Changes coming to Olint

May 1, 2008

Dear Club Member

As you may be aware, your customer service provider Olint Corp Limited experienced many challenges since March 2006. This has affected the operations of the Club but we remain committed to the goal of change, and helping to position Club Members to positively contribute to the development of their families and their societies. We intend to continue these efforts even as we face the recent challenges of the diligence exercise which started late last year. We are confident that it will all work out for the good of our Club and that we will be rewarded in due course.

We wish to take this opportunity to, once again, state how much we regret the long wait that you are experiencing in getting your encashments. As we have communicated to you before, we are committed to resolving this situation beginning at the end of May 2008, and will be meeting with the brokers and them with their bankers, in a little over a week to this end.

In the meantime, please note that we will be required to review the withdrawal patterns of Club Members to ensure that loyal Club Members are duly recognized. Once these reviews are completed it may result in a reduction in the number of members in the Club to more manageable numbers, one of the major recommendations offered by our Consultants. These Consultants, comprising experts in the fields of law,finance, management, and accounting, have been working with us to establish and adopt international best practices and first world operating standards.

The review exercise, and resulting recommendations, and adopted policies and procedures will be communicated at the aforementioned meeting in May. Once these are accepted we will present them to the Club in our new club charter.

Kindly note that as part of the changes, we will be adopting a new payout policy to come into effect on June 1, 2008. These changes will be communicated to Olint Corp Limited, the customer service provider in Jamaica , by May 12, 2008 for onward communication to you. The new provisions will ensure the stability of our Club, allowing us to meet promised deadlines for encashments, while facilitating unexpected encashment needs in emergency situations.

As a result of these changes please note that any request made during or after the month of May will be managed by the new encashment policy that comes into effect on June 1st.

If you have made requests prior to May 1, 2008 that are not yet honoured you will not be affected under the new system and you will be informed of cheque delivery/pick-up dates on May 26, 2008.

Historically we find that where meaningful change is established across a society, usually some form of sacrifice is necessary. We too may be going through a lot but rest assured it will pass and in the end we will be better equipped to achieve our goals.

Thank you for your patience, loyalty and understanding.

David A. Smith

President – Olint TCI