Corporate Social Responsibility Report 2018 2

Contents

Message From our President & CEO ...... 3 A Snapshot of our Achievements ...... 4 01 Caring. Inspiring. Serving...... 5 Education ...... 7 Health ...... 10 Community & Youth Development ...... 12 Sport ...... 15

02 Human Capital Report 2018 ...... 18 03 Technology Highlights ...... 25 3 OUR ROLE IN SOCIETY IS BROADER THAN SIMPLY THE FINANCIAL IMPACT OF WHAT WE DO.

Strength to Strength MESSAGE FROM OUR PRESIDENT & CEO

It.is.my.pleasure.to.address.you.in.our.2018.Corporate. customers..We.will.persist.with.our.recruitment.and. Social.Responsibility.(CSR).and.Human.Capital.Report.–. engagement.strategies,.continuing.to.attract.and.retain. two.areas.of.grave.importance.for.us.here.at.Sagicor..It. the.industry’s.best,.and investing.in.them to assist.us.in. Dr. Dodridge Miller should.be.paired.with.our.2018.financial.results.and. imparting.the.wise.financial.knowledge.which.helps.to. serves.as.an.able.complement.to.our.endeavors.for the build.our.competitive.advantage. year. Our.social,.human.and.CSR.investment.is.the.fabric.of. Our.leadership.approach.to.CSR.is.simple:.to.positively. our.178-year.existence..As.we.head.into.year.179,.seeking. influence.as.many.lives.as.possible.at.the.community. to.improve.on.the.results.of.2018.and.years.past,.we.will. level.through.strategic.focus.areas.grounded.in.the. make.certain.it.is.marked.with.exuberance,.results,. greatest.transparency,.ethical.standards.and.a.steady,. accountability.and.care.for.those.who.have entrusted us focused.approach..Additionally,.we.have.made.a. with their future. commitment.to.adhere.to.strict.measurement.practices. across.our.CSR.trail.as.we. .ahead. forge Dr. Dodridge Miller At.Sagicor,.we.also.acknowledge.our.people.as.one. of.our.most.valuable.assets.and.each.day.more.than. President.&.Chief.Executive.Officer 4500.team.members.serve.our.more.than.600,000. 4 A Snapshot of our Achievements Here’s what the numbers say about our 2018 achievements:

APPROXIMATELY US $1.3 million in sponsorship and philanthropic efforts across our focus areas and territories

APPROXIMATELY Recognized by the United Nations Office for Disaster Risk Reduction for work in Business Continuity Management (BCM) and Disaster Risk 80+ Reduction (DRR) scholarships and Top ranked for Corporate Governance practices amongst publicly listed grants awarded companies on the Trinidad and Tobago Stock Exchange (TTSE) in accordance with a study conducted by the University of West Indies in collaboration with the Clarkson Centre for Business Ethics and Board Effectiveness, Rotman School of Management, University ofT oronto Listed on Forbes List for Best Fixed Annuities Available in 2018 (USA Products) APPROXIMATELY Awarded Excellence in Corporate Social Responsbility (Large Company) - Sagicor Group Jamaica US $153,000 Awarded Excellence in Civic Leadership (Large Foundation) - Sagicor Foundation in scholarship donations US 400,000. raised for the Sagicor Sigma Corporate Run - the Caribbean’s largest road race 5

These.three.words.give. 01 credence.to.our.actions.and. remind.us.of why.we.give.. They.tell.us.that.what.we.do. is.more.than.just a. contribution. It's also about changing.lives.and. brightening.futures. Caring. Inspiring. Serving. Caring. Inspiring. Serving. | CORPORATE SOCIAL RESPONSIBILITY REPORT | 6 01

Our Priority Areas and Objectives: Our priority areas guide our corporate giving and further establish us as a socially responsible brand through four main pillars:

EDUCATION: HEALTH: COMMUNITY AND YOUTH SPORT: DEVELOPMENT: We.will.provide support.at.all. We.will.donate.equipment. We.aim.to.support.the. levels.of.the.educational. and.supplies.to.a.variety.of. Our.goal.is.to.uplift. development.of.sport, taking system..Wherever possible, we. health.institutions.while.also. communities.by.improving. a special interest in sporting will.continue.to.focus. providing significant support quality.of.life.through.focused. activities that feature youth. our.efforts.on.upgrading. to sustainable.projects.that. donations,.programmes,. This.includes.track.meets. and.improving.the.physical. have.health.as.a.priority.on. projects.and.initiatives.that. and.athletic.championships. infrastructure.of.our.primary. their.agenda..We.will.also. enrich.and.improve..We.will. that showcase the talent of schools.in.communities. focus.on.the.health. strengthen supportive.and. young athletes.across.the. across.our.territories..We.will. challenges.that.particularly. positive.environments.for.our. territories.in.which.we. empower.students.through. impact.those.in.our. young.people, helping to operate. scholarships.and.grants.to. operating.territories. propel.them.towards. assist.with.tuition.fees.and. establishing their own.bright. other.related.costs. futures. 01 Caring. Inspiring. Serving. | CORPORATE SOCIAL RESPONSIBILITY REPORT | Education 7

COUNTRY: BARBADOS Education INITIATIVE: ERMINE HOLMES MEMORIAL LECTURE APPROXIMATELY • Hosted.annually.for.the.past.eleven US $200,000. years,.the.Ermine.Holmes.Memorial CONTRIBUTED TO EDUCATIONAL PROGRAMMES Lecture.is.hosted.in.honour.of.Ermine Holmes.–.an.outstanding.citizen.and REGION community.practitioner.who.touched Southern & Eastern Caribbean the lives of.many.with.her.acts.of kindness. COUNTRY: TRINIDAD INITIATIVE: SAGICOR CEO’S BACK-TO- COUNTRY: GRENADA SCHOOL SERIES, ALUMNI BUSINESS INITIATIVE: ROTARACT NATIONAL MIXER SPELLING BEE COMPETITION

• Sagicor General Insurance Inc. and • Now in its third year, this partnership. Sagicor Life Inc partnered with the with.the Rotaract.Club.provided. Arthur Lok Jack Global School of support.for.the annual.Rotaract. Business for their CEO’s Back to National.Spelling.Bee Competition.–.a. School Series and Alumni Business major,.annual.event.on the.island’s. COUNTRY: CURAÇAO Mixer. school.calendar. INITIATIVE: REFURBISHMENT OF KOLEGIO SANTA CLARA • The CEO’s Back-to-School Series • Sagicor’s.donation.assisted.with.the MIDDLE SCHOOL connected students with prominent purchase.of.prizes,.T-shirts,.banners • Sagicor.assisted.with.the.refurbishment.of.the.Kolegio.Santa CEOs from major companies across and.other.items.needed for hosting.the Clara.Middle.School.through a.donation.of.chairs,.tables.and the region, who imparted their one-day.event. cabinets.on.Friday,.February 2,.2018..The.school.had knowledge, life lessons and learning • The.competition.drew.participants previously been forced to.rent.chairs.for.the students.and. experiences to the participants while from.44.primary.schools.across staff. the Alumni Business Mixer allowed grenada,.Carriacou.and.Petite Sagicor advisors to interact with both • The.furniture.outfitted.the.library,.children’s.lunch.room.and Martinique. Alumni and students. teachers’.area. 01 Caring. Inspiring. Serving. | CORPORATE SOCIAL RESPONSIBILITY REPORT | Education 8

REGION • To offset the cost of education, the Foundation provided much-needed Jamaica relief to students and their families to assist with tuition fees, books INITIATIVE: ADOPT-A-SCHOOL and other school related expenses. • The.Adopt-A-School initiative The scholarship awards ceremony focusses.on.the.importance.of was held in August.An.investment. early.childhood,.by.upgrading.the of.over.USD143,000. was.allocated. infrastructural.development.of to.both.new.and renewing. several.schools. scholarships.

• Sagicor's Investment.over.the. • An.investment.of.over.US 2018/2019 school.year.is.projected. $143,000. was.allocated.to.both. to reach US $119,000,.with.three . new.and renewing.scholarships. schools.earmarked.for.upgrades. These.include.the.Chantilly INITIATIVE: UN WOMEN’S GUILD Basic.School.in.Savanna-la-Mar, SCHOLARSHIP PROGRAMME Westmoreland;.Tobolski.Basic School.in.Brown’s.Town,.St.Ann; • The.Sagicor.Foundation.made.a and.the.Clifton.Basic.School.in donation.to.the.Jamaican.chapter Portmore,.St.Catherine. of.the.United.Nation’s.Women’s guild.(UNWg).to.provide.two • In.December,. the pupils of each scholarships.for.high.school school were.feted.for.Christmas,. students.under.the.organisation’s with activities.that.included fun scholarship.programme. games, rides, treats.and.gifts. • The.UNWg.assists.children.from underprivileged.circumstances and. INITIATIVE: SAGICOR FOUNDATION enables.them.to.attend.school SCHOLARSHIP PROGRAMME regularly.by.providing meals.and • The Sagicor Foundation awarded transportation..Affiliated.with.the 75 scholarships to tertiary and UNWg.headquartered.in.New.York, secondary students in 2018. this.passionate.group.of.Jamaican women.seek.to.enrich.the.lives.of individuals.in their community. 01 Caring. Inspiring. Serving. | CORPORATE SOCIAL RESPONSIBILITY REPORT | Education 9

INITIATIVE: USAID EARLY READING their support of the Hillsborough INITIATIVE: ADOPT-A-CLASSROOM CONFERENCE County Education Foundation • Team.members.from.the.Scottsdale (HCEF). • The.Sagicor.Foundation.was.a and.Mesa.Riverview.offices proud.sponsor.and.supporter.of.the • The.team.contributed.many.hours spent.most.of.the.day.on.Friday, Early.Reading.Conference.hosted by. of.volunteer.service,.as.well.as December.21,.2018.celebrating the.United.States.Agency.for provided.monetary.support Christmas.with.the.2nd.graders.of International.Development.(USAID) through.fundraisers.and.other Wilson.Elementary.School..Children Latin.America.and.the.Caribbean’s events. were.treated.to.a.visit.from.Santa’s “READS”.capacity.Programme. • HCEF.makes.donated.school elves,.treats.and.snacks.and activities.with.Santa. • The.event.also.featured.a.seminar supplies.available.to.teachers with.international,.regional working.in.low-income.areas • Each.child.received.a.large.bag.of and.local.experts.in.the.field.of through.its.Teaching.Tools.Store. presents.that.included.new.clothes education.who.led.interactive, Through.the.store,.Teachers.access and.shoes,.plus.two.or.three gifts. informative.sessions.to.over.300 supplies.needed.for.their classes,. from their.wish.list.sent.to.Santa.. early.grade.practitioners,.parent such as.paper,.pencils, pens,. Teachers.also.received.gift.cards, representatives,.classroom teachers erasers,.glue,.staplers.and even. compliments.Sagicor. books.–.all.free.of.charge. and student.teachers across.the • As most.of.the.students.at.Wilson island. • In.July, the.Tampa.office held.a. Elementary.are.below.the.poverty ‘School’s.Out.for.Summer’ • The.Sagicor.Foundation.also level.and.their families qualify.as. fundraiser,.complete.with.a.bar-b- provided.volunteers.to.ensure.the homeless, administrators.from.the. que-themed.lunch.and.a.guessing smooth.execution.of.the.event. school started.the.Adopt-A- game.centered.around.old.school Classroom programme.over.20. REGION pictures.submitted.by.team years.ago.to ensure.the.students. members. United States of America receive presents.at.Christmas.time. • Through.the.efforts.of.the.Tampa • Sagicor.is proud to have been one. INITIATIVE: HILLSBOROUGH Community.volunteer.Committee of.the.first companies.to.sponsor.a. COUNTY EDUCATION FOUNDATION and.the.internal.fundraising classroom i n.the.early.days.of.the. team,.Sagicor.was.able.to.make programme. • The Tampa-based office of Sagicor a.financial.donation.to.the Life Insurance Company continued Hillsborough.Education.Foundation. 01 Caring. Inspiring. Serving. | CORPORATE SOCIAL RESPONSIBILITY REPORT | Health 10

COUNTRY: BARBADOS COUNTRY: BARBADOS Health INITIATIVE: HEALTHY CARIBBEAN INITIATIVE: “OLYMPIC DAY” COALITION (HCC) CHILDHOOD • Each.year.in.June,.the.Barbados APPROXIMATELY OBESITY CAMPAIGN Olympic.Association.(BOA).joins US $600,000. • Sagicor.Life.Inc.is.a.major.partner the.rest.of.the.world.in.celebrating CONTRIBUTED TO HEALTHCARE PROGRAMMES of.the.Healthy.Caribbean.Coalition “Olympic.Day.”.The.BOA.uses.their (HCC),.and.demonstrated.its platform.to.encourage.Barbadians REGION support.for.the.organisation’s to.engage.in.physical.activity. Childhood.Obesity.Call-to-Action • Sagicor Southern & Eastern Caribbean by.encouraging.clients.to.get 's donation assisted with the.purchase.of.T-shirts. involved..The.HCC.is.spearheading COUNTRY: TRINIDAD a.call-to-action.to.lobby.CARICOM INITIATIVE: LUPUS AWARENESS Heads.of.government.to.make COUNTRY: DOMINICA MONTH INITIATIVE: tangible.changes.to.legislation, MOBILE MEDICAL UNIT • Sagicor.general.Insurance.Inc. which can help.protect.the.region’s. • In.February,.Sagicor.donated US pledged.support.to.the.voice of. children against.unhealthy.foods, $100,000.towards.the.purchase of.a. Lupus.(vLF).Foundation.as.they thereby slowing the.epidemic.of. fully-customized,.mobile medical. commemorated.Lupus.Awareness childhood.obesity. unit.to.the.government.of month. • Clients.of.Sagicor.Life.Inc.were Dominica..The.donation.was.deeply • Sagicor.general.supported given.the.opportunity.to.sign.the needed.following.the.devastation of. the.foundation’s.annual.Public call-to-action.when.they.visited the. social.services.on.the.island.after Information.and.Candle.Light.vigil company’s.Customer.Service office.. the.passage.of.Hurricane.Maria.in on.May.10..The.event,.also.referred HCC.volunteers.were.able to. 2017. to.as.“Put.on.Purple,”.(PoP).Day, collect.over.500.signatures.from • The.unit.was.purchased.by.Sagicor, saw.team.members.donning purple. concerned.Sagicor.clients.who wish. in.collaboration.with.“Doctors.in for.the.cause.and.making monetary. to.see.a.healthier.future.for the. Our.Circle”,.Ray.Asta,.Dominica’s contributions. nation’s.children. Ministry.of.Health.and.Environment and.the.‘Friends.of.Sagicor’ Association. 01 Caring. Inspiring. Serving. | CORPORATE SOCIAL RESPONSIBILITY REPORT | Health 11

• The.unit.was.outfitted.to.provide and kind for the two beneficiaries: • PCH.is.one.of.the comprehensive.medical.screening, the Spanish Town Hospital ten largest.children’s cancer.screening,.HIv.and Neonatal Intensive Care Unit and hospitals.in.the immunization.testing.as.well.as.a the St. Christopher’s School for the United.States, general.response.to.medical.crises Deaf. with.a.medical during.disasters,.disease.outbreaks staff.of.almost • The Spanish Town Hospital and.other.activities.of.national 1,000.pediatric Neonatal Intensive Care Unit importance. specialists was a beneficiary for the providing.care.in • Facilities.on.the.unit.include:.two second consecutive year and over.70.pediatric examination.rooms.with.beds, fuel. received medical equipment categories..Much and.water.tanks,.a.generator, a. from the funds raised. The St. of.the.financial refrigeration.unit,.medicine storage. Christopher’s School for the Deaf support.needed and.a.wheelchair.lift. received infrastructural repairs, to.operate.PCH refurbishment and upgrades comes.from.the.generosity.of COUNTRY: JAMAICA to the school’s dormitory and individuals.and.companies.who INITIATIVE: SAGICOR SIGMA roofs. Additionally, a new block volunteer.and.make.financial CORPORATE RUN of classrooms was built to ensure donations. adequate room and board for • Sagicor.Jamaica.kickstarted students. • Arizona.team.members the.year.with.its planning.and consistently.participate.in.the execution.of.the.20th.Anniversary COUNTRY: UNITED STATES annual.telethon.and.radiothon, staging.of.the.Sagicor.Sigma INITIATIVE: PHOENIX CHILDREN’S man.phone.banks.to.receive Corporate.Run.–.the.Caribbean’s HOSPITAL donations.and.help.check- largest.road.race.geared.towards in.other.volunteers..2018.saw • Sagicor.Life.Insurance.Company raising.funds.for.the.health.and record-breaking.totals.for.both is.a.strong.supporter.of.Phoenix education.sectors.in.Jamaica. the.“Heroes.for.Hope”.Telethon Children’s.Hospital.(PCH).in • The.charity.run.was.held.on (US $810,857).and.the.“give-A- Arizona,.donating.both volunteer. Sunday,.February.18,.2018.with.a Thon”.radio.event.(US hours and.financial.assistance.to. record.26,.519.participants,.raising $1,728,142). this worthy.cause. a.total.of.US $400,000..in.cash 01 Caring. Inspiring. Serving. | CORPORATE SOCIAL RESPONSIBILITY REPORT | Community & Youth Development 12

• The St. James Police Youth club • As part of the Sagicor Inspire Community was established in November 1992 Vacation Internship Programme and caters to the needs of young 2018, 24 interns helped Asa Wright & Youth people between the ages of 5 and personnel to record the number of Development 21 years. It provides an alternative mango, pommerac, obi, pois doux, to juvenile delinquency and crime, and bois canot trees on the trails APPROXIMATELY through education, sport, and that would attract the pawi. US $300,000. community service. Sagicor’s CONTRIBUTED TO COMMUNITY & relationship with the club began in COUNTRY: TRINIDAD YOUTH DEVELOPMENT PROGRAMMES 2013. INITIATIVE: FLOOD RELIEF

REGION COUNTRY: TRINIDAD • On.October.19,.thousands.of Southern & Eastern Caribbean INITIATIVE: ASA WRIGHT NATURE residents.were.affected.by.historic CENTRE flooding.in.parts.of.North.and COUNTRY: TRINIDAD Central.Trinidad..In.response to this INITIATIVE: • Sagicor.Life.Inc.collaborated THE ST. JAMES POLICE humanitarian.crisis, Sagicor with.the.Arima-based.Asa.Wright YOUTH CLUB collaborated with.the.St..Augustine. Nature.Centre, a.50-year-old non- Rotary.Club, the.greater.Tunapuna. • Sagicor.Life.Inc.donated.fifteen profit.organisation,.dedicated to. Chamber of.Industry.and. pre-owned.laptops.to.the.St.. preserving.part.of.the.Arima valley. Commerce,.and the.Tunapuna/ James Police.Youth.Club,.as.well.as in.its.natural.state. It is also Piarco.Regional Corporation.to. invested.in.a.certified.tutor.to devoted to the.education.and. provide.support.to affected. provide.computer.literacy.training promotion.of ecotourism. to.the.first.batch.of.students.in.the citizens. • In.2018,.the.centre’s.aim.was programme. • Sagicor.staff.readily responded to to.attract.the.environmentally- distribute more than 1,000.meals. • The.laptop.handover.and.launch of. sensitive.bird,.the.piping.guan over the.weekend.of.October.20. the.programme.took.place.on (pawi).which.is.endemic.to and.21. Tuesday,.July.17,.2018,.at.the.St. Trinidad..This.meant.ensuring.that James.Police.Youth.Club. there.were.enough.food sources to create a feeding and nesting location. 01 Caring. Inspiring. Serving. | CORPORATE SOCIAL RESPONSIBILITY REPORT | Community & Youth Development 13

• In addition to working from a The.showcase.of.young.talent. The funds are earmarked for the COUNTRY: JAMAICA temporary kitchen to provide the features the.genres.of.dance,. following projects in: INITIATIVE: LABOUR DAY meals, the team also di stributed theatre.and.music..The.Festival. • Anguilla:.The.purchase.of.two • In.keeping.with.the.national.push 200 mattresses, and 400 cleaning fosters.national.development.in. patient.monitors.for.the.Princess for.Labour.Day.2018,.a.500-strong. kits. Meals were delivered to the.creative.arts.and.outstanding. Alexandra.Hospital,.which operates. team of Sagicor.volunteers media personnel, and.affected. participants.are.awarded.gold,. under.the.Health Authority.of. heeded.the.call.to. colleagues were supported with a silver.and.bronze.medals. Anguilla. “Ramp.it.Up,.Fix it.Up.–.Our. financial.donation. Schools,.Our.Health Centres,.Our. COUNTRY: EASTERN CARIBBEAN • Antigua.and.Barbuda:.The Responsibility,”.and spread.out.in. COUNTRIES purchase.of.furniture.and.other their.numbers to assist at eight COUNTRY: BARBADOS INITIATIVE: school.equipment.for.the.Holy UWI/SAGICOR T20 community.health.centres across INITIATIVE: NATIONAL Trinity.Primary.School. BENEFIT the island..general refurbishing. INDEPENDENCE FESTIVAL OF • In.June.2018,.executives.of Sagicor. • British.virgin.Islands:.The was.undertaken.at each.facility,.to. CREATIVE ARTS (NIFCA) and.the.University of.the.West. rebuilding.of.the.Elmore.Stoutt include.painting, landscaping.and. JUNIOR FINAL Indies.presented cheques.to. High.School,.which.was.destroyed. infrastructural repairs,.which. representatives.of.the It.will.be.specifically.used.for enhanced.the overall.ambience.of. governments.of.Anguilla,.Antigua equipment.such.as.photocopiers, the.health centres. and.Barbuda,.the.British.virgin computers,.and.printers. • The.health.centres.receiving enhancements.were.the Islands.and.Dominica.to.support • Dominica:.The.purchase.of.ICT Black.River.Health.Centre,.St. their.rebuilding.efforts.following equipment.for.secondary.schools Elizabeth;.Comprehensive.Clinic, the.devastation.caused.by under.the.Ministry.of.Education. All. Hurricanes.Irma.and.Maria.in.2017. of these schools' computer. • Funds.were.raised.at.a.benefit laboratories • Sagicor.partnered.with.the cricket.match.played.in.Barbados, require.outfitting, National.Cultural.Foundation in. hosted.by.the.University.of.the particularly.to the.production.of.the.annual West.Indies.and.sponsored.by facilitate.online National.Independence.Festival Sagicor.in.November.2017..Sagicor exams. of.Creative.Arts.(NIFCA). donated.US $100,000.to.the.cause. Performing Arts Junior Finals. 01 Caring. Inspiring. Serving. | CORPORATE SOCIAL RESPONSIBILITY REPORT | Community & Youth Development 14 Kingston; Christian Pen Health, COUNTRY: UNITED STATES in need. The first shift helped in the Scholarship Account (PLSA) for St. Catherine; Deeside Health INITIATIVE: METROPOLITAN daytime kitchen while the evening special needs students and the Centre, Trelawny; Duhaney Park MINISTRIES shift assisted with dinner and the Florida Tax Credit Scholarship Health Centre, Kingston; Mandeville Dream Center, where children go to Programme which is an income- • Team.members.from.the.Tampa Comprehensive Clinic, Manchester; learn and play. Volunteers engaged based scholarship. office.have.been.involved.with.the St. Ann’s Bay Health Centre, St. Ann in the full gamut of activities Metropolitan.Ministries.for.many • Sagicor is a proud partner of and the Whitehouse Health Centre, including setting up tables, seating years..Metropolitan.Ministries.serve Step Up for Students and has Westmoreland. people and serving food and the.poor.and.homeless.in.Tampa and. been for many years. In 2018, beverages. Additionally, volunteers the.surrounding.areas.with.food, Sagicor contributed USD75,000 helped the kids with homework, clothing.and.emergency.shelter.in in contributions to expand spent time reading to them and some.cases. opportunities for underprivileged engaged them in games. families across Florida. • In.addition.to.financial.contributions, • SvdP.also.provides.bottled.water to. many.volunteer.hour . spent. • Step Up for Students awards s are the.homeless.and.needy.during sorting.donated.food,.packing boxes. scholarships directly to students Arizona’s.hot.summer.months. and not their schools. This gives and.cleaning.the.facilities. Sagicor.employees.not.only.have students flexibility and choice when • One.of.the.fundraising.teams.in given.back.to.this.initiative.by it comes to their educational needs. Tampa.also.hosted.a.Carnival- volunteering.man.hours.but. Demand for these scholarships themed.event.to.raise.money.for organised a special fundraiser.to. remains high in Florida, due in large Metropolitan.Ministries..The.Carnival assist.SvdP.in.providing.as.much part to the effectiveness of the Food.and.Fun.Day.featured.great bottled.water.as.possible. programme. food,.carnival-style.games.and.raffle • Proceeds.from.the fundraiser. drawings.with great.prizes. provided.10,100.bottles.of water. COUNTRY: UNITED STATES INITIATIVE: ST. VINCENT DE PAUL COUNTRY: UNITED STATES INITIATIVE: STEP UP FOR STUDENTS • In.May,.several.employees.from.our Scottsdale.office in Arizona • Step Up for Students is a state- volunteered.at.St. vincent.de.Paul. approved nonprofit Scholarship (SvdP). Funding Organization that helps • SvdP.provides.meals.and.other administer the Personal Learning services.to.the.homeless.and.those 01 Caring. Inspiring. Serving. | CORPORATE SOCIAL RESPONSIBILITY REPORT | Sport 15

• The.beginners’.event.formed.part initiatives..It.allows.young.golfers in Sport of.the.annual.Sagicor.Junior.Lawn Trinidad and Tobago an opportunity. Tennis.Tournament,.now.in.its.16th to.compete.at.the.highest.levels . APPROXIMATELY year. against.seasoned.golfers. • Sagicor.again.partnered.with COUNTRY: US $200,000. the.Tennis.Patrons.Association.to TRINIDAD INITIATIVE: CONTRIBUTED TO THE DEVELOPMENT OF SPORT manage.their.2018.tournament,.with NATIONAL ASSOCIATION play.running.from.Saturday,.July.7,.to OF ATHLETICS ADMINISTRATIONS OF REGION Thursday,.July.12,.2018. TRINIDAD AND TOBAGO Southern & Eastern Caribbean • Sagicor.general.Insurance.Inc has COUNTRY: TRINIDAD maintained its 14-year.relationship COUNTRY: TRINIDAD INITIATIVE: SAGICOR-ST. ANDREWS with.the.National.Association INITIATIVE: RED STAR UNDER-10 GOLF CLUB INVITATIONAL of.Athletics.Administrations.of TENNIS TOURNAMENT Trinidad.and.Tobago.(NAAA)..The • The.Sagicor-St.Andrews.golf.Club sponsorship.began.in.2004.and.has • The.fifth.edition.of.the.Red.Star Invitational.teed.off.on.May.19.and since.blossomed.into.a.strategic Under-10.Tennis.Tournament,.an the.annual.two-day event,.in.its.18th. partnership.with.the.common.goal introductory.beginners’.event,.took year under.the.Sagicor.brand,.saw.98 of.developing.track.and.field.in.the place.on.Saturday,.June.30,.2018, at. participants.take.to.the.greens. twin-island.republic. the.Trinidad.Country.Club,.Maraval. • Participants.were.grouped.in.flights • Sagicor’s.investment.in.the.NAAA • An increased.number of.36.entrants,. based.on.handicap.and.age, and. has.grown.over.the.14-year.period learned.and.practiced the. competed.against.golfers.of equal. with.the.company.having.invested fundamentals.of.tennis,.while this skill..The.top.finishing.golfers were. more.than.US $200,000..since.the holistic activity contributed to their awarded.points.which.counted. partnership’s.inception. physical,.social.and.emotional.health. towards selection.for.the.Trinidad. • In.2018.Sagicor.general.contributed and Tobago.National.golf.Team. over.US $24,000..to.the.national • The.Sagicor-St..Andrews.golf.Club championships.held.in.June. Invitational.is.one.of.Sagicor’s.oldest 01 Caring. Inspiring. Serving. | CORPORATE SOCIAL RESPONSIBILITY REPORT | Sport 16

COUNTRY: BARBADOS flexibility and balance and mental INITIATIVE: BARBADOS GOLF OPEN fortitude.

• Sagicor.Asset.Management.Inc, • The camp is accredited by both Sagicor.general.Insurance.Inc. and. the Confederation of North, Sagicor.Life.Inc.jointly sponsored Central American and Caribbean the.2018.Barbados golf.Open.-. Association Football (CONCACAF) Amateur.golf Championship. and the Caribbean Football Union (CFU). • Sagicor.collaborated.with.the competing. COUNTRY: CURACAO Barbados.golf.Association.to for.ranking. INITIATIVE: CURACAO BASEBALL COUNTRY: ST. LUCIA provide.complimentary.registration points,. WEEK INITIATIVE: ST. LUCIA TENNIS to.six.promising,.junior.Barbadian bragging. ASSOCIATION • Sagicor was proud to be one of players..The.event.which.attracts rights,. the sponsors for Curaçao Baseball local,.regional.and.international • In 2018, Sagicor St. Lucia medals.and. Week. competitors.in.various partnered with the St. Lucia Tennis trophies..This. classifications.of.age.and.skill,.was Association (STLA) on two major was.the.first.time.that.Sagicor. • Curaçao Baseball Week is viewed.as.an.opportunity.to.boost projects which provided significant had sponsored.the.event.which.is. organized yearly with one main the.development.of.youth.in.the support to the development of on the.official.calendar.of.events. reason: to bring the children of sport.of.golf.in.Barbados. youth tennis on the island and for.COTECC..Over.60.athletes. Curaçao closer to their baseball throughout the Caribbean. participated.in.the.tournament. legends. The initiative took place from November 26 to 30. • Sagicor signed on to sponsor COUNTRY: BARBADOS the Confederation of Tennis • Sagicor's support.of.tennis. was. • During the week, the children met INITIATIVE: DEXTER’S BRAZILIAN and Central America and the further.cemented.in.December their baseball heroes, received FOOTBALL CLUB SUMMER CAMP Caribbean’s (COTECC) Under-14 when.young.tennis.players.from autographs, watched a softball across.St..Lucia.spent.the.start tournament, experienced a • Through.its support of Dexter’s. and Under-12 Tennis Tournaments of.the.Christmas.vacation homerun derby show, and took Brazilian.Football Club.Summer. which took place in St. Lucia in competing.in.the.inaugural.‘Sagicor part in clinics. Local baseball Camp,.Sagicor general.Insurance. August 2018. The tournament Christmas.Tennis.Tournament.’ coaches also benefitted from Inc..assisted campers.in.learning.. saw young female and male Categories.included.Male.and dedicated seminars. technical.precision,.speed and. athletes from several countries Female.10.and.Under,.as.well.as.12, agility,.game.intelligence, in the Caribbean and the USA 14.and.18.and.Under. 01 Caring. Inspiring. Serving. | CORPORATE SOCIAL RESPONSIBILITY REPORT | Sport 17

COUNTRY: JAMAICA Foundation's sponsorship PCA.is.a.national.non- has.sponsored.the. INITIATIVE: JTA/SAGICOR of the championship.event. profit.organization.which. scholarship.programme. NATIONAL ATHLETICS amounted to US $63,000.. develops.youth.and.high. in.the.Tampa.Bay.area.. CHAMPIONSHIP for.the.35th.staging.in. school.sports.through.their. Each.Triple-Impact. 2018. motto.“Better.Athletes,. Competitor®.Scholarship. • The.Jamaica Teachers' • Sagicor.Foundation.also Better.People.”.Sagicor. winner.receives.a.US Association (JTA)/ provided.some.200 was.proud.to.be.the. $2,000.scholarship. Sagicor.National Athletics. volunteers.to.aid.in.the presenting.sponsor.of.the. Championship is.a.two- • PCA-Arizona.held.its.first smooth.execution.of Class. day.athletics competition. annual.awards.banquet on. the.two-day.event, and of.2017-18.and.2018-19. their annual Fan Fest which generates.a.sense June.11,.2018.at.the Talking. also.offered five-year. Triple-Impact.Competitor®. at Tropicana Field in St. of.camaraderie.and Stick.Sports.Arena in. scholarships at.the. Scholarship.Awards. Petersburg, Florida to kick sportsmanship.between downtown.Phoenix. Local. secondary.level.to the. off the baseball season. primary.and.all-.age • The.Triple-Impact sports.and.media Champion.boy.and.girl of. institutions.across.the Competitor®.Scholarship celebrities.joined.friends • Local.Sagicor Career. the.meet. island..With.over.1200 winners.from.PCA-Tampa. and.family.to.honor.ten Agents manned.the. athletes.participating.in Bay.received.their student-athletes.who Company's branded.tent,. COUNTRY: UNITED STATES track.and.field.events, the. scholarships.in.an.on-field. received.Triple-Impact sharing information.on our. INITIATIVE: POSITIVE championship.gives ceremony.on.May Competitor®.Scholarships. products.and.services and. COACHING ALLIANCE student.athletes.an 8,.2018,.before.a.Tampa Sagicor.sponsored.the 2018. distributing.Sagicor Bay.Rays.game..Joining scholarships.and Chief. opportunity.to.showcase • Sagicor Life Insurance branded.gear..They.also the.winners.were.Matt Administrative Officer.Mike. their.athletic.prowess. Company supports the conducted raffles.for. Silverman,.President.of the. Stricker.spoke at.the.event. autographed Rays’.jerseys. • In.partnership.with local chapters of Positive Baseball.Operation.for the. about.their mission.as.well. and.bats. the.JTA ,.the.Sagicor Coaching Alliance (PCA) in Rays.and.Bart.Catmull, as.Sagicor’s support.for. both Arizona and Florida. • Sagicor.is.a.major. President.of.Sagicor.Life PCA. supporter of.the.Tampa. Insurance.Company,.both Bay.Rays and.during.Fan. members.of.the.PCA- Fest,.also sponsored.“Kids. Tampa.Bay.board..This.is COUNTRY: UNITED STATES Run.the Bases”.and.a. the.second.year.Sagicor INITIATIVE: RAYS FAN FEST Coaches Clinic.where. • On February 10, 2018, former.Major League. the Tampa Bay Rays held players.helped kids.with. their.batting.and fielding. techniques. 18

02 Our team members are the fabric that bind us together. They give life to our purpose, goals, values and vision and help us drive value for our customers.

Human Capital Report 2018 02 Human Capital Report 2018 | 19

“SAGICOR STRONG” AND “ONE SAGICOR”

We report the following for 2018:

HUMAN RESOURCES PEOPLE DEVELOPMENT Sagicor General Insurance Inc.introduced.the. STRATEGIES group.Companies.continued.to.make.significant. SgI.Leadership.Principles.which.carefully.detail. Human Resources departments continued to investments.in.industry.specific.programmes. the.attitudes.and.behaviors.that.would.drive. implement a talent management strategy to through.LOMA.and.LIMRA,.compliance. the.business,.through.its.leadership,.towards.its. attract, develop and retain top talent to support training.such.as.Anti-Money.Laundering.and. goal.to.be.an.employer.and.service.provider.of. our strategies in various group companies. Security.Awareness.programmes,.as.well.as. choice..This.was.supported.by.other.initiatives. other.employee.development.programmes.and. for.cultural.transformation. • Organi ational changes s through.coaching.and.mentoring. In.2018,.Sagicor.general.Insurance.Inc. In Trinidad and Tobago completed.the.acquisition.of.Harmony general. Corporate University Workshops.enhanced.management.skills. Insurance.Company.Ltd..and.later In.Barbados,.the Sagicor Corporate in.performance.management and.employee. the.purchase.of.its.shares.previously.held.by University at the Sagicor Cave Hill School engagement,.and.for improving.understanding. the.goddard.group.of.Companies..This.led.to of Business and Management.rolled.out.the. and.compliance.with.National.insurance.and. some.restructuring.and.realignment.to.extract High.Potential.Leaders.programme.which.is. Income.tax..Functional.skills.development. associated.synergies,.but.these.changes.were aimed.at.enhancing.management.ability.and. programmes.targeted.accounting,.research. supported.by.careful.attention.to.employee leadership.skills..This.ten-module.programme. methodology.and.statistical.analysis.and. engagement.issues,.and.by.solid.internal runs.from.September.2018.to.September. presentations.skills..Sales.training.included.the. communication.and.post-integration. 2019.and.includes.modules.on.Leadership,. Sagicor.New.Advisor.Workshop,.State.License. initiatives. Communication,.Trust.and.global.management. Long.Term.(LIFE).Exam.Preparation.sessions,. Trends. Product.and.E-Application.Training..In.addition. to.product.training,.courses.on.Selling. The.open.enrolment.six-module.Personal. Techniques.and.Mastering.the.Sales.Cycle,. Mastery.programme.offered.staff.the. Strengthening.Your.Portfolio,.Sales.Strategy.for. opportunity.to.participate.in.self-improvement. Insurance.professionals.and.Policy.and.Client. programmes. Conservation.were.offered. 02 Human Capital Report 2018 | 20

The Eastern Caribbean for.all.client.facing.non-sales.team.members. PROFESSIONAL The.Sales.team.in.the.Eastern.Caribbean. across.the.group..Sales.training.for.sales.team. ACHIEVEMENTS and.Belize.participated.in.a.LIMRA.5-day. members.of.Sagicor.Investments.focussed.on. interactive.Financial.Advisor.Skills.Training. Team.Building.&.Collaboration.skills.and.The Danita Banfield,.Fellow.Life.Management. (FAST).workshop,.and.a.5-day.workshop. Branch Managers’ Development Programme.a. Institute.(FLMI) titled.“Managing.Financial.Advisors”.which. Red.Belt.twelve.(12)-step.employee. Leteshia Mose,.Fellow.Life.Management. focussed.heavily.on.recruiting.and.performance. engagement.and.coaching.programme.targeted Institute.(FLMI) management. all.Sagicor.Bank.managers,.Corporate. Nicole Sinckler,.Fellow.Life.Management. Relationship.Managers,.SME.Team.Leads.and Institute.(FLMI) Sagicor.Bank.Jamaica.Regional.Managers. Jamaica Eon Phillips,.LIMRA.Leadership.Institute.Fellow. The.Sagicor.group.Jamaica.launched.Sagicor (LLIF) LEAD.on.April.17,.2018.-.a.Leadership development programme.with.a.cohort.of. fifteen.(15).team.members.that.included.team. GLOBAL ISSUES members.from.Jamaica.and.grand.Cayman,. As.a.company.operating.in.21.countries,. shortlisted.from.twenty-eight.(28).applicants.. our.Human.Resources.polices.are.robust. The.programme.will.run.over.an.eighteen-month. and.address.a.number.of.workplace.issues. period,.and.participants.will.benefit.from.formal. associated.with.the.conditions.of.work.as. and.on-the.job.training,.leadership.discussions. well.as.our.concern.for.the.health, safety.and. and.personal.coaching.and.mentoring. well-being.of.our.employees..The.Sagicor. Employee.handbook.and.our.polices.address. Cohort.1.with.Christopher.Zacca,.President. issues.related.to.working.conditions.and and.CEO.–.Sagicor.group.Jamaica, and.Karl. interactions.with.all.stakeholders..Several.global. Williams,.Senior.vice.President,.group.Human. themes.and.issues.impacted.the.training.and. Resources,.Corporate.group.Sales.and.Services.. USA sensitization.of.employees.in.2018..Our.Human. Workshops.included.“#MaintainingSmiles,”.and. The HR Department prioritized the enhanced Resources.Departments.revised.existing.policies. “#TeamBuilding&Collaboration”. Leadership Development training and the Eagle and reinforced them with.mandatory.workshops. Talent.development.placed.strategic.emphasis. Leadership class for the executive team. and.online.training.to.ensure.professional. on.Sagicor Platforms Training (Sagicor 360). 02 Human Capital Report 2018 | 21

interactions with other employees, customers illnesses.in.the.region..These.include.exercise. Sagicor.Life.Jamaica.continued.its.partnership. and all stake holders; programmes.like.Hike.or.Bike.2018 and our with.HEART.Trust.NTA,.a.national.programme Lunchtime.series.and.Man.Talk.forum..In.the. which.provides.opportunities.and.growth. • Sexual Harassment.–.full.compliance.with USA,.Wellness.exams.and.tools.introduced.as. through.meaningful.employment.to.young. new.legislation.rolled.out.in.Barbados.and part.of.the.corporate.wellness.programme. Jamaicans,.especially.those.from.under- voluntary.compliance.in.other.countries have.resulted in reduced claims.expenses. privileged.backgrounds..Since.2015,.forty-three through.programmes.like.Preventing of.them.have.moved.into.new.roles.as a result of Workplace Harassment group.Companies.continue.to.sponsor.a. participating in this.programme..The.2018. calendar.of.annual.business.meetings.to.kick. • Anti-Money Laundering Summer.Mentorship Programme.had.an.intake.of. start.the.business.year.under.themes.such as 271.participants over.a.three-month.period, and • Code of Ethics and Business Conduct “Ignite”..Staff.events.include.Staff.Appreciation. several of them successfully.transitioned.into.full. week.(STARS.WEEK),.talent.shows.(Sagicor. • Emotional Wellness time.jobs.by the.end.of.these.programmes. Unplugged),.lively.competitions,.and.the. Non-Gender based compensation.-.Our.group. celebration.of.national.holidays.such.as. policy.on.compensation,.driven.by.roles.and. Carnivals,.Cinco.De.Mayo,.Super.Bowl,.World. HR SERVICES grades,.qualifications.and.experience,.provides. Cup,.Thanksgiving.and.Christmas.which. H R .Departments.continued management.with.the.foundations.to.avoid. uman esources a continue.to.strengthen.our.“Sagicor.Strong”. several.efficiency.initiatives.in.201 .. inequalities.in.compensation. number of 8 team.culture. Sagicor.group.Jamaica.launched.phase.1.of.the. Employee Health and Safety and Wellness - online.HR.Services.Platform,.a.portal.that.allows. Our programmes guide.compliance.with. TALENT SOURCING centralized.stakeholder.requests.for.standard. legislation.and.provide.the.group.of. letters,.provides.metrics.for.analysis.and.reduces. Job.fairs. .university.campuses.and.internship. companies.with.opportunities.to.invest.in.a. on administrative.costs..The.Scanning.Project. programs.such.as.the Green Leaders.Internship. healthier.future.for.all.employees. Structured. reduced.our reliance.on.paper documents and. programme.in.Barbados,.the Sagicor Inspire. programmes.to.help.employees.make. improved.our ease.of.access.to.information. programme.in.Trinidad.and.Tobago.and.The important.lifestyle.changes have also been Sagicor Experience Internship Programme.in. Compensation information.-.Pay.slips benefits. developed. , Jamaica,.provide.Group.Companies.with.a. certificates.and.statements.are.now.available.on. Corporate.Wellness.programmes.are.designed. strong.pool.of.talent.for.both.long-term.and. PayrollWeb,.a.multifaceted.web.application. to.provide.employees.with.information. short-term.employment.contracts. dedicated.to.delivering.payroll.and.other. on.healthy.lifestyles,.and.provide services.directly.to.Sagicor.team.members. opportunities.to.participate.in.activities.that. will.reduce the incidents of chronic lifestyle 02 Human Capital Report 2018 | 22

In Trinidad and Tobago, Total EMPLOYEE TEAM BUILDING ACTIVITIES Reward Statements.were ENGAGEMENT launched under.the.umbrella. Employee.surveys.and.events. of.the.total.rewards.programme,. CELEBRATING OUR TOP were.hosted.to.build.out.a.client- ‘Work.Sagicor,.grow.Sagicor,.Own. PERFORMERS centered.culture,.infuse.innovation,. Sagicor’..62%.of.staff.and.advisors. enhance.recognition.and.reward. The Sagicorian awards indicated.that.the.Statement.gave. efforts.and. celebrate.successes. them.a.better.understanding.of. to The Sagicorian Manager of the Year -.The.most. across.the.group. their.compensation.package.with. outstanding.manager.in.the.Sagicor.group.of. Sagicor. In.Jamaica,.the.LOMA.Team. Companies in 2018 was Cynthia.Blackman.-. Member.Engagement.survey. Manager,.Customer.Experience.Unit.(Sagicor. Flexible working arrangements.-. results.in.November.of.2018. Life.Inc.Barbados). She received this award for We.continue.to.test.new.working. reported.a.two-year.consistent. conceptualizing.and.executing.several.initiatives arrangements.via.several.pilot. satisfaction.score.of.78%,.with. geared.towards.building.customer.loyalty.in projects.that.will.likely.see.more. notable.improvements.on.the. Barbados. instances.where.the.group. variables.for.communications. embraces.new.global.practices. The Sagicorian - Employee of the Year-.the. and.collaboration..These.surveys. for.remote.working.arrangements. . most.outstanding.employee.in.the.Sagicor. are.consistently.administered.in. Some.of these initiatives may be group.of.Companies.is.Michael.Abraham.-. the.Sagicor.group.of.Companies. rolled out in 2019. Systems.Analyst.(Sagicor.Life.Inc-.Trinidad.and. to.feel the.pulse.of.employee. Tobago). He.received.this.award.for.skillfully Time and Attendance engagement.and.to.provide. negotiating.with.service.providers.for.the. By.the.end.of.2019.all.companies. management.with.timely.insights. upgrade.of.the.bandwidth.which.enhanced. in.the.Southern.Caribbean.will.use. on.issues.that.need.to.be. communication.and.timeliness.in.the.company. the.same.Time.and.Attendance. addressed..Results.are.reported. Michael is also credited with the SUN.6.3. Management.system.for.tracking to.the.Board’s.Human.Resources. implementation.upgrade,.the.Miami.Data.Centre. employee.attendance. This Committee,.analysed,.and. migration.and.the.Trinidad.&.Tobago.Boardroom. system will also allow managers reviewed.for.actionable.issues.by. upgrade. to review related reports and to management.committees. approve time off and vacation leave requests. . 02 Human Capital Report 2018 | 23

Group Contributor of the Eastern Caribbean USA Year and Group Pioneer Ogden Browne- Winner of Brent Fewox.was.the.most. of the Year - Leteshia the 2018 President’s Trophy, outstanding.agent.in.the. Mose- Administrative wresting the President’s USA,.having.settled.105. Assistant – Sales Trophy from triple-crown policies.for.annualized. Department.Leteshia. (2015 – 2017) winner premium.of.US $6,669,005. Mose.received.awards.for. Jennifer Tross-Clarke (St. group.Contributor.of. Kitts/Nevis). He also won the.Year, group.Pioneer.of.the.Year..These. awards for the highest API and NAC for 2018. He awards.are.presented.to.the.employee.who. is a member of the Eagles Club and the 100 Club. NATIONAL AWARDS made.the.most.outstanding.contribution. The Sagicor Group Jamaica received the 2018 during.the.performance.period,.and.for. Jamaica Silver Star Award as a Leader in HR Innovation significant.innovation.and.creativity.within.the. Loeri Robinson is the most for its establishment of the Pro Millennial Sagicor.group.of.Companies,.respectively. outstanding Advisor for Mentorship Society. The award was presented Leteshia.resolved.the.problematic.financing. Jamaica for 2018 and has by the Human Resource Management structure.and.supporting.documentation.for. been the leading Advisor Association of Jamaica (HRMAJ). new.Advisors. for the past six years being declared Chairman of the Company’s Production Top Sales Performers Club and President of the Executive Club. In 2018, Most Outstanding she broke the record for most Net Annualized Sagicor Advisor- Commissions and is currently the holder of the Barbados -.Janice.Mullin- Most Net API record which she has broken and Sargeant. The.coveted. established five times during her career so far. title.of.most.outstanding. Advisor.went.to.Janice. Trinidad and Tobago Mullin-Sargeant.who. Denzil Supersad was received.her.sixth. awarded the President’s consecutive.President’s. Cup as the most Trophy,.D.W..Allan. Award,.as.well. outstanding Sagicor Production Sagicor.Life.Inc’s.and.Sagicor.general.Inc’s.teams.during a . as.winning.the.Anthony.Kennedy.Award.in. Advisor in Trinidad and team.building.event.at.the.historic.Kensington.Oval.in. 2014,.2015.and.2017..She.is.also.a.member.of. Tobago. Barbados. the.prestigious.Diamond.Club,.and.member.of. the.100.Club. 24 Technology Highlights Sagicor’s investment in Information Technology (IT) is a key component in supporting customer satisfaction, growth, and profitability goals. Strategically, we focus on 03 accelerating all facets of our business while also enhancing our reputation for quality. The following are a few of our technology highlights for 2018.

ELECTRONIC APPLICATION.is.a.state-of- or.use.the.imbedded.mortgage.calculator. the-art.automated.underwriting.system.for. to.determine.the principal.and.interest. Simplified.Issue.products..Introduced.to. payment.for.a.future.mortgage. The.app. the.Caribbean.market.in.2017,.this.platform. can.be.downloaded.through.google.Play.or. now.supports.all.products.sold.by.Sagicor the.App.store for use on a smartphone or Life Inc.across.the.Southern.Caribbean..Its. tablet. real-time.underwriting.capability.brings.the. value.of.insurance.to.our.customers.in.a. BRANCH NETWORK.This.innovation.allows. customer-driven.activities.to start.in.their. simple,.efficient,.and.less.time-consuming. country.of.origin. processed. format,.and.thus.far.has.won.their.praises. and go on to be in.any.of.our.Southern.Caribbean.locations.. MOBILE APPLICATION.Sagicor.go,.a. Branches.across.the.Southern.Caribbean. technology.service.introduced.in.2017,.has. can share information seamlessly in support. been.expanded.to.support.other.lines. of.new.business.requests,.policy. of.business..In.addition.to.policyholder. management.activities,.and.claims..The. information.for.Individual.Life.products,. ability.to.virtualize.our.branch-based.work. it.now.provides.policy.information.for. force.results in real-time.productivity,.an. our.general.insurance.business.(SgI).and. improved.customer.experience,.and.more. allows.customers.to.request.roadside. job.satisfaction.for.employees,.who.are now. assistance.in emergency situations. Our. better.able.to.assist.customers.across.a. mortgage.customers.can.also use.this. broader.range of.needs. mobile.app.to.check.their.balances. Connect with us!

Sagicor Financial Corporation Limited welcomes your feedback regarding any aspect 25 Connectof our business, with us! or of any member of the Sagicor Group of companies. We are very happy for you to contact us through any of the channels listed below. Sagicor Financial Corporation Limited welcomes your feedback regarding any aspect of our business, or of any member of the Sagicor Group of companies. We are very happyShareholders for you to contact us through any of theConnect channels with us! listed below.

Contact us for: Sagicor Financial Corporation Limited • Dividends Cecil F De Caires Building Shareholders• Change in share registration and address ConnectWildey with us! • Lost share certificates St. Michael Contact• Estate us for: transfer SagicorBarbados, Financial BB15096 Corporation Limited • DividendsGeneral shareholder requests CecilPhone: F De(246) Caires 467-7500 Building • Change in share registration and address WildeyFax: (246) 426-7907 • Lost share certificates St.Email: Michael [email protected] • Estate transfer Barbados, BB15096 To obtain• General additional shareholder printed requestscopies of the Annual Phone: (246) 467-7500 Report or make enquiries regarding company Fax: (246) 426-7907 news and initiatives Email: [email protected]

To obtain additional printed copies of the Annual Phone: (246) 467-7500 Report or make enquiries regarding company Fax: (246) 426-7907 news and initiatives Email: [email protected]

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