138 STUDENT LIVING JAMAICA LIMITED UNAUDITED FINANCIAL STATEMENTS



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UNAUDITED FINANCIAL STATEMENTS 1 ST QUARTER ENDED 31 DECEMBER

UNAUDITED FINANCIAL STATEMENTS 1 ST QUARTER ENDED 31 DECEMBER I N D E X Page CHAIRMAN S INTERIM REPORT TO THE SHAREHOLDERS 1 UNAUDITED FINANCIAL STATEMENTS Consolidated Statement of Comprehensive Income 2 Consolidated Statement of Financial Position 3 Consolidated Statement of Changes in Shareholders Equity 4 Consolidated Statement of Cash Flows 5 Notes to the Financial Statements 6-7 Top ten (10) largest shareholders 8 Shareholding of directors and connected parties 9

Page 1 12 February CHAIRMAN S REPORT TO THE SHAREHOLDERS The Board of Directors of 138 Student Living Jamaica Limited (138 SL) is pleased to present our unaudited consolidated financial results for the 1 st quarter ended 31 December. Financial Results Highlights At the end of the first quarter, 31 December, 138SL reported a net loss of $16.2M which compared favorably with our budgeted loss of $20.9M for the three (3) month period. Revenues generated totaled $47M compared to budgeted revenue of $49.1M while Operating Expenses are on target. Finance Costs for the quarter amounted to $30.7M whereas our budgeted finance cost was $37.7M. The favorable variance of $7M was due to the late drawdown of the long term funding to finance Block A. Occupancy levels on the halls averaged 98% for the two blocks opened to students while the third block came into operation in January 2016. Short term rental has become an important revenue stream which has contributed to our actual performance being in line with budget. Construction of phase 2 consisting of another 576 rooms and projected for completion in twelve (12) months commenced mid December. With delivery scheduled on a phased basis, however, operation of the facility will start in August 2016. During the last financial year, the directors signed a new Concession Agreement with UWI Mona for the restoration and reconstruction of certain traditional halls. The Concession is being done under a 100% subsidiary,138 SL Restoration Limited. The first project undertaken under that Agreement was the renovation of the Gerald Lalor Flats, which was completed on target at the end of December and brought into operations January 1, 2016 to be utilized in part for short term rental and for long term rental to mainly post graduate students. The Company has executed a binding Memorandum of Understanding with the University of Technology, Jamaica for the construction and operation of 600 rooms housing up to 1,200 students. Construction is due to commence during the latter part of the calendar year. Subsequent to the period end, Sagicor acquired a further 3.75% of the Company s Ordinary shares thus bringing their holdings to 29.05%, which is distributed amongst various Funds. Overall, we are satisfied with the performance of the Company to date. The demand for on-campus housing coupled with the response to the product being offered by 138SL augurs well for the future success of the operations. John W Lee CHAIRMAN

UNAUDITED CONSOLIDATED OF COMPREHENSIVE INCOME 1 ST QUARTER ENDING 31 DECEMBER Page 2 Note UNAUDITED 31 DEC AUDITED 30 Sep REVENUE Income 38,536 11,998 Other operating income 8,663 91 47,199 12,089 EXPENSES Administrative and other expenses (33,110) (11,223) PROFIT FROM OPERATION 14,089 866 Finance costs (30,679) (2,046) LOSS BEFORE TAXATION (16,590) (1,180) Taxation 297 935 NET LOSS FOR THE YEAR, BEING TOTAL COMPREHENSIVE LOSS (16,293) (245) Loss per stock unit 5 ($3.93) ($0.06)

Page 3 CONSOLIDATED STATEMENT OF FINANCIAL POSITION 1 ST QUARTER ENDING 31 DECEMBER Note NON-CURRENT ASSETS: UNAUDITED 31 DEC AUDITED 30 SEPT UNAUDITED 31 DEC 2014 Investment property 1,771,196 1,255,347 - Property, plant and equipment 84,319 96,525 - Construction in progress 386,435 646,852 543,284 Deferred tax asset 1,232 935-2,243,182 1,999,659 543,284 CURRENT ASSETS: Receivables 171,524 38,185 119,446 Taxation recoverable 3,209 3,112 360 Short term deposits 588,263 509,868 478,080 Cash and cash equivalents 17,875 44,540 5,073 780,871 595,705 602,959 3,024,053 2,595,364 1,146,243 EQUITY AND LIABILITIES: Share capital 721,153 721,153 691,647 Accumulated deficit (16,538) (245) - 704,615 720,908 691,647 NON-CURRENT LIABILITIES: Long term loan 6 1,986,032 1,036,684 266,554 Redeemable preference shares 172,642 172,642 172,642 2,158,674 1,209,326 439,196 CURRENT LIABILITIES: Payables 160,764 263,883 15,400 Short term borrowings - 401,247-160,764 665,130 15,400 3,024,053 2,595,364 1,146,243 Approved and signed on behalf of the Board by: John W Lee Chairman Sharon Donaldson - Director

Page 4 UNAUDITED CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME 1 ST QUARTER ENDED 31 DECEMBER SHARE CAPITAL RETAINED EARNINGS TOTAL TOTAL COMPREHENSIVE INCOME Balance at 14 November 2014 435,565-435,565 TRANSACTION WITH OWNERS Net Issue of shares 256,082-256,082 Balance at 31 December 2014 691,647-691,647 Net Loss - (245) (245) TRANSACTION WITH OWNERS Adjustment to transaction costs 29,506-29,506 Balance at 30 September 721,153 (245) 720,908 Net Loss - (16,293) (16,293) Balance at 31 December 721,153 (16,538) 704,615

Page 5 CASH FLOW FROM OPERATING ACTIVITIES UNAUDITED CONSOLIDATED STATEMENT OF CASH FLOWS 1 ST QUARTER ENDED 31 DECEMBER Note Unaudited 1 st Qtr Dec Audited Sept Unaudited 1 st Qtr Dec 2014 Net loss (16,293) (245) - Items not affecting cash resources: Deferred taxation (297) (935) - Interest income (8,142) (67) - Interest expense 30,679 1,958 - Depreciation 1,368 1,638-7,315 2,349 - Changes in operating assets and liabilities: Receivables (125,196) (38,118) (119,446) Taxation recoverable (97) (3,112) (360) Other payables (133,798) 261,925 15,400 (259,091) 220,695 (104,406) Net cash (used in)/provided by operating activities (251,776) 223,044 (104,406) CASHFLOW FROM INVESTING ACTIVITIES: Additions to property, plant and equipment (14,470) (98,162) - Transfers from property, plant and equipment 25,307 - - Construction in progress 260,417 (429,070) (107,719) Investment property (515,849) (1,037,565) - Short term deposits (78,395) (509,868) (478,080) Net cash used in investing activities (322,991) (2,074,665) (585,799) CASHFLOW FROM FINANCING ACTIVITIES: Share capital - 285,588 256,082 Preference shares - 172,642 172,642 Short term loan (401,247) 401,247 - Long term loans 949,349 1,036,684 266,554 Net cash provided by financing activities 548,102 1,896,161 695,278 Net (decrease)/increase in cash and cash equivalents (26,665) 44,540 5,073 Cash and cash equivalents at start of year 44,540 - - CASH AND CASH EQUIVALENTS AT THE END OF THE YEAR 17,875 44,540 5,073

Page 6 UNAUDITED NOTES TO THE FINANCIAL STATEMENTS 1 ST QUARTER ENDED 31 DECEMBER 1. IDENTIFICATION AND PRINCIPAL ACTIVITIES: (a) 138 Student Living Jamaica Limited (138 SL) is a limited liability company. The company was incorporated in Jamaica on 15 August 2014 and is domiciled in Jamaica. The registered office of the company is located at 7 th Floor, Scotiabank Centre, Corner of Duke and Port Royal Streets, Kingston. (b) (c) (d) The company is established to construct and rent living facilities at the University of the West Indies under a 65 years concession agreement granted by the University of the West Indies. The company, (138SL), is a public listed company and was listed on the Jamaica Stock Exchange on 18 December 2014. The company has a 100% subsidiary, 138SL Restoration Limited, a limited liability company, incorporated in Jamaica on 30 April and domiciled in Jamaica and which has a 35 year concession agreement. The concession was granted by the University of the West Indies, Mona, for the restoration and reconstruction of certain traditional Halls. 2. REPORTING CURRENCY: Items included in the financial statements of the company are measured using the primary economic environment in which the company operates ( the functional currency ). These financial statements are presented in Jamaican dollars which is considered the company s functional and presentation currency. 3. BASIS OF CONSOLIDATON: The consolidated financial statements combine the financial position, results of operations and cash flows of the Company and its subsidiary, 138SL Restoration Limited. 4. SIGNIFICANT ACCOUNTING POLICIES: The financial statements are prepared in accordance International Financial Reporting Standards (IFRSs) and their interpretations issued by the International Accounting Standards Board and comply with the provisions of the Jamaican Companies Act. The principal accounting policies applied in the preparation of these unaudited financial statements are consistent with those used in the audited financial statements for the year ended 30 September and comply with the requirements of the International Financial Reporting Standards (IAS 34, Interim Financial Reporting).

Page 7 UNAUDITED NOTES TO THE FINANCIAL STATEMENTS 1 ST QUARTER ENDED 31 DECEMBER 5. Loss per stock unit Loss per stock unit is calculated by dividing the net loss attributable to stockholders by the weighted average number of ordinary stock units in issue. Dec J$ Sept J$ Net loss attributable to stockholders (16,293,548) (244,628) Weighted average number of ordinary stock units 414,500,000 382,171,233 Loss per stock unit 3.93 0.06 6. LONG TERM LOAN: Group Dec Group Sept Group Dec 2014 Long Term Promissory Notes 1,863,155 1,036,684 - Jamaica Mortgage Bank 62,667,- 167,430 National Commercial Bank 60,210-99,124 1,986,032 1,036,684 266,554 Long Term Promissory Notes have been issued through CIBC First Caribbean International Bank and held by JCSD Trustee Services Limited, as Trustees for the Noteholders, with a fifteen (15) year tenor carrying interest at 6 months weighted average treasury bill yield (WATBY) plus 350 basis points. During the period, additional Long Term Notes were issued on the completion and hand over of the third block in the amount of $386M. The subsidiary, 138 SL Restoration also raised funding for the renovation works for Gerald Lalor Hall through long term instruments issued through Victoria Mutual Wealth Management and MoneyMasters Limited to raise up to $2.795B for a period of 15 years. Interest is fixed at 11.5% for the first six months and thereafter a variable rate of 350 basis points above the weighted average rate applicable to the six month Jamaica Treasury Bill Tender (WATBY). JCSD Trustee Services Limited are the Trustee for the long term instruments and $440M has been raised to date. A joint loan with Jamaica Mortgage Bank Limited (JMB) and National Commercial Bank Jamaica Limited (NCB) of up to $1.52B was negotiated to facilitate the construction of Phase 2 of the Concession Agreement. The loan s tenor is up to 18 months with a fixed interest rate of 11.5%. As at 31 December 2014, a similar joint loan had been negotiated with the same institutions in the amount of $1.35B to facilitate the construction of Phase 1 of the Project and of which $266,544,000 had been disbursed to the company during the first quarter. The loan tenor was for a period up to 15 months with a 13.5% fixed interest rate.

Page 8 TOP TEN (10) LARGEST SHAREHOLDERS QUARTERLY REPORT AS AT 31 DECEMBER SHAREHOLDER HOLDINGS AS AT 31 DECEMBER % SHAREHOLDING K LIMITED 167,439,627 40.4% SAGICOR 104,723,820 25.3% Sagicor Pooled Equity Fund 45,833,333 JCSD Trustee Services Ltd Sigma Optima 30,157,154 Sagicor Pooled Mortgage & Real Estate Fund 16,233,333 Sagicor Life Jamaica Limited 12,500,000 STIEBEL, DOUGLAS/CHRISTINE STIEBEL 31,352,359 7.6% BARITA INVESTMENTS LIMITED 14,477,800 3.5% FIRST CARIBBEAN INTERNATIONAL SECURITIES A/C BARITA 12,200,000 2.9% REAL ESTATE PORTFOLIO WISYNCO GROUP LIMITED PENSION FUND 10,000,000 2.4% THOMAS, KINGSLEY CHARLES ST. GEORGE 8,275,899 2.0% BROWN BARRINGTON PHILLIP 7,334,592 1.8% WILLIAMS, ENITH MARTIN 5,228,474 1.3% BEACH, HELINE 5,000,000 1.2% -

Page 9 SHAREHOLDING OF DIRECTORS AND CONNECTED PERSONS For purposes of compliance with Rule 407 of the Jamaica Stock Exchange Rules, details of stockholdings of Directors and Senior Management and their connected persons as at 31 December are set out hereunder: DIRECTORS SHAREHOLDING CONNECTED PERSONS SHAREHOLDING JOHN W. LEE NIL K LIMITED 167,439,627 MARRYNETTE LEE NIL MARRYNETTE LEE NIL K LIMITED 167,439,627 JOHN W LEE NIL DOUGLAS STIEBEL NIL DOUGLAS/CHRISTINE STIEBEL 31,352,359 CHRISTINE STIEBEL NIL ANGELA LEE LOY NIL IAN ANDREW LEE NIL AEGIS BUSINESS SOLUTIONS LTD NIL EVE ANDERSON RECRUITMENT LTD NIL DEBBIE-ANN GORDON NIL ERIC CRAWFORD NIL SHARON DONALDSON 100,000 JUNIOR LEVINE NIL SHAREHOLDING OF SENIOR MANAGEMENT AND CONNECTED PERSONS SENIOR MANAGEMENT SHAREHOLDING CONNECTED PERSONS SHAREHOLDING ROSE HAMILTON NIL SEZVIN HAMILTON DEC D NIL MICHELLE MORRISON NIL DAVE MORRISON NIL