The objective of this assignment is to produce a Project Completion Report (PCR) of DFID’s current funding to Financial Sector Deepening (FSD) Trust, which ended 1 August 2010, and a Programme Memorandum (PM) with relevant appraisals for the next phase of funding. The consultants’ report will be used to help make decisions on the next phase of support to expand access to financial services for poor Kenyans. The following areas will be covered by this consultancy: (a) Prepare a Project Completion Report using DFID’s format and also write a report with additional narrative necessary to justify scorings and conclusions; (b) Appraise FSD’s Strategy Concept Note and draft full Strategy document, principally; plus other key documents from organisations conducting similar financial access work in Kenya; (c) Prepare a Programme Memorandum (PM) and all supporting documentation and annexes. Item (b) above is an interim step towards (c). Written outputs would be reflected in the PM and annexes, especially the technical annex.