High Level Summary

In December 2007, Fortress Fund Managers Limited, through Fortress Insurance Company Ltd., introduced the Fortress Personal Retirement Plan. This plan is an innovative Registered Retirement Savings Plan (RRSP) as it is a low cost product with flexible investment options that allow the owner to choose how best his/her contributions are to be invested. The investment options available include the Fortress Caribbean Growth Fund (Equities), the Fortress Caribbean High Interest Fund (Bonds) and the Fortress Caribbean Pension Fund.