INSURANCE . RETIREMENT . INVESTMENTS
| ASSOCIATED COMPANIES | COUNTRY OF INCORPORATION | EFFECTIVE PERCENTAGE (%) OF INTEREST HELD |
| Royal Star Assurance (Bahamas) Ltd | Bahamas | 25 |
| Appleclaim | United Kingdom | 41.8 |
| JOINT VENTURES | COUNTRY OF INCORPORATION | EFFECTIVE PERCENTAGE (%) OF INTEREST HELD |
| Servus Ltd | Republic of Trinidad & Tobago | 50 |
| Tobago Plantations Ltd | Republic of Trinidad & Tobago | 25 |
| RGM Ltd | Republic of Trinidad & Tobago | 33.3 |
