General Information and Disclosures

BERMUDA

Colonial Group International Ltd. (“CGI”) is a Bermuda based company with insurance and pension operations in Bermuda and the Caribbean. CGI is a holding company for regional operating companies in Bermuda, the Bahamas, Cayman Islands, Turks and Caicos Islands and British Virgin Islands with incidental business in other parts of the world (as provided below).

Colonial Insurance Company Limited is licenced as a Class 3A Insurer by the Bermuda Monetary Authority.

Colonial Medical Insurance Company Limited is licensed as a Class 3B Insurer by the Bermuda Monetary Authority. Colonial Medical Insurance Company Limited is registered with the Bermuda Health Council and is authorized to undertake health insurance business.

Colonial Pension Services Ltd. is licenced to conduct Investment Business by the Bermuda Monetary Authority. Colonial Pension Services Ltd. acts as pension administrator for Colonial Private Trustee Limited.

Colonial Life Assurance Company Limited is licenced as a Class C Insurer by the Bermuda Monetary Authority.

The Colonial Master Retirement Trust (a trust established under the laws of Bermuda) is registered with the Bermuda Pension Commission pursuant to the National Pension Scheme (Occupational Pensions) Act 1998. Colonial Pension Services Ltd. is the approved administrator of the Colonial Master Retirement Trust.

Colonial Private Trustee Limited acts as trustee of the non-registered pension plans administered by Colonial Pension Services Ltd.

Colonial Insurance Brokers Limited is licensed as an Insurance Broker by the Bermuda Monetary Authority.


BAHAMAS

Security and General Insurance Company Limited is licenced as a General Insurer by the Insurance Commission of the Bahamas.

Atlantic Medical Insurance Limited is licenced as a Long Term Insurer by the Insurance Commission of the Bahamas.

Colonial Pension Services (Bahamas) Limited is licenced as a firm (i) dealing in securities as agent; (ii) arranging deals; (iii) managing securities; and (iv) advising on securities by the Securities Commission of the Bahamas.


CAYMAN

British Caymanian Holdings Company Limited is a Cayman Islands holding company which owns British Caymanian Insurance Company Limited and British Caymanian Insurance Agencies Limited.

British Caymanian Insurance Company Limited is licenced as a Class A Insurer by the Cayman Islands Monetary Authority.

British Caymanian Insurance Agencies Limited is licenced as an insurance broker by the Cayman Islands Monetary Authority. British Caymanian Insurance Agencies Limited acts as agent to Colonial Life Assurance Company Limited, Colonial Medical Insurance Company Limited and Colonial Pension Services Ltd. in the Cayman Islands.

Colonial Medical Insurance Company Limited is licenced as a Class A Insurer by the Cayman Islands Monetary Authority.

Colonial Pension Services Ltd. holds a restricted trust licence with the Cayman Islands Monetary Authority.

Colonial Pension Services Ltd.’s pension plan is registered with the Cayman Islands National Pensions Office.

Colonial Life Assurance Company Limited is licensed as a Class A Insurer by the Cayman Islands Monetary Authority.


BRITISH VIRGIN ISLANDS

Colonial Insurance (BVI) Limited is licensed as a Category A Insurer by the British Virgin Islands Financial Services Commission.

Colonial Insurance Company Limited is licenced as a Category B Insurer by the British Virgin Islands Financial Services Commission.

Colonial Medical Insurance Company Limited is licenced as a Category B Insurer by the British Virgin Islands Financial Services Commission.

Colonial Life Assurance Company Limited is licenced as a Category B Insurer by the British Virgin Islands Financial Services Commission.


TURKS & CAICOS ISLAND

Colonial Insurance Brokers Limited is licenced as an Insurance Broker by the Turks and Caicos Islands Financial Services Commission.

Security & General Insurance Company Limited is licenced as an Insurer by the Turks and Caicos Islands Financial Services Commission.

Colonial Medical Insurance Company Limited is licenced as an Insurer by the Turks and Caicos Islands Financial Services Commission.


BARBADOS

Colonial Medical Insurance Company Limited is licenced as an Insurance Company to carry on ordinary life insurance business, industrial life insurance business, accidental and sickness insurance business and group life insurance business by the Barbados Financial Services Commission.


INTERNATIONAL

CGI is the global brand used by Colonial Group International Ltd. and its subsidiaries. In Bermuda the subsidiary companies which are part of the CGI Group are Colonial Insurance Company Limited, Colonial Medical Insurance Company Limited, Colonial Pension Services Ltd., Colonial Life Assurance Company Limited, Colonial Insurance Brokers Limited and Colonial Private Trustee Limited. In The Bahamas the subsidiary companies of CGI are Security and General Insurance Company Limited, Atlantic Medical Insurance Limited and Colonial Pension Services (Bahamas) Limited. In the Cayman Islands the subsidiary companies of CGI are British Caymanian Holdings Limited, British Caymanian Insurance Company Limited and British Caymanian Insurance Agencies Limited which operate under the name of BritCay. In the BVI the subsidiary company of CGI is Colonial Insurance (BVI) Limited.

CGI’s subsidiary companies are licensed or otherwise approved to transact business in various countries and jurisdictions. Several of CGI’s subsidiary companies hold various licences to operate in multiple jurisdictions. Certain services and products described on this website are not available to all users due to regulatory restrictions.

Colonial Insurance Company Limited, Colonial Medical Insurance Company Limited, Colonial Life Assurance Company Limited, Security and General Insurance Company Limited, Atlantic Medical Insurance Limited and British Caymanian Insurance Company Limited are rated A- (Excellent) by A.M. Best.


GENERAL DISCLOSURES

Personal Use. This website is intended only for your personal non-commercial use, unless otherwise agreed in writing.

All investments bear risk and there can be no assurance that the investment objective projected will be achieved. The risk of loss from investing can be substantial. Clients must be prepared to bear the risk of loss on their investment.

Investment return is uncertain and may vary significantly from what is stated or implied. Additionally, past performance is not indicative of future returns.

The material contained on this website is not to be regarded as an offer to buy or sell or the solicitation of any offer to buy or sell securities in any jurisdiction where such an offer is against the law, or anyone to whom it is unlawful to make such an offer or solicitation, or if the person making the offer or solicitation is not qualified to do so.

The information contained on this website does not constitute legal, tax, or investment advice. The information provided is for general guidance and is intended to offer the user general information of interest. You must not, therefore, rely on the content of this website when making any investment decisions and should seek appropriate professional advice.

CGI makes no representation or warranty, whether expressed or implied, as to the fairness, timeliness, accuracy and/or completeness of the information provided on this website. All information should be independently verified. All views expressed are subject to change without notice.


WEBSITE

CGI intends to use this website as a means of disclosing material information and complying with its disclosure obligations under various laws and regulations. Accordingly, clients should monitor this disclosure section of CGI’s website frequently and review before making any decision to purchase a product or service.

This website, including all related equipment, networks, and network devices are provided for authorized users only. All records, reports, email, software and other data received by or residing upon this website are strictly confidential and the property of CGI. Any unauthorized user who knowingly accesses this website, or knowingly modifies the contents of this website may be guilty of an offense.


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