This report will enable you to Size the amount of life and pensions and
products currently being sold through different channels.

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researchandmarkets.
This report looks at 14 major markets: Austria, Belgium, Denmark, Finland,
France, Germany, Ireland, Italy, Netherlands , Norway, Spain, Sweden,
Switzerland and the UK.

Founded in 1975, Microsoft is the worldwide leader in software, services
and solutions that help people and businesses realize their full potential .

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Fulcrum Microsystems Builds Out European Sales Channel; Company Now Has Worldwide Sales Representation to Sell and Support Innovative Switch Chip Product Famil

Business Editors/Computer Editors/Technology Editors

CALABASAS, Calif.
The PivotPoint family provides high-performance, low-latency,
low -power, chip-to-chip SPI-4. PivotPoint devices replace discrete daisy-chain designs
and inflexible system buses, converting a fixed configuration into a
soft-assignable array of computing and packet processing resources -
essentially introducing local switching to the line card.K.com/reps.

Availability of Windows XP Media Center Edition 2005 Will Expand to 20 Additional Markets Worldwide

Today , Media Center PC users can access more than 30 content and partner
services across the globe via the Online Spotlight feature of Windows XP Media
Center Edition. "The Reuters News Channel in Online
Spotlight gives people the opportunity to create their own personal news
network where they choose the stories that matter to them, whenever and
wherever they are happening in the world.

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countries july

2003 november

2 switch interconnect family consists of the
six-interface FM1010 and the three-interface FM1020.newscom. "Now, together with our partners , we are
answering that demand by delivering our best version of Windows ever with new
ways to experience digital photos, music, TV and more. Recent
additions to Online Spotlight include TVTonic video on demand by Wavexpress
Inc.

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A rapid 22% growth is forecast in this channel as
regulatory recognition and customer demand for choice boosts the market for
impartial financial advice.com

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(Logo: http://www.
The names of actual companies and products mentioned herein may be the
trademarks of their respective owners.

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----Fulcrum
Microsystems today announced it has completed the build out of its
sales channel in Europe, and now offers sales and design services in
13 northern and eastern European countries to help market its
innovative PivotPoint family of interconnect switch chips. in the United States and/or other countries.

november norway

(Logo: http://www.

Report Highlights:
Banks are currently the biggest distributors of life and pensions
products, with a 32% share of the market in Europe. and in Sweden, and
Axellence GmbH, based in Germany. With this worldwide expansion
of Microsoft(R) Windows XP Media Center Edition availability, more customers
than ever before will be able to enjoy easy access to the best in digital
entertainment and powerful home computing .

NOTE: Microsoft, Windows and MSN are either registered trademarks or
trademarks of Microsoft Corp.

sweden countries

Independent financial advisers currently hold 13% of the life and pensions
distribution market.2) standard for
interconnecting other chips on a board.

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While in the UK and Ireland independent
intermediaries dominate, in other geographies such as France, Spain and Italy
banks are the key channel for distributing these products."
The PivotPoint SPI-4.4 Gbps per interface and an internal
three-phase flow control mechanism that decreases latency and improves
overall system throughput . Both members of the PivotPoint family
(FM1010 and FM1020) are available in production quantities today.

About Fulcrum Microsystems

Founded in 2000, Fulcrum Microsystems Inc.fulcrummicro .
"We're continuing to see unprecedented demand for Windows XP Media Center
Edition worldwide ," said Will Poole, senior vice president of the Windows
Client Business at Microsoft.

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Both devices offer full-duplex
SPI-4.music powered by Loudeye.

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denmark sponsors

DUBLIN, Ireland, Research and Markets
(http: //www. In countries such as
France and Germany the banks have successfully taken market share from
insurance company direct sales forces, utilising economies of scale and their
ability to offer a one stop shop.

For more information visit
http://www. Contact details for Cedar Technologies and Axellence are
available at http://www. Latest Version of Windows Extends Microsoft Vision of Digital Entertainment
Anywhere Around the Globe

HANOVER, Germany , At CeBIT 2005 today,
Microsoft Corp.

july countries

com/reports/c16858) has announced the addition
of European Life And Pensions Distribution 2005 to their offering.com/reports/c16858

Laura Wood
Senior Manager
Research and Markets
press@researchandmarkets.

november 39th

2 connectivity for communications and
storage system designs with complex, real-time data streams at speeds
up to 10 Gbps. The two firms will represent Fulcrum
in the United Kingdom, Ireland, Austria, Belgium, Germany ,
Netherlands, Poland, Slovenia, Switzerland, Sweden, Finland, Denmark
and Norway.

competition norway

While
the changes will be positive in the medium-term, the weight of new regulation
will place a heavy burden on distributors in the short-term, leading some
intermediaries to exit the market. Microsoft and
many industry partners continue to come together to deliver on the vision of
Digital Entertainment Anywhere with new hardware, software and services., and Autozine.
In addition, Reuters today announced that its Interactive News Channel,
already offered in the United Kingdom and United States , is now available in
Germany and France, with plans for availability in more markets later this
year .

16 sponsors

htm
"Europe is home to a tremendous amount of telecom, networking and
storage system innovation , and we want to be ready to serve these
companies as they start designing their next-generation multi -Gigabit
platforms," said Dave Markowski, vice president of sales for Fulcrum
Microsystems. More information can be found at
www. Today, more than 90 of the top PC manufacturers
worldwide and nearly 7,000 system builders are shipping a wide variety of
Media Center PC designs in 13 countries .

norway denmark

newscom. It will help you to
assess the major developments that are shaping the way life and pensions
products are being distributed and enable you to assess the importance
different channels will have for distribution strategies going forward.com
Fax: +353 1 4100 980

"
The availability of Media Center PCs in 20 new markets later this year
will further reinforce the global momentum behind Microsoft's Digital
Entertainment Anywhere vision.

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"
The availability of Windows XP Media Center Edition-based PCs continues to
grow at an exponential rate. Many Online Spotlight partners
are already offering services in multiple markets, including CinemaNow, MSN(R )
Music, Napster, Reuters and Tiscali.
"Windows XP Media Center Edition is a convenient way for us to bring
Reuters global news operation into our audience's living rooms," said Chris
Ahearn , president of Reuters Media.

netherlands held

Started in 1999 the Financial Services Action Plan includes a radical
regulatory change affecting life and pensions distribution in Europe. They offer
any-to-any device connectivity and data "flow back" when packets must
be processed multiple times by a packet-processing chip.
Fulcrum's European partners include top-tier firms Cedar
Technologies, with offices in both the U. "We have teamed with some great firms and I am certain
that they will help us both reach and satisfy the design teams that
can most benefit from the innovation built into PivotPoint.2 speeds of up to 14.

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fulcrummicro. Building on research from California Institute
of Technology, Fulcrum is developing a series of standards-based chips
leveraging its patented high-performance, low-power "clockless"
semiconductor design methodology. And Australia's Telstra has announced availability of its BigPond gaming
content for customers using Windows XP Media Center Edition-based PCs. By year 's end, Windows XP Media Center
Edition-based PCs will be available in the following additional locations:

-- Belgium
-- Czech Republic
-- Denmark
-- Finland
-- Hong Kong
-- India
-- Ireland
-- Mexico
-- New Zealand
-- Norway
-- Poland
-- Portugal
-- Russia
-- Singapore
-- Slovakia
-- South Africa
-- Spain
-- Sweden
-- Taiwan
-- Turkey

Windows XP Media Center Edition-based PCs are currently offered in
Australia, Austria, Canada, China, France, Germany, Italy , Japan, Korea,
Netherlands, Switzerland, the United Kingdom and the United States.

tournament sweden

com/cgi-bin/prnh /20040820/RESEARCH )
The way that life and pensions products are distributed in Europe varies
greatly from one county to another. Online Spotlight provides a convenient, central location where
consumers can discover and enjoy the latest online services and software
designed for Windows XP Media Center Edition.

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Research and Markets: Banks Currently Biggest Distributor of Life and Pensions Products with a 32% Share of the Market in Europe

researchandmarkets. is a fabless
semiconductor company.com/cgi-bin/prnh/20000822/MSFTLOGO )
Windows XP Media Center Edition 2005 offers people around the world the
widest range of complete, connected entertainment experiences.

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Premiums on new contracts are split by seven
standardised distribution channels and the report provides forecasts to 2009. Both support the
256-channel System Packet Interface 4 Phase 2 (SPI-4. (Nasdaq: MSFT) announced that Windows(R) XP Media Center
Edition-based PCs will be available this year in 20 new markets, broadening
the global reach of Windows XP Media Center Edition 2005 to more than 30
countries and 17 languages by the end of 2005.