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November 9, 2004

RBTT Financial Holdings Ltd.(RBTT) – Resignation

Ms. Neera Lakhan has resigned as corporate secretary of the Company effective October 31, 2004 and Mrs. Christine Ragoobar has been appointed corporate secretary with effect from November 1, 2004.

Desnoes & Geddes Ltd.(DG) – AGM

The Eighty-Fifth Annual General Meeting of Desnoes & Geddes Ltd. is to be held on Friday, December 3, 2004 at 11:30 a.m. at the Company’s Hospitality Centre at 214 Spanish