ficer - USVIEDA Wayne L. Biggs, Jr., Assistant Chief Executive Officer - USVIEDA Ernest Halliday, Director of Administration and Finance - USVIEDA Sandra Bess, Compliance Officer - VIEDC EFTA00798335 Beneficiary: Southern Trust Company, Inc. IncentivePeriod: February 1, 2013 - January 31, 2023 REPORTS

August 22, 2018 Sandra Bess Compliance Officer Economic Development Authority 8000 Nisky Shopping Center, Suite 620 St. Thomas, VI 00802 Re: Compliance Review Ms. Bess: T

rard Director of Compliance cc. 1Camal I. Latham, Chief Executive Officer, USVIEDA Wayne L. Biggs Jr., Assistant Chief Executive Officer, USVIEDA Sandra Bess, Compliance Officer 11, VIEDC Joy Penn, Senior Compliance Officer, VIEDC 1 EFTA00809639 'Cor:3;1k TOe4t44314rWeirt Authority St. CROIX 116 king

TC (via email only) Percival Clouden, Chief Executive Officer Jennifer Nugent-Hill, ACEO/Chief Operating Officer Tracy Lynch Bhola, Legal Counsel Sandra Bess, Compliance Officer EFTA00617894

KELLERHALSIFERGUSON August 25, 2011 Ms. Sandra Bess Compliance Officer Economic Development Authority 5055 Norre Gade St. Thomas, VI 00802 Re: EDC Residency Requirements for Employees and Owners

, 2013. Please note these reports have also been sent to you via the US Post Office. Should you require assistance, do not hesitate to contact us. Sandra Bess Como; Email: Phon • EFTA_R1_02066157 EFTA02700400

wrote: Hi Jeffrey, The new C=O of the EDC, Kamal Latham, would like to schedule with us. Erika thi=ks it would be best if you were here as well. Sandra Bess asked us to=give her some dates in November, December, January or February. Pleas= let me know what dates work for you in the coming months. jwiebr