Sagicor Financial Corporation is synonymous with world-class financial services in the Caribbean. This dynamic, indigenous company, with a proud history dating back to 1840, has been redefining financial services in the Caribbean, and has built a strong base from which to expand internationally. Sagicor operates in 21 countries in the Caribbean, Latin America, the UK and the US. Sagicor has developed an incomparable reputation because of its financial stability. That solid reputation is based on the Company’s excellent financial performance and financial prudence over the years. Our insurance subsidiaries, Sagicor Life Inc, Sagicor Capital Life and Sagicor Life Jamaica Limited, are consistently rated “A” (Excellent) by A.M Best and Company and Sagicor Life Inc, has a financial strength rating of BBB+ from Standard and Poor’s. Our new US subsidiary, Sagicor Life Insurance Company is rated “A-" (Excellent) by A.M Best. In 2006, our principal operating subsidiary, Sagicor Life Inc (SLI) obtained a Financial Strength rating of BBB+/Stable from Standard & Poor’s. Sagicor’s objective is to create a leading international financial services group which provides world class products and services to our customers, while generating excellent returns for our shareholders. We intend to achieve that objective and we have formulated a strategy that will enable us to do so by exploiting our key strengths. The elements of that strategy are: Expand internationally and in the Caribbean; Expand and develop products to offer a wider range of financial products and services; To streamline new and existing operations to improve efficiency and deliver value to our customers; and To optimize the use of our capital to maximize shareholder returns.