Plan?
An estimated 3 million Zimbabweans are living in the diaspora and many struggle to fund for repatriation and funeral expenses in the event of death and end up resorting to donations and crowd funding for that final journey back home. Zimnat; whose purpose is to make life better, realised the hustle and difficulty that people go through to fund for repatriation, with some resorting to ‘Go fund me’ crowd funding to raise funds. There was also a need to extend the purpose of making life better for all Zimbabweans regardless of where they are in the world, hence the introduction of Kwedu/Ngekhaya.
The plan will enable Zimbabweans abroad to get a solution that gives them peace of mind knowing that they are guaranteed of that final journey back home, where their roots lie and that their family back home is guaranteed of a befitting send off in the event of death.
Kwedu/Ngekhaya Plan Pricing
The minimum cover per person is USD2500 whilst the maximum is USD20 000 and customers are free to choose a cover that meets their needs within the available ranges. For an additional charge, one can add parents and other extended family members.
Premiums for Kwedu/Ngekhaya are payable monthly, quarterly or on an annual basis. The plan also has an option for vigil and tombstone cover, does not have any waiting period in the event of accidental death and no medicals are required to sign up.
The policy can be applied for, online through Zimnat’s self-help web portal, selfcare.zimnat.co.zw. On the same platform, locals in Zimbabwe can also refer friends and family to sign up for Kwedu/Ngekhaya.
Zimnat Life Assurance is part of the Zimnat Group comprising of Zimnat General Insurance, Zimnat Asset Management and Zimnat Microfinance. The group is associated with Sanlam South Africa, the largest non-banking financial services group on the continent. The group is driven by a purpose to make life better.
Zimnat Social Media Followers Win Trip To Cape Town Marathon
By Byron Adonis Mutingwende
Zimnat today announced the social media winners of an all-expenses-paid trip to Capetown to participate in the Sanlam Marathon on September 15 and briefed the winners, Tariro Makanga and Lilian Choruwa, on what to expect in Capetown. Tariro and Lilian both live in Harare. Tariro, who lives in Highlands, is a broadcast journalist with a private media company, while Lilian, who lives in Borrowdale Brooke, works for a legal firm as a conveyancer. The marathon, which is the only Gold status marathon on the African continent, every year attracts 23 international running clubs and more than 15 000 runners, including some world class athletes.
Zimnat decided to give two social media followers the experience of a lifetime by running a competition on its social media platforms for the all-expenses paid trip to Capetown to participate in the marathon. Entrants to the competition could either tag a Zimnat social media page with a video or picture of how they would get ready for a marathon with a partner or a friend or else tag Zimnat in a posted video of them sharing a story about someone who helped them on their life’s journey.
This was in line with the theme of the marathon, which is Life Is A Marathon, You can’t do it alone. The winning entry was the one with the most likes. The competition attracted an overwhelming number of submissions. A total of 55 000 people were reached, with 4 231 engagements, 914 likes and 612 comments in just one week. Tariro managed to secure the tickets for herself and Lilian with 327 likes. Zimnat is sending them both to Capetown so that they encourage and motivate each other as they take on the 10km race. Zimnat Group Marketing Executive Angela Mpala took the winners through what they had won and the activities awaiting them in Capetown, during a handover ceremony at Zimnat House in Harare today.
They are set to depart on September 14 on a direct flight to Capetown, where they will experience world-class service at the Radisson RED, the 4,5 Star hotel where they will reside and dine for the duration of their stay.The pair will run the marathon the following day, after which they will be taken on a sightseeing tour of Capetown. They will travel back to Zimbabwe the next day, September 16. They could hardly contain their excitement at the handover ceremony.
“We are excited. We have been running marathons for years and are glad it has reaped rewards. This win coincides with Lilian’s birthday, which makes it an especially welcome celebration. We are proud to be associated with Zimnat,” Tariro said. Zimnat is also sending to Capetown two staff members, who won the trip in a separate promotion for staff.
Zimnat Group CEO Mustafa Sachak said he was pleased with the huge response to the promotion. “With this promotion we have managed to cover our most important stakeholders, who are our clients and our staff. In line with our purpose of making life better, we always want to promote health and wellness. We are pleased with the overwhelming response we have received,” he said.
Ms Mpala said those who wanted to stay updated on the winners’ journey and share their travels, experiences and stay in Cape Town could do so by visiting Zimnat’s social media pages. Zimnat is associated with Sanlam, the largest non-banking financial institution on the continent. It offers businesses and individuals a variety of products, including motor insurance, home insurance, life assurance, travel insurance, funeral cover, health and accident insurance, pension schemes, unit trusts and private wealth management.
Zimnat marathon beneficiary scheduled for surgery
Cebisani Ndlovu, the 30-year-old Bulawayo man for whom Zimnat organised a fund-raising marathon last November, is provisionally booked for spinal surgery in the second week of next month.
The half-marathon Zimnat organised at Barclays Sports Club in Harare to raise funds for Mr Ndlovu’s spinal surgery raised almost $7 000, only $500 short of the $7 500 it was estimated at the time would be required for the surgery.
So far Zimnat has paid $8 654.94 for hospitalisation, doctor’s fees, a surgical assistant and the anaesthetist, in addition to $550 for a Magnetic Resonance Imaging (MRI) scan.
“We are glad to have been able to make Cebisani’s surgery possible. His surgery has been tentatively scheduled for the second week of February.
“We should like to thank all those who helped us to help Cebisani by participating in the marathon we organised on November 10 last year,” said Zimnat group marketing executive Angela Mpala.
There was a huge turnout for the marathon, with 740 people taking part in the half-marathon or shorter runs, while others who did not run donated towards the total amount raised for Mr Ndlovu’s surgery.
Mr Ndlovu, who has difficulty walking, even with the aid of crutches, which he first started using in Form One, witnessed the fund-raising marathon and chatted to some of the participants.
“Zimnat is committed to making life better for others. We were moved by the plea of this young man, who holds a Bachelor of Commerce Honours degree in Risk Management and Insurance but has been unable to obtain a job due to his disability.
“We decided to ask members of the public to help us assist him and they responded magnificently,” she said.
Investors need to avoid market jitters and stay the course
By Rishay Lalla
The recent inflation spike coupled with volatility on the parallel market, low interest rates and a hazy economic outlook are just a few ingredients of what seems to be a rather distasteful beverage being served to investors in Zimbabwe.
Media coverage has raised toxicity, fuelling anxiety levels through providing endless, sometimes contradictory, commentary on what actions individuals should take, the prize enigma being whether “this time is the same or similar to the previous woes of 2008”.
For one, the character of Mr Market (the Zimbabwe Stock Exchange) has been rather different. Volatility has been fuelled by strong perceptive emotions by investors on the bourse. Being wise to the corrosive nature of currency depreciation has resulted in significant speculative behaviour on the stock market, thereby elevating inherent risk levels.
The question now for some is whether to cut losses and get out or perhaps hold onto stocks, maintaining an investment as a buffer or hedge.
With the stock market having risen more than 50 percent this year, just how affordable are these stocks for a local investor whose salary has not increased by this much?
It has become increasingly important, therefore, to ensure that, if one is investing on the stock market, the right stocks are being held in a portfolio.
It is not enough to secure your hard-earned savings by buying “good and strong” stocks. A sure way to lose value is by purchasing great stocks at excessive prices. Without realising it investors can be stuck in a pattern of panic buying over-priced stocks for fear of losing more value. How does one understand value in this opaque economic climate?
Gains for seasoned investors are not won on daily market oscillations but rather from growth experienced over many years. The economy will eventually settle. So, what’s the right move in this tumultuous environment?
“All intelligent investing is value investing acquiring more than you are paying for. You must value the business in order to value the stock,” advises American investor and businessman Charlie Munger.
Staying the course involves investing in quality stocks at good prices. It negates the need for stock market gambling. Invest in profitable companies with good corporate governance, value addition and potential for growth. Stock prices will eventually reflect the true value of the underlying companies. It is best to own shares in a few select companies that will help to build wealth over time.
This, though, is only one part of the investing equation, since it focuses on just one investment class. We have all heard of the idiom ‘don’t put all your eggs in one basket’. Balancing one’s investment, however, can be quite daunting, especially where you cannot see the price of the investment every day or where a property investment is not visible or listed on a stock exchange.
Fortunately, Zimnat Asset Management is equipped with the right people, skills and tools to safely navigate investment of your hard-earned savings or retirement funds. Accurate interpretation of information by experienced professionals provides a clear advantage in the investment world.
ZAM’s investment services go beyond stock market investments. They include bonds, money market and alternative investments as well. The research team keeps up with market trends and financial news to ensure that clients’ strategies remain on track to achieve long-term growth. This is all part of Zimnat’s endeavour to make life better.
Asset management is key to long-term financial planning
In an effort to make life better, Zimnat offers services essential for prudent wealth management, from insuring wealth to providing short-term financing solutions and long-term financial planning.
Long-term financial planning is a rich discipline with a myriad of tools. Asset management is one of the key tools at one’s disposal in the quest for long-term financial planning.
The asset manager’s goal is to protect and grow the client’s wealth through investment vehicles in equities, fixed income securities, property and other structured investments. The mysterious science behind it is simply in-depth analysis of economic and political information that allows for efficient allocation of capital.
Pension funds and corporates are usually familiar with the need for long-term financial planning.
Pensioners should be able to comfortably live off the income from their annuity for the rest of their life (if they've put enough money into it). Providing this level of financial security for ordinary people is a pension fund's primary aim and, in the current climate, a serious investment challenge.
For corporates, capital accumulation is important for business expansion. It is required to support the process of establishing new subsidiaries and building them into successful entities that can provide them with a strong return on their investment.
Zimnat Asset Management provides discretionary and non-discretionary investment management and advisory services to pension funds, life assurance companies and corporate companies, as well as high net worth individuals and families.
Each client’s investments are managed according to a specific strategy, which is extensively discussed and reviewed periodically to align the client’s portfolio and investment objectives.
Unlike the entities mentioned above, ordinary individuals are usually not inclined to think in terms of long-term financial planning. When they do, investing and savings are viewed as the same thing.
Savings are part of one’s income set aside in one’s bank account or under one’s pillow or as contributions to a savings club for spending at a future date.
However, investments are savings that generate returns through, for instance, dividends, interest or rentals. Investments, when managed correctly, increase in value over time, allowing one to sell at a profit.
Individual investment contributes to financial security and independence. It allows one to build wealth faster and thereby attain certain goals, such as buying a home, saving for retirement or starting a business.
Ordinary individuals are hesitant to invest, because investment tends to be associated with large sums of money.
Unit trusts are investment vehicles that pool investors’ money into a single fund, which is managed by a fund manager. It does not matter how much an individual investor contributes to the fund pool. It can be as little as $150.
Zimnat Asset Management operates several unit trust funds that offer exposure to money market instruments, quoted equities and bonds.
Management of risk is an important factor in long-term financial planning. It not only considers economic fundamentals but the political environment, international relations, the corporate governance practices of listed companies and changes in investment regulations, as well as the social responsibility of the individual or corporation with the wealth.
Zimnat Asset Management continually assesses client portfolios to ensure they are structured according to the underlying risk appetite of each client, with the ultimate objective of hedging against potential capital loss.
In a nutshell, whether you are an individual or corporation, an asset manager will aid you in achieving your long-term financial goals.
Zimnat Asset Management provides innovative investment solutions aimed at meeting the wide-ranging requirements of its clients.
Zimnat is a diversified financial group made up of four business units, namely Zimnat General Insurance, Zimnat Life Assurance, Zimnat Financial Services and Zimnat Asset Management. It is associated with Sanlam, which is the largest non-banking financial services group on the continent.
For more details contact us on e-mail customercare@zimnat.co.zw or call us on 024‑2707582/3/5/6. Website: www.zimnat.co.zw