To the Stockholders and Board of Directors of ENNIA Caribe Leven N.V., ENNIA Caribe Schade N.V., ENNIA Caribe Zorg N.V.

INDEPENDENT AUDITOR’S REPORTThe accompanying financial highlights, which comprise the balance sheet as at December 31, 2013, the profit and loss statement for the year then ended, and related notes, are derived from the audited Life Insurance and General Insurance Annual Statements (“statements”) of ENNIA Caribe Leven N.V., ENNIA Caribe Schade N.V. and ENNIA Caribe Zorg N.V. (the

“Companies”) for the year ended December 31, 2013. We expressed unmodified audit opinions on these statements in our reports dated June 20, 2014. Those statements, and the financial highlights, do not reflect the effects of events that occurred subsequent to the date of our reports on those statements. The financial highlights do not contain all the disclosures required by International Financial Reporting Standards. Reading the financial highlights, therefore, is not a substitute for reading the audited statements of the Companies.

Management’s Responsibility for the financial highlightsManagement is responsible for the preparation of the financial highlights derived from the audited statements in accordance with the Provisions for the Disclosure of Consolidated Financial Highlights of Insurance Companies issued by the Centrale Bank van Curaçao en St. Maarten (“CBCS”).

Auditor’s ResponsibilityOur responsibility is to express an opinion on the financial highlights based on our pro-cedures, which were conducted in accordance with International Standard on Auditing (ISA) 810, Engagements to Report on Summary Financial Statements.

OpinionIn our opinion, the financial highlights derived from the audited statements of the Group for the year ended December 31, 2013 are consistent, in all material respects, with those statements, in accordance with the Provisions for the Disclosure of Consolidated Finan-cial Highlights of Insurance Companies, issued by the CBCS.

Curaçao, June 20, 2014KPMG ACCOUNTANTS B.V.M.L.M. Kesselaer RA

EXPLANATORY NOTES TO THE FINANCIAL HIGHLIGHTS Throughout these notes, the word “Group” refers to Ennia Caribe Leven N.V., Ennia Caribe Schade N.V., Ennia Caribe Zorg N.V., either collectively or separately.

Statement of complianceThe financial highlights of the Group have been prepared in accordance with the “Provisions for the Disclosure of consolidated Financial Highlights of insurance Companies” issued by the Centrale Bank van Curaçao en St. Maarten., the provisions of the “Landsverordening Toezicht verzekeringsbedrijf (P.B. 1990,77)” and “Landsbesluit Financiële eisen verzeker-ingsbedrijf (P.B. 1992,52)”.

Basis of preparationItems included in the financial highlights of the Group are stated in Antillean Guilders (ANG), which is the Group’s functional and presentation currency. All amounts in the notes are shown in thousands of ANG, rounded to the nearest thousand, unless otherwise stated.

Basis of estimatesThe preparation of the financial highlights requires the Group to make estimates and assumptions that affect items reported in the balance sheets and profit and loss statements. Actual results ultimately may differ, possibly significantly, from those estimates.

InvestmentsStocks, bonds and other fixed income securities Stocks, bonds and other fixed income securities are classified either at fair value through profit or loss, available-for-sale financial assets or loans and advances.

Fair value through profit or lossFinancial assets and financial liabilities at fair value through profit or loss are reported at fair value with changes in fair value recognized in the profit and loss statement.

Available-for-sale (AFS)Available-for-sale investments are non-derivative investments that are intended to be held for an indefinite period of time. Available-for-sale investments are initially recognized at fair value plus transaction cost, with fair value changes recognized directly in equity, until the investment is derecognized or impaired, whereupon the cumulative gains or losses previously recognized in equity are recognized in the profit and loss statement for the period.

Unquoted equity securities whose fair value cannot be reliably measured are carried at cost less impairment, if applicable. The current value is deemed to approximate fair value.

Mortgage loans, other loans and depositsMortgage loans, other loans and deposits are initially measured at fair value plus incre-mental transaction costs, and are subsequently measured at amortized cost using the effective interest method, net of an allowance for impairment.

Current assets and Other assetsCash and cash equivalentsCash and cash equivalents comprise cash balances on hand and short-term highly liquid investments with maturities of three months or less when purchased.

Receivables and other financial assetsReceivables and other financial assets are initially measured at fair value plus incremental transaction costs, and are subsequently measured at amortized cost using the effective interest method, net of an allowance for impairment.

Provisions for Insurance ObligationsActuarial basisLife insurance business provisions are calculated separately for each life operation, based on local regulatory requirements and actuarial principles consistent with those applied in the former Netherlands Antilles.

The life insurance provision is calculated according to the principles on which the premiums have been based, primarily on a prospective basis and the interest as used in the premium. The provision also includes a provision for future costs of processing benefits, the provision for unearned premiums and unexpired risks as well as the provision for claims outstanding, all as far as related to the life insurance business.

Non-actuarial basis General insurance and health outstanding claims provisions are based on the estimated ultimate cost of all claims incurred but not settled at year end, whether reported or not. Significant delays are experienced in the notification and settlement of certain types of general insurance claims, particularly in respect of liability business for which the ultimate cost cannot be known with certainty at year-end. Outstanding claim provisions include ‘claims incurred but not reported’ (IBNR). For health insurance the other provisions cover future costs for insured persons with chronic diseases.

Technical Information on Risk Coverage and Reinsurance The Group has developed its insurance underwriting strategy to diversify the type of insurance risks accepted and within each of these categories to achieve a sufficiently large population of risks to reduce the variability of the expected outcome. Factors that exacerbate insurance risk include lack of risk diversification in terms of type and amount of risk, geographical location and type of industry covered. The frequency and severity of claims can be affected by several factors. The most significant are the increasing level of awards for the damage suffered as a result of exposure to several factors. The Group only contracts reinsurance protection with reinsurance companies that are rated.

96,92858,629

-55,18463,06919,015

---

4,213------

--

-

-

--59

14,017

-2,56316,580

3,82420,404

-2720,377

--

--------

56,699-

26,8894,409

--

23,737-

1,664

3,402

-872-

4,194

-4,194

-4,194-382

3,812

--

--------

8,834-

6,382313

--

1,712-

427

939

11-

1,377

-1,377

-1,377

-1,377

79,08352,078

-47,95553,09816,626

---

3,873------

--

-

-

--102

9,507

-4389,945

1,19711,1423,598

14,740

--

--------

9,509-

9,211112

--

943-

-757

690

230-

163

-163

-163

-163

CARIBE LEVEN N.V. CARIBE ZORG N.V.CARIBE SCHADE N.V.

Contingent LiabilitiesThere are no other contingent liabilities, other than those that have been properly recorded and disclosed in the Annual Statements (ARAS) 2013.

Capital and or Surplus CommitmentsEnnia Caribe Holding N.V. is the parent company of the entities Ennia Caribe Leven N.V., Ennia Caribe Schade N.V. and Ennia Caribe Zorg N.V.

ENNIA FINANCIAL HIGHLIGHTS 2013

E N N I A I N F O R M AT I O N

CALL: 434 3888 | CLICK: www.ennia.com

Analysis of unassigned earnings 2013 2012 2013 2012 2013 2012Unassigned earnings (beginning of year) 57,431 42,691 8,038 1,580 6,122 5,959Net profit or loss 20,377 14,740 3,812 6,458 1,377 163Distribution of accumulated earnings - - - - - -Other changes in unassigned earnings - - - - - -Unassigned earnings (end of year) 77,808 57,431 11,850 8,038 7,499 6,122

LEVEN SCHADE ZORG

--

--------

59,774-

31,0423,706

--

20,640-

4,386

3,032

-856-32

6,530

-6,530

-6,530

-726,458

Balance sheetAs of December 31stAll amounts ANG x 1,000

Admissible assets Intangibles Investments: Real estate Unconsolidated affiliated companies and other participations Stocks Bonds and other fixed income securities Participation in non-affiliated investment pools Mortgage loans Other loans Deposits with financial institutions Other investments Current assets Other assets From separate accounts statement

Total

Equity, provisions and liabilities Capital and surplus: Capital Surplus Less treasury stock Subordinated instruments Provisions for insurance obligations: Net technical provision for life insurances Net technical provision for accident and sickness Net other technical provisions Other net policy and contract provisions Net unearned premium provision Net claim provision Current liabilities Other liabilities Contingent liabilities From separate accounts statement

Total

Profit and loss statementFor the year ended December 31stAll amounts ANG x 1,000 Premium and other policy considerations Net investment income and realized capital gains and losses Net other operational income Net benefits incurred Change in provisions for insurance obligations Net operational expenditures incurred Net other operational expenditures incurred Net transfers to or from separate accounts Other changes affecting net results Profit sharing to policyholders Net earned premiums Net other underwriting income Net claims incurred Net claim adjustment expenses incurred Net changes in various other provisions Policyholders’ dividends and other similar benefits incurred Underwriting expenses incurred Net other expenses incurred

Underwriting results(Without investment income and realized capital gains or losses)

Net investment income and earned and capital gains or losses Other results Extraordinary resultsNet operational results before corporate taxesand net results from separate accounts

Corporate taxesNet operational results after corporate taxesand before net results from separate accounts Net results from separate accountsNet operational results Net unrealized gains or lossesNet profit or loss

--

1,1454,192

--

10,676-

12,72032,75130,646

-

92,130

29,88211,685

--

--

--

13,06423,87612,628

98213

-

92,130

--

561,748

-----

6925,333

-

27,206

3,0007,434

--

--

--

6,0007,5153,257

---

27,206

--

-5,178

--

10,6761,305

12,72037,01629,695

-

96,590

29,8827,393

--

--

--

12,40130,76615,0881,058

2-

96,590

--

561,740

-----

4,90125,732

-

32,429

3,0006,051

--

--

--

6,0887,6099,681

---

32,429

35,913-

1,156127,957

-5,989

184,38222,908

565,260166,33993,25738,079

1,241,240

30,48467,044

--

1,084,263-

----

12,233-

9,13738,079

1,241,240

35,465-

28,62899,802

-10,094

236,16919,304

565,26095,438

198,51620,811

1,309,487

30,48487,587

--

1,151,806 -

----

12,162-

6,63720,811

1,309,487

- - - - - -

2013 2012 2013 2012 2013 2012

2013 2012 2013 2012 2013 2012

2013 2012 2013 2012 2013 2012