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Carreras – Restructuring

The Company has made a business decision to restructure its tobacco operations and in doing so intends to change the scope of its business operations to concentrate on its distribution

First Life – Change in Operations

The Company advises that it has surrendered its Insurance Licence to the Financial Services Commission, as such will no longer operate as an Insurance Company.

First Life – Change of Name

At an extraordinary general meeting on November 8, 2004, the shareholders passed the following Special Resolution: “That the name of the Company be changed to ‘FIRST JAMAICA INVESTMENTS LTD.’” The

Sagicor Life Jamaica Limited (SLJ) – Acquisition

LOJ, First Life and Sagicor are pleased to announce the signing of the final transfer documents necessary to complete the acquisition by LOJ of First Life’s insurance and pension management