Quarterlytics / Industrials / Marine Shipping / SFL Corporation Ltd. / FY2018 Annual Report

SFL Corporation Ltd.
Annual Report 2018

SFL · NYSE Industrials
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Industry Marine Shipping
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FY2018 Annual Report · SFL Corporation Ltd.
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3/27/2019

20-F 1 sfl201820-f.htm 20-F

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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM 20-F
[   ]   REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR (g)
OF THE SECURITIES EXCHANGE ACT OF 1934

OR

[X]    ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d)
OF THE SECURITIES EXCHANGE ACT OF 1934

December 31, 2018

OR

[   ]  TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d)
OF THE SECURITIES EXCHANGE ACT OF 1934

[   ]  SHELL COMPANY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934

OR

For the fiscal year ended

For the transition period from

Date of event requiring this shell company report

Commission file number

001-32199

Ship Finance International Limited

(Exact name of Registrant as specified in its charter)

(Translation of Registrant's name into English)

Bermuda

(Jurisdiction of incorporation or organization)

Par-la-Ville Place, 14 Par-la-Ville Road, Hamilton, HM 08, Bermuda

(Address of principal executive offices)

James Ayers
Par-la-Ville Place, 14 Par-la-Ville Road, Hamilton, HM 08, Bermuda
Tel: +1 (441)295-9500, Fax: +1(441)295-3494

(Name, Telephone, Email and/or Facsimile number and Address of Company Contact Person)

Securities registered or to be registered pursuant to section 12(b) of the Act

Title of each class

Common Shares, $0.01 Par Value

Name of each exchange on which registered

New York Stock Exchange

Securities registered or to be registered pursuant to section 12(g) of the Act.

Securities for which there is a reporting obligation pursuant to Section 15(d) of the Act.

None

(Title of Class)

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None

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(Title of Class)

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Indicate the number of outstanding shares of each of the issuer's classes of capital or common stock as of the close of the period covered by the annual report.

119,373,064 

 Common Shares, $0.01 Par Value

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.

[ X ] Yes  [  ] No

If this report is an annual or transition report, indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934.

[   ] Yes  [ X ] No

Note – Checking the box above will not relieve any registrant required to file reports pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
from their obligations under those Sections.

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during
the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for
the past 90 days.

[ X ] Yes  [   ] No

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of
Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).

[ X ] Yes  [   ] No

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or an emerging growth company.  See
definition of accelerated filer and large accelerated filer in Rule 12b-2 of the Exchange Act. (Check one):

Large accelerated filer  [ X ]

Accelerated filer  [  ]

Non-accelerated filer  [   ]

Emerging growth company  [   ]

If an emerging growth company that prepares its financial statements in accordance with U.S. GAAP, indicate by check mark if the registrant has elected not to
use the extended transition period for complying with any new or revised financial accounting standards† provided pursuant to Section 13(a) of the Exchange
Act. [   ]

† The term new or revised financial accounting standard refers to any update issued by the Financial Accounting Standards Board to its Accounting Standards
Codification after April 5, 2012.

Indicate by check mark which basis of accounting the registrant has used to prepare the financial statements included in this filing:

[ X ]  U.S. GAAP

[   ]  International Financial Reporting Standards as issued by the
International Accounting Standards Board

[   ]  Other

If "Other" has been checked in response to the previous question, indicate by check mark which financial statement item the registrant has elected to follow:

[    ] Item 17  [   ] Item 18

If this is an annual report, indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).

[   ] Yes  [ X ] No

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INDEX TO REPORT ON FORM 20-F

PART I

PAGE

ITEM 1.

ITEM 2.

ITEM 3.

ITEM 4.

IDENTITY OF DIRECTORS, SENIOR MANAGEMENT AND ADVISERS

OFFER STATISTICS AND EXPECTED TIMETABLE

KEY INFORMATION

INFORMATION ON THE COMPANY

ITEM 4A.

UNRESOLVED STAFF COMMENTS

ITEM 5.

ITEM 6.

ITEM 7.

ITEM 8.

ITEM 9.

ITEM 10.

ITEM 11.

ITEM 12.

ITEM 13.

ITEM 14.

ITEM 15.

OPERATING AND FINANCIAL REVIEW AND PROSPECTS

DIRECTORS, SENIOR MANAGEMENT AND EMPLOYEES

MAJOR SHAREHOLDERS AND RELATED PARTY TRANSACTIONS

FINANCIAL INFORMATION

THE OFFER AND LISTING

ADDITIONAL INFORMATION

QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

DESCRIPTION OF SECURITIES OTHER THAN EQUITY SECURITIES

PART II

DEFAULTS, DIVIDEND ARREARAGES AND DELINQUENCIES

MATERIAL MODIFICATIONS TO THE RIGHTS OF SECURITY HOLDERS AND USE OF PROCEEDS

CONTROLS AND PROCEDURES

ITEM 16A.

AUDIT COMMITTEE FINANCIAL EXPERT

ITEM 16B.

ITEM 16C.

CODE OF ETHICS

PRINCIPAL ACCOUNTANT FEES AND SERVICES

ITEM 16D.

EXEMPTIONS FROM THE LISTING STANDARDS FOR AUDIT COMMITTEES

ITEM 16E.

ITEM 16F.

ITEM 16G.

ITEM 16H.

PURCHASE OF EQUITY SECURITIES BY THE ISSUER AND AFFILIATED PURCHASERS

CHANGE IN REGISTRANT'S CERTIFYING ACCOUNTANT

CORPORATE GOVERNANCE

MINE SAFETY DISCLOSURE

ITEM 17.

ITEM 18.

ITEM 19.

FINANCIAL STATEMENTS

FINANCIAL STATEMENTS

EXHIBITS

PART III

i

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24

41

42

77

80

85

87

88

97

99

100

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100

101

101

101

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CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING STATEMENTS

Matters discussed herein may constitute forward-looking statements. The Private Securities Litigation Reform Act of 1995 provides safe harbor
protections for forward-looking statements in order to encourage companies to provide prospective information about their business. Forward-
looking  statements  include,  but  are  not  limited  to,  statements  concerning  plans,  objectives,  goals,  strategies,  future  events  or  performance,
underlying assumptions and other statements, which are other than statements of historical facts.

The Company desires to take advantage of the safe harbor provisions of the Private Securities Litigation Reform Act of 1995 and is including
this cautionary statement pursuant to this safe harbor legislation. This report and any other written or oral statements made by the Company or on
its  behalf  may  include  forward-looking  statements,  which  reflect  the  Company’s  current  views  with  respect  to  future  events  and  financial
performance.  The  words  “believe,”  “anticipate,”  “intend,”  “estimate,”  “forecast,”  “project,”  “plan,”  “potential,”  “may,”  “should,”  “expect,”
“pending” and similar expressions identify forward-looking statements.

The  forward-looking  statements  herein  are  based  upon  various  assumptions,  many  of  which  are  based,  in  turn,  upon  further  assumptions,
including, without limitation, management’s examination of historical operating trends, data contained in the Company’s records and other data
available from third parties. Although the Company believes that these assumptions were reasonable when made, because these assumptions are
inherently  subject  to  significant  uncertainties  and  contingencies  which  are  difficult  or  impossible  to  predict  and  are  beyond  its  control,  the
Company cannot assure you that it will achieve or accomplish these expectations, beliefs or projections.

Such statements reflect the Company’s current views with respect to future events and are subject to certain risks, uncertainties and assumptions.
Should  one  or  more  of  these  risks  or  uncertainties  materialize,  or  should  underlying  assumptions  prove  incorrect,  actual  results  may  vary
materially from those described herein as anticipated, believed, estimated, expected or intended. The Company is making investors aware that
such forward-looking statements, because they relate to future events, are by their very nature subject to many important factors that could cause
actual  results  to  differ  materially  from  those  contemplated.  In  addition  to  these  important  factors  and  matters  discussed  elsewhere  herein,
important  factors  that,  in  the  Company’s  view,  could  cause  actual  results  to  differ  materially  from  those  discussed  in  the  forward-looking
statements include, but are not limited to:

▪

▪

▪

▪

▪

▪

▪

▪

▪

▪

▪

▪

▪

▪

▪

▪

▪

▪

▪

the strength of world economies;

the Company’s ability to generate cash to service its indebtedness;

the Company’s ability to continue to satisfy its financial and other covenants, or obtain waivers relating to such covenants from its lenders
under its credit facilities;

the Company’s ability to obtain financing in the future to fund capital expenditures, acquisitions and other general corporate activities;

the Company’s counterparties’ ability or willingness to honor their obligations under agreements with it;

fluctuations in currencies and interest rates;

general market conditions including fluctuations in charter hire rates and vessel values;

changes  in  supply  and  generally  the  number,  size  and  form  of  providers  of  goods  and  services  in  the  markets  in  which  the  Company
operates;

changes in demand in the markets in which the Company operates;

changes  in  demand  resulting  from  changes  in  the  Organization  of  the  Petroleum  Exporting  Countries’  petroleum  production  levels  and
worldwide oil consumption and storage;

developments regarding the technologies relating to oil exploration;

changes  in  market  demand  in  countries  which  import  commodities  and  finished  goods  and  changes  in  the  amount  and  location  of  the
production of those commodities and finished goods;

increased inspection procedures and more restrictive import and export controls;

the imposition of sanctions by the Office of Foreign Assets Control of the Department of the U.S. Treasury or pursuant to other applicable
laws or regulations against the Company or any of its subsidiaries;

changes in the Company’s operating expenses, including bunker prices, drydocking and insurance costs;

performance of the Company’s charterers and other counterparties with whom the Company deals;

the impact of any restructuring of the counterparties with whom the Company deals, including any ongoing restructurings of Deep Sea
Supply Shipowing II AS and Solstad Offshore ASA or Solstad;

timely delivery of vessels under construction within the contracted price;

changes in governmental rules and regulations or actions taken by regulatory authorities;

ii

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▪

▪

▪

▪

potential liability from pending or future litigation;

general domestic and international political conditions;

potential disruption of shipping routes due to accidents; and

piracy or political events.

This  report  may  contain  assumptions,  expectations,  projections,  intentions  and  beliefs  about  future  events.  These  statements  are  intended  as
forward-looking statements. The Company may also from time to time make forward-looking statements in other documents and reports that are
filed  with  or  submitted  to  the  Commission,  in  other  information  sent  to  the  Company’s  security  holders,  and  in  other  written  materials.  The
Company also cautions that assumptions, expectations, projections, intentions and beliefs about future events may and often do vary from actual
results and the differences can be material. The Company undertakes no obligation to publicly update or revise any forward-looking statement
contained in this report, whether as a result of new information, future events or otherwise, except as required by law.

iii

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PART I

ITEM 1.

IDENTITY OF DIRECTORS, SENIOR MANAGEMENT AND ADVISERS

Not Applicable.

ITEM 2.

OFFER STATISTICS AND EXPECTED TIMETABLE

Not Applicable.

ITEM 3.

KEY INFORMATION

Throughout this report, the "Company", "Ship Finance", "we", "us" and "our" all refer to Ship Finance International Limited and its subsidiaries.
We use the term deadweight ton, or dwt, in describing the size of the vessels. Dwt, expressed in metric tons, each of which is equivalent to 1,000
kilograms, refers to the maximum weight of cargo and supplies that a vessel can carry. We use the term twenty-foot equivalent units, or TEU, in
describing container vessels to refer to the number of standard twenty foot containers that the vessel can carry, and we use the term car equivalent
units,  or  CEU,  in  describing  car  carriers  to  refer  to  the  number  of  standard  cars  that  the  vessel  can  carry.  Unless  otherwise  indicated,  all
references to "USD," "US$" and "$" in this report are to, and amounts are presented in, U.S. dollars.

A. SELECTED FINANCIAL DATA

Our selected income statement and cash flow statement data with respect to the fiscal years ended December 31, 2018, 2017 and 2016 and our
selected balance sheet data with respect to the fiscal years ended December 31, 2018 and 2017 have been derived from our consolidated financial
statements included in Item 18 of this annual report, prepared in accordance with accounting principles generally accepted in the United States,
which we refer to as US GAAP.

The selected income statement and cash flow statement data for the fiscal years ended December 31, 2015 and 2014 and the selected balance
sheet  data  for  the  fiscal  years  ended  December  31,  2016,  2015  and  2014  have  been  derived  from  our  consolidated  financial  statements  not
included  herein.    The  following  table  should  be  read  in  conjunction  with  Item  5.  "Operating  and  Financial  Review  and  Prospects"  and  our
consolidated financial statements and the notes to those statements included herein.

Year Ended December 31,

2018   
(in thousands of dollars except common share and per share data)

2015   

2017   

2016   

Income Statement Data:

Total operating revenues

Net operating income

Net income

Earnings per share, basic

Earnings per share, diluted

Dividends declared

Dividends declared per share

418,712   
117,615   
73,622   

380,878   
154,626   
101,209   

412,951   
168,089   
146,406   

406,740   
166,046   
200,832   

$

$

$

0.70    $
0.69    $

1.06    $
1.03    $

1.57    $
1.50    $

2.15    $
1.88    $

149,261   

152,907   

168,289   

162,594   

1.40    $

1.60    $

1.80    $

1.74    $

1

2014 

327,487 
145,146 
122,815 
1.32 
1.24 
152,142 
1.63 

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Balance Sheet Data (at end of period):

Cash and cash equivalents

Vessels and equipment, net (including newbuildings)

Vessels and equipment under capital lease, net

Investment in direct financing and sales-type leases
(including current portion)

Investment in associated companies (including loans and
receivables)

Total assets

Short and long term debt (including current portion)

Capital lease obligations (including current portion)

Share capital

Stockholders' equity

Common shares outstanding (1)

Weighted average common shares outstanding(1)

Cash Flow Data:

Cash provided by operating activities

Cash provided by (used in) investing activities

Cash provided by (used in) financing activities

Year Ended December 31,

2018 

2017 

2016   

2015   

2014 

(in thousands of dollars except common share and per share data)

211,394 
1,559,712 
749,889 

153,052 
1,762,596 
— 

62,382   
1,770,616   
—   

70,175   
1,681,466   
—   

50,818 
1,464,700 
— 

802,159 

618,071 

556,035   

511,443   

746,531 

366,907 
3,877,845 
1,437,080 
1,172,051 
1,194 
1,180,032 
119,373,064 
105,897,798 

328,505 
3,012,082 
1,504,007 
239,607 
1,109 
1,194,997 
110,930,873 
95,596,644 

330,877   
2,937,377   
1,552,874   
122,403   
1,015   
1,134,095   
101,504,575   
93,496,744   

495,479   
3,032,554   
1,634,205   
—   
93,468   
1,241,810   
93,468,000   
93,449,904   

399,488 
3,004,596 
1,695,501 
— 
93,404 
1,153,492 
93,404,000 
93,330,622 

200,975 
(866,564)  
724,931 

177,796 
48,362 
(135,488)  

230,073   
39,399   
(277,265)  

258,401   
(205,782)  

(33,262)  

132,401 
(21,940)

(118,284)

Note 1: The number of common shares outstanding at December 31, 2018 and 2017 includes 8,000,000 shares issued as part of a share lending arrangement relating to the issue in
October 2016 of our 5.75% senior unsecured convertible bonds and 3,765,842 shares issued as of December 31, 2018 from up to 7,000,000 shares issuable under a share lending
arrangement relating to the Company's issuance of its 4.875%  senior  unsecured  convertible  bonds  in  April  and  May  2018.  These  shares  are  owned  by  the  Company  and  will  be
returned on or before maturity of the bonds in 2021 and 2023. Accordingly, they are not included in the weighted average number of common shares outstanding at December 31,
2018 and 2017.

B. CAPITALIZATION AND INDEBTEDNESS

Not Applicable.

C. REASONS FOR THE OFFER AND USE OF PROCEEDS

Not Applicable.

D. RISK FACTORS

Our  assets  are  primarily  engaged  in  transporting  crude  oil  and  oil  products,  dry  bulk  and  containerized  cargoes,  and  in  offshore  drilling  and
related activities. The following summarizes the risks that may materially affect our business, financial condition or results of operations.  Unless
otherwise indicated in this annual report on Form 20-F, all information concerning our business and our assets is as of March 26, 2019.

2

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Risks Relating to Our Industry

The seaborne transportation industry is cyclical and volatile, and this may lead to reductions in our charter rates, vessel values and results of
operations.

The international seaborne transportation industry is both cyclical and volatile in terms of charter rates and profitability. The degree of charter
rate volatility for vessels has varied widely.  Fluctuations in charter rates result from changes in the supply and demand for vessel capacity and
changes  in  the  supply  and  demand  for  energy  resources,  commodities,  semi-finished  and  finished  consumer  and  industrial  products
internationally carried at sea. If we enter into a charter when charterhire rates are low, our revenues and earnings will be adversely affected. In
addition, a decline in charterhire rates is likely to cause the market value of our vessels to decline. We cannot assure you that we will be able to
successfully charter our vessels in the future or renew our existing charters at rates sufficient to allow us to operate our business profitably, meet
our obligations or pay dividends to our shareholders. The factors affecting the supply and demand for vessels are outside of our control, and the
nature, timing and degree of changes in industry conditions are unpredictable.

Factors that influence demand for vessel capacity include:

•
•

•
•
•
•
•
•
•
•
•

supply and demand for energy resources, commodities, semi-finished and finished consumer and industrial products;
changes  in  the  exploration  for  and  production  of  energy  resources,  commodities,  semi-finished  and  finished  consumer  and  industrial
products;
the location of regional and global production and manufacturing facilities;
the location of consuming regions for energy resources, commodities, semi-finished and finished consumer and industrial products;
the globalization of production and manufacturing;
global and regional economic and political conditions, including armed conflicts, terrorist activities, embargoes and strikes;
developments in international trade;
changes in seaborne and other transportation patterns, including the distance cargo is transported by sea;
environmental and other regulatory developments;
currency exchange rates; and
weather and natural disasters.

Factors that influence the supply of vessel capacity include:

•
•
•
•
•
•
•

the number of newbuilding deliveries;
the scrapping rate of older vessels;
the price of steel and vessel equipment;
changes in environmental and other regulations that may limit the useful lives of vessels;
vessel casualties;
the number of vessels that are out of service; and
port or canal congestion.

Demand for our vessels and charter rates are dependent upon, among other things, seasonal and regional changes in demand and changes to the
capacity of the world fleet. We believe the capacity of the world fleet is likely to increase, and there can be no assurance that global economic
growth will be at a rate sufficient to utilize this new capacity. Continued adverse economic, political or social conditions or other developments
could further negatively impact charter rates, and therefore have a material adverse effect on our business, results of operations and ability to pay
dividends.

An over-supply of vessel capacity may lead to reductions in charter hire rates and profitability.

The supply of vessels generally increases with deliveries of new vessels and decreases with the scrapping of older vessels, conversion of vessels
to other uses, such as floating production and storage facilities, and loss of tonnage as a result of casualties. An over-supply of vessel capacity,
combined with a decline in the demand for such vessels, may result in a reduction of charter hire rates.  Upon the expiration or termination of our
vessels' current charters, if we are unable to re-charter our vessels at rates sufficient to allow us to operate our vessels profitably or at all, it would
have a material adverse effect on our revenues and profitability.

3

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If economic conditions throughout the world deteriorate or become more volatile, it could impede our operations.

Our ability to secure funding is dependent on well-functioning capital markets and on an appetite to provide funding to the shipping industry. At
present, capital markets are well-functioning and funding is available for the shipping industry. However, if global economic conditions worsen
or lenders for any reason decide not to provide debt financing to us, we may not be able to secure additional financing to the extent required, on
acceptable terms or at all. If additional financing is not available when needed, or is available only on unfavorable terms, we may be unable to
meet  our  obligations  as  they  come  due,  or  we  may  be  unable  to  enhance  our  existing  business,  complete  additional  vessel  acquisitions  or
otherwise take advantage of business opportunities as they arise.

The world economy faces a number of challenges, including the effects of volatile oil prices, continuing turmoil and hostilities in the Middle
East, the Korean Peninsula, North Africa and other geographic areas and countries. If one or more of the major national or regional economies
should weaken, there is a substantial risk that such a downturn will impact the world economy. There has historically been a strong link between
the development of the world economy and demand for energy, including oil and gas.

In  Europe,  large  sovereign  debts  and  fiscal  deficits,  low  growth  prospects  and  high  unemployment  rates  in  a  number  of  countries  have
contributed  to  the  rise  of  Eurosceptic  parties,  which  would  like  their  countries  to  leave  the  Euro.  The  exit  of  the  United  Kingdom  from  the
European Union and potential new trade policies in the United States further increase the risk of additional trade protectionism.

In China, a transformation of the Chinese economy is underway, as China transforms from a production-driven economy towards a service or
consumer-driven economy. The Chinese economic transition implies that we do not expect the Chinese economy to return to double digit GDP
growth rates in the near term. The quarterly year-over-year growth rate of China's GDP decreased to 6.6% for the year ending December 31,
2018 as compared to 6.9% for the year ending December 31, 2017 and continues to remain below pre-2008 levels. Furthermore, there is a rising
threat of a Chinese financial crisis resulting from massive personal and corporate indebtedness.

While the recent developments in Europe and China have been without significant immediate impact on our charter rates, an extended period of
deterioration  in  the  world  economy  could  reduce  the  overall  demand  for  our  services.  Such  changes  could  adversely  affect  our  future
performance, results of operations, cash flows and financial position.

The  United  Kingdom’s  decision  to  leave  the  European  Union  following  a  referendum  in  June  2016  (“Brexit”),  contributes  to  considerable
uncertainty concerning the current and future economic environment. Brexit could adversely affect European or worldwide political, regulatory,
economic or market conditions and could contribute to instability in global political institutions, regulatory agencies and financial markets. We
believe that these effects of Brexit won’t materially affect our business, results of operations and financial condition.

Further, governments may turn to trade barriers to protect their domestic industries against foreign imports, thereby depressing shipping demand.
In  particular,  leaders  in  the  United  States  have  indicated  the  United  States  may  seek  to  implement  more  protective  trade  measures.  President
Trump was elected on a platform promoting trade protectionism. The results of the presidential election have thus created significant uncertainty
about the future relationship between the United States, China and other exporting countries, including with respect to trade policies, treaties,
government regulations and tariffs. For example, on January 23, 2017, President Trump signed an executive order withdrawing the United States
from the Trans- Pacific Partnership, a global trade agreement intended to include the United States, Canada, Mexico, Peru and a number of Asian
countries. In March 2018, President Trump announced tariffs on imported steel and aluminum into the United States that could have a negative
impact  on  international  trade  generally.  Most  recently,  in  January  2019,  the  United  States  announced  expanded  sanctions  against  Venezuela,
which may have an effect on its oil output and in turn affect global oil supply. Protectionist developments, or the perception they may occur, may
have  a  material  adverse  effect  on  global  economic  conditions,  and  may  significantly  reduce  global  trade.  Moreover,  increasing  trade
protectionism may cause an increase in (a)the cost of goods exported from regions globally, (b) the length of time required to transport goods and
(c)  the  risks  associated  with  exporting  goods.  Such  increases  may  significantly  affect  the  quantity  of  goods  to  be  shipped,  shipping  time
schedules,  voyage  costs  and  other  associated  costs,  which  could  have  an  adverse  impact  on  our  charterers’  business,  operating  results  and
financial condition and could thereby affect their ability to make timely charter hire payments to us and to renew and increase the number of their
time charters with us. This could have a material adverse effect on our business, results of operations and financial condition.

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Also, as a result of concerns about the stability of financial markets generally and the solvency of counterparties specifically, the availability and
cost of obtaining money from the public and private equity and debt markets has become more difficult. Many lenders have increased interest
rates, enacted tighter lending standards, refused to refinance existing debt at all or on terms similar to current debt, and reduced, and in some
cases ceased, to provide funding to borrowers and other market participants, including equity and debt investors, and some have been unwilling
to invest on attractive terms or even at all. Due to these factors, we cannot be certain that financing will be available if needed and to the extent
required on acceptable terms. If financing is not available when needed, or is available only on unfavorable terms, we may be unable to meet our
obligations as they come due or we may be unable to enhance our existing business, complete additional vessel acquisitions or otherwise take
advantage of business opportunities as they arise.

As of December 31, 2018, we had total outstanding indebtedness of $2.1 billion under our various credit facilities and bond loans, including our
equity-accounted subsidiaries and a further $1.2 billion of capital lease obligations.

Prospective investors should consider the potential impact, uncertainty and risk associated with the development in the wider global economy.
Further economic downturn in any of these countries could have a material effect on our future performance, results of operations, cash flows
and financial position.

Safety,  environmental  and  other  governmental  and  other  requirements  expose  us  to  liability,  and  compliance  with  current  and  future
regulations  could  require  significant  additional  expenditures,  which  could  have  a  material  adverse  effect  on  our  business  and  financial
results.

Our  operations  are  affected  by  extensive  and  changing  international,  national,  state  and  local  laws,  regulations,  treaties,  conventions  and
standards in force in international waters, the jurisdictions in which our tankers and other vessels operate, and the country or countries in which
such vessels are registered, including those governing the management and disposal of hazardous substances and wastes, the cleanup of oil spills
and  other  contamination,  air  emissions,  and  water  discharges  and  ballast  and  bilge  water  management.  These  regulations  include,  but  are  not
limited  to,  the  U.S.  Oil  Pollution  Act  of  1990,  or  OPA,  requirements  of  the  U.S.  Coast  Guard,  or  the  USCG,  and  the  U.S.  Environmental
Protection Agency, or EPA, the U.S. Comprehensive Environmental Response, Compensation and Liability Act of 1980, or CERCLA, the U.S.
Clean Water Act, the U.S. Maritime Transportation Security Act of 2002, and regulations of the International Maritime Organization, or IMO,
including  the  International  Convention  for  the  Safety  of  Life  at  Sea  of  1974,  or  SOLAS,  the  International  Convention  for  the  Prevention  of
Pollution  from  Ships  of  1973,  or  MARPOL,  including  the  designation  thereunder  of  Emission  Control  Areas,  or  ECAs,  the  International
Convention on Civil Liability for Oil Pollution Damage of 1969, or CLC, and the International Convention on Load Lines of 1966. In particular,
MEPC 73, amendments to Annex VI to prohibit the carriage of bunkers above 0.5% sulfur on ships will take effect March, 1 2020 may cause us
to incur substantial costs. Compliance with these regulations could have a material adverse effect our business and financial results.

In addition, vessel classification societies and the requirements set forth in the IMO's International Management Code for the Safe Operation of
Ships and for Pollution Prevention, or the ISM Code, also impose significant safety and other requirements on our vessels. In complying with
current  and  future  environmental  requirements,  vessel  owners  and  operators  may  also  incur  significant  additional  costs  in  meeting  new
maintenance  and  inspection  requirements,  in  developing  contingency  arrangements  for  potential  spills  and  in  obtaining  insurance  coverage.
Government regulation of vessels, particularly in the areas of safety and environmental requirements, can be expected to become stricter in the
future and require us to incur significant capital expenditures on our vessels to keep them in compliance, or even to scrap or sell certain vessels
altogether.

Many of these requirements are designed to reduce the risk of oil spills and other pollution, and our compliance with these requirements can be
costly. These requirements can also affect the resale value or useful lives of our vessels, require reductions in cargo capacity, ship modifications
or operational changes or restrictions, lead to decreased availability of insurance coverage for environmental matters or result in the denial of
access to certain jurisdictional waters or ports, or detention in certain ports.

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Under local, national and foreign laws, as well as international treaties and conventions, we could incur material liabilities, including cleanup
obligations,  natural  resource  damages  and  third-party  claims  for  personal  injury  or  property  damages,  in  the  event  that  there  is  a  release  of
petroleum or other hazardous substances from our vessels or otherwise in connection with our current or historic operations. We could also incur
substantial penalties, fines and other civil or criminal sanctions, including in certain instances seizure or detention of our vessels, as a result of
violations  of  or  liabilities  under  environmental  laws,  regulations  and  other  requirements.  Environmental  laws  often  impose  strict  liability  for
remediation  of  spills  and  releases  of  oil  and  hazardous  substances,  which  could  subject  us  to  liability  without  regard  to  whether  we  were
negligent or at fault. For example, OPA affects all vessel owners shipping oil to, from or within the United States.  Under OPA, owners, operators
and bareboat charterers are jointly and severally strictly liable for the discharge of oil in U.S. waters, including the 200 nautical mile exclusive
economic zone around the United States. Similarly, the CLC, which has been adopted by most countries outside of the United States, imposes
liability  for  oil  pollution  in  international  waters.  OPA  expressly  permits  individual  states  to  impose  their  own  liability  regimes  with  regard  to
hazardous  materials  and  oil  pollution  incidents  occurring  within  their  boundaries,  provided  they  accept,  at  a  minimum,  the  levels  of  liability
established  under  OPA.  Coastal  states  in  the  United  States  have  enacted  pollution  prevention  liability  and  response  laws,  many  providing  for
unlimited  liability.  Furthermore,  the  2010  explosion  of  the  drilling  rig  Deepwater  Horizon,  which  is  unrelated  to  Ship  Finance,  and  the
subsequent release of oil into the Gulf of Mexico, or other events, may result in further regulation of the shipping and offshore industries and
modifications to statutory liability schemes, which could have a material adverse effect on our business, financial condition, results of operations
and cash flows. An oil spill could also result in significant liability, including fines, penalties, criminal liability and remediation costs for natural
resource damages under other international and U.S. federal, state and local laws, as well as third-party damages, and could harm our reputation
with current or potential charterers of our vessels. We are required to satisfy insurance and financial responsibility requirements for potential oil
(including marine fuel) spills and other pollution incidents. Although we have arranged insurance to cover certain environmental risks, there can
be no assurance that such insurance will be sufficient to cover all such risks or that any claims will not have a material adverse effect on our
business, results of operations, cash flows and financial condition and available cash.

Regulations relating to ballast water discharge coming into effect during September 2019 may adversely affect our revenues and profitability.

The IMO has imposed updated guidelines for ballast water management systems specifying the maximum amount of viable organisms allowed to
be discharged from a vessel’s ballast water. Depending on the date of the IOPP renewal survey, existing vessels constructed before September 8,
2017 must comply with the updated D-2 standard on or after September 8, 2019. For most vessels, compliance with the D-2 standard will involve
installing  on-board  systems  to  treat  ballast  water  and  eliminate  unwanted  organisms.  Ships  constructed  on  or  after  September  8,  2017  are  to
comply with the D-2 standards on or after September 8, 2017. We currently have 18 vessels that do not comply with the updated guideline and
where the cost of complying rests with the owner. Such costs may be substantial and adversely affect our revenues and profitability.

Furthermore, United States regulations are currently changing.  Although the 2013 Vessel General Permit (“VGP”) program and U.S. National
Invasive Species Act (“NISA”) are currently in effect to regulate ballast discharge, exchange and installation, the Vessel Incidental Discharge Act
(“VIDA”),  which  was  signed  into  law  on  December  4,  2018,  requires  that  the  U.S.  Coast  Guard  develop  implementation,  compliance,  and
enforcement regulations regarding ballast water within two years.  The new regulations could require the installation of new equipment, which
may cause us to incur substantial costs. 

We  currently  have  11  vessels  that  are  on  fixed  price  management  agreements  with  Frontline  Management  (Bermuda)  Ltd.,  or  Frontline
Management, and Golden Ocean Group Management (Bermuda) Ltd, or Golden Ocean Management, which include the cost of complying with
regulations.  We  have  an  additional  38  vessels  and three  drilling  rigs  employed  under  bareboat  charters  where  the  cost  of  fitting  ballast  water
treatment  systems  would  lie  with  the  charterer,  if  such  vessel  is  still  employed  under  the  relevant  bareboat  charter  at  the  time  the  regulations
become applicable. We also have 34 vessels employed in the spot market or under time charter agreements. These have either already been fitted
with  ballast  water  treatment  systems  or  will  have  them  fitted  within  the  required  deadlines.  The  costs  of  compliance  may  be  substantial  and
adversely affect our revenues and profitability.

Acts of piracy on ocean-going vessels could adversely affect our business.

Acts of piracy have historically affected ocean-going vessels. At present, most piracy and armed robbery incidents are recurrent in the Gulf of
Aden  region  off  the  coast  of  Somalia,  Gulf  of  Guinea  region  off  Nigeria,  South  China  Sea,  Sulu  Sea  and  Celebes  Sea.  Sporadic  incidents  of
robbery are also reported in many parts of Asia. The political turmoil in the Middle East region may also lead to collateral damages in waters off
Yemen.  The  current  diplomatic  crisis  between  Gulf  Co-operation  Council  (GCC)  countries  may  lead  to  an  uncertain  security  situation  in  the
Middle East region.

The security arrangements made for ship staff and vessels to counteract the ever-evolving security threat and to comply with Best Management
Practices (BMP) add to the cost of operations of our ships.

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The "war risks" areas are established by the Joint War Risks Committee. Our vessels have to trade in such areas due to the nature of our business.
Due to the above issues when vessels trade in such areas, the insurance premiums are increased significantly to cover for the additional risks.

The above factors could have a material adverse effect on our future performance, results of operations, cash flows and financial position.

Our  vessels  may  call  on  ports  located  in  countries  that  are  subject  to  restrictions  imposed  by  the  U.S.  or  other  governments,  which  could
adversely affect our reputation and the market for our common shares.

We  do  not  directly  engage  in  any  shipping  or  drilling  contracts  or  have  plans  to  directly  initiate  any  shipping  or  drilling  contracts  involving
operations  in  countries  or  with  government-controlled  entities  in  violation  of  any  sanctions  and  embargoes  imposed  by  the  U.S.  government
and/or identified by the U.S. government as state sponsors of terrorism. Our contracts with our charterers may prohibit them from causing our
vessels to call in sanctioned ports or carrying cargo for entities that are subject to sanctions. However, our customers who are bareboat charterers
control the operation of our vessels, and may cause our vessels to trade in violation of sanctions provisions without our consent. Accordingly, our
charterers  may  currently  or  in  the  future  enter  into  shipping  and  drilling  contracts  with  countries  or  government-controlled  entities  that  are
subject to sanctions and embargoes imposed by the U.S. government and/or identified by the U.S. government as state sponsors of terrorism, or
they may enter into shipping and drilling contracts involving operations in countries or with government-controlled entities that are subject to
sanctions and embargoes imposed by the U.S government and/or identified by the U.S. government as state sponsors of terrorism.

Although we believe that we have been in compliance with all applicable sanctions and embargo laws and regulations, and intend to maintain
such compliance, there can be no assurance that we or our charterers will be in compliance in the future.

Any such violation could result in fines, penalties or other sanctions that could negatively impact our ability to access U.S. capital markets and
conduct our business, and could result in some investors deciding, or being required, to divest their interest, or not to invest, in us. In addition,
certain  institutional  investors  may  have  investment  policies  or  restrictions  that  prevent  them  from  holding  securities  of  companies  that  have
contracts with countries identified by the U.S. government as state sponsors of terrorism. The determination by these investors not to invest in, or
to divest from, our shares may adversely affect the price at which our shares trade. Moreover, our charterers may violate applicable sanctions and
embargo laws and regulations as a result of actions that do not involve us or our vessels, and those violations could in turn negatively affect our
reputation.

In the highly competitive international seaborne transportation industry, we may not be able to compete for charters with new entrants or
established companies with greater resources, and as a result we may be unable to employ our vessels profitably.

We  employ  our  vessels  in  a  highly  competitive  market  that  is  capital  intensive  and  highly  fragmented,  and  competition  arises  primarily  from
other vessel owners. Competition for seaborne transportation of goods and products is intense and depends on charter rates and the location, size,
age,  condition  and  acceptability  of  the  vessel  and  its  operators  to  charterers.    Due  in  part  to  the  highly  fragmented  market,  competitors  with
greater resources could operate larger fleets than we may operate and thus be able to offer lower charter rates and higher quality vessels than we
are  able  to  offer.    If  this  were  to  occur,  we  may  be  unable  to  retain  or  attract  new  charterers  on  attractive  terms  or  at  all,  which  may  have  a
material  adverse  effect  on  our  business,  financial  condition  and  results  of  operations.  Although  we  believe  that  no  single  competitor  has  a
dominant position in the markets in which we compete, we are aware that certain competitors may be able to devote greater financial and other
resources to certain activities than we can, resulting in a significant competitive threat to us. We cannot give assurances that we will continue to
compete successfully with our competitors or that these factors will not erode our competitive position in the future.

Increased  inspection  procedures,  tighter  import  and  export  controls  and  new  security  regulations  could  increase  costs  and  disrupt  our
business.

International shipping is subject to various security and customs inspection and related procedures in countries of origin, destination and trans-
shipment points. Inspection procedures can result in the seizure of the contents of our vessels, delays in loading, offloading or delivery, and the
levying of customs duties, fines or other penalties against us.

It  is  possible  that  changes  to  inspection  procedures  could  impose  additional  financial  and  legal  obligations  on  us.    Changes  to  inspection
procedures could also impose additional costs and obligations on our customers and may, in certain cases, render the shipment of certain types of
cargo uneconomical or impractical.  Any such changes or developments may have a material adverse effect on our business, financial condition
and results of operations.

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The offshore drilling sector and also demand for offshore support vessels depend primarily on the level of activity in the offshore oil and gas
industry, which is significantly affected by, among other things, volatile oil and gas prices, and may be materially and adversely affected by a
decline in the offshore oil and gas industry.

The offshore contract drilling industry and also demand for offshore support vessels is cyclical and volatile, and depends on the level of activity
in oil and gas exploration and development and production in offshore areas worldwide. The availability of quality drilling prospects, exploration
success,  relative  production  costs,  the  stage  of  reservoir  development  and  political  and  regulatory  environments  affect  our  customers'  drilling
campaigns.  Oil  and  gas  prices,  and  market  expectations  of  potential  changes  in  these  prices,  also  significantly  affect  the  level  of  activity  and
demand for drilling units.

Oil and gas prices are extremely volatile and are affected by numerous factors beyond our control, including the following:

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worldwide production and demand for oil and gas;
the cost of exploring for, developing, producing and delivering oil and gas;
expectations regarding future energy prices;
advances in exploration, development and production technology;
the ability of the Organization of Petroleum Exporting Countries, or OPEC, to set and maintain production levels and pricing;
the level of production in non-OPEC countries;
international sanctions on oil-producing countries or the lifting of such sanctions;
government regulations, including restrictions on offshore transportation of oil and gas;
local and international political, economic and weather conditions;
domestic and foreign tax policies;
the development and implementation of policies to increase the use of renewable energy;
increased  supply  of  oil  and  gas  from  onshore  hydraulic  fracturing  and  shale  development,  and  the  relative  costs  of  offshore  and  onshore
production of oil and gas;
worldwide economic and financial problems and any resulting decline in demand for oil and gas and, consequently, our services;
the policies of various governments regarding exploration and development of their oil and gas reserves;
accidents, severe weather, natural disasters and other similar incidents relating to the oil and gas industry; and
the worldwide military and political environment, including uncertainty or instability resulting from an escalation or additional outbreak of
armed hostilities, insurrection, or other crises in the Middle East, eastern Europe or other geographic areas, or further acts of terrorism in the
United States, Europe or elsewhere.

Lower oil and gas prices have negatively affected, and could continue to negatively affect, the offshore drilling sector and have resulted, and
could continue to result, in reduced exploration and drilling. These reductions in commodity prices have reduced the demand for drilling units.
Continued weakness in oil and gas prices may result in an excess supply of drilling units and intensify competition in the industry, which may
result in drilling units, particularly older and lower specification drilling units, being idle for long periods of time.  We cannot predict the future
level of demand for drilling units or future conditions of the oil and gas industry.

In addition to oil and gas prices, the offshore drilling industry is influenced by additional factors, including:

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the availability of competing offshore drilling units;
the availability of debt financing on reasonable terms;
the level of costs for associated offshore oilfield and construction services;
oil and gas transportation costs;
the level of rig operating costs, including crew and maintenance;
the discovery of new oil and gas reserves;
the cost of non-conventional hydrocarbons, such as the exploitation of oil sands; and
regulatory restrictions on offshore drilling.

Any of these factors could reduce demand for our offshore drilling assets and adversely affect our business and results of operations.

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An  over-supply  of  drilling  units  has  led  to  a  reduction  in  day-rates  and  therefore  has  adversely  affected  the  ability  of  certain  of  our  rig
charterers to make lease payments to us.

We have leased two of our drilling units to two subsidiaries of Seadrill, namely Seadrill Deepwater Charterer Ltd., or Seadrill Deepwater, and
Seadrill  Offshore  AS,  or  Seadrill  Offshore.  In  addition,  we  have  chartered  one  drilling  unit  to  North  Atlantic  Linus  Charterer  Ltd.,  or  North
Atlantic Linus, which is a subsidiary of North Atlantic Drilling Limited, or NADL. The performance under the above leases is guaranteed by
Seadrill,  and  Seadrill  Deepwater,  Seadrill  Offshore  and  North  Atlantic  Linus  are  collectively  referred  to  as  the  Seadrill  Charterers.  Lower  oil
prices have resulted in reduced demand for drilling units, which has adversely affected the Seadrill Charterers' ability to secure drilling contracts
and, therefore, their ability to make lease payments to us and resulted in the Bankruptcy of their parent company Seadrill.

In  July,  2018,  Seadrill  emerged  from  Chapter  11  successfully  completing  its  reorganization  pursuant  its  plan  of  reorganization,  or  the  Plan  of
Reorganization.  The Company and our three subsidiaries owning the relevant drilling units were a part of the Plan of Reorganization and we
have agreed to reduce the contractual charter hire for the three rigs by approximately 29% for a period of five years starting in 2018, with the
reduced  amounts  added  back  in  the  period  thereafter.  The  term  of  the  leases  for  West Hercules  and  West Taurus  will  also  be  extended  by  13
months until December 2024, and the call options on behalf of the Seadrill Charterers under the relevant leases have also been amended as part
of the Plan of Reorganization.

There are no assurances that the Seadrill Charterers will be able to meet their obligations under the Plan of Reorganization following bankruptcy
and  if  they  fail  to  do  so,  we  could  sustain  significant  losses  which  could  have  a  material  adverse  effect  on  our  business,  financial  condition,
results of operations and cash flows, if any, in the future, and compliance with covenants in our credit facilities.

One of the rigs leased to the Seadrill Charterers, the West Taurus, is currently idle, as the Seadrill Charterers have not been able to secure new
drilling contracts in the current market. In the event that the Seadrill Charterers default on their obligations under the leases and the drilling units
are redelivered to us, there is a significant risk that we would not be able to secure new employment for the rigs in the current market, which may
have a material adverse effect on our business and our ability to pay dividends.

Governmental laws and regulations, including environmental laws and regulations, may add to the costs of the Seadrill Charterers or other
charterers of our drilling units, or limit their drilling activity, and may adversely affect their ability to make lease payments to us.

The  Seadrill  Charterers'  business  in  the  offshore  drilling  industry  is  affected  by  public  policy  and  laws  and  regulations  relating  to  the  energy
industry and the environment in the geographic areas where they operate.

The offshore drilling industry is dependent on demand for services from the oil and gas exploration and production industry, and, accordingly, the
Seadrill Charterers are directly affected by the adoption of laws and regulations that, for economic, environmental or other policy reasons, curtail
exploration and development drilling for oil and gas. The Seadrill Charterers may be required to make significant capital expenditures to comply
with  governmental  laws  and  regulations.  It  is  also  possible  that  these  laws  and  regulations  may  in  the  future  add  significantly  to  the  Seadrill
Charterers'  operating  costs  or  significantly  limit  drilling  activity.  Governments  in  some  countries  are  increasingly  active  in  regulating  and
controlling the ownership of concessions, the exploration for oil and gas, and other aspects of the oil and gas industries. In recent years, increased
concern has been raised over protection of the environment. Offshore drilling in certain areas has been opposed by environmental groups and has
in  certain  cases  been  restricted.  Further  operations  in  less  developed  countries  can  be  subject  to  legal  systems  that  are  not  as  mature  or
predictable as those in more developed countries, which can lead to greater uncertainty in legal matters and proceedings.

In  certain  jurisdictions  there  are  or  may  be  imposed  restrictions  or  limitations  on  the  operation  of  foreign  flag  vessels  and  rigs,  and  these
restrictions may prevent us or our charterers from operating our assets as intended. We cannot guarantee that we or our charterers will be able to
accommodate such restrictions or limitations, nor that we or our charterers can relocate the assets to other jurisdictions where such restrictions or
limitations do not apply. A violation of such restrictions, or expropriation in particular, could result in the total loss of our investments and/or
financial loss for our charterers, and we cannot guarantee that we have sufficient insurance coverage to compensate for such loss. This may have
a material adverse effect on our business and financial results.

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To the extent that new laws are enacted or other governmental actions are taken that prohibit or restrict offshore drilling or impose additional
environmental  protection  requirements  that  result  in  increased  costs  to  the  oil  and  gas  industry  in  general  or  the  offshore  drilling  industry  in
particular, the Seadrill Charterers' business or prospects could be materially adversely affected. The operation of our drilling units will require
certain  governmental  approvals,  the  number  and  prerequisites  of  which  cannot  be  determined  until  the  Seadrill  Charterers  identify  the
jurisdictions  in  which  they  will  operate  upon  securing  contracts  for  the  drilling  units.  Depending  on  the  jurisdiction,  these  governmental
approvals may involve public hearings and costly undertakings on the part of the Seadrill Charterers. The Seadrill Charterers may not obtain such
approvals, or such approvals may not be obtained in a timely manner. If the Seadrill Charterers fail to secure the necessary approvals or permits
in  a  timely  manner,  their  customers  may  have  the  right  to  terminate  or  seek  to  renegotiate  their  drilling  services  contracts  to  the  Seadrill
Charterers' detriment. The amendment or modification of existing laws and regulations, or the adoption of new laws and regulations curtailing or
further  regulating  exploratory  or  development  drilling  and  production  of  oil  and  gas,  could  have  a  material  adverse  effect  on  the  Seadrill
Charterers' business, operating results or financial condition. Future earnings of the Seadrill Charterers may be negatively affected by compliance
with  any  such  new  legislation  or  regulations.  In  addition,  the  Seadrill  Charterers  may  become  subject  to  additional  laws  and  regulations  as  a
result of future rig operations or repositioning. These factors may adversely affect the ability of the Seadrill Charterers to make lease payments to
us.

We rely on our information systems to conduct our business, and failure to protect these systems against security breaches could adversely
affect our business and results of operations. Additionally, if these systems fail or become unavailable for any significant period of time, our
business could be harmed.

The  efficient  operation  of  our  business,  including  processing,  transmitting  and  storing  electronic  and  financial  information,  is  dependent  on
computer hardware and software systems.  Information systems are vulnerable to security breaches by computer hackers and cyber terrorists.  We
rely  on  industry  accepted  security  measures  and  technology  to  securely  maintain  confidential  and  proprietary  information  maintained  on  our
information systems.  However, these measures and technology may not adequately prevent security breaches.  In addition, the unavailability of
the information systems or the failure of these systems to perform as anticipated for any reason could disrupt our business and could result in
decreased performance and increased operating costs, causing our business and results of operations to suffer.  Any significant interruption or
failure of our information systems or any significant breach of security could adversely affect our business and results of operations.

New technologies may cause our current drilling methods to become obsolete, resulting in an adverse effect on our business.

The  offshore  contract  drilling  industry  is  subject  to  the  introduction  of  new  drilling  techniques  and  services  using  new  technologies,  some  of
which  may  be  subject  to  patent  protection.  As  competitors  and  others  use  or  develop  new  technologies,  we  may  be  placed  at  a  competitive
disadvantage  and  competitive  pressures  may  force  us  to  implement  new  technologies  at  substantial  cost.  In  addition,  competitors  may  have
greater financial, technical and personnel resources that allow them to benefit from technological advantages and implement new technologies
before we can. We may not be able to implement technologies on a timely basis or at a cost that is acceptable to us.

Prolonged or significant downturns in the tanker, dry bulk carrier, container, offshore drilling and offshore support vessel charter markets
may have an adverse effect on our earnings.

Although most of our vessels are employed on medium or long term charters, prolonged or significant downturns in the markets in which we
operate could have a significant and adverse effect in finding new customers in the short and long term market and on our existing customers'
ability to continue to fulfill their obligations to us. It also affects the resale value of vessels.

The tanker market has experienced volatility over the last three year, due in part to an oversupply of vessels and the cut in OPEC production
agreed in early 2017. This was countered in part in the second half of 2018 by increased scrapping. According to industry sources, spot earnings
for Very Large Crude Carriers, or VLCCs, declined from an average of $54,000 per day in December 2016 to an average of $10,377 per day in
December 2017, but increased to an average of $40,938 per day in December 2018. However, by January 2019, this had fallen to an average of
$28,067 per day. While the rates increased in 2018, there can be no assurance that the tanker market has recovered, and the market could decline,
as it has declined in recent months.

We currently have three vessels on charter to Frontline Shipping Limited (“Frontline Shipping”), an unguaranteed subsidiary of Frontline Ltd.
(“Frontline”). With the downturn in the tanker market, there is a significant risk that Frontline Shipping may not have sufficient funds to fulfill
their obligations under the charters.

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During  the  period  from  2008  to  2016,  the  abrupt  and  dramatic  downturn  in  the  dry  bulk  charter  market,  from  which  we  derive  some  of  our
revenues,  has  severely  affected  the  dry  bulk  shipping  industry.  The  Baltic  Dry  Index,  or  BDI,  an  index  published  by  The  Baltic  Exchange  of
shipping rates for 20 key dry bulk routes, has fallen 97% from a peak of 11,793 in May 2008 to a low of 290 in February 2016. The market has
been negatively affected by the recent dam collapse at Vale’s mine in Brazil, potentially idling production capacity of 40 million metric tonnes
per annum, over the next three years. There can be no assurance that the dry bulk charter market will recover.

The  container  market  saw  improvements  in  2018.  Charter  rates  generally  improved  through  most  of  the  year,  with  some  variation  across  the
vessel sizes due in part to a reduction in excess capacity. In some segments, however, we have seen a decline in charter rates the last few months.
Significant  overcapacity  continues  to  affect  the  balance  of  supply  and  demand,  and  there  can  be  no  assurance  that  the  container  market  will
continue to recover and the market will not decline.

From 2011 to 2013, the oil price (Brent crude spot) averaged around $110 per barrel, however, over the course of 2014 the oil price fell to below
$50 per barrel in December 2014 and the fall continued to under $30 per barrel in January 2016, although this recovered to an average of $43 per
barrel in 2016 and increased to an average of $54 per barrel in 2017 and reached $71 per barrel in 2018. As a consequence of this fall in oil
prices after 2013, oil and gas companies significantly reduced their exploration and development activities, resulting in many drilling companies
laying up rigs and experiencing financial difficulties, including our customer Seadrill, who successfully emerged from Chapter 11 in July 2018.

According to industry sources, the Offshore Support Vessel ("OSV") market remains one of the most severely affected by the offshore downturn.
During 2018 the OSV market remained depressed with several owners leaving this market during the year.

We have five offshore supply vessels on long term charters to Deep Sea Supply Shipowning II AS (the “Solstad Charterer”), which was a wholly
owned subsidiary of Deep Sea Supply Plc. (“Deep Sea”). Due to the downturn in the offshore support vessel market, the terms of the charters
have  been  renegotiated  three  times  over  the  last  years,  most  recently  in  July  2018.  In  light  of  the  depressed  market,  Solstad  Offshore  ASA
(“Solstad  Offshore”),  the  parent  company  to  the  Solstad  Charterer  along  with  the  Company  and  other  financial  creditors  entered  into  a
restructuring agreement in July 2018, under which we will receive 50% of the agreed charter hire for the vessels Sea Cheetah and Sea Jaguar
until  the  end  of  2019.  All  other  payments  under  the  respective  charters  will  be  deferred  until  the  end  of  2019. We  have  been  approached  by
Solstad with a request to participate in discussions on a further potential restructuring of their company. We are dependent on Solstad Offshore
complying  with  its  restructured  credit  agreements  and  if  they  fail  to  do  so,  we  could  sustain  significant  losses  which  could  have  a  material
adverse effect on our business, financial condition, results of operations and cash flows, if any, in the future, and compliance with covenants in
our credit facilities.

Downturns in these markets and resulting volatility has had a number of adverse consequences, including, among other things:

•
•
•
•
•

an absence of financing for vessels or rigs;
no active second-hand market for the sale of vessels or rigs;
extremely low charter rates, particularly for vessels employed in the spot market;
widespread loan covenant defaults in the shipping and offshore industries; and
declaration of bankruptcy by some operators, rig and ship owners as well as charterers.

The  occurrence  of  one  or  more  of  these  events  could  adversely  affect  our  business,  results  of  operations,  cash  flows,  financial  condition  and
ability to pay cash distributions.

In addition, because the market value of the Company’s vessels may fluctuate significantly, we may incur losses when we sell vessels, which
may adversely affect earnings. If we sell vessels at a time when vessel prices have fallen and before we have recorded an impairment adjustment
to  our  financial  statements,  the  sale  may  be  at  less  than  the  vessel’s  carrying  amount  in  those  financial  statements,  resulting  in  a  loss  and  a
reduction in earnings.

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World events could adversely affect our results of operations and financial condition.

Continuing conflicts and recent developments in the Middle East and North Africa, and the presence of United States and other armed forces in
Afghanistan,  Syria  or  Iraq,  may  lead  to  additional  acts  of  terrorism  and  armed  conflict  around  the  world,  which  may  contribute  to  further
economic  instability  in  the  global  financial  markets.  These  uncertainties  could  also  adversely  affect  our  ability  to  obtain  financing  on  terms
acceptable to us or at all. In the past, political conflicts have also resulted in attacks on vessels, mining of waterways and other efforts to disrupt
international shipping, particularly in the Arabian Gulf region. Acts of terrorism and piracy have also affected vessels trading in regions such as
the South China Sea and the Gulf of Aden off the coast of Somalia.  Any of these occurrences, or the perception that our vessels are potential
terrorist targets, could have a material adverse impact on our business, financial condition, results of operations and ability to pay dividends.

Our business has inherent operational risks, which may not be adequately covered by insurance.

Our  vessels  and  their  cargoes  are  at  risk  of  being  damaged  or  lost,  due  to  events  such  as  marine  disasters,  bad  weather,  mechanical  failures,
human  error,  environmental  accidents,  war,  terrorism,  piracy,  political  circumstances  and  hostilities  in  foreign  countries,  labor  strikes  and
boycotts, changes in tax rates or policies, and governmental expropriation of our vessels.  Any of these events may result in loss of revenues,
increased costs and decreased cash flows to our customers, which could impair their ability to make payments to us under our charters.

In the event of a vessel casualty or other catastrophic event, we will rely on our insurance to pay the insured value of the vessel or the damages
incurred.  Through  the  agreements  with  our  vessel  managers,  we  procure  insurance  for  most  of  the  vessels  in  our  fleet  employed  under  time
charters against those risks that we believe the shipping industry commonly insures against. These insurances include marine hull and machinery
insurance, protection and indemnity insurance, which include pollution risks and crew insurances, and war risk insurance. Currently, the amount
of coverage for liability for pollution, spillage and leakage available to us on commercially reasonable terms through protection and indemnity
associations and providers of excess coverage is $1 billion per vessel per occurrence.

We cannot assure you that we will be adequately insured against all risks. Our vessel managers may not be able to obtain adequate insurance
coverage at reasonable rates for our vessels in the future. For example, in the past more stringent environmental regulations have led to increased
costs for, and in the future may result in the lack of availability of, insurance against risks of environmental damage or pollution. Additionally,
our insurers may refuse to pay particular claims. For example, the circumstances of a spill, including non-compliance with environmental laws,
could result in denial of coverage, protracted litigation, and delayed or diminished insurance recoveries or settlements. Any significant loss or
liability for which we are not insured could have a material adverse effect on our financial condition. Under the terms of our bareboat charters,
the charterer is responsible for procuring all insurances for the vessel.

We procure insurance for our fleet against risks commonly insured against by vessel owners and operators. Even if our insurance coverage is
adequate to cover our losses, we may not be able to timely obtain a replacement vessel in the event of a loss. Furthermore, in the future, we may
not be able to obtain adequate insurance coverage at reasonable rates for our fleet. We may also be subject to calls, or premiums, in amounts
based not only on our own claim records but also the claim records of all other members of the protection and indemnity associations through
which  we  receive  indemnity  insurance  coverage  for  tort  liability.  Our  insurance  policies  also  contain  deductibles,  limitations  and  exclusions
which, although we believe are standard in the shipping industry, may nevertheless increase our costs. If our insurance is not enough to cover
claims that may arise, the deficiency may have a material adverse effect on our financial condition and results of operations. We may also be
subject  to  calls,  or  premiums,  in  amounts  based  not  only  on  our  own  claim  records  but  also  the  claim  records  of  all  other  members  of  the
protection  and  indemnity  associations  through  which  we  receive  indemnity  insurance  coverage  for  tort  liability,  including  pollution-related
liability. Our payment of these calls could result in significant expenses to us.

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Maritime claimants could arrest or attach one or more of our vessels, which could interrupt our customers' or our cash flows.

Crew members, suppliers of goods and services to a vessel, shippers of cargo and other parties may be entitled to a maritime lien against one or
more of our vessels for unsatisfied debts, claims or damages. In many jurisdictions, a maritime lien holder may enforce its lien by arresting a
vessel  through  foreclosure  proceedings.  The  arrest  or  attachment  of  one  or  more  of  our  vessels  could  interrupt  the  cash  flow  of  the  charterer
and/or the Company and require us to pay a significant amount of money to have the arrest lifted, which would have an adverse effect on our
financial condition and results of operations.

In addition, in some jurisdictions, such as South Africa, under the "sister ship" theory of liability, a claimant may arrest both the vessel which is
subject to the claimant's maritime lien and any "associated" vessel, which is any vessel owned or controlled by the same owner. Claimants could
try to assert "sister ship" liability against vessels in our fleet managed by our vessel managers for claims relating to another vessel managed by
that manager.

Governments  could  requisition  our  vessels  during  a  period  of  war  or  emergency  without  adequate  compensation,  resulting  in  a  loss  of
earnings.

A government could requisition one or more of our vessels for title or for hire. Requisition for title occurs when a government takes control of a
vessel  and  becomes  her  owner,  while  requisition  for  hire  occurs  when  a  government  takes  control  of  a  vessel  and  effectively  becomes  her
charterer  at  dictated  charter  rates.  Generally,  requisitions  occur  during  periods  of  war  or  emergency,  although  governments  may  elect  to
requisition vessels in other circumstances. Although we would be entitled to compensation in the event of a requisition of one or more of our
vessels, the amount and timing of payment could be materially less than the charterhire that would have been payable otherwise. In addition, we
would bear all risk of loss or damage to a vessel under requisition for hire. Government requisition of one or more of our vessels may negatively
impact our revenues and reduce the amount of dividends paid, if any, to our shareholders.

The aging of our fleet may result in increased operating costs or loss of hire in the future, which could adversely affect our earnings.

In general, the costs to maintain a vessel in good operating condition increase as the vessel ages. Due to improvements in engine technology,
older  vessels  are  typically  less  fuel-efficient  than  more  recently  constructed  vessels.  Cargo  insurance  rates  increase  with  the  age  of  a  vessel,
making older vessels less desirable to charterers.

Governmental  regulations,  safety,  environmental  or  other  equipment  standards  related  to  the  age  of  tankers  and  other  types  of  vessels  may
require expenditures for alterations or the addition of new equipment to our vessels to comply with safety or environmental laws or regulations
that may be enacted in the future. These laws or regulations may also restrict the type of activities in which our vessels may engage or prohibit
their operation in certain geographic regions. We cannot predict what alterations or modifications our vessels may be required to undergo as a
result of requirements that may be promulgated in the future, or that as our vessels age market conditions will justify any required expenditures
or enable us to operate our vessels profitably during the remainder of their useful lives.

There are risks associated with the purchase and operation of second-hand vessels.

Our current business strategy includes additional growth through the acquisition of both newbuildings and second-hand vessels.  Although we
generally inspect second-hand vessels prior to purchase, this does not normally provide us with the same knowledge about the vessels' condition
that  we  would  have  had  if  such  vessels  had  been  built  for  and  operated  exclusively  by  us.  Therefore,  our  future  operating  results  could  be
negatively affected if the vessels do not perform as we expect. Also, we do not receive the benefit of warranties from the builders if the vessels
we buy are older than one year.

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Risks Relating to Our Company

Changes in our dividend policy could adversely affect holders of our common shares.

Any  dividend  that  we  declare  is  at  the  discretion  of  our  Board  of  Directors.  We  cannot  assure  you  that  our  dividend  will  not  be  reduced  or
eliminated  in  the  future.  Our  profitability  and  corresponding  ability  to  pay  dividends  is  substantially  affected  by  amounts  we  receive  through
charter  hire  and  profit  sharing  payments  from  our  charterers.  Our  entitlement  to  profit  sharing  payments,  if  any,  is  based  on  the  financial
performance of our vessels which is outside of our control. If our charter hire and profit sharing payments decrease substantially, we may not be
able to continue to pay dividends at present levels, or at all. We are also subject to contractual limitations on our ability to pay dividends pursuant
to  certain  debt  agreements,  and  we  may  agree  to  additional  limitations  in  the  future.  Additional  factors  that  could  affect  our  ability  to  pay
dividends include statutory and contractual limitations on the ability of our subsidiaries to pay dividends to us, including under current or future
debt arrangements.

We  depend  on  our  charterers,  including  companies  which  are  affiliated  with  us,  for  our  operating  cash  flows  and  for  our  ability  to  pay
dividends to our shareholders and repay our outstanding borrowings.

Three of the tanker vessels in our fleet are chartered to a subsidiary of Frontline, namely Frontline Shipping. In addition, we have chartered three
of our drilling units to the Seadrill Charterers and eight dry bulk carriers to Golden Ocean Trading Limited, or the Golden Ocean Charterer, all of
which are related parties. In addition, we have 29 container vessels on long-term bareboat charters to MSC and 10 container vessels on long-term
time charters to Maersk, and multiple other assets chartered to a number of counterparties. Our other vessels that have charters attached to them
are chartered to other customers under short, medium or long term time and bareboat charters.

The charter-hire payments that we receive from our customers constitute substantially all of our operating cash flows.

The performance under the leases with the Seadrill Charterers is currently guaranteed by Seadrill. The performance under the charters with the
Golden  Ocean  Charterer  is  guaranteed  by  Golden  Ocean  Group  Limited,  or  Golden  Ocean.  If  Frontline  Shipping,  the  Seadrill  Charterers,  the
Golden Ocean Charterer or any of our other charterers are unable to make charter hire payments to us, our results of operations and financial
condition  will  be  materially  adversely  affected  and  we  may  not  have  cash  available  to  pay  dividends  to  our  shareholders  and  to  repay  our
outstanding  borrowings.  A  significant  portion  of  our  net  income  and  operating  cash  flows  are  generated  from  our  leases  with  the  Seadrill
Charterers, and a termination of these leases may have a material adverse effect on our earnings and profitability, and our ability to pay dividends
to our shareholders.

We have three remaining VLCCs on long term charters to Frontline Shipping and in which performance under the charters is not guaranteed by
Frontline. With the current depressed tanker market, there is a significant risk that Frontline Shipping may not have sufficient funds to fulfil their
obligations  under  the  charters,  which  may  have  an  adverse  effect  on  our  earnings  and  profitability,  and  our  ability  to  pay  dividends  to  our
shareholders.

We have five offshore supply vessels on long term charters to the Solstad Charterer, which is a wholly owned subsidiary of Solship Invest 3 AS
(“Solship”) who also acts as charter guarantor under the charters. Solship is a wholly owned subsidiary of Solstad Offshore ASA (“Solstad”), but
there are no parent company guarantees for the obligations of Solship. Many of the vessels in Solship are in lay-up, including the five vessels on
charter from us. With the severe downturn in the market for offshore support vessels, the financial situation in Solship has deteriorated, and we
agreed to a restructuring agreement in July 2018, under which we will receive 50% of the agreed charter hire for the vessels Sea Cheetah and Sea
Jaguar until the end of 2019. All other payments under the respective charters will be deferred until the end of 2019. We have been approached
by Solstad with a request to participate in discussions on a further potential restructuring of their company. The outcome of these discussions is
pending at the current time, but there is a significant risk that the Solstad Charterer will not have sufficient funds to fulfill its current obligations
under the charters, and the charters may be renegotiated at lower levels, or terminated. If the vessels are redelivered to us, we may not be able to
secure new employment in the current market. A termination or renegotiation of the charters may also result in a breach of covenants under the
credit facility for the financing of the vessels, which, unless waived or modified by our lenders, may give our lenders the right to, among other
things, call on the guarantees provided, increase our interest payments and/or accelerate our indebtedness and foreclose their liens on the assets
securing the credit facility.

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The  amount  of  profit  sharing  payment  we  receive  under  our  charters  with  Frontline  Shipping,  the  Golden  Ocean  Charterer,  the  Solstad
Charterer and other charterers, if any, may depend on prevailing spot market rates, which are volatile.

Some of our tanker vessels operate under time charters to Frontline Shipping. These charter contracts provide for base charterhire and additional
profit  sharing  payments  when  Frontline  Shipping's  earnings  from  deploying  our  vessels  exceed  certain  levels.  The  majority  of  our  vessels
chartered to Frontline Shipping are sub-chartered by them in the spot market, which is subject to greater volatility than the long-term time charter
market, and the amount of future profit sharing payments that we receive, if any, will be primarily dependent on the strength of the spot market.

We have eight Capesize dry bulk carriers employed under time charters to the Golden Ocean Charterer. These charter contracts provide for base
charterhire and additional profit sharing payments when the Golden Ocean Charterer's earnings from deploying our vessels exceed certain levels.
The majority of our vessels chartered to the Golden Ocean Charterer are sub-chartered by them in the spot market, which is subject to greater
volatility  than  the  long-term  time  charter  market,  and  the  amount  of  future  profit  sharing  payments  we  receive,  if  any,  will  be  primarily
dependent on the strength of the spot market.

We have five offshore support vessels chartered to the Solstad Charter. These charter contracts provide for base charterhire and additional profit
sharing payments when the Solstad Charterer's earnings from deploying our vessels exceed certain levels. Our vessels chartered to the Solstad
Charterer are currently in lay-up and there are thus not currently any prospects for profit sharing payments under these agreements. The amount
of future profit sharing payments we receive, if any, will be primarily dependent on the strength of the spot market.

We may also enter into agreements which include profit sharing provisions with other charterers.

We cannot assure you that we will receive any profit sharing payments for any periods in the future, which may have an adverse effect on our
results and financial condition and our ability to pay dividends in the future.

The charter-free market values of our vessels and drilling units may decrease, which could limit the amount of funds that we can borrow or
trigger certain financial covenants under our current or future credit facilities and we may incur a loss if we sell vessels or drilling units
following a decline in their charter-free market value. This could affect future dividend payments.

We are generally prohibited from selling our vessels or drilling units during periods which they are subject to charters without the charterer's
consent,  and  may  therefore  be  unable  to  take  advantage  of  increases  in  vessel  or  drilling  unit  values  during  such  times.  Conversely,  if  the
charterers were to default under the charters due to adverse market conditions, causing a termination of the charters, it is likely that the charter-
free market value of our vessels and drilling units would also be depressed. The charter-free market values of our vessels and drilling units have
experienced high volatility in recent years.

The charter-free market value of our vessels and drilling units may increase and decrease depending on a number of factors including, but not
limited to, the prevailing level of charter rates and day rates, general economic and market conditions affecting the international shipping and
offshore drilling industries, types, sizes and ages of vessels and drilling units, supply and demand for vessels and drilling units, availability of or
developments  in  other  modes  of  transportation,  competition  from  other  shipping  companies,  cost  of  newbuildings,  governmental  or  other
regulations and technological advances.

In addition, as vessels and drilling units grow older, they generally decline in value. If the charter-free market values of our vessels and drilling
units decline, we may not be in compliance with certain provisions of our credit facilities and we may not be able to refinance our debt, obtain
additional financing or make distributions to our shareholders. Additionally, if we sell one or more of our vessels or drilling units at a time when
vessel and drilling unit prices have fallen and before we have recorded an impairment adjustment to our consolidated financial statements, the
sale  price  may  be  less  than  the  vessel's  or  drilling  unit's  carrying  value  on  our  consolidated  financial  statements,  resulting  in  a  loss  and  a
reduction in earnings. Furthermore, if vessel and drilling unit values fall significantly, we may have to record an impairment adjustment in our
financial statements, which could adversely affect our financial results and condition.

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Volatility in the international shipping and offshore markets may cause our counterparties on contracts to fail to meet their obligations which
could cause us to suffer losses or otherwise adversely affect our business.

From time to time, we enter into, among other things, charter parties with our customers, newbuilding contracts with shipyards, credit facilities
with banks, guarantees, interest rate swap agreements, and currency swap agreements, total return bond swaps, and total return equity swaps.
Such agreements subject us to counterparty risks. The ability and willingness of each of our counterparties to perform their obligations under a
contract  with  us  will  depend  on  a  number  of  factors  that  are  beyond  our  control.   As  a  result,  our  revenues  and  results  of  operations  may  be
adversely affected. These factors include:

•
•

•
•
•
•
•
•
•
•
•

global and regional economic and political conditions;
supply and demand for oil and refined petroleum products, which is affected by, among other things, competition from alternative sources of
energy;
supply and demand for energy resources, commodities, semi-finished and finished consumer and industrial products;
developments in international trade;
changes in seaborne and other transportation patterns, including changes in the distances that cargoes are transported;
environmental concerns and regulations;
weather;
the number of newbuilding deliveries;
the improved fuel efficiency of newer vessels;
the scrapping rate of older vessels; and
changes in production of crude oil, particularly by OPEC and other key producers.

Tanker charter rates also tend to be subject to seasonal variations, with demand (and therefore charter rates) normally higher in winter months in
the northern hemisphere.

In  addition,  in  depressed  market  conditions,  our  charterers  and  customers  may  no  longer  need  a  vessel  or  drilling  unit  that  is  currently  under
charter or contract, or may be able to obtain a comparable vessel or drilling unit at a lower rate. As a result, charterers and customers may seek to
renegotiate  the  terms  of  their  existing  charter  parties  and  drilling  contracts,  or  avoid  their  obligations  under  those  contracts.  Should  a
counterparty fail to honor its obligations under agreements with us, we could sustain significant losses which could have a material adverse effect
on our business, financial condition, results of operations and cash flows.

Certain  of  our  directors,  executive  officers  and  major  shareholders  may  have  interests  that  are  different  from  the  interests  of  our  other
shareholders.

Certain of our directors, executive officers and major shareholders may have interests that are different from, or are in addition to, the interests of
our other shareholders. In particular, Hemen, a company indirectly controlled by trusts established by Mr. John Fredriksen, for the benefit of his
immediate family, and certain of its affiliates, may be deemed to beneficially own approximately 22.5% of our issued and outstanding common
shares as at March 26, 2019.

Hemen is also a principal shareholder of a number of other large publicly traded companies involved in various sectors of the shipping and oil
services  industries,  or  the  Hemen  Related  Companies.  In  addition,  certain  directors,  including  Mr.  Bekker,  Mr.  Thorstein,  Mr  Cordia  and  Mr
O'Shaughnessy, also serve on the boards of one or more of the Hemen Related Companies, including but not limited to Frontline, Golden Ocean,
Northern Drilling Ltd, Archer Limited, Seadrill and Seadrill Partners LLC. There may be real or apparent conflicts of interest with respect to
matters affecting Hemen and other Hemen Related Companies whose interests in some circumstances may be adverse to our interests.

To  the  extent  that  we  do  business  with  or  compete  with  other  Hemen  Related  Companies  for  business  opportunities,  prospects  or  financial
resources, or participate in ventures in which other Hemen Related Companies may participate, these directors and officers may face actual or
apparent conflicts of interest in connection with decisions that could have different implications for us. These decisions may relate to corporate
opportunities,  corporate  strategies,  potential  acquisitions  of  businesses,  newbuilding  acquisitions,  inter-company  agreements,  the  issuance  or
disposition  of  securities,  the  election  of  new  or  additional  directors  and  other  matters.  Such  potential  conflicts  may  delay  or  limit  the
opportunities  available  to  us,  and  it  is  possible  that  conflicts  may  be  resolved  in  a  manner  adverse  to  us  or  result  in  agreements  that  are  less
favorable to us than terms that would be obtained in arm's-length negotiations with unaffiliated third-parties.

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The agreements between us and affiliates of Hemen may be less favorable to us than agreements that we could obtain from unaffiliated third
parties.

The charters, management agreements, charter ancillary agreements and the other contractual agreements we have with companies affiliated with
Hemen were made in the context of an affiliated relationship. Although every effort was made to ensure that such agreements were made on an
arm's-length basis, the negotiation of these agreements may have resulted in prices and other terms that are less favorable to us than terms we
might have obtained in arm's-length negotiations with unaffiliated third parties for similar services.

Hemen and its associated companies' business activities may conflict with our business activities.

While  Frontline  and  Golden  Ocean  have  agreed  to  cause  Frontline  Shipping  and  the  Golden  Ocean  Charterer,  respectively,  to  use  their
commercial best efforts to employ our vessels on market terms and not to give preferential treatment in the marketing of any other vessels owned
or managed by Frontline and Golden Ocean or its other affiliates, it is possible that conflicts of interests in this regard will adversely affect us.
Under our charter ancillary agreements with Frontline Shipping, Frontline, the Golden Ocean Charterer and Golden Ocean, we are entitled to
receive  quarterly  profit  sharing  payments  to  the  extent  that  the  average  daily  time-charter  equivalent  ("TCE"),  rates  realized  by  Frontline
Shipping and the Golden Ocean Charterer exceed specified levels. Because Frontline, and Golden Ocean also own or manage other vessels in
addition to our fleet, which are not included in the profit sharing calculations, conflicts of interest may arise between us, Frontline and Golden
Ocean  in  the  allocation  of  chartering  opportunities  that  could  limit  our  fleet's  earnings  and  reduce  profit  sharing  payments  or  charterhire  due
under our charters.

Our shareholders must rely on us to enforce our rights against our contract counterparties.

Holders of our common shares and other securities have no direct right to enforce the obligations of Frontline Shipping, Frontline Management,
Frontline,  the  Golden  Ocean  Charterer,  Golden  Ocean  Management,  Golden  Ocean,  the  Seadrill  Charterers  and  Seadrill,  or  any  of  our  other
customers under the charters, or any of the other agreements to which we are a party. Accordingly, if any of those counterparties were to breach
their  obligations  to  us  under  any  of  these  agreements,  our  shareholders  would  have  to  rely  on  us  to  pursue  our  remedies  against  those
counterparties.

There is a risk that U.S. tax authorities could treat us as a "passive foreign investment company", which would have adverse U.S. federal
income tax consequences to U.S. shareholders.

A foreign corporation will be treated as a "passive foreign investment company," or PFIC, for U.S. federal income tax purposes if either (1) at
least 75% of its gross income for any taxable year consists of certain types of "passive income" or (2) at least 50% of the average value of the
corporation's assets produce or are held for the production of those types of "passive income."  For purposes of these tests, "passive income"
includes dividends, interest and gains from the sale or exchange of investment property and rents and royalties other than rents and royalties,
which  are  received  from  unrelated  parties  in  connection  with  the  active  conduct  of  a  trade  or  business.    For  purposes  of  these  tests,  income
derived  from  the  performance  of  services  does  not  constitute  "passive  income",  but  income  from  bareboat  charters  does  constitute  "passive
income."

U.S. shareholders of a PFIC are subject to a disadvantageous U.S. federal income tax regime with respect to the income derived by the PFIC, the
distributions they receive from the PFIC and the gain, if any, they derive from the sale or other disposition of their shares in the PFIC.

Under these rules, if our income from our time charters is considered to be passive rental income, rather than income from the performance of
services, we will be considered to be a PFIC.  We believe that it is more likely than not that our income from time charters will not be treated as
passive rental income for purposes of determining whether we are a PFIC. Correspondingly, we believe that the assets that we own and operate in
connection with the production of such income do not constitute passive assets for purposes of determining whether we are a PFIC. This position
is  principally  based  upon  the  positions  that  (1)  our  time  charter  income  will  constitute  services  income,  rather  than  rental  income,  and  (2)
Frontline  Management  and  Golden  Ocean  Management,  which  provide  services  to  certain  of  our  time-chartered  vessels,  will  be  respected  as
separate entities from Frontline Shipping and the Golden Ocean Charterer, with which they are respectively affiliated. We do not believe that we
will be treated as a PFIC for our 2018 taxable year. Nevertheless, for the 2019 taxable year and future taxable years, depending upon the relative
amounts of income we derive from our various assets as well as their relative fair market values, we may be treated as a PFIC.

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We note that there is no direct legal authority under the PFIC rules addressing our current and expected method of operation. Accordingly, no
assurance can be given that the Internal Revenue Service, or the IRS, or a court of law will accept our position, and there is a significant risk that
the  IRS  or  a  court  of  law  could  determine  that  we  are  a  PFIC.  Furthermore,  even  if  we  would  not  be  a  PFIC  under  the  foregoing  tests,  no
assurance can be given that we would not constitute a PFIC for any future taxable year if the nature and extent of our operations were to change.

If the IRS were to find that we are or have been a PFIC for any taxable year, our U.S. shareholders will face adverse U.S. federal income tax
consequences. For example, U.S. non-corporate shareholders would not be eligible for the preferential rate on dividends that we pay.

We may have to pay tax on U.S. source income, which would reduce our earnings.

Under the U.S. Internal Revenue Code of 1986 as amended, or the Code, 50% of the gross shipping income of a vessel owning or chartering
corporation, such as ourselves and our subsidiaries, that is attributable to transportation that begins or ends, but that does not both begin and end,
in  the  United  States  may  be  subject  to  a  4%  U.S.  federal  income  tax  without  allowance  for  deduction,  unless  that  corporation  qualifies  for
exemption from tax under Section 883 of the Code and the applicable Treasury Regulations promulgated thereunder.

We believe that we and each of our subsidiaries qualify for this statutory tax exemption and we will take this position for U.S. federal income tax
return reporting purposes for the 2018 taxable year. However, there are factual circumstances beyond our control that could cause us to lose the
benefit  of  this  tax  exemption  and  thereby  become  subject  to  U.S.  federal  income  tax  on  our  U.S.  source  shipping  income.    For  example,  if
Hemen, who we believe to be a non-qualified shareholder, were to, in combination with other non-qualified shareholders, come to own 50% or
more of our outstanding common shares for more than half the days during the taxable year, there is a risk that we could no longer qualify for
exemption under Section 883 of the Code for a particular taxable year. Due to the factual nature of the issues involved, we can give no assurances
on our tax-exempt status or that of any of our subsidiaries.

If we, or our subsidiaries, are not entitled to exemption under Section 883 of the Code for any taxable year, we, or our subsidiaries, could be
subject for those years to an effective 2% U.S. federal income tax on the gross shipping income these companies derive during the year that is
attributable to the transport of cargoes to or from the United States.  The imposition of this tax would have a negative effect on our business and
would result in decreased earnings available for distribution to our shareholders.

As an exempted company incorporated under Bermuda law, our operations may be subject to economic substance requirements.

On December 5, 2017, following an assessment of the tax policies of various countries by the Code of Conduct Group for Business Taxation of
the  European  Union  (the  “COCG”),  the  Council  of  the  EU  approved  and  published  Council  conclusions  containing  a  list  of  non-cooperative
jurisdictions  for  tax  purposes  (the  “Conclusions”).  Although  not  considered  so-called  “non-cooperative  jurisdictions,”  certain  countries,
including Bermuda, were listed as having “tax regimes that facilitate offshore structures which attract profits without real economic activity.” In
connection with the Conclusions, and to avoid being placed on the list of “non-cooperative jurisdictions,” the government of Bermuda, among
others,  committed  to  addressing  COCG  proposals  relating  to  economic  substance  for  entities  doing  business  in  or  through  their  respective
jurisdictions and to pass legislation to implement any appropriate changes by the end of 2018.

The  Economic  Substance  Act  2018  and  the  Economic  Substance  Regulations  2018  of  Bermuda  (the  “Economic  Substance  Act”  and  the
“Economic  Substance  Regulations”,  respectively)  became  operative  on  December  31,  2018.    The  Economic  Substance  Act  applies  to  every
registered entity in Bermuda that engages in a relevant activity and requires that every such entity shall maintain a substantial economic presence
in  Bermuda.  Relevant  activities  for  the  purposes  of  the  Economic  Substance  Act  are  banking  business,  insurance  business,  fund  management
business,  financing  business,  leasing  business,  headquarters  business,  shipping  business,  distribution  and  service  center  business,  intellectual
property holding business and conducting business as a holding entity, which may include a pure equity holding entity

The  Bermuda  Economic  Substance  Act  provides  that  a  registered  entity  that  carries  on  a  relevant  activity  complies  with  economic  substance
requirements  if  (a)  it  is  directed  and  managed  in  Bermuda,  (b)  its  core  income-generating  activities  (as  may  be  prescribed)  are  undertaken  in
Bermuda with respect to the relevant activity, (c) it maintains adequate physical presence in Bermuda, (d) it has adequate full time employees in
Bermuda with suitable qualifications and (e) it incurs adequate operating expenditure in Bermuda in relation to the relevant activity.

A registered entity that carries on a relevant activity is obliged under the Bermuda Economic Substance Act to file a declaration in the prescribed
form (the “Declaration”) with the Registrar of Companies (the “Registrar”) on an annual basis.

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The Economic Substance Regulations provide that minimum economic substance requirements shall apply in relation to an entity if the entity is a
pure  equity  holding  entity  which  only  holds  or  manages  equity  participations,  and  earns  passive  income  from  dividends,  distributions,  capital
gains  and  other  incidental  income  only.  The  minimum  economic  substance  requirements  include  a)  compliance  with  applicable  corporate
governance requirements set forth in the Bermuda Companies Act 1981 including keeping records of account, books and papers and financial
statements and b) submission of an annual economic substance declaration form. Additionally, the Economic Substance Regulations provide that
a pure equity holding entity complies with economic substance requirements where it also has adequate employees for holding and managing
equity participations, and adequate premises in Bermuda.

If  we  fail  to  comply  with  our  obligations  under  the  Bermuda  Economic  Substance  Act  or  any  similar  law  applicable  to  us  in  any  other
jurisdictions, we could be subject to financial penalties and spontaneous disclosure of information to foreign tax officials in related jurisdictions
and  may  be  struck  from  the  register  of  companies  in  Bermuda  or  such  other  jurisdiction.  Any  of  these  actions  could  have  a  material  adverse
effect on our business, financial condition and results of operations.

On March 12, 2019, Bermuda was placed by the EU on its list of non-cooperative jurisdictions for tax purposes due to an issue with Bermuda's
economic substance legislation which was not resolved in time for the EU's deadline. At present, the impact of being included on the list of non-
cooperative jurisdictions for tax purposes is unclear. While Bermuda has now amended its legislation which the Bermuda Government has stated
has  addressed  this  issue  and  expects  to  be  removed  from  the  list  of  non-cooperative  jurisdictions  at  the  EU's  Economic  and  Financial  Affairs
Council's  next  meeting  which  is  scheduled  to  be  in  May  2019,  there  can  be  no  assurance  that  Bermuda  will  be  removed  from  such  list.  If
Bermuda is not removed from the list and sanctions or other financial, tax or regulatory measures were applied by European Member States to
countries on the list or further economic substance requirements were imposed by Bermuda, our business could be harmed.

If  our  long-term  time  or  bareboat  charters  or  management  agreements  with  respect  to  our  vessels  employed  on  long-term  time  charters
terminate, we could be exposed to increased volatility in our business and financial results, our revenues could significantly decrease and our
operating expenses could significantly increase.

If  any  of  our  charters  terminate,  we  may  not  be  able  to  re-charter  those  vessels  on  a  long-term  basis  with  terms  similar  to  the  terms  of  our
existing charters, or at all.

The vessels in our fleet that have charters attached to them are generally contracted to expire between one and 15 years from now.  However, we
have granted some of our charterers purchase or early termination options that, if exercised, may effectively terminate our charters with these
customers at an earlier date. One or more of the charters with respect to our vessels may also terminate in the event of a requisition for title or a
loss of a vessel.

Under our vessel management agreements with Frontline Management and Golden Ocean Management, for fixed management fees, Frontline
Management and Golden Ocean Management are responsible for all of the technical and operational management of the vessels chartered by
Frontline Shipping and the Golden Ocean Charterer, respectively, and will indemnify us against certain loss of hire and various other liabilities
relating to the operation of these vessels. If the relevant charter is terminated, the corresponding management agreement will also be terminated.

In addition to the three vessels on charter to Frontline Shipping and the eight vessels on charter to Golden Ocean Charterer, we also have 14
container vessels, five dry bulk carriers and two product tankers employed on time charters, and two Suezmax tankers, nine dry bulk carriers and
two car carriers employed in the spot or short term time charter market. The agreements for the technical and operational management of these
vessels are not fixed price agreements, and we cannot assure you that any further vessels which we may acquire in the future will be operated
under fixed price management agreements.

Therefore,  to  the  extent  that  we  acquire  additional  vessels,  our  cash  flow  could  be  more  volatile  in  the  future  and  we  could  be  exposed  to
increases in our vessel operating expenses, each of which could materially and adversely affect our results of operations and business.

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Certain of our vessels and drilling units are subject to purchase options held by the charterer of the vessel or drilling unit, which, if exercised,
could reduce the size of our fleet and reduce our future revenues.

The  charter-free  market  values  of  our  vessels  and  drilling  units  are  expected  to  change  from  time  to  time  depending  on  a  number  of  factors
including  general  economic  and  market  conditions  affecting  the  shipping  and  offshore  industries,  competition,  cost  of  vessel  or  drilling  unit
construction,  governmental  or  other  regulations,  prevailing  levels  of  charter  rates  and  technological  changes.  We  have  granted  fixed  price
purchase options to certain of our customers with respect to the vessels and drilling units they have chartered from us, and these prices may be
less than the respective vessel's or drilling unit’s charter-free market value at the time the option may be exercised. In addition, we may not be
able to obtain a replacement vessel or drilling unit for the price at which we sell the vessel or drilling unit. In such a case, we could incur a loss
and a reduction in earnings.

Volatility of LIBOR and potential changes of the use of LIBOR as a benchmark could affect our profitability, earnings and cash flow.

London  Interbank  Offered  Rate  (“LIBOR”)  is  the  subject  of  recent  national,  international  and  other  regulatory  guidance  and  proposals  for
reform. These reforms and other pressures may cause LIBOR to be eliminated or to perform differently than in the past. The consequences of
these  developments  cannot  be  entirely  predicted,  but  could  include  an  increase  in  the  cost  of  our  variable  rate  indebtedness  and  obligations.
LIBOR has been volatile in the past, with the spread between LIBOR and the prime lending rate widening significantly at times. Because the
interest rates borne by a majority of our outstanding indebtedness fluctuates with changes in LIBOR, significant changes in LIBOR would have a
material effect on the amount of interest payable on our debt, which in turn, could have an adverse effect on our financial condition.

Furthermore,  interest  in  most  financing  agreements  in  our  industry  has  been  based  on  published  LIBOR  rates.  Recently,  however,  there  is
uncertainty relating to the LIBOR calculation process, which may result in the phasing out of LIBOR in the future. As a result, lenders have
insisted on provisions that entitle the lenders, in their discretion, to replace published LIBOR as the base for the interest calculation with their
cost-of-funds rate. If we are required to agree to such a provision in future financing agreements, our lending costs could increase significantly,
which would have an adverse effect on our profitability, earnings and cash flow. In addition, the banks currently reporting information used to set
LIBOR  will  likely  stop  such  reporting  after  2021,  when  their  commitment  to  reporting  information  ends.  The  Alternative  Reference  Rate
Committee, or “Committee”, a committee convened by the Federal Reserve that includes major market participants, has proposed an alternative
rate to replace U.S. Dollar LIBOR: the Secured Overnight Financing Rate, or “SOFR.” The impact of such a transition away from LIBOR would
be significant for us because of our substantial indebtedness.

In order to manage our exposure to interest rate fluctuations, we may from time to time use interest rate derivatives to effectively fix some of our
floating rate debt obligations. No assurance can however be given that the use of these derivative instruments, if any, may effectively protect us
from  adverse  interest  rate  movements.  The  use  of  interest  rate  derivatives  may  affect  our  results  through  mark  to  market  valuation  of  these
derivatives.  Also,  adverse  movements  in  interest  rate  derivatives  may  require  us  to  post  cash  as  collateral,  which  may  impact  our  free  cash
position.

A change in interest rates could materially and adversely affect our financial performance.

As of December 31, 2018, the Company and its consolidated subsidiaries had approximately $1.1 billion in floating rate debt outstanding under
our  credit  facilities,  and  a  further  approximately  $0.7  billion  in  floating  rate  debt  held  by  our  unconsolidated  wholly-owned  subsidiaries
accounted  for  under  the  equity  method.  Although  we  use  interest  rate  swaps  to  manage  our  interest  rate  exposure  and  have  interest  rate
adjustment clauses in some of our chartering agreements, we are exposed to fluctuations in interest rates. For a portion of our floating rate debt, if
interest rates rise, interest payments on our floating rate debt that we have not swapped into effectively fixed rates would increase.

As of December 31, 2018, the Company, its consolidated subsidiaries and its wholly-owned subsidiaries accounted for under the equity method
have entered into interest rate swaps which fix the interest on approximately $0.9 billion of our outstanding indebtedness.

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An increase in interest rates could cause us to incur additional costs associated with our debt service, which may materially and adversely affect
our results of operations. Our maximum exposure to interest rate fluctuations on our outstanding debt at December 31, 2018, was approximately
$0.9 billion, including our equity-accounted subsidiaries.  A one percentage change in interest rates would, based on the Company's estimates,
increase  or  decrease  interest  rate  exposure  by  approximately  $8.8 million  per  year  as  of  December  31,  2018.    The  figure  does  not  take  into
account that certain of our charter contracts include interest adjustment clauses, whereby the charter rate is adjusted to reflect the actual interest
paid on a deemed outstanding debt related to the assets on charter. At December 31, 2018, $0.8 billion of our floating rate debt was subject to
such interest adjustment clauses, including our equity-accounted subsidiaries. None of this was subject to interest rate swaps and the balance of
$0.8 billion remained on a floating rate basis. Our net exposure to floating rate debt is therefore $114.8 million.

The  interest  rate  swaps  that  have  been  entered  into  by  the  Company  and  its  subsidiaries  are  derivative  financial  instruments  that  effectively
translate  floating  rate  debt  into  fixed  rate  debt.  US  GAAP  requires  that  these  derivatives  be  valued  at  current  market  prices  in  our  financial
statements,  with  increases  or  decreases  in  valuations  reflected  in  results  of  operations  or,  if  the  instrument  is  designated  as  a  hedge,  in  other
comprehensive income. Changes in interest rates give rise to changes in the valuations of interest rate swaps and could adversely affect results of
operations and other comprehensive income.

We may have difficulty managing our planned growth properly.

Since our original acquisitions from Frontline, we have expanded and diversified our fleet, and we are performing certain administrative services
through our wholly-owned subsidiaries SFL Management AS, Ship Finance Management (UK) Ltd. and Ship Finance Management (Bermuda)
Ltd.

We  intend  to  continue  to  expand  our  fleet.  We  continuously  evaluate  potential  transactions,  which  may  include  pursuit  of  other  business
combinations, the acquisition of vessels or related businesses, the expansion of our operations, repayment of existing debt, share repurchases,
short term investments or other transactions that we believe will be accretive to earnings, enhance shareholder value or are in our best interests.
Our  future  growth  will  primarily  depend  on  our  ability  to  locate  and  acquire  suitable  vessels  and  drilling  units,  identify  and  consummate
acquisitions or joint ventures, obtain required financing, integrate any acquired vessels and drilling units with our existing operations, enhance
our customer base, and manage our expansion.

The  growth  in  the  size  and  diversity  of  our  fleet  will  continue  to  impose  additional  responsibilities  on  our  management,  and  may  present
numerous risks, such as undisclosed liabilities and obligations, difficulty in recruiting additional qualified personnel and managing relationships
with  customers  and  suppliers,  and  integrating  newly  acquired  operations  into  existing  infrastructures.  We  cannot  assure  you  that  we  will  be
successful in executing our growth plans or that we will not incur significant expenses and losses in connection with our future growth.

We  are  highly  leveraged  and  subject  to  restrictions  in  our  financing  agreements  that  impose  constraints  on  our  operating  and  financing
flexibility.

We have significant indebtedness outstanding under our senior unsecured convertible notes and our Norwegian kroner, or NOK, senior unsecured
bonds. We have also entered into loan facilities that we have used to refinance existing indebtedness and to acquire additional vessels.  We may
need to refinance some or all of our indebtedness on maturity of our convertible notes, bonds or loan facilities and to acquire additional vessels in
the future. We cannot assure you that we will be able to do so on terms acceptable to us or at all. If we cannot refinance our indebtedness, we will
have  to  dedicate  some  or  all  of  our  cash  flows,  and  we  may  be  required  to  sell  some  of  our  assets,  to  pay  the  principal  and  interest  on  our
indebtedness. In such a case, we may not be able to pay dividends to our shareholders and may not be able to grow our fleet as planned. We may
also incur additional debt in the future.

Our loan facilities and the indentures for our convertible notes and bonds subject us to limitations on our business and future financing activities,
including:

•
•
•
•

limitations on the incurrence of additional indebtedness, including  issuance of additional guarantees;
limitations on incurrence of liens;
limitations on our ability to pay dividends and make other distributions; and
limitations on our ability to renegotiate or amend our charters, management agreements and other material agreements.

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Further, our loan facilities contain financial covenants that require us to, among other things:

•

provide additional security under the loan facility or prepay an amount of the loan facility as necessary to maintain the fair market value of
our  vessels  securing  the  loan  facility  at  not  less  than  specified  percentages  (ranging  from  100%  to  150%)  of  the  principal  amount
outstanding under the loan facility;

• maintain available cash on a consolidated basis of not less than $25 million;
• maintain positive working capital on a consolidated basis; and
• maintain a ratio of total liabilities to adjusted total assets of less than 0.80.

Under the terms of our loan facilities, we may not make distributions to our shareholders if we do not satisfy these covenants or receive waivers
from the lenders. We cannot assure you that we will be able to satisfy these covenants in the future.

Due to these restrictions, we may need to seek permission from our lenders in order to engage in some corporate actions. Our lenders' interests
may be different from ours and we cannot guarantee that we will be able to obtain our lenders' permission when needed. This may prevent us
from taking actions that are in our best interests.

Our debt service obligations require us to dedicate a substantial portion of our cash flows from operations to required payments on indebtedness
and  could  limit  our  ability  to  obtain  additional  financing,  make  capital  expenditures  and  acquisitions,  and  carry  out  other  general  corporate
activities in the future. These obligations may also limit our flexibility in planning for, or reacting to, changes in our business and the shipping
industry  or  detract  from  our  ability  to  successfully  withstand  a  downturn  in  our  business  or  the  economy  generally.  This  may  place  us  at  a
competitive disadvantage to other less leveraged competitors.

Furthermore, our debt agreements, including our bond agreements, contain cross-default provisions that may be triggered by a default under one
of our other debt agreements. The cross default provisions imply that a failure by Ship Finance International Limited, as guarantor or issuer, to
pay any financial indebtedness above certain thresholds when due, or within any applicable grace period, could result in a default under our other
debt agreements.

The occurrence of any event of default, or our inability to obtain a waiver from our lenders in the event of a default, could result in certain or all
of our indebtedness being accelerated or the foreclosure of the liens on our vessels by our lenders. If our secured indebtedness is accelerated in
full or in part, it would be very difficult in the current financing environment for us to refinance our debt or obtain additional financing and we
could lose our vessels and other assets securing our credit facilities if our lenders foreclose their liens, which would adversely affect our ability to
conduct our business.

Moreover,  in  connection  with  any  waivers  of  or  amendments  to  our  credit  facilities  that  we  have  obtained,  or  may  obtain  in  the  future,  our
lenders may impose additional operating and financial restrictions on us or modify the terms of our existing credit facilities. These restrictions
may  further  restrict  our  ability  to,  among  other  things,  pay  dividends,  make  capital  expenditures  or  incur  additional  indebtedness,  including
through  the  issuance  of  guarantees.  Our  lenders  may  also  require  the  payment  of  additional  fees,  require  prepayment  of  a  portion  of  our
indebtedness to them, accelerate the amortization schedule for our indebtedness and increase the interest rates they charge us on our outstanding
indebtedness. See "Item 5. Operating and Financial Review and Prospects - B. Liquidity and Capital Resources.

In  addition,  under  the  terms  of  our  credit  facilities,  our  payment  of  dividends  or  other  payments  to  shareholders  as  well  as  our  subsidiaries'
payment of dividends to us is subject to no event of default having occurred. See "Item 8. Financial Information -Dividend Policy."

We may be subject to litigation that, if not resolved in our favor and not sufficiently insured against, could have a material adverse effect on
us.

We may be, from time to time, involved in various litigation matters. These matters may include, among other things, contract disputes, personal
injury claims, environmental claims or proceedings, asbestos and other toxic tort claims, employment matters, governmental claims for taxes or
duties, and other litigation that arises in the ordinary course of our business. Although we intend to defend these matters vigorously, we cannot
predict with certainty the outcome or effect of any claim or other litigation matter, and the ultimate outcome of any litigation or the potential
costs to resolve them may have a material adverse effect on us. Insurance may not be applicable or sufficient in all cases and/or insurers may not
remain solvent, which may have a material adverse effect on our financial condition.

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Risks Relating to Our Common Shares

We are a holding company, and we depend on the ability of our subsidiaries to distribute funds to us in order to satisfy our financial and
other obligations and to make dividend payments.

We  are  a  holding  company,  and  have  no  significant  assets  other  than  the  equity  interests  in  our  subsidiaries.  Our  subsidiaries  own  all  of  our
vessels and drilling units, and payments under our charter agreements are made to our subsidiaries. As a result, our ability to make distributions
to our shareholders depends on the performance of our subsidiaries and their ability to distribute funds to us. The ability of a subsidiary to make
these distributions could be affected by a claim or other action by a third party or by the law of its respective jurisdiction of incorporation which
regulates the payment of dividends by companies. Under the terms of our credit facilities, we may be restricted from making distributions from
our subsidiaries if they are not in compliance with the terms of the relevant agreements. If we are unable to obtain funds from our subsidiaries,
we will not be able to pay dividends to our shareholders.

The market price of our common shares may be unpredictable and volatile.

The  market  price  of  our  common  shares  has  been  volatile.  For  the  year  ended  December  31,  2018,  the  closing  market  price  of  our  common
shares ranged from a high of $15.90 on January 23 and 24, 2018, to a low of $10.53 on December 31, 2018. The market price of our common
shares may continue to fluctuate due to factors such as actual or anticipated fluctuations in our quarterly and annual results and those of other
public  companies  in  our  industry,  changes  in  key  management  personnel,  any  reductions  in  the  payment  of  our  dividends  or  changes  in  our
dividend policy, mergers and strategic alliances in the shipping and offshore industries, market conditions in the shipping and offshore industries,
changes in government regulation, shortfalls in our operating results from levels forecast by securities analysts, perceived or actual inability by
our  chartering  counterparts  to  fully  perform  under  the  charter  parties,  including  the  Seadrill  Charterers,  Frontline  Shipping  and  the  Solstad
Charterer, announcements concerning us or our competitors and the general state of the securities market. The shipping and offshore industries
have been highly unpredictable and volatile. The market for common shares in these industries may be equally volatile. Therefore, we cannot
assure you that you will be able to sell any of our common shares you may have purchased at a price greater than or equal to its original purchase
price.  Additionally,  to  the  extent  that  the  price  of  our  common  shares  declines,  our  ability  to  raise  funds  through  the  issuance  of  equity,  or
otherwise using our common shares as consideration, will be reduced.

Future sales of our common shares or conversion of our convertible notes could cause the market price of our common shares to decline.

The market price of our common shares could decline due to sales of a large number of our shares in the market or the perception that such sales
could occur or conversion of our convertible notes. This could depress the market price of our common shares and make it more difficult for us
to sell equity securities in the future at a time and price that we deem appropriate, or at all.

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Because we are a foreign corporation, you may not have the same rights as a shareholder in a U.S. corporation may have.

We are a Bermuda exempted company. Our Memorandum of Association and Bye-Laws and the Bermuda Companies Act 1981, as amended,
govern  our  affairs.  Investors  may  have  more  difficulty  in  protecting  their  interests  and  enforcing  judgments  in  the  face  of  actions  by  our
management, directors or controlling shareholders than would shareholders of a corporation incorporated in a United States jurisdiction. Under
Bermuda law a director generally owes a fiduciary duty only to the company and not to the company's shareholders. Our shareholders may not
have a direct course of action against our directors. In addition, Bermuda law does not provide a mechanism for our shareholders to bring a class
action lawsuit under Bermuda law. Further, our bye-laws provide for the indemnification of our directors or officers against any liability arising
out of any act or omission except for an act or omission constituting fraud, dishonesty or illegality.

Because  our  offices  and  the  majority  of  our  assets  are  located  outside  the  United  States,  you  may  not  be  able  to  bring  suit  against  us,  or
enforce a judgment obtained against us in the United States

Our  executive  offices,  administrative  activities  and  the  majority  of  our  assets  are  located  outside  the  United  States.  In  addition,  most  of  our
directors and officers are not resident in the United States. As a result, it may be more difficult for investors to effect service of process within the
United States upon us, or to enforce both in the United States and outside the United States judgments against us in any action, including actions
predicated upon the civil liability provisions of the federal securities laws of the United States.

ITEM 4.

INFORMATION ON THE COMPANY

A. HISTORY AND DEVELOPMENT OF THE COMPANY

The Company

We are Ship Finance International Limited, a Bermuda-based company incorporated in Bermuda on October 10, 2003, as a Bermuda exempted
company under the Bermuda Companies Law of 1981 (Company No. EC-34296). We are engaged primarily in the ownership and operation of
vessels and offshore related assets, and also involved in the charter, purchase and sale of assets.  Our registered and principal executive offices
are located at Par-la-Ville Place, 14 Par-la-Ville Road, Hamilton, HM 08, Bermuda, and our telephone number is +1 (441) 295-9500.

We operate through subsidiaries located in Bermuda, Cyprus, Malta, Liberia, Norway, the United Kingdom and the Marshall Islands.

We are an international ship owning and chartering company with a large and diverse asset base across the maritime and offshore industries. As
at March 26, 2019, our assets consist of five crude oil tankers, 22 dry bulk carriers, 45 container vessels (including 11 capital lease vessels), two
car carriers, one jack-up drilling rig, two ultra-deepwater drilling units, five offshore support vessels, two chemical tankers and two oil product
tankers. Our crude oil tankers, chemical tankers and oil product tankers are all double-hull vessels.

Our  primary  objective  is  to  continue  to  grow  our  business  through  accretive  acquisitions  across  a  diverse  range  of  marine  and  offshore  asset
classes. In doing so, our strategy is to generate stable and increasing cash flows by chartering our assets primarily under medium to long-term
bareboat or time charters.

History of the Company

We were formed in 2003 as a wholly owned subsidiary of Frontline, a major operator of large crude oil tankers. In 2004, Frontline distributed
25% of our common shares to its ordinary shareholders in a partial spin off, and our common shares commenced trading on the New York Stock
Exchange, or the NYSE, under the ticker symbol "SFL" on June 17, 2004. Frontline subsequently made six further dividends of our shares to its
shareholders  and  its  ownership  in  our  Company  is  now  less  than  one  percent.  Our  assets  at  the  time  consisted  of  a  fleet  of  Suezmax  tankers,
VLCCs, and oil/bulk/ore carriers.

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Since 2004, we have diversified our asset base and now have nine asset types, which comprise crude oil tankers, chemical tankers, oil product
tankers,  container  vessels,  car  carriers,  dry  bulk  carriers,  jack-up  drilling  rigs,  ultra-deepwater  drilling  units  and  offshore  support  vessels.  In
addition, we have certain financial investments.

Acquisitions and Disposals

Acquisitions

In the year ended December 31, 2018, we took delivery of the following vessels:

•

•

•

•

In April 2018, the Company took delivery of a fleet of 15 second-hand feeder size containerships, ranging from 1,100 TEU to 4,400 TEU.
Upon delivery, the vessels immediately commenced seven year bareboat charters to a leading container line.

In  May  2018,  the  Company  acquired  and  took  delivery  of  four  2014-built  13,800  TEU  containerships,  Thalassa  Mana,  Thalassa  Tyhi,
Thalassa  Doxa  and  Thalassa  Axia.  Upon  delivery,  the  vessels  were  employed  under  long  term  time  charters  for  six  years  to  a  leading
container line. In September and October 2018, the Company entered into lease financing agreements totaling $400 million with an Asian
based leasing institution to finance these four vessels.

In September and October, the Company acquired and took delivery of three 2015-built 10,600 TEU containerships, Cap San Juan, Cap San
Lazaro and Cap San Vincent. Upon delivery, the vessels were employed under long term time charters from Maersk Line A/S (“Maersk”) for
six  years.  In  December  2018,  the  Company  entered  into  a  lease  financing  agreement  totaling  $270  million  with  an  Asian  based  leasing
institution to finance the three vessels.

In December, the Company chartered-in two 2016-built 19,400 TEU containerships, MSC Erica and MSC Reef. Upon delivery, the vessels
each commenced a 15 year bareboat charter to a leading container line.

The Company has not taken delivery of any new vessels between December 31, 2018 and March 26, 2019.

Disposals

In the year ended December 31, 2018, we entered into agreements for the disposal of vessels, as follows:

•

•

•

•

•

•

In February 2018, the Company delivered the 1999-built VLCC Front Circassia to an unrelated third party for gross sale proceeds of $17.9
million. Furthermore, the Company agreed with Frontline Shipping Limited (“FSL”), to terminate the long-term charter for the vessel upon
the sale and delivery. The charter with FSL was terminated in February 2018, and the Company received an interest bearing loan note of
$8.9 million from FSL as compensation for the early termination of the charter.

In March 2018, the Company agreed to sell the 2010-built 1,700 TEU container vessel SFL Avon to an unrelated third party for gross sales
proceeds of $12.7 million. The vessel was delivered to its new owners in May 2018.

In July 2018, the Company agreed to sell the 2002-built VLCCs Front Serenade, Front Page and Front Stratus to an unrelated third party,
ADS Crude Carriers Ltd (“ADS”) for gross sale proceeds of $22.5 million for each vessel. Also as part of the sale, the Company received
4,031,800 shares worth $10.0 million in ADS, representing 17.24%  ownership  in  ADS.  Upon  the  sale  and  delivery,  the  Company  agreed
with FSL to terminate the long-term charter of the three vessels. The Company received compensation in the form of three promissory notes
of $3.4 million each in respect of the charter terminations from Frontline Ltd.

In September 2018, the Company agreed to sell the 2001-built VLCC Front Ariake to an unrelated third party, for gross sale proceeds of
$17.5 million. The vessel was delivered to its new owners in October 2018. Upon delivery, the Company agreed to terminate its long term
charter with FSL and Frontline made a compensation payment to the Company in the form of a loan note with a value of $3.4 million.

In November 2018, the Company agreed to sell the 2002-built VLCC Front Falcon to an unrelated third party, for gross sale proceeds of
$31.0 million. The vessel was delivered to its new owners in December 2018. Upon delivery, the Company agreed to an early termination of
its long term charter with FSL, and no compensation was due to the Company.

In December 2018, the Company sold the 2007-built jack up rig, Soehanah, through the disposal of its shares in its subsidiary, Rig Finance
Limited, for gross proceeds of $84.6 million and a gain of $7.6 million was recorded.

The Company has not disposed of any vessels between December 31, 2018 and March 26, 2019.

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B. BUSINESS OVERVIEW

Our Business Strategies

Our primary objectives are to profitably grow our business and increase long-term distributable cash flow per share by pursuing the following
strategies:

(1) Expand our asset base.  We have increased, and intend to further increase, the size of our asset base through timely and selective
acquisitions of additional assets that we believe will be accretive to long-term distributable cash flow per share.  We will seek to
expand our asset base through placing newbuilding orders, acquiring second-hand vessels and entering into medium or long-term
charter arrangements. We also make financial investments or provide loans secured by vessels and rigs. From time to time we may
also acquire vessels with no or limited initial charter coverage. We believe that by entering into newbuilding contracts or acquiring
second-hand vessels or rigs we can provide for long-term growth of our assets.

(2) Diversify our asset base.  Since 2004, we have diversified our asset base and now have nine asset types, which comprise crude oil
tankers,  chemical  tankers,  oil  product  tankers,  container  vessels,  car  carriers,  dry  bulk  carriers,  jack-up  drilling  rigs,  ultra-
deepwater drilling units and offshore support vessels. We believe that there are other attractive markets that could provide us with
the opportunity to further diversify our asset base.  These markets include vessels and other assets that are of long-term strategic
importance  to  certain  operators  in  the  shipping  and  offshore  industries.  We  believe  that  the  expertise  and  relationships  of  our
management,  together  with  our  relationship  and  affiliation  with  Mr.  John  Fredriksen,  could  provide  us  with  incremental
opportunities to expand our asset base.

(3) Expand and diversify our customer relationships.  Since 2004, we have increased our customer base from one to more than 10
customers. Of these long term customers, Frontline Shipping, Seadrill and Golden Ocean are related parties. We intend to continue
to expand our relationships with our existing customers and also to add new customers, as companies servicing the international
shipping and offshore oil exploration markets continue to expand their use of chartered-in assets to add capacity.

(4) Pursue medium to long-term fixed-rate charters.  We intend to continue to pursue medium to long-term fixed rate charters, which
provide us with stable future cash flows.  Our customers typically employ long-term charters for strategic expansion as most of
their  assets  are  typically  of  strategic  importance  to  certain  operating  pools,  established  trade  routes  or  dedicated  oil-field
installations.  We believe that we will be well positioned to participate in their growth.  In addition, we will also seek to enter into
charter agreements that are shorter and provide for profit sharing, so that we can generate incremental revenue and share in the
upside during strong markets.

Customers

As at March 26, 2019, our customers included Frontline Shipping Limited (“Frontline Shipping”), Seadrill Limited (“Seadrill”), Golden Ocean
Group  Limited  (“Golden  Ocean”),  Deep  Sea  Supply  Shipowning  II  AS  (the  “Solstad  Charterer”),  Sinochem  Shipping  Co.  Ltd  (“Sinochem”),
Heung-A Shipping Co. Ltd (“Heung-A”), Hyundai Glovis Co. Ltd. (“Hyundai Glovis”), Sinotrans Shipping Limited (“Sinotrans”), Maersk Line
A/S  (“Maersk”),  MSC  Mediterranean  Shipping  Company  S.A.  and  its  affiliate  Conglomerate  Shipping  Ltd.  (“MSC”),  Phillips  66  Company
(“Phillips 66”), Mitsui OSK Lines Ltd (“MOL”) and Evergreen Marine Corporation (Taiwan) Ltd. and its affiliate Evergreen Marine (Singapore)
Pte Ltd (“Evergreen”), or subsidiaries thereof.

In the year ended December 31, 2018, Frontline Shipping accounted for 8% of our consolidated operating revenues (2017: 15%, 2016: 28%). In
the year ended December 31, 2018, the Company had eight Capesize dry bulk carriers leased to a subsidiary of Golden Ocean which accounted
for approximately 13% of our consolidated operating revenues (2017: 14%, 2016: 12%).

The Company also had 29 container vessels on long-term bareboat charters to MSC, which accounted for approximately 11% of our consolidated
operating revenues in the year ended December 31, 2018 (2017: 10%, 2016: 4%).

Following the acquisition of Hamburg Süd by Maersk Line A/S (“Maersk”) in November 2017, the Company had 10 container vessels on long-
term  time  charters  to  Maersk  at  December  31,  2018,  which  accounted  for  approximately  27%  of  our  consolidated  operating  revenues  (2017:
14%; 2016: 9%).

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Our income earned from Seadrill is through three wholly owned subsidiaries which are accounted for using the equity method, that lease drilling
units  to  subsidiaries  of  Seadrill.  In  the  year  ended  December  31,  2018,  income  from  associated  companies  accounted  for  39.1%  of  our  net
income (2017: 38.6%, 2016: 31.7%).

Competition

We  currently  operate  in  several  sectors  of  the  shipping  and  offshore  industry,  including  oil  transportation,  dry  bulk  shipments,  chemical
transportation, oil product transportation, container transportation, car transportation, drilling rigs and offshore support vessels.

The markets for international seaborne oil transportation services, dry bulk transportation services, and container and car transportation services
are highly fragmented and competitive. Seaborne oil transportation services are generally provided by two main types of operators: major oil
companies or captive fleets (both private and state-owned) and independent shipowner fleets.

In addition, several owners and operators pool their vessels together on an ongoing basis, and such pools are available to customers to the same
extent as independently owned and operated fleets. Many major oil companies and other commodity carriers also operate their own vessels and
use such vessels not only to transport their own cargoes but also to transport cargoes for third parties, in direct competition with independent
owners and operators.

Container vessels and car carriers are generally operated by logistics companies, where the vessels are used as an integral part of their services.
Therefore, container vessels and car carriers are typically chartered more on a period basis and single voyage chartering is less common. As the
market has grown significantly over recent decades, we expect in the future to see more vessels chartered by logistics companies on a shorter
term basis, particularly smaller vessels.

One of our jack-up drilling rigs, our ultra-deepwater drilling units and our offshore support vessels are chartered out on long-term charters to
contractors.  Jack-up  drilling  rigs,  ultra-deepwater  drilling  units  and  offshore  support  vessels  are  normally  chartered  by  oil  companies  on  a
shorter-term basis linked to area-specific well drilling or oil exploration activities, but there have also been longer period charters available when
oil  companies  want  to  cover  their  longer  term  requirements  for  such  vessels.  Offshore  support  vessels  and  ultra-deepwater  semi-submersible
drilling  rigs  are  self-propelled,  and  can  therefore  easily  move  between  geographic  areas.  Jack-up  drilling  rigs  are  not  self-propelled,  but  it  is
common  to  move  these  assets  over  long  distances  on  heavy-lift  vessels.  Therefore,  the  markets  and  competition  for  these  rigs  are  effectively
world-wide.

Competition  for  charters  in  all  the  above  sectors  is  intense  and  is  based  upon  price,  location,  size,  age,  condition  and  acceptability  of  the
vessel/rig and its manager. Competition is also affected by the availability of other size vessels/rigs to compete in the trades in which we engage.
Most of our existing vessels are chartered at fixed rates on a long-term basis and are thus not directly affected by competition in the short-term.
However,  tankers  chartered  to  Frontline  Shipping,  dry  bulk  carriers  chartered  to  the  Golden  Ocean  Charterer  and  our  five  offshore  support
vessels  chartered  to  the  Solstad  Charterer  are  subject  to  profit  sharing  agreements,  which  will  be  affected  by  competition  experienced  by  the
charterers.

Environmental and Other Regulations in the Shipping Industry

Government regulation and laws significantly affect the ownership and operation of our fleet. We are subject to international conventions and
treaties,  national,  state  and  local  laws  and  regulations  in  force  in  the  countries  in  which  our  vessels  may  operate  or  are  registered  relating  to
safety  and  health  and  environmental  protection  including  the  storage,  handling,  emission,  transportation  and  discharge  of  hazardous  and  non-
hazardous materials, and the remediation of contamination and liability for damage to natural resources. Compliance with such laws, regulations
and other requirements entails significant expense, including vessel modifications and implementation of certain operating procedures.

A variety of government and private entities subject our vessels to both scheduled and unscheduled inspections. These entities include the local
port  authorities  (applicable  national  authorities  such  as  the  United  States  Coast  Guard  (“USCG”),  harbor  master  or  equivalent),  classification
societies, flag state administrations (countries of registry) and charterers, particularly terminal operators. Certain of these entities require us to
obtain permits, licenses, certificates and other authorizations for the operation of our vessels. Failure to maintain necessary permits or approvals
could require us to incur substantial costs or result in the temporary suspension of the operation of one or more of our vessels.

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Increasing  environmental  concerns  have  created  a  demand  for  vessels  that  conform  to  stricter  environmental  standards.  We  are  required  to
maintain operating standards for all of our vessels that emphasize operational safety, quality maintenance, continuous training of our officers and
crews and compliance with United States and international regulations. We believe that the operation of our vessels is in substantial compliance
with applicable environmental laws and regulations and that our vessels have all material permits, licenses, certificates or other authorizations
necessary for the conduct of our operations. However, because such laws and regulations frequently change and may impose increasingly stricter
requirements, we cannot predict the ultimate cost of complying with these requirements, or the impact of these requirements on the resale value
or useful lives of our vessels. In addition, a future serious marine incident that causes significant adverse environmental impact could result in
additional legislation or regulation that could negatively affect our profitability.

Flag State

The flag state, as defined by the United Nations Convention on the Law of the Sea, is responsible for implementing and enforcing a broad range
of international maritime regulations with respect to all ships granted the right to fly its flag. The "Shipping Industry Guidelines on Flag State
Performance"  evaluates  flag  states  based  on  factors  such  as  ratification,  implementation  and  enforcement  of  principal  international  maritime
treaties, supervision of surveys, compliance with International Labour Organization reporting, and participation at IMO meetings. Our vessels are
flagged in Liberia, the Bahamas, Cyprus, Malta, the Marshall Islands, Panama, Hong Kong, Portugal and Norway.

International Maritime Organization

The International Maritime Organization, the United Nations agency for maritime safety and the prevention of pollution by vessels (the “IMO”),
has adopted the International Convention for the Prevention of Pollution from Ships, 1973, as modified by the Protocol of 1978 relating thereto,
collectively referred to as MARPOL 73/78 and herein as “MARPOL,” adopted the International Convention for the Safety of Life at Sea of 1974
(“SOLAS Convention”), and the International Convention on Load Lines of 1966 (the “LL Convention”). MARPOL establishes environmental
standards  relating  to  oil  leakage  or  spilling,  garbage  management,  sewage,  air  emissions,  handling  and  disposal  of  noxious  liquids  and  the
handling of harmful substances in packaged forms. MARPOL  is  applicable  to  drybulk,  tanker  and  LNG  carriers,  among  other  vessels,  and  is
broken into six Annexes, each of which regulates a different source of pollution. Annex I relates to oil leakage or spilling; Annexes II and III
relate  to  harmful  substances  carried  in  bulk  in  liquid  or  in  packaged  form,  respectively;  Annexes  IV  and  V  relate  to  sewage  and  garbage
management, respectively; and Annex VI, lastly, relates to air emissions. Annex VI was separately adopted by the IMO in September of 1997.

In 2012, the IMO’s Marine Environmental Protection Committee, or the “MEPC,” adopted a resolution amending the International Code for the
Construction  and  Equipment  of  Ships  Carrying  Dangerous  Chemicals  in  Bulk,  or  the  “IBC  Code.”  The  provisions  of  the  IBC  Code  are
mandatory  under  MARPOL  and  the  SOLAS  Convention.  These  amendments,  which  entered  into  force  in  June  2014,  pertain  to  revised
international certificates of fitness for the carriage of dangerous chemicals in bulk and identifying new products that fall under the IBC Code. We
may need to make certain financial expenditures to comply with these amendments.

In  2013,  the  IMO's  MEPC  adopted  a  resolution  amending  MARPOL  Annex  I  Condition  Assessment  Scheme,  or  “CAS.”  These  amendments
became  effective  on  October  1,  2014,  and  require  compliance  with  the  2011  International  Code  on  the  Enhanced  Programme  of  Inspections
during  Surveys  of  Bulk  Carriers  and  Oil  Tankers,  or  “ESP  Code,”  which  provides  for  enhanced  inspection  programs.  We  may  need  to  make
certain financial expenditures to comply with these amendments.

Air Emissions

In September of 1997, the IMO adopted Annex VI to MARPOL to address air pollution from vessels. Effective May 2005, Annex VI sets limits
on  sulfur  oxide  and  nitrogen  oxide  emissions  from  all  commercial  vessel  exhausts  and  prohibits  “deliberate  emissions”  of  ozone  depleting
substances  (such  as  halons  and  chlorofluorocarbons),  emissions  of  volatile  compounds  from  cargo  tanks,  and  the  shipboard  incineration  of
specific substances. Annex VI also includes a global cap on the sulfur content of fuel oil and allows for special areas to be established with more
stringent controls on sulfur emissions, as explained below. Emissions of “volatile organic compounds” from certain vessels, and the shipboard
incineration  (from  incinerators  installed  after  January  1,  2000)  of  certain  substances  (such  as  polychlorinated  biphenyls,  or  PCBs)  are  also
prohibited. We believe that all our vessels are currently compliant in all material respects with these regulations.

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The  MEPC  adopted  amendments  to  Annex  VI  regarding  emissions  of  sulfur  oxide,  nitrogen  oxide,  particulate  matter  and  ozone  depleting
substances,  which  entered  into  force  on  July  1,  2010.  The  amended  Annex  VI  seeks  to  further  reduce  air  pollution  by,  among  other  things,
implementing a progressive reduction of the amount of sulfur contained in any fuel oil used on board ships. On October 27, 2016, at its 70th
session, the MEPC agreed to implement a global 0.5% m/m sulfur oxide emissions limit (reduced from 3.50%) starting from January 1, 2020.
This  limitation  can  be  met  by  using  low-sulfur  compliant  fuel  oil,  alternative  fuels,  or  certain  exhaust  gas  cleaning  systems.  Once  the  cap
becomes effective, ships will be required to obtain bunker delivery notes and International Air Pollution Prevention (“IAPP”) Certificates from
their flag states that specify sulfur content. Additionally, at MEPC 73, amendments to Annex VI to prohibit the carriage of bunkers above 0.5%
sulfur on ships were adopted and will take effect March 1, 2020. These regulations subject ocean-going vessels to stringent emissions controls,
and may cause us to incur substantial costs.

Sulfur content standards are even stricter within certain “Emission Control Areas,” or (“ECAs”). As of January 1, 2015, ships operating within an
ECA were not permitted to use fuel with sulfur content in excess of 0.1%. Amended Annex VI establishes procedures for designating new ECAs.
Currently,  the  IMO  has  designated  four  ECAs,  including  specified  portions  of  the  Baltic  Sea  area,  North  Sea  area,  North  American  area  and
United  States  Caribbean  area.  Ocean-going  vessels  in  these  areas  will  be  subject  to  stringent  emission  controls  and  may  cause  us  to  incur
additional costs. Areas in China are subject to local regulations that impose stricter emission controls. If other ECAs are approved by the IMO, or
other new or more stringent requirements relating to emissions from marine diesel engines or port operations by vessels are adopted by the U.S
Environmental  Protection  Agency  (“EPA”)  or  the  states  where  we  operate,  compliance  with  these  regulations  could  entail  significant  capital
expenditures or otherwise increase the costs of our operations.

Amended Annex VI also establishes new tiers of stringent nitrogen oxide emissions standards for marine diesel engines, depending on their date
of installation. At the MEPC meeting held from March to April 2014, amendments to Annex VI were adopted which address the date on which
Tier III Nitrogen Oxide ("NOx") standards in ECAs will go into effect. Under the amendments, Tier III NOx standards apply to ships that operate
in the North American and U.S. Caribbean Sea ECAs designed for the control of NOx produced by vessels with a marine diesel engine installed
and constructed on or after January 1, 2016. Tier III requirements could apply to areas that will be designated for Tier III NOx in the future. At
MEPC 70 and MEPC 71, the MEPC approved the North Sea and Baltic Sea as ECAs for nitrogen oxide for ships built after January 1, 2021. The
EPA promulgated equivalent (and in some senses stricter) emissions standards in late 2009. As a result of these designations or similar future
designations, we may be required to incur additional operating or other costs.

As determined at the MEPC 70, the new Regulation 22A of MARPOL Annex VI became effective as of March 1, 2018 and requires ships above
5,000  gross  tonnage  to  collect  and  report  annual  data  on  fuel  oil  consumption  to  an  IMO  database,  with  the  first  year  of  data  collection
commencing on January 1, 2019. The IMO intends to use such data as the first step in its roadmap (through 2023) for developing its strategy to
reduce greenhouse gas emissions from ships, as discussed further below.

As of January 1, 2013, MARPOL made mandatory certain measures relating to energy efficiency for ships. All ships are now required to develop
and implement Ship Energy Efficiency Management Plans (“SEEMPS”), and new ships must be designed in compliance with minimum energy
efficiency levels per capacity mile as defined by the Energy Efficiency Design Index (“EEDI”). Under these measures, by 2025, all new ships
built will be 30% more energy efficient than those built in 2014.

We  may  incur  costs  to  comply  with  these  revised  standards.  Additional  or  new  conventions,  laws  and  regulations  may  be  adopted  that  could
require  the  installation  of  expensive  emission  control  systems  and  could  adversely  affect  our  business,  results  of  operations,  cash  flows  and
financial condition.

Safety Management System Requirements

The SOLAS Convention was amended to address the safe manning of vessels and emergency training drills.  The Convention of Limitation of
Liability for Maritime Claims (the “LLMC”) sets limitations of liability for a loss of life or personal injury claim or a property claim against ship
owners. We believe that our vessels are in substantial compliance with SOLAS and LLMC standards.

Under Chapter IX of the SOLAS Convention, or the International Safety Management Code for the Safe Operation of Ships and for Pollution
Prevention (the “ISM Code”), our operations are also subject to environmental standards and requirements. The ISM Code requires the party
with operational control of a vessel to develop an extensive safety management system that includes, among other things, the adoption of a safety
and  environmental  protection  policy  setting  forth  instructions  and  procedures  for  operating  its  vessels  safely  and  describing  procedures  for
responding  to  emergencies.  We  rely  upon  the  safety  management  system  that  we  and  our  technical  management  team  have  developed  for
compliance  with  the  ISM  Code.  The  failure  of  a  vessel  owner  or  bareboat  charterer  to  comply  with  the  ISM  Code  may  subject  such  party  to
increased liability, may decrease available insurance coverage for the affected vessels and may result in a denial of access to, or detention in,
certain ports.

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The  ISM  Code  requires  that  vessel  operators  obtain  a  safety  management  certificate  for  each  vessel  they  operate.  This  certificate  evidences
compliance  by  a  vessel’s  management  with  the  ISM  Code  requirements  for  a  safety  management  system.  No  vessel  can  obtain  a  safety
management certificate unless its manager has been awarded a document of compliance, issued by each flag state, under the ISM Code. We have
obtained applicable documents of compliance for our offices and safety management certificates for all of our vessels for which the certificates
are required by the IMO. The document of compliance and safety management certificate are renewed as required.

Regulation II-1/3-10 of the SOLAS Convention governs ship construction and stipulates that ships over 150 meters in length must have adequate
strength, integrity and stability to minimize risk of loss or pollution. Goal-based standards amendments in SOLAS regulation II-1/3-10 entered
into force in 2012, with July 1, 2016 set for application to new oil tankers and bulk carriers. The SOLAS Convention regulation II-1/3-10 on
goal-based ship construction standards for bulk carriers and oil tankers, which entered into force on January 1, 2012, requires that all oil tankers
and  bulk  carriers  of  150  meters  in  length  and  above,  for  which  the  building  contract  is  placed  on  or  after  July  1,  2016,  satisfy  applicable
structural requirements conforming to the functional requirements of the International Goal-based Ship Construction Standards for Bulk Carriers
and Oil Tankers (“GBS Standards”).

Amendments to the SOLAS Convention Chapter VII apply to vessels transporting dangerous goods and require those vessels be in compliance
with the International Maritime Dangerous Goods Code (“IMDG Code”). Effective January 1, 2018, the IMDG Code includes (1) updates to the
provisions for radioactive material, reflecting the latest provisions from the International Atomic Energy Agency, (2) new marking, packing and
classification requirements for dangerous goods, and (3) new mandatory training requirements.

The IMO has also adopted the International Convention on Standards of Training, Certification and Watchkeeping for Seafarers (“STCW”). As
of February 2017, all seafarers are required to meet the STCW standards and be in possession of a valid STCW certificate. Flag states that have
ratified SOLAS and STCW generally employ the classification societies, which have incorporated SOLAS and STCW requirements into their
class rules, to undertake surveys to confirm compliance.

Furthermore, recent action by the IMO’s Maritime Safety Committee and United States agencies indicate that cybersecurity regulations for the
maritime  industry  are  likely  to  be  further  developed  in  the  near  future  in  an  attempt  to  combat  cybersecurity  threats.  For  example,  cyber-risk
management systems must be incorporated by ship-owners and managers by 2021. This might cause companies to create additional procedures
for monitoring cybersecurity, which could require additional expenses and/or capital expenditures. The impact of such regulations is difficult to
predict at this time.

Pollution Control and Liability Requirements

The  IMO  has  negotiated  international  conventions  that  impose  liability  for  pollution  in  international  waters  and  the  territorial  waters  of  the
signatories to such conventions. For example, the IMO adopted an International Convention for the Control and Management of Ships’ Ballast
Water and Sediments (the “BWM Convention”) in 2004. The BWM Convention entered into force on September 9, 2017. The BWM Convention
requires ships to manage their ballast water to remove, render harmless, or avoid the uptake or discharge of new or invasive aquatic organisms
and  pathogens  within  ballast  water  and  sediments.  The  BWM  Convention’s  implementing  regulations  call  for  a  phased  introduction  of
mandatory  ballast  water  exchange  requirements,  to  be  replaced  in  time  with  mandatory  concentration  limits,  and  require  all  ships  to  carry  a
ballast water record book and an international ballast Water management certificate. 

On December 4, 2013, the IMO Assembly passed a resolution revising the application dates of BWM Convention so that the dates are triggered
by the entry into force date and not the dates originally in the BWM Convention. This, in effect, makes all vessels delivered before the entry into
force date “existing vessels” and allows for the installation of ballast water management systems on such vessels at the first International Oil
Pollution Prevention (“IOPP”) renewal survey following entry into force of the convention. The MEPC adopted updated guidelines for approval
of ballast water management systems (G8) at MEPC 70. At MEPC 71, the schedule regarding the BWM Convention’s implementation dates was
also discussed and amendments were introduced to extend the date existing vessels are subject to certain ballast water standards. Ships over 400
gross tons generally must comply with a “D-1 standard,” requiring the exchange of ballast water only in open seas and away from coastal waters.
The “D-2 standard” specifies the maximum amount of viable organisms allowed to be discharged, and compliance dates vary depending on the
IOPP  renewal  dates.  Depending  on  the  date  of  the  IOPP  renewal  survey,  existing  vessels  must  comply  with  the  D-2  standard  on  or  after
September  8,  2019.  For  most  ships,  compliance  with  the  D-2  standard  will  involve  installing  on-board  systems  to  treat  ballast  water  and
eliminate unwanted organisms. Ballast Water Management systems, which include systems that make use of chemical, biocides, organisms or
biological mechanisms, or which alter the chemical or physical characteristics of the Ballast Water, must be approved in accordance with IMO
Guidelines (Regulation D-3). Costs of compliance with these regulations may be substantial.

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Once mid-ocean ballast water treatment requirements become mandatory under the BWM Convention, the cost of compliance could increase for
ocean carriers and may have a material effect on our operations. However, many countries already regulate the discharge of ballast water carried
by  vessels  from  country  to  country  to  prevent  the  introduction  of  invasive  and  harmful  species  via  such  discharges.  The  U.S.,  for  example,
requires vessels entering its waters from another country to conduct mid-ocean ballast exchange, or undertake some alternate measure, and to
comply with certain reporting requirements.

The IMO adopted the International Convention on Civil Liability for Oil Pollution Damage of 1969, as amended by different Protocols in 1976,
1984, and 1992, and amended in 2000 (“the CLC”). Under the CLC and depending on whether the country in which the damage results is a party
to  the  1992  Protocol  to  the  CLC,  a  vessel’s  registered  owner  may  be  strictly  liable  for  pollution  damage  caused  in  the  territorial  waters  of  a
contracting  state  by  discharge  of  persistent  oil,  subject  to  certain  exceptions.  The  1992  Protocol  changed  certain  limits  on  liability  expressed
using the International Monetary Fund currency unit, the Special Drawing Rights. The limits on liability have since been amended so that the
compensation limits on liability were raised. The right to limit liability is forfeited under the CLC where the spill is caused by the shipowner’s
actual fault and under the 1992 Protocol where the spill is caused by the shipowner’s intentional or reckless act or omission where the shipowner
knew pollution damage would probably result. The CLC requires ships over 2,000 tons covered by it to maintain insurance covering the liability
of the owner in a sum equivalent to an owner’s liability for a single incident. We have protection and indemnity insurance for environmental
incidents.  P&I  Clubs  in  the  International  Group  issue  the  required  Bunkers  Convention  “Blue  Cards”  to  enable  signatory  states  to  issue
certificates. All of our vessels are in possession of a CLC State issued certificate attesting that the required insurance coverage is in force.

The IMO also adopted the International Convention on Civil Liability for Bunker Oil Pollution Damage (the “Bunker Convention”) to impose
strict  liability  on  ship  owners  (including  the  registered  owner,  bareboat  charterer,  manager  or  operator)  for  pollution  damage  in  jurisdictional
waters of ratifying states caused by discharges of bunker fuel. The Bunker Convention requires registered owners of ships over 1,000 gross tons
to maintain insurance for pollution damage in an amount equal to the limits of liability under the applicable national or international limitation
regime  (but  not  exceeding  the  amount  calculated  in  accordance  with  the  LLMC).  With  respect  to  non-ratifying  states,  liability  for  spills  or
releases of oil carried as fuel in ship’s bunkers typically is determined by the national or other domestic laws in the jurisdiction where the events
or damages occur.

Ships  are  required  to  maintain  a  certificate  attesting  that  they  maintain  adequate  insurance  to  cover  an  incident.  In  jurisdictions,  such  as  the
United States where the CLC or the Bunker Convention has not been adopted, various legislative schemes or common law govern, and liability is
imposed either on the basis of fault or on a strict-liability basis.

Anti‑Fouling Requirements

In  2001,  the  IMO  adopted  the  International  Convention  on  the  Control  of  Harmful  Anti‑fouling  Systems  on  Ships,  or  the  “Anti‑fouling
Convention.” The Anti‑fouling Convention, which entered into force on September 17, 2008, prohibits the use of organotin compound coatings
to prevent the attachment of mollusks and other sea life to the hulls of vessels. Vessels of over 400 gross tons engaged in international voyages
will also be required to undergo an initial survey before the vessel is put into service or before an International Anti‑fouling System Certificate is
issued for the first time; and subsequent surveys when the anti‑fouling systems are altered or replaced. We have obtained Anti‑fouling System
Certificates for all of our vessels that are subject to the Anti‑fouling Convention.

Compliance Enforcement

Noncompliance with the ISM Code or other IMO regulations may subject the ship owner or bareboat charterer to increased liability, may lead to
decreases in available insurance coverage for affected vessels and may result in the denial of access to, or detention in, some ports. The USCG
and European Union authorities have indicated that vessels not in compliance with the ISM Code by applicable deadlines will be prohibited from
trading in U.S. and European Union ports, respectively. As of the date of this report, March 26, 2019, each of our vessels is ISM Code certified.
However,  there  can  be  no  assurance  that  such  certificates  will  be  maintained  in  the  future.  The  IMO  continues  to  review  and  introduce  new
regulations. It is impossible to predict what additional regulations, if any, may be passed by the IMO and what effect, if any, such regulations
might have on our operations.

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United States Regulations

The U.S. Oil Pollution Act of 1990 and the Comprehensive Environmental Response, Compensation and Liability Act

The  U.S.  Oil  Pollution  Act  of  1990  (“OPA”)  established  an  extensive  regulatory  and  liability  regime  for  the  protection  and  cleanup  of  the
environment from oil spills. OPA affects all “owners and operators” whose vessels trade or operate within the U.S., its territories and possessions
or whose vessels operate in U.S. waters, which includes the U.S.’s territorial sea and its 200 nautical mile exclusive economic zone around the
U.S. The U.S. has also enacted the Comprehensive Environmental Response, Compensation and Liability Act (“CERCLA”), which applies to the
discharge  of  hazardous  substances  other  than  oil,  except  in  limited  circumstances,  whether  on  land  or  at  sea.  OPA  and  CERCLA  both  define
“owner  and  operator”  in  the  case  of  a  vessel  as  any  person  owning,  operating  or  chartering  by  demise,  the  vessel.  Both  OPA  and  CERCLA
impact our operations.

Under OPA, vessel owners and operators are “responsible parties” and are jointly, severally and strictly liable (unless the spill results solely from
the  act  or  omission  of  a  third  party,  an  act  of  God  or  an  act  of  war)  for  all  containment  and  clean-up  costs  and  other  damages  arising  from
discharges or threatened discharges of oil from their vessels, including bunkers (fuel). OPA defines these other damages broadly to include:

(i)    injury to, destruction or loss of, or loss of use of, natural resources and related assessment costs;
(ii)    injury to, or economic losses resulting from, the destruction of real and personal property;
(iv)    loss of subsistence use of natural resources that are injured, destroyed or lost;
(iii)

net loss of taxes, royalties, rents, fees or net profit revenues resulting from injury, destruction or loss of real or personal property, or
natural resources;
lost profits or impairment of earning capacity due to injury, destruction or loss of real or personal property or natural resources; and
net cost of increased or additional public services necessitated by removal activities following a discharge of oil, such as protection from
fire, safety or health hazards, and loss of subsistence use of natural resources.

(v)
(vi)

OPA contains statutory caps on liability and damages; such caps do not apply to direct cleanup costs. Effective December 21, 2015, the USCG
adjusted the limits of OPA liability for a tank vessel, other than a single-hull tank vessel, over 3,000 gross tons liability to the greater of $2,200
per gross ton or $18,796,800 (subject to periodic adjustment for inflation). Effective December 21, 2015, the USCG adjusted the limits of OPA
liability for non-tank vessels, edible oil tank vessels, and any oil spill response vessels, to the greater of $1,100 per gross ton or $939,800 (subject
to periodic adjustment for inflation). These limits of liability do not apply if an incident was proximately caused by the violation of an applicable
U.S. federal safety, construction or operating regulation by a responsible party (or its agent, employee or a person acting pursuant to a contractual
relationship),  or  a  responsible  party's  gross  negligence  or  willful  misconduct.  The  limitation  on  liability  similarly  does  not  apply  if  the
responsible  party  fails  or  refuses  to  (i)  report  the  incident  where  the  responsible  party  knows  or  has  reason  to  know  of  the  incident;  (ii)
reasonably  cooperate  and  assist  as  requested  in  connection  with  oil  removal  activities;  or  (iii)  without  sufficient  cause,  comply  with  an  order
issued under the Federal Water Pollution Act (Section 311 (c), (e)) or the Intervention on the High Seas Act.

CERCLA contains a similar liability regime whereby owners and operators of vessels are liable for cleanup, removal and remedial costs, as well
as damages for injury to, or destruction or loss of, natural resources, including the reasonable costs associated with assessing the same, and health
assessments or health effects studies. There is no liability if the discharge of a hazardous substance results solely from the act or omission of a
third party, an act of God or an act of war. Liability under CERCLA is limited to the greater of $300 per gross ton or $5.0 million for vessels
carrying  a  hazardous  substance  as  cargo  and  the  greater  of  $300  per  gross  ton  or  $500,000  for  any  other  vessel.  These  limits  do  not  apply
(rendering the responsible person liable for the total cost of response and damages) if the release or threat of release of a hazardous substance
resulted from willful misconduct or negligence, or the primary cause of the release was a violation of applicable safety, construction or operating
standards  or  regulations.  The  limitation  on  liability  also  does  not  apply  if  the  responsible  person  fails  or  refused  to  provide  all  reasonable
cooperation and assistance as requested in connection with response activities where the vessel is subject to OPA.

OPA and CERCLA each preserve the right to recover damages under existing law, including maritime tort law. OPA and CERCLA both require
owners and operators of vessels to establish and maintain with the USCG evidence of financial responsibility sufficient to meet the maximum
amount  of  liability  to  which  the  particular  responsible  person  may  be  subject.  Vessel  owners  and  operators  may  satisfy  their  financial
responsibility obligations by providing a proof of insurance, a surety bond, qualification as a self-insurer or a guarantee. We comply and plan to
comply with the USCG’s financial responsibility regulations by providing applicable certificates of financial responsibility.

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The 2010 Deepwater Horizon oil spill in the Gulf of Mexico resulted in additional regulatory initiatives or statutes, including higher liability caps
under OPA, new regulations regarding offshore oil and gas drilling, and a pilot inspection program for offshore facilities. However, several of
these  initiatives  and  regulations  have  been  or  may  be  revised.  For  example,  the  U.S.  Bureau  of  Safety  and  Environmental  Enforcement’s
(“BSEE”)  revised  Production  Safety  Systems  Rule  (“PSSR”),  effective  December  27,  2018,  modified  and  relaxed  certain  environmental  and
safety  protections  under  the  2016  PSSR.  Additionally,  the  BSEE  released  proposed  changes  to  the  Well  Control  Rule,  which  could  roll  back
certain reforms regarding the safety of drilling operations, and the U.S. President proposed leasing new sections of U.S. waters to oil and gas
companies  for  offshore  drilling,  expanding  the  U.S.  waters  that  are  available  for  such  activity  over  the  next  five  years.  The  effects  of  these
proposals are currently unknown. Compliance with any new requirements of OPA and future legislation or regulations applicable to the operation
of our vessels could impact the cost of our operations and adversely affect our business.

OPA  specifically  permits  individual  states  to  impose  their  own  liability  regimes  with  regard  to  oil  pollution  incidents  occurring  within  their
boundaries, provided they accept, at a minimum, the levels of liability established under OPA and some states have enacted legislation providing
for unlimited liability for oil spills. Many U.S. states that border a navigable waterway have enacted environmental pollution laws that impose
strict liability on a person for removal costs and damages resulting from a discharge of oil or a release of a hazardous substance. These laws may
be  more  stringent  than  U.S.  federal  law.  Moreover,  some  states  have  enacted  legislation  providing  for  unlimited  liability  for  discharge  of
pollutants  within  their  waters,  although  in  some  cases,  states  which  have  enacted  this  type  of  legislation  have  not  yet  issued  implementing
regulations defining vessel owners’ responsibilities under these laws. The Company intends to comply with all applicable state regulations in the
ports where the Company’s vessels call.

We currently maintain pollution liability coverage insurance in the amount of $1 billion per incident for each of our vessels. If the damages from
a catastrophic spill were to exceed our insurance coverage, it could have an adverse effect on our business and results of operation.

Other United States Environmental Initiatives

The U.S. Clean Air Act of 1970 (including its amendments of 1977 and 1990) (“CAA”) requires the EPA to promulgate standards applicable to
emissions  of  volatile  organic  compounds  and  other  air  contaminants.  Our  vessels  are  subject  to  vapor  control  and  recovery  requirements  for
certain  cargoes  when  loading,  unloading,  ballasting,  cleaning  and  conducting  other  operations  in  regulated  port  areas.  The  CAA  also  requires
states to draft State Implementation Plans, or SIPs, designed to attain national health-based air quality standards in each state. Although state-
specific, SIPs may include regulations concerning emissions resulting from vessel loading and unloading operations by requiring the installation
of vapor control equipment. Our vessels operating in such regulated port areas with restricted cargoes are equipped with vapor recovery systems
that satisfy these existing requirements.

The  U.S.  Clean  Water  Act  (“CWA”)  prohibits  the  discharge  of  oil,  hazardous  substances  and  ballast  water  in  U.S.  navigable  waters  unless
authorized by a duly-issued permit or exemption, and imposes strict liability in the form of penalties for any unauthorized discharges. The CWA
also  imposes  substantial  liability  for  the  costs  of  removal,  remediation  and  damages  and  complements  the  remedies  available  under  OPA  and
CERCLA. In 2015, the EPA expanded the definition of “waters of the United States” (“WOTUS”), thereby expanding federal authority under the
CWA. Following litigation on the revised WOTUS rule, in December 2018, the EPA and Department of the Army proposed a revised, limited
definition of “waters of the United States.” The effect of this proposal on U.S. environmental regulations is still unknown.

The EPA and the USCG have also enacted rules relating to ballast water discharge, compliance with which requires the installation of equipment
on our vessels to treat ballast water before it is discharged or the implementation of other port facility disposal arrangements or procedures at
potentially substantial costs, and/or otherwise restrict our vessels from entering U.S. Waters. 

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The  EPA  will  regulate  these  ballast  water  discharges  and  other  discharges  incidental  to  the  normal  operation  of  certain  vessels  within  United
States waters pursuant to the Vessel Incidental Discharge Act (“VIDA”), which was signed into law on December 4, 2018 and will replace the
2013 Vessel General Permit (“VGP”) program (which authorizes discharges incidental to operations of commercial vessels and contains numeric
ballast  water  discharge  limits  for  most  vessels  to  reduce  the  risk  of  invasive  species  in  U.S.  waters,  stringent  requirements  for  exhaust  gas
scrubbers, and requirements for the use of environmentally acceptable lubricants) and current Coast Guard ballast water management regulations
adopted  under  the  U.S.  National  Invasive  Species  Act  (“NISA”),  such  as  mid-ocean  ballast  exchange  programs  and  installation  of  approved
USCG  technology  for  all  vessels  equipped  with  ballast  water  tanks  bound  for  U.S.  ports  or  entering  U.S.  waters.  VIDA  establishes  a  new
framework for the regulation of vessel incidental discharges under Clean Water Act (CWA), requires the EPA to develop performance standards
for those discharges within two years of enactment, and requires the U.S. Coast Guard to develop implementation, compliance, and enforcement
regulations within two years of EPA’s promulgation of standards.  Under VIDA, all provisions of the 2013 VGP and USCG regulations regarding
ballast water treatment remain in force and effect until the EPA and U.S. Coast Guard regulations are finalized.  Non-military, non-recreational
vessels  greater  than  79  feet  in  length  must  continue  to  comply  with  the  requirements  of  the  VGP,  including  submission  of  a  Notice  of  Intent
(“NOI”) or retention of a PARI form and submission of annual reports. We have submitted NOIs for our vessels where required. Compliance
with the EPA, U.S. Coast Guard and state regulations could require the installation of ballast water treatment equipment on our vessels or the
implementation of other port facility disposal procedures at potentially substantial cost, or may otherwise restrict our vessels from entering U.S.
waters.

European Union Regulations

In October 2009, the European Union amended a directive to impose criminal sanctions for illicit ship-source discharges of polluting substances,
including minor discharges, if committed with intent, recklessly or with serious negligence and the discharges individually or in the aggregate
result in deterioration of the quality of water. Aiding and abetting the discharge of a polluting substance may also lead to criminal penalties. The
directive applies to all types of vessels, irrespective of their flag, but certain exceptions apply to warships or where human safety or that of the
ship is in danger. Criminal liability for pollution may result in substantial penalties or fines and increased civil liability claims. Regulation (EU)
2015/757  of  the  European  Parliament  and  of  the  Council  of  29  April  2015  (amending  EU  Directive  2009/16/EC)  governs  the  monitoring,
reporting and verification of carbon dioxide emissions from maritime transport, and, subject to some exclusions, requires companies with ships
over  5,000  gross  tonnage  to  monitor  and  report  carbon  dioxide  emissions  annually  starting  on  January  1,  2018,  which  may  cause  us  to  incur
additional expenses.

The European Union has adopted several regulations and directives requiring, among other things, more frequent inspections of high-risk ships,
as determined by type, age, and flag as well as the number of times the ship has been detained. The European Union also adopted and extended a
ban  on  substandard  ships  and  enacted  a  minimum  ban  period  and  a  definitive  ban  for  repeated  offenses.  The  regulation  also  provided  the
European Union with greater authority and control over classification societies, by imposing more requirements on classification societies and
providing  for  fines  or  penalty  payments  for  organizations  that  failed  to  comply.  Furthermore,  the  EU  has  implemented  regulations  requiring
vessels to use reduced sulfur content fuel for their main and auxiliary engines. The EU Directive 2005/33/EC (amending Directive 1999/32/EC)
introduced  requirements  parallel  to  those  in  Annex  VI  relating  to  the  sulfur  content  of  marine  fuels.  In  addition,  the  EU  imposed  a  0.1%
maximum sulfur requirement for fuel used by ships at berth in EU ports.

Greenhouse Gas Regulation

Currently, the emissions of greenhouse gases from international shipping are not subject to the Kyoto Protocol to the United Nations Framework
Convention on Climate Change, which entered into force in 2005 and pursuant to which adopting countries have been required to implement
national programs to reduce greenhouse gas emissions with targets extended through 2020. International negotiations are continuing with respect
to a successor to the Kyoto Protocol, and restrictions on shipping emissions may be included in any new treaty. In December 2009, more than 27
nations,  including  the  U.S.  and  China,  signed  the  Copenhagen  Accord,  which  includes  a  non-binding  commitment  to  reduce  greenhouse  gas
emissions. The 2015 United Nations Climate Change Conference in Paris resulted in the Paris Agreement, which entered into force on November
4, 2016 and does not directly limit greenhouse gas emissions from ships. On June 1, 2017, the U.S. President announced that the United States
intends to withdraw from the Paris Agreement. The timing and effect of such action has yet to be determined, but the Paris Agreement provides
for a four-year exit process.

At MEPC 70 and MEPC 71, a draft outline of the structure of the initial strategy for developing a comprehensive IMO strategy on reduction of
greenhouse gas emissions from ships was approved. In accordance with this roadmap, in April 2018, nations at the MEPC 72 adopted an initial
strategy to reduce greenhouse gas emissions from ships. The initial strategy identifies “levels of ambition” to reducing greenhouse gas emissions,
including (1) decreasing the carbon intensity from ships through implementation

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of  further  phases  of  the  EEDI  for  new  ships;  (2)  reducing  carbon  dioxide  emissions  per  transport  work,  as  an  average  across  international
shipping, by at least 40% by 2030, pursuing efforts towards 70% by 2050, compared to 2008 emission levels; and (3) reducing the total annual
greenhouse emissions by at least 50% by 2050 compared to 2008 while pursuing efforts towards phasing them out entirely. The initial strategy
notes  that  technological  innovation,  alternative  fuels  and/or  energy  sources  for  international  shipping  will  be  integral  to  achieve  the  overall
ambition. These regulations could cause us to incur additional substantial expenses.

The EU made a unilateral commitment to reduce overall greenhouse gas emissions from its member states from 20% of 1990 levels by 2020. The
EU also committed to reduce its emissions by 20% under the Kyoto Protocol’s second period from 2013 to 2020. Starting in January 2018, large
ships calling at EU ports are required to collect and publish data on carbon dioxide emissions and other information.

In  the  United  States,  the  EPA  issued  a  finding  that  greenhouse  gases  endanger  the  public  health  and  safety,  adopted  regulations  to  limit
greenhouse gas emissions from certain mobile sources, and proposed regulations to limit greenhouse gas emissions from large stationary sources.
However, in March 2017, the U.S. President signed an executive order to review and possibly eliminate the EPA’s plan to cut greenhouse gas
emissions. The EPA or individual U.S. states could enact environmental regulations that would affect our operations.

Any passage of climate control legislation or other regulatory initiatives by the IMO, the EU, the U.S. or other countries where we operate, or
any treaty adopted at the international level to succeed the Kyoto Protocol or Paris Agreement, that restricts emissions of greenhouse gases could
require us to make significant financial expenditures which we cannot predict with certainty at this time. Even in the absence of climate control
legislation, our business may be indirectly affected to the extent that climate change may result in sea level changes or certain weather events.

International Labour Organization

The International Labour Organization (the “ILO”) is a specialized agency of the UN that has adopted the Maritime Labour Convention 2006
(“MLC  2006”).  A  Maritime  Labour  Certificate  and  a  Declaration  of  Maritime  Labour  Compliance  is  required  to  ensure  compliance  with  the
MLC 2006 for all ships above 500 gross tons in international trade. We believe that all our vessels are in substantial compliance with and are
certified to meet MLC 2006.

Vessel Security Regulations

Since the terrorist attacks of September 11, 2001 in the United States, there have been a variety of initiatives intended to enhance vessel security
such  as  the  U.S.  Maritime  Transportation  Security  Act  of  2002  (“MTSA”).  To  implement  certain  portions  of  the  MTSA,  the  USCG  issued
regulations  requiring  the  implementation  of  certain  security  requirements  aboard  vessels  operating  in  waters  subject  to  the  jurisdiction  of  the
United States and at certain ports and facilities, some of which are regulated by the EPA.

Similarly,  Chapter  XI-2  of  the  SOLAS  Convention  imposes  detailed  security  obligations  on  vessels  and  port  authorities  and  mandates
compliance with the International Ship and Port Facilities Security Code (“the ISPS Code”). The ISPS Code is designed to enhance the security
of  ports  and  ships  against  terrorism.  To  trade  internationally,  a  vessel  must  attain  an  International  Ship  Security  Certificate  (“ISSC”)  from  a
recognized security organization approved by the vessel’s flag state. Ships operating without a valid certificate may be detained, expelled from,
or refused entry at port until they obtain an ISSC. The various requirements, some of which are found in the SOLAS Convention, include, for
example:

•

•

•

•

•

•

on-board  installation  of  automatic  identification  systems  to  provide  a  means  for  the  automatic  transmission  of  safety-related  information
from among similarly equipped ships and shore stations, including information on a ship’s identity, position, course, speed and navigational
status;

on-board installation of ship security alert systems, which do not sound on the vessel but only alert the authorities on shore;

the development of vessel security plans;

ship identification number to be permanently marked on a vessel’s hull;

a continuous synopsis record kept onboard showing a vessel's history including the name of the ship, the state whose flag the ship is entitled
to fly, the date on which the ship was registered with that state, the ship's identification number, the port at which the ship is registered and
the name of the registered owner(s) and their registered address; and

compliance with flag state security certification requirements.

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The USCG regulations, intended to align with international maritime security standards, exempt non-U.S. vessels from MTSA vessel security
measures,  provided  such  vessels  have  on  board  a  valid  ISSC  that  attests  to  the  vessel’s  compliance  with  the  SOLAS  Convention  security
requirements and the ISPS Code. Future security measures could have a significant financial impact on us. We intend to comply with the various
security measures addressed by MTSA, the SOLAS Convention and the ISPS Code.

The cost of vessel security measures has also been affected by the escalation in the frequency of acts of piracy against ships, notably off the coast
of Somalia, including the Gulf of Aden and Arabian Sea area. Substantial loss of revenue and other costs may be incurred as a result of detention
of a vessel or additional security measures, and the risk of uninsured losses could significantly affect our business. Costs are incurred in taking
additional  security  measures  in  accordance  with  Best  Management  Practices  to  Deter  Piracy,  notably  those  contained  in  the  BMP4  industry
standard.

Offshore Drilling Regulations

Our offshore drilling units are subject to many of the above environmental laws and regulations relating to vessels, but are also subject to laws
and regulations focused on offshore drilling operations. We may incur costs to comply with these revised standards.

Rigs  must  comply  with  applicable  MARPOL  limits  on  sulfur  oxide  and  nitrogen  oxide  emissions,  chlorofluorocarbons,  and  the  discharge  of
other  air  pollutants,  and  also  with  the  Bunker  Convention's  strict  liability  for  pollution  damage  caused  by  discharges  of  bunker  fuel  in
jurisdictional  waters  of  ratifying  states.  We  believe  that  all  of  our  drilling  units  are  currently  compliant  in  all  material  respects  with  these
regulations.

Furthermore,  any  drilling  units  that  we  may  operate  in  U.S.  waters,  including  the  U.S.  territorial  sea  and  the  200  nautical  mile  exclusive
economic  zone  around  the  United  States,  would  have  to  comply  with  OPA  and  CERCLA  requirements,  among  others,  that  impose  liability
(unless the spill results solely from the act or omission of a third party, an act of God or an act of war) for all containment and clean-up costs and
other damages arising from discharges of oil or other hazardous substances.

The U.S. Bureau of Ocean Energy Management, or BOEM, periodically issues guidelines for rig fitness requirements in the Gulf of Mexico and
may take other steps that could increase the cost of operations or reduce the area of operations for our units, thus reducing their marketability.
Implementation of BOEM guidelines or regulations may subject us to increased costs or limit the operational capabilities of our units, and could
materially and adversely affect our operations and financial condition.

In  addition  to  the  MARPOL,  OPA  and  CERCLA  requirements  described  above,  our  international  offshore  drilling  operations  are  subject  to
various  laws  and  regulations  in  countries  in  which  we  operate,  including  laws  and  regulations  relating  to  the  importation  of  and  operation  of
drilling units and equipment, currency conversions and repatriation, oil and gas exploration and development, environmental protection, taxation
of  offshore  earnings  and  earnings  of  expatriate  personnel,  the  use  of  local  employees  and  suppliers  by  foreign  contractors,  and  duties  on  the
importation and exportation of drilling units and other equipment. New environmental or safety laws and regulations could be enacted, which
could  adversely  affect  our  ability  to  operate  in  certain  jurisdictions.  Governments  in  some  countries  have  become  increasingly  active  in
regulating and controlling the ownership of concessions and companies holding concessions, the exploration for oil and gas, and other aspects of
the  oil  and  gas  industries  in  their  countries.  In  some  areas  of  the  world,  this  governmental  activity  has  adversely  affected  the  amount  of
exploration and development work done by major oil and gas companies and may continue to do so. For example, on December 20, 2016, the
U.S. President invoked a law that banned offshore oil and gas drilling in large areas of the Arctic and the Atlantic Seaboard. However, a recent
executive order has called for review of that legislation, and it is unclear whether drilling will soon be permitted in those areas. The government
of Canada simultaneously banned new drilling in Canadian Arctic waters. Operations in less developed countries can be subject to legal systems
that are not as mature or predictable as those in more developed countries, which can lead to greater uncertainty in legal matters and proceedings.
Implementation of new environmental laws or regulations that may apply to ultra-deepwater drilling units may subject us to increased costs or
limit the operational capabilities of our drilling units and could materially and adversely affect our operations and financial condition.

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Inspection by Classification Societies

The  hull  and  machinery  of  every  commercial  vessel  must  be  classed  by  a  classification  society  authorized  by  its  country  of  registry.  The
classification society certifies that a vessel is safe and seaworthy in accordance with the applicable rules and regulations of the country of registry
of  the  vessel  and  SOLAS.  Most  insurance  underwriters  make  it  a  condition  for  insurance  coverage  and  lending  that  a  vessel  be  certified  “in
class” by a classification society which is a member of the International Association of Classification Societies, the IACS. The IACS has adopted
harmonized Common Structural Rules, or the Rules, which apply to oil tankers and bulk carriers constructed on or after July 1, 2015. The Rules
attempt  to  create  a  level  of  consistency  between  IACS  Societies.  All  of  our  vessels  are  certified  as  being  “in  class”  by  all  the  applicable
Classification Societies (e.g., American Bureau of Shipping, Lloyd's Register of Shipping).

A vessel must undergo annual surveys, intermediate surveys, drydockings and special surveys. In lieu of a special survey, a vessel’s machinery
may be on a continuous survey cycle, under which the machinery would be surveyed periodically over a five-year period. Every vessel is also
required to be drydocked every 30 to 36 months for inspection of the underwater parts of the vessel. If any vessel does not maintain its class
and/or fails any annual survey, intermediate survey, drydocking or special survey, the vessel will be unable to carry cargo between ports and will
be unemployable and uninsurable which could cause us to be in violation of certain covenants in our loan agreements. Any such inability to carry
cargo  or  be  employed,  or  any  such  violation  of  covenants,  could  have  a  material  adverse  impact  on  our  financial  condition  and  results  of
operations.

100% Container Screening

On August 3, 2007, the United States signed into law the Implementing Recommendations of the 9/11 Commission Act of 2007 (or the 9/11
Commission Act). The 9/11 Commission Act amends the SAFE Port Act of 2006 to require that all containers being loaded at foreign ports onto
vessels destined for the United States be scanned by nonintrusive imaging equipment and radiation detection equipment before loading.

As a result of the 100% scanning requirements added to the SAFE Port Act of 2006, ports that ship to the United States may need to install new
x-ray machines and make infrastructure changes in order to accommodate the screening requirements. Such implementation requirements may
change which ports are able to ship to the United States and shipping companies may incur significant increased costs. It is impossible to predict
how this requirement will affect the industry as a whole, but changes and additional costs can be reasonably expected.

Risk of Loss and Liability Insurance

General

The operation of any cargo vessel includes risks such as mechanical failure, physical damage, collision, property loss, cargo loss or damage and
business interruption due to political circumstances in foreign countries, piracy incidents, hostilities and labor strikes. In addition, there is always
an  inherent  possibility  of  marine  disaster,  including  oil  spills  and  other  environmental  mishaps,  and  the  liabilities  arising  from  owning  and
operating vessels in international trade. OPA, which imposes virtually unlimited liability upon shipowners, operators and bareboat charterers of
any vessel trading in the exclusive economic zone of the United States for certain oil pollution accidents in the United States, has made liability
insurance more expensive for shipowners and operators trading in the United States market. We carry insurance coverage as customary in the
shipping industry. However, not all risks can be insured, specific claims may be rejected, and we might not be always able to obtain adequate
insurance coverage at reasonable rates.

Hull and Machinery Insurance

We procure hull and machinery insurance, protection and indemnity insurance, which includes environmental damage and pollution insurance
and war risk insurance and freight, demurrage and defense insurance for our fleet. We generally do not maintain insurance against loss of hire
(except for certain charters for which we consider it appropriate), which covers business interruptions that result in the loss of use of a vessel.

Protection and Indemnity Insurance

The  insurance  of  our  vessels  which  are  chartered  on  a  bareboat  basis  or  on  a  time  charter  basis  to  Frontline  Shipping  and  the  Golden  Ocean
Charterer  is  the  responsibility  of  the  bareboat  charterers,  Frontline  Management  or  Golden  Ocean  Management,  respectively,  who  arrange
insurance in line with standard industry practice. We are responsible for the insurance of our other time chartered and voyage chartered vessels.
In accordance with standard practice, we maintain marine hull and machinery and war

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risks  insurance,  which  include  the  risk  of  actual  or  constructive  total  loss,  and  protection  and  indemnity  insurance  with  mutual  assurance
associations. From time to time we carry insurance covering the loss of hire resulting from marine casualties in respect of some of our vessels.
Currently,  the  amount  of  coverage  for  liability  for  pollution,  spillage  and  leakage  available  to  us  on  commercially  reasonable  terms  through
protection and indemnity associations and providers of excess coverage is up to $1 billion per vessel per occurrence. Protection and indemnity
associations are mutual marine indemnity associations formed by shipowners to provide protection from large financial loss to one member by
contribution towards that loss by all members.

We believe that our current insurance coverage is adequate to protect us against the accident-related risks involved in the conduct of our business
and that we maintain appropriate levels of environmental damage and pollution insurance coverage, consistent with standard industry practice.
However, there is no assurance that all risks are adequately insured against, that any particular claims will be paid, or that we will be able to
procure adequate insurance coverage at commercially reasonable rates in the future.

Seasonality

A large part of our vessels are chartered at fixed rates on a long-term basis and seasonal factors do not have a significant direct effect on our
business. Our tankers on charter to Frontline Shipping, our dry bulk carriers on charter to the Golden Ocean Charterer and our offshore supply
vessels on charter to the Solstad Charterer are subject to profit sharing agreements and to the extent that seasonal factors affect the profits of the
charterers of these vessels we will also be affected. We also have nine dry bulk carriers, two Suezmax tankers and two car carriers trading in the
spot or short term time charter market, and the effects of seasonality may affect the earnings of these vessels.

C. ORGANIZATIONAL STRUCTURE

See Exhibit 8.1 for a list of our significant subsidiaries.

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D. PROPERTY, PLANTS AND EQUIPMENT

We own a substantially modern fleet of vessels. The following table sets forth the fleet that we own or charter-in as of March 26, 2019. All of the
VLCCs, Suezmax tankers, product tankers and chemical tankers are double-hull vessels.

Vessel

VLCCs

Front Hakata

Front Energy

Front Force

Suezmaxes

Glorycrown

Everbright

Capesize Dry Bulk Carriers

Belgravia

Battersea

Golden Magnum

Golden Beijing

Golden Future

Golden Zhejiang

Golden Zhoushan

KSL China

Kamsarmax Dry Bulk Carriers

Sinochart Beijing

Min Sheng 1

Handysize Dry Bulk Carriers

SFL Spey

SFL Medway

SFL Trent

SFL Kent

SFL Tyne

SFL Clyde

SFL Dee

Product Tankers

SFL Trinity

SFL Sabine

Chemical Tankers

Maria Victoria V

SC Guangzhou

Approximate

Lease

  Charter Termination

Built

Dwt.

Flag

Classification

Date

2002

2004

2004

2009

2010

2009

2009

2009

2010

2010

2010

2011

2013

2012

2012

2011

2011

2012

2012

2012

2012

2013

2017

2017

2008

2008

298,500   
305,000   
305,000   

156,000   
156,000   

170,000   
170,000   
180,000   
176,000   
176,000   
176,000   
176,000   
180,000   

82,000   
82,000   

34,000   
34,000   
34,000   
34,000   
32,000   
32,000   
32,000   

114,000   
114,000   

BA

MI

MI

MI

MI

MI

MI

HK

HK

HK

HK

HK

MI

HK

HK

HK

HK

HK

HK

HK

HK

HK

MI

MI

17,000   
17,000   

PAN

PAN

39

  Direct Financing

  Direct Financing

  Direct Financing

n/a

n/a

Operating

Operating

Operating

Operating

Operating

Operating

Operating

Operating

Operating

Operating

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Operating

Operating

Operating

Operating

2025  

2027  

2027  

n/a (4)
n/a (4)

2025 (1)
2025 (1)
2025 (1)
2025 (1)
2025 (1)
2025 (1)
2025 (1)
2025 (1)

2022  

2022  

n/a (4)
n/a (4)
n/a (4)
n/a (4)
n/a (4)
n/a (4)
n/a (4)

2024  

2024  

2021 (1)
2021 (1)

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Container vessels

MSC Margarita

MSC Vidhi

MSC Vaishnavi R.

MSC Julia R.

MSC Arushi R.

MSC Katya R.

MSC Anisha R.

MSC Vidisha R.

MSC Zlata R.

MSC Alice

Heung-A Green

Green Ace

San Felipe

San Felix

San Fernando

San Francisca

Maersk Sarat

Maersk Skarstind

Maersk Shivling

MSC Anna

MSC Viviana

MSC Alabama

MSC Alyssa

MSC Belle

MSC Caitlin

MSC Edith

MSC Erminia

MSC Giannina

MSC Himanshi

MSC Japan

MSC Jemima

MSC Korea

MSC Mandy

MSC Nilgun

MSC Rossella

MSC Santhya

Thalassa Axia

Thalassa Doxa

Thalassa Mana

Thalassa Tyhi

Cap San Vincent

Cap San Lazaro

Cap San Juan

MSC Erica

MSC Reef

2001

2002

2002

2002

2002

2002

2002

2002

2002

2003

2005

2005

2014

2014

2015

2015

2015

2016

2016

2016

2017

1996

2001

1998

1998

1998

1993

1997

1997

1996

1994

1996

1993

1994

1993

1991

2014

2014

2014

2014

2015

2015

2015

2016

2016

5,800 TEU   
5,800 TEU   
4,100 TEU   
4,100 TEU   
4,100 TEU   
4,100 TEU   
4,100 TEU   
4,100 TEU   
4,100 TEU   
1,700 TEU   
1,700 TEU   
1,700 TEU   
8,700 TEU   
8,700 TEU   
8,700 TEU   
8,700 TEU   
9,500 TEU   
9,500 TEU   
9,300 TEU   
19,200 TEU   
19,200 TEU   
3,424 TEU   
4,354 TEU   
1,098 TEU   
1,733 TEU   
1,733 TEU   
3,720 TEU   
2,061 TEU   
2,072 TEU   
3,424 TEU   
2,394 TEU   
3,424 TEU   
3,007 TEU   
2,394 TEU   
3,502 TEU   
3,005 TEU   
13,800 TEU   
13,800 TEU   
13,800 TEU   
13,800 TEU   
10,600 TEU   
10,600 TEU   
10,600 TEU   
19.400 TEU   
19.400 TEU   

40

LIB

LIB

LIB

LIB

LIB

LIB

LIB

LIB

LIB

MI

MAL

MAL

MI

MI

MI

MI

LIB

LIB

LIB

LIB

LIB

PAN

PAN

PAN

LIB

LIB

PAN

PT

LIB

PAN

PAN

PAN

PAN

PAN

PAN

PAN

LIB

LIB

LIB

LIB

MI

MI

MI

LIB

LIB

  Direct Financing

  Direct Financing

Operating

Operating

Operating

Operating

Operating

Operating

Operating

Sales Type

Operating

Operating

Operating

Operating

Operating

Operating

Operating

Operating

Operating

  Direct Financing

  Direct Financing

  Direct Financing

  Direct Financing

  Direct Financing

  Direct Financing

  Direct Financing

  Direct Financing

  Direct Financing

  Direct Financing

  Direct Financing

  Direct Financing

  Direct Financing

  Direct Financing

  Direct Financing

  Direct Financing

  Direct Financing

Operating

Operating

Operating

Operating

Operating

Operating

Operating

  Direct Financing

  Direct Financing

2024 (1) (7)
2024 (1) (7)
2021 (1) (7)
2021 (1) (7)
2021 (1) (7)
2021 (1) (7)
2020 (1)
2020 (1)
2020 (1)
2022 (1)
2020 (1)
2020 (1)
2021  

2021  

2022  

2022  

2020  

2021  

2021  
2031 (1) (5)
2032 (1) (5)
2025 (1)
2025 (1)
2025 (1)
2025 (1)
2025 (1)
2025 (1)
2025 (1)
2025 (1)
2025 (1)
2025 (1)
2025 (1)
2025 (1)
2025 (1)
2025 (1)
2025 (1)
2024 (6)
2024 (6)
2024 (6)
2024 (6)
2024 (1) (6)
2024 (1) (6)
2024 (1) (6)
2033 (1) (5)
2033 (1) (5)

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Car Carriers

Composer

Conductor

Jack-Up Drilling Rigs

West Linus

Ultra-Deepwater Drill Units

West Hercules

West Taurus

Supramax Dry Bulk Carriers

SFL Hudson

SFL Yukon

SFL Sara

SFL Kate

SFL Humber

Offshore support vessels

Sea Leopard

Sea Cheetah

Sea Jaguar

Sea Halibut

Sea Pike

Document

2005

2006

6,500 CEU   
6,500 CEU   

HK

PAN

n/a

n/a

n/a (4)
n/a (4)

2014

450 ft   

NOR

  Direct Financing

2029 (1)

2008

2008

2009

2010

2011

2011

2012

1998

2007

2007

2007

2007

10,000 ft   
10,000 ft   

PAN

PAN

  Direct Financing

  Direct Financing

57,000   
57,000   
57,000   
57,000   
57,000   

AHTS  (2)
AHTS  (2)
AHTS  (2)
PSV  (3)
PSV  (3)

MI

HK

HK

HK

HK

CYP

CYP

CYP

CYP

CYP

Operating

n/a

n/a

Operating

Operating

  Direct Financing

Operating

Operating

Operating

Operating

2024 (1)
2024 (1)

2020  

n/a (4)
n/a (4)

2021  
2022  

2027  
2027  
2027  
2027  
2027  

Key to Flags: BA – Bahamas, CYP – Cyprus, HK – Hong Kong, LIB – Liberia, MAL – Malta, MI – Marshall Islands, PAN – Panama, PT –
Portugal, NOR – Norway.

Notes: 

(1) Charterer has purchase options or obligations during the term or at the end of the charter.

(2) Anchor handling tug supply vessel (AHTS).

(3) Platform supply vessel (PSV).

(4) Currently employed on a short-term charter or trading in the spot market.

(5) Vessel chartered-in and out on direct financing leases

(6) Vessel chartered-in as capital leases and out as operating leases

(7) Extended in 2019. Lease assessment is preliminary and may change.

Substantially,  all  of  our  owned  vessels  and  rigs  are  pledged  under  mortgages,  excluding  three  of  the  1,700  TEU  container  vessels,  two  6,500
CEU car carriers and two chemical tankers.

Other than our interests in the vessels and drilling units described above, we do not own any material physical properties. We lease office space
in Oslo from Seatankers Management Norway AS and in London from Frontline Corporate Services Ltd, both related parties.

ITEM 4A. UNRESOLVED STAFF COMMENTS

None.

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ITEM 5.

OPERATING AND FINANCIAL REVIEW AND PROSPECTS

The following discussion should be read in conjunction with Item 3. "Selected Financial Data", Item 4. "Information on the Company" and our
audited consolidated financial statements and notes thereto included herein.

A. OPERATING RESULTS

Overview
Following our spin-off from Frontline and the purchase of our original fleet in 2004, we have established ourselves as a leading international
maritime asset-owning company with a large and diverse asset base across the maritime and offshore industries. A full fleet list is provided in
Item 4.D "Information on the Company" showing the assets that we currently own and charter to our customers.

Fleet Development

The following table summarizes the development of our active fleet of vessels, including four chartered-in container vessels and seven container
vessels financed through sale and leaseback transactions:

Vessel type

Oil Tankers

Chemical tankers

Dry bulk carriers

Container vessels

Car carriers

Jack-up drilling rigs

Ultra-deepwater drill units

Offshore support vessels

Product tankers

Total Active Fleet

Total fleet

December 31,
2016

15 
2 
22 
21 
2 
2 
2 
5 
— 

71 

+1 

+2 

+3 

Additions/
Disposals

2017

-4   

Total fleet

December 31,
2017

 Additions/
Disposals

2018

Total fleet

December 31,
2018

-6

-1

-1

+24

11     
2     
22     
22   
2     
2     
2     
5     
2   

5 
2 
22 
45 
2 
1 
2 
5 
2 

86 

-4   

70   

+24   

-8   

There have not been any deliveries that have taken place or are scheduled to take place between year ended December 31, 2018 and filing date.

Factors Affecting Our Current and Future Results

Principal  factors  that  have  affected  our  results  since  2004,  and  are  expected  to  affect  our  future  results  of  operations  and  financial  position,
include:

•

•

•

•

•

•

•

the  earnings  of  our  vessels  under  time  charters  and  bareboat  charters  to  Frontline  Shipping,  the  Seadrill  Charterers,  the  Golden
Ocean Charterer and other charterers;

the amount we receive under the profit sharing arrangements with Frontline Shipping, the Golden Ocean Charterer and the Solstad
Charterer;

the earnings and expenses related to any additional vessels that we acquire;

earnings from the sale of assets and termination of charters;

vessel management fees and operating expenses;

administrative expenses;  

interest expenses; and

• mark-to-market adjustments to the valuation of our interest rate swaps and other derivative financial instruments.

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As discussed above, Frontline Shipping was our principal customer when we were spun-off from Frontline in 2004. Since then we have increased
our  customer  base  from  one  to  more  than  10  customers  including  related  parties  Frontline  Shipping,  Seadrill  and  Golden  Ocean.  In  the  year
ended December 31, 2018, Frontline Shipping accounted for approximately 8% of our consolidated operating revenues (2017: 15%, 2016: 28%).
In  the  year  ended  December  31,  2018,  the  Company  had  eight  Capesize  dry  bulk  carriers  leased  to  a  subsidiary  of  Golden  Ocean  which
accounted for approximately 13% of our consolidated operating revenues (2017: 14%, 2016: 12%).

In the year ended December 31, 2018, the Company had 29 container vessels on long-term bareboat charters to MSC, an unrelated party, which
accounted  for  approximately  11%  of  our  consolidated  operating  revenues  in  the  year  ended  December  31,  2018  (2017:  10%,  2016:  4%).
Following the acquisition of Hamburg Süd by Maersk in November 2017, the Company had 10 container vessels on long-term time charters to
Maersk at December 31, 2018, which accounted for approximately 27% of our consolidated operating revenues (2017: 14%; 2016: 9%).

Our revenues arise primarily from our long-term, fixed-rate charters and as shown in Results of Operations below the majority of our income is
derived from time charter income, however we also have finance lease interest and service income, and bareboat charter income from operating
leases.

Our future earnings are dependent upon the continuation of existing lease arrangements and our continued investment in new lease arrangements.
Future earnings may be significantly affected by the sale of vessels or a default by counterparties under our chartering agreements. Investments
and sales which have affected our earnings since January 1, 2018, are listed in Item 4 above under acquisitions and disposals. Some of our lease
arrangements contain purchase options which, if exercised by our charterers, will affect our future leasing revenues.

In 2013, we began to derive income from voyage charters. Currently, we have nine dry bulk carriers, two car carriers and two suezmax tankers
trading in the spot or short term time charter market, where the effects of seasonality may affect the earnings of these vessels.

We  have  profit  sharing  agreements  with  some  of  our  charterers,  in  particular  with  Frontline  Shipping,  the  Golden  Ocean  Charterer,  and  the
Solstad Charterer. Revenues received under profit sharing agreements depend upon the returns generated by the charterers from the deployment
of our vessels. These returns are subject to market conditions which have historically been subject to significant volatility. Our main profit share
income has arisen from our tankers chartered to Frontline Shipping. The profit sharing percentage with Frontline Shipping is 50% of earnings
above  time-charter  rates,  payable  on  a  quarterly  basis.  In  addition  to  the  tankers  chartered  to  Frontline  Shipping,  our  eight  Capesize  dry  bulk
carriers on long-term charter to the Golden Ocean Charterer and our five offshore support vessels on long-term charter to the Solstad Charterer
include profit sharing arrangements whereby we earn, respectively, a 33% or 50% share of profits earned by the vessels above threshold levels.

Vessel Management and Operating Expenses

Our vessel-owning subsidiaries with vessels on charter to Frontline Shipping have entered into fixed rate management agreements with Frontline
Management,  under  which  Frontline  Management  is  responsible  for  all  technical  management  of  the  vessels.  These  subsidiaries  each  pay
Frontline Management a fixed fee of $9,000 per day per vessel for these services. An exception to this arrangement is for any vessel chartered to
Frontline Shipping which is sub-chartered by them on a bareboat basis, for which no management fee is payable for the duration of bareboat sub-
charter.  Similarly,  the  vessels  on  time-charter  to  the  Golden  Ocean  Charterer  pay  a  fixed  fee  of  $7,000  per  day  per  vessel  to  Golden  Ocean
Management, a wholly-owned subsidiary of Golden Ocean, for all technical management of the vessels.

In addition to the three vessels on charter to Frontline Shipping and the eight vessels on charter to Golden  Ocean  Charterer,  we  also  have 14
container vessels, five dry bulk carriers and two product tankers employed on time charters, and two Suezmax tankers, nine dry bulk carriers and
two car carriers employed in the spot or short term time charter market. We have outsourced the technical management for these vessels and we
pay operating expenses for the vessels as they are incurred. Operating expenses include mainly crew costs, repairs and maintenance, spares and
supplies, insurance, management fees and drydocking.

The  remaining  vessels  we  own  that  have  charters  attached  to  them  are  employed  on  bareboat  charters,  where  the  charterer  pays  all  operating
expenses, including maintenance, drydocking and insurance.

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Administrative Expenses

Administrative expenses consist of general corporate overhead expenses, including personnel costs, property costs, legal and professional fees,
and other administrative expenses. Personnel costs include, among other things, salaries, pension costs, fringe benefits, travel costs and health
insurance.  We  have  entered  into  administrative  services  agreements  with  Frontline  Management  and  Seatankers  Management  Co.  Ltd.,  or
Seatankers, under which they provide us with certain administrative support services, and have agreed to reimburse them for reasonable third
party costs, if any, advanced on our behalf. Some of the compensation paid to Frontline Management and Seatankers is based on cost sharing for
the services rendered, based on actual incurred costs plus a margin.

Mark-to-Market Adjustments

In order to hedge against fluctuations in interest rates, we have entered into interest rate swaps which effectively fix the interest payable on a
portion of our floating rate debt. We have also entered into interest/currency swaps in order to fix both the interest and exchange rates applicable
to the payment of interest and eventual settlement on our floating rate NOK bonds. Although the intention is to hold such financial instruments
until maturity, US GAAP requires us to record them at market valuation in our financial statements. Adjustments to the mark-to-market valuation
of these derivative financial instruments, which are caused by variations in interest and exchange rates, are reflected in results of operations and
other comprehensive income. Accordingly, our financial results may be affected by fluctuations in interest and exchange rates.

Interest Expenses

Other than the interest expense associated with our senior unsecured convertible bonds, and our senior unsecured NOK bonds, the amount of our
interest expense will be dependent on our overall borrowing levels and may significantly increase when we acquire vessels or on the delivery of
newbuildings. Interest incurred during the construction of a newbuilding is capitalized in the cost of the newbuilding. Interest expense may also
change with prevailing interest rates, although the effect of these changes may be reduced by interest rate swaps or other derivative instruments
that we enter into.

Equity in earnings of associated companies

Our income earned from Seadrill is through three wholly owned subsidiaries which are accounted for using the equity method, that lease drilling
units  to  subsidiaries  of  Seadrill.  In  the  year  ended  December  31,  2018,  income  from  associated  companies  accounted  for  39.1%  of  our  net
income (2017: 38.6%, 2016: 31.7%). The Company and these three wholly owned subsidiaries, agreed to the Restructuring Plan announced by
Seadrill in September 2017. As part of the agreement, Ship Finance and these subsidiaries agreed to reduce the contractual charter hire payable
by the relevant Seadrill subsidiaries by approximately 29% for five years starting in 2018, with the reduced amounts added back in the period
thereafter.

Critical Accounting Policies and Estimates

The preparation of our consolidated financial statements in accordance with US GAAP requires management to make estimates and assumptions
affecting the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of our financial statements,
and the reported amounts of revenues and expenses during the reporting period.  The following is a discussion of the accounting policies we
apply that are considered to involve a higher degree of judgment in their application. For details of all our material accounting policies, see Note
2 to our consolidated financial statements.

Revenue Recognition

Effective from January 1, 2018, we adopted the new accounting standard ASC, Topic 606 "Revenue from Contracts with Customers" using the
modified retrospective method, which resulted in no adjustment to our retained earnings on adoption and comparative information has not been
restated and continues to be reported under the accounting standards in effect for those periods.

The Company generates its revenues from the charter hire of its vessels and offshore related assets, and freight billings. Revenues are generated
from  time  charter  hire,  bareboat  charter  hire,  direct  financing  lease  interest  income,  sales-type  lease  interest  income,  finance  lease  service
revenues, profit sharing arrangements, voyage charters and other freight billings.

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In a time charter voyage, the vessel is hired by the charterer for a specified period of time in exchange for consideration which is based on a daily
hire rate. Generally, the charterer has the discretion over the ports visited, shipping routes and vessel speed. The contract/charter party generally
provides typical warranties regarding the speed and performance of the vessel. The charter party generally has some owner protective restrictions
such that the vessel is sent only to safe ports by the charterer and carries only lawful or non hazardous cargo. In a time charter contract, we are
responsible for all the costs incurred for running the vessel such as crew costs, vessel insurance, repairs and maintenance and lubes. The charterer
bears the voyage related costs such as bunker expenses, port charges, canal tolls during the hire period. The performance obligations in a time
charter contract are satisfied over the term of the contract beginning when the vessel is delivered to the charterer until it is redelivered back to us.
The charterer generally pays the charter hire in advance of the upcoming contract period. The time charter contracts are either operating or direct
financing or sales type leases. Where time charters and bareboat charters are considered operating leases revenues are recorded over the term of
the charter as a service is provided. When a time charter contract is linked to an index, we recognize revenue for the applicable period based on
the actual index for that period.

Rental payments from direct financing and sales-type leases are allocated between lease service revenues, if applicable, lease interest income and
repayment of net investment in leases. The amount allocated to lease service revenue is based on the estimated fair value, at the time of entering
the lease agreement, of the services provided which consist of ship management and operating services.

In a voyage charter contract, the charterer hires the vessel to transport a specific agreed-upon cargo for a single voyage. The consideration in
such a contract is determined on the basis of a freight rate per metric ton of cargo carried or occasionally on a lump sum basis. The charterer is
responsible for any short loading of cargo or "dead" freight. The voyage charter party generally has standard payment terms with freight paid on
completion of discharge. The voyage charter party generally has a "demurrage" clause. As per this clause, the charterer reimburses us for any
potential delays exceeding the allowed laytime as per the charter party clause at the ports visited, which is recorded as voyage revenue. Estimates
and judgments are required in ascertaining the most likely outcome of a particular voyage and actual outcomes may differ from estimates. Such
estimate is reviewed and updated over the term of the voyage charter contract. In a voyage charter contract, the performance obligations begin to
be satisfied once the vessel begins loading the cargo.

We have determined that our voyage charter contracts consist of a single performance obligation of transporting the cargo within a specified time
period. Therefore, the performance obligation is met evenly as the voyage progresses, and the revenue is recognized on a straight line basis over
the voyage days from the commencement of loading to completion of discharge. Contract assets with regards to voyage revenues are reported as
"Voyages in progress" as the performance obligation is satisfied over time. Voyage revenues typically become billable and due for payment on
completion of the voyage and discharge of the cargo, at which point the receivable is recognized as "Trade accounts receivable, net".

In a voyage contract, the Company bears all voyage related costs such as fuel costs, port charges and canal tolls. To recognize costs incurred to
fulfill  a  contract  as  an  asset,  the  following  criteria  shall  be  met:  (i)  the  costs  relate  directly  to  the  contract,  (ii)  the  costs  generate  or  enhance
resources of the entity that will be used in satisfying performance obligations in the future and (iii) the costs are expected to be recovered. The
costs incurred during the period prior to commencement of loading the cargo, primarily bunkers, are deferred as they represent setup costs and
recorded as a current asset and are subsequently amortized on a straight-line basis as we satisfy the performance obligations under the contract.
Costs incurred to obtain a contract, such as commissions, are also deferred and expensed over the same period.

For our vessels operating under revenue sharing agreements, or in pools, revenues and voyage expenses are pooled and allocated to each pool’s
participants in accordance with an agreed-upon formula. Revenues generated through revenue sharing agreements are presented gross when we
are  considered  the  principal  under  the  charter  parties  with  the  net  income  allocated  under  the  revenue  sharing  agreement  presented  as  within
voyage  charter  income.  For  revenue  sharing  agreements  that  meet  the  definition  of  a  lease,  we  account  for  such  contracts  as  variable  rate
operating leases and recognize revenue for the applicable period based on the actual net revenue distributed by the pool.

Any contingent elements of rental income, such as profit share or interest rate adjustments, are recognized when the contingent conditions have
materialized.

Frontline  Shipping  pays  the  Company  a  profit  sharing  rate  of  50%  of  their  earnings  above  average  threshold  charter  rates  on  a  time-charter
equivalent basis from their use of the Company's fleet each quarter. For each profit sharing period, the threshold is calculated as the number of
days  in  the  period  multiplied  by  the  daily  threshold  TCE  rates  for  the  applicable  vessels.  The  50%  profit  sharing  agreement  with  Frontline
Shipping is payable on a quarterly basis.

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In 2015, we acquired eight Capesize dry bulk carriers from subsidiaries of Golden Ocean and immediately upon delivery each vessel commenced
a ten year time-charter to the Golden Ocean Charterer. The terms of the charters provide that we will receive a profit sharing rate of 33% of their
earnings above average threshold charter rates, calculated quarterly on a time-charter equivalent basis.

In 2016, the charter agreements relating to five offshore support vessels chartered to the Solstad Charterer on a bareboat basis were amended and
restated,  including  provisions  whereby  we  will  receive  a  profit  sharing  rate  of  50%  of  each  vessel's  earnings  above  average  threshold  charter
rates, calculated on a time-charter equivalent basis.

In the past, we have also received a 50% share of profits earned by some our dry bulk carriers operating on short-term time charters to United
Freight Carriers, or UFC, a related party. All profit sharing revenues are recorded when earned and realizable.

Investment in Debt and Equity Securities

Investments in debt and equity securities include share investments and interest-earning listed and unlisted corporate bonds. Any premium paid
on their acquisition is amortized over the life of the bond. Investments in debt securities are recorded at fair value, with unrealized gains and
losses  recorded  as  a  separate  component  of  other  comprehensive  income.  Investments  in  equity  securities  are  recorded  at  fair  value,  with
unrealized gains and losses recorded in the consolidated statement of operations. If circumstances arise which lead the Company to believe that
the issuer of a corporate bond may be unable meet its payment obligations in full, or that the fair value at acquisition of the share investment or
corporate bond may otherwise not be fully recoverable, then to the extent that a loss is expected to arise that unrealized loss is recorded as an
impairment  in  the  statement  of  operations,  with  an  adjustment  if  necessary  to  any  unrealized  gains  or  losses  previously  recorded  in  other
comprehensive income. In determining whether the Company has an other-than-temporary impairment in its investment in bonds, in addition to
the Company’s intention and ability to hold the investments until the market recovers, the Company considers the period of decline, the amount
and  the  severity  of  the  decline  and  the  ability  of  the  investment  to  recover  in  the  near  to  medium  term.  The  Company  also  evaluates  if  the
underlying  security  provided  by  the  bonds  is  sufficient  to  ensure  that  the  decline  in  fair  value  of  these  bonds  did  not  result  in  an  other-than-
temporary impairment.

The cost of disposals or reclassifications from other comprehensive income is calculated on an average cost basis, where applicable.

The  fair  value  of  unlisted  corporate  bonds  is  determined  from  an  analysis  of  projected  cash  flows,  based  on  factors  including  the  terms,
provisions  and  other  characteristics  of  the  bonds,  credit  ratings  and  default  risk  of  the  issuing  entity,  the  fundamental  financial  and  other
characteristics of that entity, and the current economic environment and trading activity in the debt market.

Vessels and Depreciation (including operating lease assets)

The cost of vessels and rigs less estimated residual value are depreciated on a straight line basis over their estimated remaining economic useful
lives.  The estimated economic useful life of our offshore assets, including drilling rigs and drillships, is 30 years and for all other vessels it is 25
years. These are common life expectancies applied in the shipping and offshore industries.

If the estimated economic useful life or estimated residual value of a particular vessel is incorrect, or circumstances change and the estimated
economic useful life and/or residual value have to be revised, an impairment loss could result in future periods. We monitor the carrying values
of our vessels, including direct financing lease assets, and revise the estimated useful lives and residual values of any vessels where appropriate,
particularly when new regulations are implemented.

Vessels and Equipment under Capital Lease

The Company charters-in certain vessels and equipment under leasing agreements. Leases of vessels and equipment, where the Company has
substantially all the risks and rewards of ownership, are classified as capital lease assets, with corresponding capital lease obligations recorded.
Capital lease assets are capitalized at the commencement of the lease at the lower of the fair value of the leased asset and the present value of the
minimum lease payments.

For sale and lease back transactions, when the asset sold is for more or less than its carrying amount, any indicated loss or gain on the sale is in
substance a prepayment of rent or unearned rent, respectively, and thus, in accordance with ASC 840-40-35-4, the Company defers this prepaid
or unearned rental and amortizes it over the lease term. In case the fair value of the asset sold is less than its carrying amount, any indicated loss
on the sale is recognized in the consolidated statement of income as incurred.

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Depreciation of vessels and equipment under capital lease is included within "Depreciation" in the consolidated statement of operations. Vessels
and equipment under capital lease are depreciated on a straight-line basis over the vessels' remaining economic useful lives or on a straight-line
basis over the term of the lease. The method applied is determined by the criteria by which the lease has been assessed to be a capital lease.

Investment in Direct Financing and Sales-Type Leases

Leases (charters) of our vessels where we are the lessor are classified as either direct financing or sales-type leases or operating leases, based on
an assessment of the terms of the lease. For charters classified as direct financing leases, the minimum lease payments (reduced in the case of
time-chartered vessels by projected vessel operating costs) plus the estimated residual value of the vessel are recorded as the gross investment in
the capital lease.

For direct financing leases, the difference between the gross investment in the lease and the carrying value of the vessel is recorded as unearned
lease interest income. The net investment in the lease consists of the gross investment less the unearned income. Over the period of the lease each
charter payment received, net of vessel operating costs if applicable, is allocated between "lease interest income" and "repayment of investment
in lease" in such a way as to produce a constant percentage rate of return on the balance of the net investment in the direct financing lease. Thus,
as the balance of the net investment in each direct financing lease decreases, a lower proportion of each lease payment received is allocated to
lease interest income and a greater proportion is allocated to lease repayment. For direct financing leases relating to time chartered vessels, the
portion of each time charter payment received that relates to vessel operating costs is classified as "lease service revenue".

The implicit rate of return for each of the Company's direct financing leases is derived in accordance with Accounting Standards Codification, or
ASC,  Topic  840  "Leases"  using  the  fair  value  of  the  asset  at  the  lease  inception,  the  minimum  contractual  lease  payments  and  the  estimated
residual values.

For sales-type leases, the difference between the gross investment in the lease and the present value of its components, i.e. the minimum lease
payments  and  the  estimated  residual  value,  is  recorded  as  unearned  lease  interest  income.  The  discount  rate  used  in  determining  the  present
values is the interest rate implicit in the lease. The present value of the minimum lease payments, computed using the interest rate implicit in the
lease,  is  recorded  as  the  sales  price,  from  which  the  carrying  value  of  the  vessel  at  the  commencement  of  the  lease  is  deducted  in  order  to
determine the profit or loss on sale. As is the case for direct financing leases, the unearned lease interest income is amortized to income over the
period of the lease so as to produce a constant periodic rate of return on the net investment in the lease. In addition, in the case of a sales-type
lease, the difference between the fair value (or sales price) and the carrying value (or cost) of the asset is recognized as "profit on sale" in the
period in which the lease commences.

We  estimate  the  unguaranteed  residual  value  of  our  direct  financing  lease  assets  at  the  end  of  the  lease  period  by  calculating  depreciation  in
accordance with our accounting policies over the estimated useful life of the asset. Residual values are reviewed at least annually to ensure that
original estimates remain appropriate.

There is a degree of uncertainty involved in the estimation of the unguaranteed residual values of assets leased under both operating and direct
financing  or  sales-type  leases.  Global  effects  of  supply  and  demand  for  oil  and  other  cargoes,  and  changes  in  international  government
regulations cause volatility in the spot market for second-hand vessels. Where assets are held until the end of their useful lives the unguaranteed
residual value (i.e. scrap value) will fluctuate with the price of steel and any changes in laws related to the ship scrapping process, commonly
known as ship breaking.

Classification  of  a  lease  involves  the  use  of  estimates  or  assumptions  about  fair  values  of  leased  vessels  and  expected  future  values  of
vessels.  We generally base our estimates of fair value on independent broker valuations of each of our vessels.  Our estimates of expected future
values of vessels are based on current fair values amortized in accordance with our standard depreciation policy for owned vessels.

Fixed Price Purchase Options

Where an asset is subject to an operating lease that includes fixed price purchase options, the projected net book value of the asset is compared to
the option price at the various option dates. If any option price is less than the projected net book value at an option date, the initial depreciation
schedule is amended so that the carrying value of the asset is written down on a straight line basis to the option price at the option date. If the
option is not exercised, this process is repeated so as to amortize the remaining carrying value, on a straight line basis, to the estimated scrap
value or the option price at the next option date, as appropriate.

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Similarly,  where  a  direct  financing  or  sales-type  lease  relates  to  a  charter  arrangement  containing  fixed  price  purchase  options,  the  projected
carrying value of the net investment in the lease is compared to the option price at the various option dates. If any option price is less than the
projected net investment in the lease at an option date, the rate of amortization of unearned finance lease interest income is adjusted to reduce the
net investment in the lease to the option price at the option date. If the option is not exercised, this process is repeated so as to reduce the net
investment in the lease to the un-guaranteed residual value or the option price at the next option date, as appropriate.

Thus, for operating assets and direct financing and sales-type lease assets, if an option is exercised there will either be (a) no gain or loss on the
exercise of the option or (b) in the event that an option is exercised at a price in excess of the net book value of the asset or the net investment in
the lease, as appropriate, at the option date, a gain will be reported in the statement of operations at the date of delivery to the new owners.

Impairment of Long-Lived Assets

The vessels and rigs held and used by us are reviewed for impairment on a quarterly basis and whenever events or changes in circumstances
indicate  that  the  carrying  amount  of  an  asset  may  not  be  recoverable.  An  impairment  charge  would  be  recognized  if  the  estimate  of  future
undiscounted  cash  flows  expected  to  result  from  the  use  of  the  vessel  or  rig  and  its  eventual  disposal  is  less  than  its  carrying  amount.  When
testing  for  impairment,  we  consider  daily  rates  currently  in  effect  for  existing  charters,  the  possibility  of  any  medium  or  long-term  charter
arrangements  being  terminated  early  and,  using  historical  trends,  estimated  daily  rates  for  each  vessel  or  rig  for  its  remaining  useful  life  not
covered  by  existing  charters.  In  assessing  the  recoverability  of  carrying  amounts,  we  must  make  assumptions  regarding  estimated  future  cash
flows. These assumptions include assumptions about spot market rates, operating costs and the estimated economic useful life of these assets. In
making these assumptions we refer to five-year and ten-year historical trends and performance, as well as any known future factors. Factors we
consider important which could affect recoverability and trigger impairment include significant underperformance relative to expected operating
results, new regulations that change the estimated useful economic lives of our vessels and rigs, and significant negative industry or economic
trends.

In the year ended December 31, 2016, reviews of the carrying value of long-lived assets indicated that one VLCC classified as held for sale and
one container vessel were impaired, and charges were taken against these assets. In 2017, the reviews of the carrying value of long-lived assets
resulted in no impairment charge being required. In 2018, reviews of the carrying value of long-lived assets indicated that five offshore support
vessels and four VLCCs were impaired, and charges were taken against these assets.

Vessel Market Values

As we obtain information from various industry and other sources, our estimates of vessel market values are inherently uncertain. In addition,
charter-free market values are highly volatile and any estimate of market value may not be indicative of the current or future basic market value
of our vessels or prices that we could achieve if we were to sell them.  Moreover, we are not holding our vessels for sale, except as otherwise
noted  in  this  report,  and  most  of  our  vessels  are  currently  employed  under  long-term  charters  or  leases  or  other  arrangements.  There  is  not  a
ready liquid market for vessels that are subject to such arrangements.

During  the  past  few  years,  the  charter-free  market  values  of  vessels  have  experienced  particular  volatility,  with  substantial  declines  in  many
vessel classes.  As a result, the charter-free market values of many of our vessels have declined below those vessels' carrying value. However, we
would  not  impair  those  vessels'  carrying  value  under  our  accounting  impairment  policy,  if  we  expect  future  cash  flows  receivable  from  the
vessels over their remaining useful lives, including existing charters, to exceed the carrying values of such vessels.   

At  December  31,  2018,  we  owned  75  vessels  and  rigs.  Including  the  two  ultra-deepwater  drilling  units  and  the  harsh-environment  jack-up
drilling rig which are owned by equity accounted subsidiaries, the aggregate carrying value of these 75 assets at December 31, 2018, was $2.8
billion, as summarized in the table below. The table is presented in the context of the markets in which the vessels operate, with crude oil tankers,
oil  product  tankers  and  chemical  tankers  grouped  together  under  "Tanker  vessels",  container  vessels  and  car  carriers  grouped  together  under
"Liners" and jack-up drilling rigs, ultra-deepwater drilling units and offshore support vessels grouped together under "Offshore units".

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Tanker vessels (1)

Dry bulk carriers (2)

Liners (3)

Offshore units (4)

Number of 
owned vessels 
9 
22 
36 
8 
75 

Aggregate carrying value at 
December 31, 2018 
($ millions) 
340 
539 
856 
1,063 
2,798 

(1) Includes nine vessels with an aggregate carrying value of $340 million, which we believe exceeds their aggregate charter-free market

value by approximately $68 million.

(2) Includes 14 vessels with an aggregate carrying value of $321 million, which we believe exceeds their aggregate charter-free market
value  by  approximately  $133  million  and  eight  vessels  with  an  aggregate  carrying  value  of  $218  million,  which  we  believe  is
approximately $23 million less than their aggregate charter-free market value.

(3) Includes nine vessels with an aggregate carrying value of $357 million, which we believe exceeds their aggregate charter-free market
value  by  approximately  $47  million,  and  27  vessels  with  an  aggregate  carrying  value  of  $500  million,  which  we  believe  is
approximately $40 million less than their aggregate charter-free market value.

(4) Includes five vessels with an aggregate net carrying value of $43 million, which we believe does not exceed their aggregate charter-
free market value following their impairment at December 31, 2018, and three  vessels  with  an  aggregate  carrying  value  of  $1,020
million, which we believe is approximately $174 million less than their aggregate charter-free market value.

The above aggregate carrying value of $2.8 billion at December 31, 2018, is made up of (a) $221 million investments in direct finance leases
(excluding the chartered-in container vessels MSC Anna, MSC Vivianna, MSC Erica and MSC Reef), (b) $1,556 million vessels and equipment
(excluding vessels and equipment under capital lease), (c) $1,020 million carrying value of two ultra-deepwater drilling units and one jack-up
drilling rig owned by equity accounted subsidiaries.

Obligations under Capital Lease

The Company charters-in certain vessels and equipment under leasing agreements. Leases of vessels and equipment, where the Company has
substantially all the risks and rewards of ownership, are classified as capital lease assets, with corresponding capital lease obligations recorded.
Capital lease assets are capitalized at the commencement of the lease at the lower between the fair value of the leased asset and the present value
of the minimum lease payments. Each lease payment is allocated between liability and finance charges to achieve a constant rate on the capital
balance outstanding. The interest element of the capital cost is charged to the Consolidated Statement of Operations over the lease period.

Convertible Bonds

The Company accounts for debt instruments with convertible features in accordance with the details and substance of the instruments at the time
of  their  issuance.  For  convertible  debt  instruments  issued  at  a  substantial  premium  to  equivalent  instruments  without  conversion  features,  or
those that may be settled in cash upon conversion, it is presumed that the premium or cash conversion option represents an equity component.
Accordingly, the Company determines the carrying amounts of the liability and equity components of such convertible debt instruments by first
determining  the  carrying  amount  of  the  liability  component  by  measuring  the  fair  value  of  a  similar  liability  that  does  not  have  an  equity
component. The carrying amount of the equity component representing the embedded conversion option is then determined by deducting the fair
value of the liability component from the total proceeds from the issue. The resulting equity component is recorded, with a corresponding offset
to debt discount which is subsequently amortized to interest cost using the effective interest method over the period the debt is expected to be
outstanding as an additional non-cash interest expense. Transaction costs associated with the instrument are allocated pro-rata between the debt
and equity components.

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Mark-to-Market Valuation of Financial Instruments

The Company enters into interest rate and currency swap transactions, total return bond swaps and total return equity swaps. As required by ASC
Topic 815 "Derivatives and Hedging", the mark-to-market valuations of these transactions are recognized as assets or liabilities, with changes in
their fair value recognized in the consolidated statements of operations or, in the case of swaps designated as hedges to underlying loans, in other
comprehensive  income.  To  determine  the  market  valuation  of  these  instruments,  we  use  a  variety  of  assumptions  that  are  based  on  market
conditions and risks existing at each balance sheet date. All methods of assessing fair value result in a general approximation of value, and such
value may never actually be realized.

Variable Interest Entities 

A variable interest entity is defined in ASC Topic 810 "Consolidation" ("ASC 810") as a legal entity where either (a) the total equity at risk is not
sufficient to permit the entity to finance its activities without additional subordinated support; (b) equity interest holders as a group lack either i)
the power to direct the activities of the entity that most significantly impact on its economic success, ii) the obligation to absorb the expected
losses of the entity, or iii) the right to receive the expected residual returns of the entity; or (c) the voting rights of some investors in the entity are
not  proportional  to  their  economic  interests  and  the  activities  of  the  entity  involve  or  are  conducted  on  behalf  of  an  investor  with  a
disproportionately small voting interest.

ASC 810 requires a variable interest entity to be consolidated by its primary beneficiary, being the interest holder, if any, which has both (1) the
power  to  direct  the  activities  of  the  entity  which  most  significantly  impact  on  the  entity's  economic  performance,  and  (2)  the  right  to  receive
benefits or the obligation to absorb losses from the entity which could potentially be significant to the entity.

In applying the provisions of ASC 810, we must make assessments in respect of, but not limited to, the sufficiency of the equity investment in
the underlying entity and the extent to which interest holders have the power to direct activities. These assessments include assumptions about
future revenues and operating costs, fair values of assets, and estimated economic useful lives of assets of the underlying entity.

Recent accounting pronouncements

In  February  2016,  the  Financial  Accounting  Standards  Board  ("FASB")  issued  Accounting  Standards  Update  ("ASU")  2016-02  "Leases"  to
increase transparency and comparability among organizations by recognizing lease assets and lease liabilities on the balance sheet and disclosing
key information about leasing arrangements. ASU 2016-02 creates a new Accounting Standards Codification Topic 842 "Leases" to replace the
previous  Topic  840  "Leases."  ASU  2016-02  affects  both  lessees  and  lessors,  although  for  the  latter  the  provisions  are  similar  to  the  previous
model, but updated to align with certain changes to the lessee model and also the new revenue recognition provisions contained in Topic 606.
ASU  2016-02  is  effective  for  fiscal  years  and  interim  periods  beginning  after  December  15,  2018.  Early  adoption  is  permitted.  Accounting
Standards  Codification  ("ASC")  842  provides  a  group  of  practical  expedients  that  allows  entities  to  not  (i)  reassess  whether  any  expired  or
existing contracts are considered or contain leases; (ii) reassess the lease classification for any expired or existing leases; and (iii) reassess initial
direct costs for any existing leases. The Company plans to adopt ASC 842 on January 1, 2019 and has elected the use of the practical expedients.
Due  to  this  election,  the  Company  has  determined  the  adoption  of  ASC  842  will  not  have  a  material  impact  on  the  consolidated  financial
statements.

In December 2018, the FASB issued ASU No. 2018-20 "Leases (Topic 842): Narrow-Scope Improvements for Lessors" to address issues facing
lessors when applying the leases standard. The amendments addresses the following issues; (i) Sales taxes and other similar taxes collected from
lessees, which permits lessors, as an accounting policy election, to not evaluate whether certain sales taxes and other similar taxes are lessor costs
or lessee costs. Instead, those lessors will account for those costs as if they are lessee costs and exclude the costs from being reported as lease
revenue with an associated expense. (ii) Certain lessor costs paid directly by lessees, whereby certain lessor costs require lessors to exclude from
variable payments, and therefore revenue, lessor costs paid by lessees directly to third parties. The amendments also require lessors to account
for costs excluded from the consideration of a contract that are paid by the lessor and reimbursed by the lessee as variable payments. A lessor
will record those reimbursed costs as revenue. (iii) Recognition of variable payments for contracts with lease and non-lease components. The
amendments relate to recognizing variable payments for contracts with lease and non-lease components require lessors to allocate (rather than
recognize as currently required in the new leases standard) certain variable payments to the lease and non-lease components when the changes in
facts and circumstances on which the variable payment is based occur. After the allocation, the amount of variable

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payments allocated to the lease components will be recognized as income in profit or loss in accordance with the new leasing guidance, while the
amount  of  variable  payments  allocated  to  non-lease  components  will  be  recognized  in  accordance  with  other  accounting  guidance,  such  as
revenue from contracts with customers. ASU 2018-20 is effective for fiscal years and interim periods beginning after December 15, 2018. The
Company has evaluated the adoption of ASU 2018-20 will not have a material impact on the consolidated financial statements.

In June 2016, the FASB issued ASU 2016-13 "Financial Instruments - Credit Losses" to introduce new guidance for the accounting for credit
losses on instruments within its scope. ASU 2016-13 requires among other things, the measurement of all expected credit losses for financial
assets  held  at  the  reporting  date  based  on  historical  experience,  current  conditions,  and  reasonable  supportable  forecasts.  Many  of  the  loss
estimation  techniques  applied  today  will  still  be  permitted,  although  the  inputs  to  those  techniques  will  change  to  reflect  the  full  amount  of
expected  credit  losses.  In  addition,  ASU  2016-13  amends  the  accounting  for  credit  losses  on  available-for-sale  debt  securities  and  purchased
financial assets with credit deterioration. ASU 2016-13 is effective for fiscal years and interim periods beginning after December 15, 2019. Early
adoption  is  permitted.  The  Company  is  currently  assessing  the  impact  of  ASU  2016-13  on  its  consolidated  financial  position,  results  of
operations and cash flows.

In March 2017, the FASB issued ASU 2017-08 "Receivables—Nonrefundable Fees and Other Costs (Subtopic 310-20), Premium Amortization
on  Purchased  Callable  Debt  Securities"  to  amend  the  amortization  period  for  certain  purchased  callable  debt  securities  held  at  a  premium.
Specifically, the amendments require the premium to be amortized to the earliest call date. The amendments do not require an accounting change
for securities held at a discount; the discount continues to be amortized to maturity. ASU 2017-08 is effective for fiscal years and interim periods
beginning  after  December  15,  2018.  Early  adoption  is  permitted.  The  impact  on  the  consolidated  financial  statements  of  the  Company  will
depend on the facts and circumstances of any specific future transactions.

In  August  2017,  the  FASB  issued  ASU  2017-12  "Derivatives  and  Hedging  (Topic  815):  Targeted  Improvements  to  Accounting  for  Hedging
Activities"  to  enable  entities  to  better  portray  the  economics  of  their  risk  management  activities  in  the  financial  statements  and  enhance  the
transparency  and  understandability  of  hedge  results.  The  amendments  also  simplify  the  application  of  hedge  accounting  in  certain  situations.
ASU 2017-12 is effective for fiscal years and interim periods beginning after December 15, 2018. The Company has not elected to early adopt.
The effect of the adoption of ASU 2017-12 will be that $34.4 thousand of hedge ineffectiveness losses will be reclassified from retained earnings
to other comprehensive income.

In  July  2018,  the  FASB  issued  ASU  2018-10  "'Codification  Improvements  to  Topic  842,  Leases"  to  provide  amendments  that  affect  narrow
aspects of the guidance issued in the amendments in ASU 2016-02 including those regarding residual value guarantees, rate implicit in the lease,
lessee  reassessment  of  lease  classification,  lessor  reassessment  of  lease  term  and  purchase  option,  variable  lease  payments  that  depend  on  an
index  or  a  rate,  investment  tax  credits,  lease  term  and  purchase  option,  transition  guidance  for  amounts  previously  recognized  in  business
combinations,  certain  transition  adjustments,  transition  guidance  for  leases  previously  classified  as  capital  leases  under  Topic  840,  transition
guidance for modifications to leases previously classified as direct financing or sales-type leases under Topic 840, transition guidance for sale
and leaseback transactions, impairment of net investment in the lease, unguaranteed residual asset, effect of initial direct costs on rate implicit in
the lease, and failed sale and leaseback transactions. ASU 2018-10 is effective for fiscal years and interim periods beginning after December 15,
2018. The Company does not expect that the adoption of ASU 2018-10 will have a material effect on the consolidated financial statements.

In October 2018, the FASB issued ASU No. 2018-16 "Derivatives and Hedging (Topic 815): Inclusion of the Secured Overnight Financing Rate
(SOFR)  Overnight  Index  Swap  (OIS)  Rate  as  a  Benchmark  Interest  Rate  for  Hedge  Accounting  Purposes."  In  the  United  States,  eligible
benchmark interest rates under Topic 815 are interest rates on direct Treasury obligations of the U.S. government (UST), the London Interbank
Offered Rate (LIBOR) swap rate, and the Overnight Index Swap (OIS) Rate based on the Fed Funds Effective Rate. When the FASB issued ASU
No. 2017-12, Derivatives and Hedging (Topic 815): Targeted Improvements to Accounting for Hedging Activities, in August 2017, it introduced
the Securities Industry and Financial Markets Association (SIFMA) Municipal Swap Rate as the fourth permissible U.S. benchmark rate. The
new ASU adds the OIS rate based on SOFR as a U.S. benchmark interest rate to facilitate the LIBOR to SOFR transition and provide sufficient
lead time for entities to prepare for changes to interest rate risk hedging strategies for both risk management and hedge accounting purposes.
ASU 2018-16 is effective for fiscal years and interim periods beginning after December 15, 2019. The Company is currently assessing the impact
of ASU 2018-16 on the consolidated financial statements.

In November 2018, the FASB issued ASU No. 2018-18 "Collaborative Arrangements (Topic 808): Clarifying the Interaction between Topic 808
and Topic 606", which defines a collaborative arrangement as a contractual arrangement under which two or more parties actively participate in a
joint operating activity and are exposed to significant risks and rewards that depend on the activity’s commercial success. The ASU provides
guidance  on  how  to  assess  whether  certain  transactions  between  collaborative  arrangement  participants  should  be  accounted  for  within  the
revenue recognition standard.

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The  ASU  also  provides  more  comparability  in  the  presentation  of  revenue  for  certain  transactions  between  collaborative  arrangement
participants.  It  accomplishes  this  by  allowing  organizations  to  only  present  units  of  account  in  collaborative  arrangements  that  are  within  the
scope  of  the  revenue  recognition  standard  together  with  revenue  accounted  for  under  the  revenue  recognition  standard.  The  parts  of  the
collaborative arrangement that are not in the scope of the revenue recognition standard should be presented separately from revenue accounted
for under the revenue recognition standard. ASU 2018-18 is effective for fiscal years and interim periods beginning after December 15, 2019.
The Company does not expect that the adoption of ASU 2018-18 will have a material effect on the consolidated financial statements.

Also in November 2018, the FASB issued ASU No. 2018-19 "Codification Improvements to Topic 326, Financial Instruments-Credit Losses" to
provide  new  guidance  to  mitigate  the  transition  complexity  by  requiring  entities  other  than  public  business  entities,  including  not-for-profit
organizations  and  certain  employee  benefit  plans,  to  implement  the  credit  losses  standard  issued  in  2016,  for  fiscal  years  beginning  after
December 15, 2021, including interim periods within those fiscal years. This aligns the implementation date for their annual financial statements
with the implementation date for their interim financial statements. The guidance also clarifies that receivables arising from operating leases are
not within the scope of the credit losses standard, but rather, should be accounted for in accordance with the leases standard. ASU 2018-19 is
effective for fiscal years and interim periods beginning after December 15, 2019. The Company is currently assessing the impact of ASU 2018-
19 on the consolidated financial statements.

Market Overview

The Oil Tanker Market

According to industry sources, the tanker freight rates experienced an increase in 2014 and 2015 from the low levels in 2013. This increase was
abruptly halted in 2016. Spot charter rates for VLCCs averaged $41,488 per day in 2016, down from an average spot charter rate in 2015 of
$64,486 per day. A further decrease in rates was seen in 2017, where rates averaged $17,794 per day for the full year. In the current year, the
rates started out with a downward momentum, reaching a low of $3,185 per day in May. The market strengthened significantly during the second
half of 2018, peaking at average rates of $45,317 in November. Suezmax tanker spot rates also saw an increase year on year from $16,749 in
December 2017 to $42,108 in December 2018.

Overall, tonnage demand for tankers has increased by more than 2% in 2018, compared to a 4.7% growth in 2017. However, on the supply side,
crude oil tanker capacity remained flat at 0.3% in 2018, compared to a growth of 5.4% in 2017.

This decrease in capacity relative to demand resulted in an increase in TCE rates for modern VLCCs and Suezmax tankers in the later part of
2018, reaching approximately $33,000 and $24,000 per day respectively.

The  increase  in  rates  during  the  second  half  of  2018  is  partly  attributable  to  total  tanker  demolition  reaching  21m  dwt  in  2018,  which  is  the
highest level recorded since 1985. According to industry sources, at the end of 2018 the total order book for new VLCCs and Suezmax tankers
consisted, respectively, of 99 vessels and 64 vessels, representing approximately 13% and 12% of the existing fleet.

The Dry Bulk Shipping Market

According  to  industry  sources,  the  dry  bulk  shipping  market  experienced  a  relatively  positive  year  across  all  sectors  of  the  drybulk  market,
following a good 2017. Fleet capacity increased nearly 3%, while tonnage demand increased by nearly 2.5%. However in the last quarter of the
year, average bulker earnings fell by 10% on a year-on-year basis, representing the first decline since the end of 2016. While the overall supply-
demand  outlook  currently  seems  balanced  for  the  sector,  a  number  uncertain  risk  factors  are  a  cause  for  concern,  such  as  global  trade  war,
economic concerns and the uncertainty for Chinese imports.

The average one-year time charter rates for Capesize, Supramax and Handysize dry bulk carriers were, respectively, $19,100 per day, $12,800
per day and $10,200 per day, representing increases from 2017 of 26%, 30% and 26%, respectively.

During the year, contracting for newbuilding dry bulk carriers decreased to 30.9 million dwt from 36.2 million dwt in 2017, while deliveries of
new vessels amounted to 28 million dwt and scrapping removed some 4 million dwt. Thus, fleet capacity increased by 24 million dwt, equivalent
to approximately 3% of the total fleet size. At the end of 2018, the total order book for new dry bulk carriers was 88.5 million dwt, equivalent to
11% of the existing fleet.

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The  Capesize  spot  rates  for  2018  remained  typically  volatile,  averaging  $15,614  per  day  in  December  compared  with  $23,737  per  day  in
December 2017. To further demonstrate the volatility in the sector, there was a 15% decrease in rates between September to December. However,
overall, the Capesize sector saw an increase in average rates year-on-year of 4%, its highest level since 2011.

The Freight Liner Market (Containerships and Car Carriers)

According to industry sources, the container charter market saw broad improvements in 2018 compared to 2017. Charter rates improved on a full
year average basis, while box freight rates on a whole were relatively flat. Throughout the year supply outgrew the demand expansion, softening
the market fundamentals.

Global container trade is estimated to have grown by 4.3% in 2018, on the back of firm growth on the transpacific trade route.

Containership fleet capacity in 2018 expanded by a total of 5.6%, which was largely accounted for by the growth of 15,000+ TEU vessels that
resulted in a 34% fleet increase in 2018. Containerships delivered in the full year 2018, totaled 168 vessels of 1.3 million TEU comparing to 148
vessels of 1.1 million TEU in 2017. Contracting for the segment stood at 190 vessels of 1.2 million TEU at 2018 year end and at the start of
2019, the order book amounted to 428 vessels, however deliveries are expected to slow for 0.9 million TEU in 2019 and 1.1 million TEU in
2020. At the same time recycling activity is projected to increase.

The ongoing changes in environmental and regulatory requirements continue to play an important role in the sector, with 266 container vessels,
including  delivered  newbuildings,  of  2.2  million  TEU  fitted  or  are  due  to  be  fitted  with  Sulfur  Oxide,  or  SOx  scrubbers  at  the  start  of  2019.
Furthermore, consolidation within the sector continues to remain a key theme between a number of liner companies.

According to industry sources, seaborne car trade continued to grow in 2018 following an expansion in 2017, with volumes estimated to have
risen  by  6%  in  2017,  and  are  projected  to  grow  by  more  than  3%  in  2018  to  22.3  million  cars  (excluding  intra-EU  trade)  in  the  full  year.
Historically, seaborne car trade had been one of the faster growing parts of seaborne trade, but expansion had been very limited in recent years.
In 2016, seaborne car trade fell by 1% to 20.3 million cars, 2% lower than trade in 2013, with volumes also still below the 2007 peak. The low
commodity price environment significantly undermined consumer demand in many developing countries in 2016 with 21.1 million cars shipped.
Global  seaborne  trade  is  expected  to  slow  in  2019  to  2.4%,  with  forecasted  volumes  to  reach  22.9  million  cars.  Rising  consumer  demand  is
expected to drive continued growth in imports into South America and Africa. Sales in alternative energy vehicles, such as hybrid and electric
cars are expected to continue to rise, particularly in European, Chinese and emerging markets.

The Offshore Drilling Market

According to industry sources, the price of oil (Brent crude spot) averaged around $110 from 2011 to 2013, which was attractive to oil and gas
companies  and  prompted  them  to  substantially  increase  their  investment  in  offshore  exploration  and  development  activity,  resulting  in  full
utilization and record high day rates for mobile offshore drilling units in 2013. However, over the course of 2014 the oil price fell to below $50
per barrel in December 2014 and the fall continued to under $30 per barrel in January 2016, although this recovered to an average of $43 per
barrel  by  the  end  of  2016.  As  a  consequence  of  this  fall  in  oil  prices,  oil  and  gas  companies  have  significantly  reduced  their  exploration  and
development activities, resulting in decidedly weaker demand in the offshore drilling market. However, the last two years has seen an increase to
an  average  of  $54  per  barrel  in  2017,  and  a  further  increase  to  $71  per  barrel  in  2018.  According  to  industry  sources,  the  demand  for  Ultra
Deepwater  drilling  units  stands  at  29  Semis  and  65  drill  ships,  totaling  94.  The  active  supply  amounts  to  40  Semis  and  80  Drill  ships,
corresponding to an active utilization of 78.3% for the segment. There is still a total of 41 Ultra Deepwater drilling units cold stacked.

There  is  currently  a  total  worldwide  demand  for  harsh  environment  jack  ups  totaling  41  units,  with  a  supply  of  51  units,  amounting  to  a
utilization of 80.4%. There are four harsh environment jack ups that are still cold stacked on a worldwide basis.

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The Offshore Support Vessel ("OSV") Market

According  to  industry  sources,  the  OSV  market  remains  one  of  the  most  severely  affected  by  the  offshore  downturn.  During  2018,  the  OSV
market remained depressed with several owners leaving this market during the year.

The OSV market has suffered due to significant debt and oversupply of vessels. During 2018, the market saw an overall number of 150 vessels
being  recycled,  compared  to  the  record-breaking  year  of  2017  which  saw  143  vessels  sold  for  recycling.  Despite  the  market  moving  slowly,
indications show that developments are moving in the right direction. Activity in both the Platform Supply (“PSV”) and Anchor Handling Tug
Supply  (“AHTS”)  sector  saw  continuous  growth  in  2018,  up  7%  from  the  bottom  seen  during  the  first  half  of  2017.  There  are  significant
differences in regions, with positive signs in rates and utilization seen in the North Sea and in Brazil, with US Gulf and South East Asia seeing
very little movement compared to market conditions at the end of 2017.

The above overviews of the various sectors in which we operate are based on current market conditions. However, market developments cannot
always be predicted and may differ from our current expectations.

Inflation

Most of our time chartered vessels are subject to operating and management agreements that have the charges for these services fixed for the
term of the charter. Thus, although inflation has a moderate impact on our corporate overheads and our vessel operating expenses, we do not
consider  inflation  to  be  a  significant  risk  to  direct  costs  in  the  current  and  foreseeable  economic  environment.    In  addition,  in  a  shipping
downturn,  costs  subject  to  inflation  can  usually  be  controlled  because  shipping  companies  typically  monitor  costs  to  preserve  liquidity  and
encourage suppliers and service providers to lower rates and prices in the event of a downturn.

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Results of Operations

Document

Year ended December 31, 2018, compared with year ended December 31, 2017

Net income for the year ended December 31, 2018, was $73.6 million, a decrease of 27.3% from the year ended December 31, 2017.

(in thousands of $)

Total operating revenues

Gain/(loss) on sale of assets and termination of charters

Gain/(loss) on sale of subsidiaries and disposal groups

Total operating expenses

Net operating income

Interest income

Interest expense

Gain/(loss) on purchase of  bonds

Other non-operating items (net)

Equity in earnings of associated companies

Net income

2018   
418,712   
(2,578)  
7,613   
306,132   
117,615   
17,951   
(113,886)  
1,146   
36,161   
14,635   
73,622   

2017 
380,878 
1,124 
— 
227,376 
154,626 
19,330 
(90,414)

(2,305)

(3,794)
23,766 
101,209 

Net  operating  income  for  the  year  ended  December  31,  2018,  was  $117.6  million,  compared  with  $154.6  million  for  the  year  ended
December  31,  2017.  The  decrease  was  principally  due  to  vessel  impairment  charges  recorded  against  four  VLCCs  and  five  offshore  supply
vessels and a net loss on disposal of seven vessels offset by a gain on disposal of the subsidiary owning the jack-up rig Soehanah. Overall net
income for 2018  decreased  by $27.6 million  compared  with 2017  mainly  due  to  the  decrease  in  net  operating  income,  an  increase  in  interest
expense  and  lower  earnings  from  equity  accounted  associated  companies.  This  was  offset  by  an  increase  in  mark-to  market  gain  on  equity
securities and gains on the divestment of bonds and shares in Golden Close.

Three ultra-deepwater drilling units were accounted for under the equity method during 2018 and 2017. The operating revenues of the wholly-
owned subsidiaries owning these assets are included under "equity in earnings of associated companies", where they are reported net of operating
and non-operating expenses.  

Operating revenues

(in thousands of $)

Direct financing lease interest income

Finance lease service revenues

Profit sharing revenues

Time charter revenues

Bareboat charter revenues

Voyage charter revenues

Other operating income

Total operating revenues

2018   
39,678   
22,095   
1,779   
292,726   
36,222   
24,339   
1,873   
418,712   

2017 
38,265 
35,010 
5,814 
238,409 
40,596 
21,037 
1,747 
380,878 

Total operating revenues increased by 9.9% in the year ended December 31, 2018, compared with the year ended December 31, 2017.

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Direct financing and sales-type lease interest income arises on the Company's crude oil tankers on charter to Frontline Shipping, one offshore
support vessel on charter to the Solstad Charterer and 20 container vessels on charter to MSC. In general, direct financing lease interest income
reduces over the terms of our leases, as progressively a lesser proportion of the lease rental payment is allocated to interest income and a greater
proportion is treated as repayment on the lease. The $1.4 million increase in direct finance lease interest income from 2017 to 2018 is mainly a
result of the addition of 15 second hand feeder size container vessels acquired in 2018. In addition two 19,400 TEU container vessels delivered in
December 2018 on long-term charter to MSC contributed marginally to the increase. The increase was offset by the disposal of two Suezmax
tankers in May 2017 and August 2017 and the sale of eight VLCC tankers between March 2017 and December 2018, and a reduction in lease
income for one offshore supply vessel on charter to the Solstad Charterer following agreements to restructure and defer charterhire.

The $12.9 million reduction in finance lease service revenue arose as a result of the sale of the eight VLCCs and two Suezmax tankers previously
on charter to Frontline Shipping.

We have a profit sharing arrangement with Frontline Shipping whereby the Company earns a 50% share of profits earned by the vessels above
threshold  levels.  The  Company  earned  and  recognized  profit  sharing  revenue  under  this  arrangement  of  $1.5  million  in  the  year  ended
December 31, 2018 compared with $5.6 million in 2017. The decrease is attributable to a less favorable tanker market in 2018 and also fewer
vessels on charter to Frontline Shipping. In addition, the Company has eight dry bulk carriers operating on time-charters to the Golden Ocean
Charterer, which includes profit sharing arrangements whereby the Company earns a 33% share of profits earned by the vessels above threshold
levels. In the year ended December 31, 2018, the Company earned $0.2 million income under this arrangement compared with $0.2 million profit
share in 2017.

In  addition,  we  had  a  profit  sharing  agreement  on  one  of  our  two  Suezmax  tankers  trading  in  a  pool  together  with  two  tankers  owned  by
Frontline, which earned us nil profit share income in 2018 compared with $0.1 million in 2017.

Following  amendments  made  to  agreements  in  2016,  we  also  have  a  profit  share  arrangement  relating  to  the  five  offshore  supply  vessels  on
charter to the Solstad Charterer, whereby the Company is entitled to a 50% profit share above the base charter rates, calculated and paid on a
quarterly basis on a vessel by vessel basis. No profit share revenue was earned by the vessels in 2018 or in 2017 as all five vessels are in lay-up.

During 2018, time charter revenues were earned by 15 container vessels, two car carriers, 22 dry bulk carriers, one Suezmax tanker and two oil
product tankers. The $54.3 million increase in time charter revenues in 2018 compared with 2017, was mainly due to the addition of three 10,600
TEU  container  vessels  in  September  and  October  2018,  four  13,800  TEU  container  vessels  in  May  2018,  as  well  as  the  addition  of  two  oil
product  tankers  delivered  from  the  shipyard  in  August  2017.  These  increases  to  time  charter  revenues  were  partly  offset  by  the  Suezmax,
Everbright earning time charter revenue for the full year 2017 but only partially in the same period in 2018 due to the return of the vessel to
voyage chartering following the expiry of a two-year time charter contract in February 2018.

Bareboat charter revenues are earned by our vessels and rigs which are leased under operating leases on a bareboat basis. In 2018 and 2017, these
consisted  of  four  offshore  support  vessels,  two  chemical  tankers,  one  jack-up  drilling  rig,  two  1,700  TEU  container  vessels,  two  5,800  TEU
container vessels and seven 4,100 TEU container vessels. The $4.4 million decrease in bareboat charter revenues is mainly due to decrease in
bareboat  charter  revenues  was  mainly  due  to  lower  revenues  recorded  for  the  four  offshore  support  vessels.  The  decrease  in  bareboat  charter
revenue  was  partially  offset  by  the  jack-up  drilling  rig  Soehanah,  which  earned  $3.6  million  in  bareboat  revenue  in  2018  compared  to  $1.9
million in 2017. The rig was sold on December 31, 2018.

Two of our vessels, the Suezmax tankers Everbright and Glorycrown, and four Handysize dry bulk carriers operated on a voyage charter basis
during 2018. In 2017, five Handysize dry bulk carriers and one of the Suezmax tankers operated on a voyage charter basis. The $3.3 million
increase in voyage charter revenues from 2017 to 2018 is mainly attributable to the trading patterns of the two Suezmax tankers trading in a pool
together with two tankers owned by Frontline. During the year ended December 31, 2018, there was an increase in voyage charter revenue from
Everbright,  which  returned  to  voyage  chartering  during  the  year  as  described  above.  The  Everbright  increase  was  partly  offset  by  a  slight
decrease in voyage charter income from Glorycrown. The 2018 increase in voyage charter revenues, compared to 2017, was also partially offset
by a decrease resulting from the trading patterns of certain Handysize dry bulk carriers which earned more time charter revenues than voyages
charter revenues.

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Cash flows arising from direct financing leases

The  following  table  analyzes  our  cash  flows  from  the  direct  financing  leases  with  Frontline  Shipping,  the  Solstad  charterer,  and  MSC  during
2018 and 2017, and shows how they are accounted for:

(in thousands of $)

Charterhire payments accounted for as:

Direct financing and sales-type lease interest income

Finance lease service revenues

Direct financing lease repayments

Total direct financing and sales-type lease payments received

2018   

2017 

39,678   
22,095   
33,486   
95,259   

38,265 
35,010 
31,929 
105,204 

Gain/(loss) on sale of assets and termination of charters

In 2018, a net loss of $2.6 million was recorded, arising from the disposals of six crude oil tankers previously on charter to Frontline Shipping,
and one container vessel, SFL Avon, sold in May 2018. In 2017, a net gain of $1.1 million was recorded, arising from the disposals of four crude
oil tankers, the commencement of a sales-type lease for the 1,700 TEU container vessel MSC Alice  and  the  early  termination  of  the  previous
charter for the jack-up drilling rig Soehanah. (see Note 8: Gain/(loss) on sale of assets and termination of charters).

Gain/(loss) on sale of subsidiaries and disposal groups

In December 2018, the Company entered into an agreement to sell 100% of the share capital of Rig Finance Limited ("Rig Finance"), a wholly
owned subsidiary, to an unrelated third party. Rig Finance owned the jack-up drilling rig Soehanah resulting in a net gain of $7.6 million on the
sale.

Operating expenses

(in thousands of $)

Vessel operating expenses

Depreciation

Vessel impairment charge

Administrative expenses

2018   
128,548   
104,079   
64,338   
9,167   
306,132   

2017 
131,794 
88,150 
— 
7,432 
227,376 

Vessel operating expenses include operating and occasional voyage expenses for the container vessels, dry bulk carriers, product tankers and car
carriers operated on a time charter basis and managed by related and unrelated parties, and also voyage expenses from our two Suezmax tankers
trading in a pool together with two tankers owned by Frontline and certain Handysize dry bulk carriers operating in the spot market during 2018.
In  addition,  vessel  operating  expenses  include  payments  to  Frontline  Management  of  $9,000  per  day  for  each  vessel  chartered  to  Frontline
Shipping  and  also  payments  to  Golden  Ocean  Management  of  $7,000  per  day  for  each  vessel  chartered  the  Golden  Ocean  Charterer,  in
accordance with the vessel management agreements.

Vessel operating expenses decreased by $3.2 million in 2018, compared with 2017. The decrease is mainly due to the disposal of two Suezmax
tankers in May 2017 and August 2017 and the sale of eight VLCC tankers between March 2017 and December 2018, as described above, from
the fleet of crude oil tankers on charter to Frontline Shipping. The decrease was partly offset by the two oil product tankers delivered from the
shipyard in August 2017 and the increases in expenses from the addition of three 10,600 TEU container vessels in September and October 2018,
four 13,800 TEU container vessels in May 2018.

Depreciation expenses relate to the vessels on charters accounted for as operating leases and on voyage charters. The increase in depreciation by
$15.9 million for 2018 compared with 2017, was mainly due to the addition of the two product tankers, SFL Trinity and SFL Sabine delivered to
the Company in August 2017, the acquisition of four 13,800 TEU container vessels in May 2018 and the addition of three 10,600 TEU container
vessels in September and October 2018. The increase was partially offset by a decrease in depreciation for the jack-up drilling rig Soehanah,
following the termination of its previous bareboat charter agreement. The basis of the previous higher depreciation was an amortization to an
option price within the terminated agreement.

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During 2018, a review of the carrying value of long-lived assets indicated that the carrying values of four of our VLCCs and five of our offshore
supply vessels were other than temporarily impaired, resulting in an impairment charge of $64.3 million recorded against their carrying values. In
2017, no vessel impairment charge was recorded.

The 23% increase in administrative expenses for 2018, compared with 2017, is mainly due to increased salary costs due to increased headcount.
Increases in professional fees, registration and travel activities also contributed to the higher administrative expenses.

Interest income

Interest income decreased from $19.3 million in 2017 to $18.0 million in 2018,  mainly  due  to  lower  interest  income  from  long  term  loans  to
associated companies as well as interest received on debt securities. This decrease was partly offset by increased interest income from short term
deposits.

Interest expense

(in thousands of $)

Interest on US$ floating rate loans

Interest on NOK 600M floating rate bonds due 2017

Interest on NOK 900M floating rate bonds due 2019

Interest on NOK 500M floating rate bonds due 2020

Interest on NOK 600M floating rate bonds due 2023

Interest on 3.25% convertible bonds due 2018

Interest on 5.75% convertible bonds due 2021

Interest on 4.875% convertible bonds due 2023

Swap interest

Interest on capital lease obligation

Other interest

Amortization of deferred charges

2018   
51,357   
—   
4,597   
3,531   
1,232   
171   
12,926   
5,448   
2,661   
21,775   
—   
10,188   
113,886   

2017 
33,466 
2,082 
4,691 
1,852 
— 
5,107 
12,866 
— 
5,328 
15,982 
26 
9,014 
90,414 

At December  31,  2018,  the  Company,  including  its  consolidated  subsidiaries,  had  total  debt  principal  outstanding  of  $1.5 billion (2017:  $1.5
billion), comprising $77.7 million (NOK672 million) outstanding principal amount of NOK floating rate bonds due 2019 (2017: $92.5 million,
NOK758 million), $57.8 million (NOK500 million) outstanding principal amount of NOK floating rate bonds due 2020 (2017: $61.0 million,
NOK 500 million), $69.4 million (NOK600 million) outstanding principal amount of NOK floating rate bonds due 2023 (2017: $nil, NOKnil),
$nil outstanding principal amount of 3.25% convertible bonds due 2018 (2017: $63.2 million), $212.2 million outstanding principal amount of
5.75% convertible bonds due 2021 (2017: $225.0 million), $151.7 million outstanding principal amount of 4.875% convertible bonds due 2023
(2017: $nil), and $0.9 billion under floating rate secured long term credit facilities (2017: $1.1 billion). In addition, the Company, including its
consolidated subsidiaries, had total capital lease debt obligations outstanding of $1.2 billion (2017: $0.2 billion).

The  average  three-month  US$  London  Interbank  Offered  Rate,  or  LIBOR,  was  2.30%  in  2018  and  1.26%  in  2017.  The  increase  in  interest
expense associated with our floating rate debt for 2018, compared with 2017, is mainly due to the increase in LIBOR for the period and increases
in loans.

The decrease in interest payable on the 3.25% convertible bonds due 2018 and the NOK 600 million floating rate bonds due 2017 is due to their
redemption  in  February  2018  and  July  2017,  respectively.  The  increase  in  interest  payable  on  the  4.875%  convertible  bonds  and  NOK  600
million floating rate bonds due 2023 is due to their issuance in April 2018 and September 2018, respectively.

At December 31, 2018,  the  Company  and  its  consolidated  subsidiaries  were  party  to  interest  rate  swap  contracts,  which  effectively  fixed  our
interest rates on $0.9 billion of floating rate debt at a weighted average rate excluding margin of 2.92% per annum (2017: $1.1 billion of floating
rate debt fixed at a weighted average rate excluding margin of 2.85% per annum).

The above capital lease interest expense represents the interest portion of our capital lease obligations from four (2017: two) chartered-in 19,200
TEU and 19,400 TEU container vessels and from four (2017: nil) 13,800 TEU container vessels acquired in

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May  2018  and  three  (2017:  nil)  10,600  TEU  vessels  that  were  re-financed  through  Japanese  Operating  Leases  with  Call  Option  sale  and
leaseback financing ("JOLCO financing") (see Note: 21: Capital lease obligations and other long-term liabilities).

As reported above, two ultra-deepwater drilling units and one harsh environment jack-up drilling rig were accounted for under the equity method
in 2018 and 2017. Their non-operating expenses, including interest expenses, are not included above, but are reflected in "Equity in earnings of
associated companies" below.

Other non-operating items

In 2018, other non-operating items amounted to a net gain of $36.2 million, compared to a net loss of $3.8 million in 2017. The net gain of $36.2
million for 2018 arose mainly from a gain on the disposal of bonds and shares in Golden Close of $13.5 million, a gain of $12.3 million from the
mark-to-market of equity investments, $13.9 million fair value increase in non-designated derivatives offset by $0.7 million of net cash payments
on non-designated derivatives and a net loss of $2.0 million arising from foreign currency translation (see Note 10: Other financial items).

The net loss of $3.8 million for 2017 arose mainly from $5.1 million of net cash payments on non-designated interest rate swaps, an impairment
loss  recorded  against  available  for  sale  investments  of  $4.4  million  and  $4.5  million  of  foreign  exchange  losses  resulting  mainly  from  the
translation of de-designated NOK bonds. This expense was partly offset by a gain of $8.1 million from positive mark-to-market adjustments to
financial instruments and $3.3 million dividend income received on the Frontline shares (see Note 24: Related party transactions).

Equity in earnings of associated companies

During  2018  and  2017,  the  Company  had  certain  wholly-owned  subsidiaries  accounted  for  under  the  equity  method,  as  discussed  in  the
consolidated  financial  statements  included  herein  (Note  17:  Investment  in  associated  companies).  The  total  equity  in  earnings  of  associated
companies in 2018 was $9.1 million lower than in the comparative period in 2017 mainly due to the reduction in finance lease interest income
recorded by the ultra-deepwater drilling units West Taurus and West Hercules and the harsh environment jack-up drilling rig West Linus. This is
due to the amendments undertaken to the charter contracts for these rigs in connection with the Seadrill Restructuring Plan. Under the terms of
the Restructuring Plan, the Company agreed to reduce the contractual charter hire for each of the three drilling units on charter to the Seadrill
Charterers by approximately 29% for a period of five years with economic effect from January 2018, with the reduced amounts added back in the
period thereafter. The term of the charters for West Hercules and West Taurus was also extended by 13 months until December 2024. In addition,
the purchase obligations in the case of West Hercules and West Taurus and the put option in the case of West Linus at expiry of the charters were
amended.

Year ended December 31, 2017, compared with year ended December 31, 2016

Net income for the year ended December 31, 2017, was $101.2 million, a decrease of 30.9% from the year ended December 31, 2016.

(in thousands of $)

Total operating revenues

Gain/(loss) on sale of assets and termination of charters

Total operating expenses

Net operating income

Interest income

Interest expense

Loss/(gain) on purchase of  bonds

Other non-operating items (net)

Equity in earnings of associated companies

Net income

59

2017   
380,878   
1,124   
(227,376)  

154,626   
19,330   
(90,414)  

(2,305)  

(3,794)  
23,766   
101,209   

2016 
412,951 
(167)

(244,695)

168,089 
21,736 
(71,843)

(8,802)
9,461 
27,765 
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Net  operating  income  for  the  year  ended  December  31,  2017,  was  $154.6  million,  compared  with  $168.1  million  for  the  year  ended
December 31, 2016. The decrease was principally due to lower profit sharing revenues. Overall net income for 2017 decreased by $45.2 million
compared  with  2016  mainly  due  to  the  decrease  in  net  operating  income  and  an  increase  in  interest  expense.  In  addition,  lower  interest  and
dividend  income  from  investments,  exchange  losses  and  costs  arising  from  the  redemption  of  bonds  and  impairment  charges  for  certain
investments included in other non-operating items all contributed to the decrease in overall net income. This was partly offset by an increase in
income from the mark-to-market of derivatives.

Three ultra-deepwater drilling units were accounted for under the equity method during 2017 and 2016. The operating revenues of the wholly-
owned subsidiaries owning these assets are included under "equity in earnings of associated companies", where they are reported net of operating
and non-operating expenses.  

Operating revenues

(in thousands of $)

Direct financing lease interest income

Finance lease service revenues

Profit sharing revenues

Time charter revenues

Bareboat charter revenues

Voyage charter revenues

Other operating income

Total operating revenues

2017   
38,265   
35,010   
5,814   
238,409   
40,596   
21,037   
1,747   
380,878   

2016 
23,181 
44,523 
51,544 
226,748 
45,039 
19,329 
2,587 
412,951 

Total operating revenues decreased by 7.8% in the year ended December 31, 2017, compared with the year ended December 31, 2016.

Direct  financing  and  sales-type  lease  interest  income  arises  on  most  of  our  crude  oil  tankers  on  charter  to  Frontline  Shipping,  one  offshore
support  vessel  on  charter  to  the  Solstad  Charterer  and  three  container  vessels  on  long  term  charter  to  MSC.  In  general,  direct  financing  lease
interest  income  reduces  over  the  terms  of  our  leases,  as  progressively  a  lesser  proportion  of  the  lease  rental  payment  is  allocated  to  interest
income and a greater proportion is treated as repayment on the lease. The $15.1 million increase in direct finance lease interest income from 2016
to 2017 is mainly a result of the addition of the three container vessels on long-term charter to MSC. Two of the vessels are chartered-in 19,200
TEU container vessels, accounted for as finance lease assets, which were delivered in December 2016 and March 2017, respectively. The third
one,  a  1,700  TEU  container  vessel  which  was  previously  an  operating  lease  asset,  is  now  accounted  for  as  a  sales-type  lease  following  the
commencement of a five-year bareboat charter to MSC in April 2017. The increase in direct finance lease interest income was partly offset by
the sale of two Suezmax tankers in May 2017 and August 2017, respectively, in addition to the sale of three VLCC tankers in July 2016, March
2017 and June 2017, respectively, and one offshore support vessel in February 2016, all of which were accounted for as direct financing lease
assets.

The $9.5 million reduction in finance lease service revenue arose as a result of the sale of the three VLCCs and two Suezmax tankers.

We have a profit sharing arrangement with Frontline Shipping whereby the Company earns a 50% share of profits earned by the vessels above
threshold  levels.  The  Company  earned  and  recognized  profit  sharing  revenue  under  this  arrangement  of  $5.6  million  in  the  year  ended
December 31, 2017 compared with $50.9 million in 2016. The decrease is attributable to a less favourable tanker market in 2017 and also fewer
vessels on charter to Frontline Shipping. In addition, the Company has eight dry bulk carriers operating on time-charters to the Golden Ocean
Charterer, which includes profit sharing arrangements whereby the Company earns a 33% share of profits earned by the vessels above threshold
levels. In the year ended December 31, 2017, the Company earned $0.2 million income under this arrangement compared with no profit share in
2016. We also had a profit sharing agreement relating to dry bulk carriers chartered to UFC in 2016, which earned us $0.6 million in 2016. In
2017, we did not have any vessels on charter to UFC.

In  addition,  we  had  a  profit  sharing  agreement  on  one  of  our  two  Suezmax  tankers  trading  in  a  pool  together  with  two  tankers  owned  by
Frontline, which earned us $0.1 million in 2017 compared with $0.1 million in 2016.

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Following  amendments  made  to  agreements  in  2016,  we  also  have  a  profit  share  arrangement  relating  to  the  five  offshore  supply  vessels  on
charter to the Solstad Charterer, whereby the Company is entitled to a 50% profit share above the base charter rates, calculated and paid on a
quarterly basis on a vessel by vessel basis. No profit share revenue was earned by the vessels in 2017 or in 2016 as all five vessels are in lay-up.

During 2017, time charter revenues were earned by eight container vessels, two car carriers, 22 dry bulk carriers, one Suezmax tanker and two oil
product tankers. The $11.7 million increase in time charter revenues in 2017 compared with 2016, was mainly due to the addition of the two
product tankers delivered from the shipyard in August 2017 and also due to a full year of earnings in 2017 from two of the three 9,300 - 9,500
TEU  container  vessels  that  commenced  time  charter  contracts  in  February  2016  and  May  2016,  respectively.  These  increases  to  time  charter
revenues were partly offset by the 1,700 TEU container vessel, MSC Alice earning time charter revenue in 2016 but none in the same period in
2017.

Bareboat charter revenues are earned by our vessels and rigs which are leased under operating leases on a bareboat basis. In 2017 and 2016, these
consisted  of  four  offshore  support  vessels,  two  chemical  tankers,  one  jack-up  drilling  rig,  two  1,700  TEU  container  vessels,  two  5,800  TEU
container vessels and seven 4,100 TEU container vessels. The $4.4 million decrease in bareboat charter revenues is mainly due to the jack-up
drilling rig Soehanah, which earned $1.8 million lower bareboat revenue in 2017 compared with 2016. The rig received no charter hires during
the first quarter of 2017 and was redelivered to us in April 2017, following a full 10-year special survey paid for by the previous charterer. In
June 2017, the rig commenced a drilling contract with a national oil company in Asia for a period of 12 months, with an option to extend the
charter by an additional 12 months. In addition, amendments to the charter agreements of the offshore support vessels on charter to the Solstad
Charterer, which were effective from June 2016 and July 2017, respectively, also resulted in a reduction in bareboat charter revenue.

Two of our vessels, the Suezmax tankers Everbright and Glorycrown, and four Handysize dry bulk carriers operated on a voyage charter basis
during 2016. In 2017, five Handysize dry bulk carriers and one of the Suezmax tankers operated on a voyage charter basis. The $1.7 million
increase in voyage charter revenues from 2016 to 2017 is predominantly due to the additional Handysize dry bulk carriers commencing trading
on a voyage charter basis in 2017 partly offset by one of the two Suezmax tankers previously trading on a voyage charter basis commencing a
time charter contract part way through 2016.

Cash flows arising from direct financing leases

The  following  table  analyzes  our  cash  flows  from  the  direct  financing  leases  with  Frontline  Shipping,  the  Solstad  charterer,  and  MSC  during
2017 and 2016, and shows how they are accounted for:

(in thousands of $)

Charterhire payments accounted for as:

Direct financing and sales-type lease interest income

Finance lease service revenues

Direct financing lease repayments

Total direct financing and sales-type lease payments received

2017   

2016 

38,265   
35,010   
31,929   
105,204   

23,181 
44,523 
30,410 
98,114 

The  vessels  chartered  on  direct  financing  leases  to  Frontline  Shipping,  are  leased  on  time-charter  terms,  where  we  are  responsible  for  the
management and operation of such vessels. This has been effected by entering into fixed price agreements with Frontline Management whereby
we pay them management fees of $9,000 per day for each vessel chartered to Frontline Shipping. Accordingly, $9,000 per day is allocated from
each  time  charter  payment  received  from  Frontline  Shipping  to  cover  lease  executory  costs,  and  this  is  classified  as  "finance  lease  service
revenue". If any vessel chartered on a direct financing lease to Frontline Shipping is sub-chartered on a bareboat basis, then the charter payments
for that vessel are reduced by $9,000 per day for the duration of the bareboat sub-charter.

Gain/(loss) on sale of assets and termination of charters

In 2017, a net gain of $1.1 million was recorded, arising from the disposals of four crude oil tankers, the commencement of a sales-type lease for
the 1,700 TEU container vessel MSC Alice and the early termination of the previous charter for the jack-up drilling rig Soehanah. (see Note 8:
Gain/(loss) on sale of assets and termination of charters). In 2016, a loss of $0.2 million was recorded on the disposals of the offshore supply
vessel Sea Bear, sold in February 2016 and the VLCC Front Vanguard in July 2016.

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Operating expenses

(in thousands of $)

Vessel operating expenses

Depreciation

Vessel impairment charge

Administrative expenses

2017   
131,794   
88,150   
—   
7,432   
227,376   

2016 
136,016 
94,293 
5,314 
9,072 
244,695 

Vessel operating expenses consist of payments to Frontline Management of $9,000 per day for each vessel chartered to Frontline Shipping and
also  payments  to  Golden  Ocean  Management  of  $7,000  per  day  for  each  vessel  chartered  to  Golden  Ocean  Charterer,  in  accordance  with  the
vessel  management  agreements.  In  addition,  vessel  operating  expenses  include  operating  and  occasional  voyage  expenses  for  the  container
vessels, dry bulk carriers, product tankers and car carriers operated on a time charter basis and managed by related and unrelated parties, and also
voyage expenses from our two Suezmax tankers trading in a pool together with two tankers owned by Frontline and certain Handysize dry bulk
carriers operating in the spot market during 2017.

Vessel  operating  expenses  decreased  by  $4.2  million  in  2017,  compared  with  2016.  The  decrease  is  mainly  due  to  the  sale  of  five  tankers
between July 2016 and August 2017, described above, from the fleet of crude oil tankers on charter to Frontline Shipping. The decrease was
partly offset by the two product tankers delivered from the shipyard in August 2017 and the increases in voyage expenses from the net additional
increase in Handysize dry bulk carriers that commenced trading on a voyage charter basis during the period.

Depreciation expenses relate to the vessels on charters accounted for as operating leases and on voyage charters. The decrease in depreciation by
$11.5 million for 2017 compared with 2016, is mainly due to a lower depreciation charge on the jack-up drilling rig Soehanah, following the
termination  of  its  previous  bareboat  charter  agreement.  The  basis  of  the  previous  higher  depreciation  was  an  amortization  to  an  option  price
within the terminated agreement.

During 2016, a review of the carrying value of long-lived assets indicated that the carrying values of one of our VLCCs, the sale of which was
agreed in 2016 and which was delivered to its new owner in March 2017, and one of our 1,700 TEU container vessels were impaired and an
impairment charge was taken. In 2017, no vessel impairment charge was recorded.

The 18% decrease in administrative expenses for 2017, compared with 2016, is mainly due to reduced salary costs, office costs, marketing and
investor relations costs and service administration fees.

Interest income

Interest income decreased from $21.7 million in 2016 to $19.3 million in 2017, due to lower interest income from long term loans to associated
companies.  The  decrease  in  the  interest  income  from  associates  was  partly  offset  by  increased  interest  income  from  corporate  bonds  held  as
available-for-sale securities and interest income from short term deposits.

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Interest expense

(in thousands of $)

Interest on US$ floating rate loans

Interest on NOK floating rate bonds due 2017

Interest on NOK floating rate bonds due 2019

Interest on NOK floating rate bonds due 2020

Interest on 3.75% convertible bonds due 2016

Interest on 3.25% convertible bonds due 2018

Interest on 5.75% convertible bonds due 2021

Swap interest

Interest on capital lease obligation

Other interest

Amortization of deferred charges

2017   
33,466   
2,082   
4,691   
1,852   
—   
5,107   
12,866   
5,328   
15,982   
26   
9,014   
90,414   

2016 
29,032 
4,152 
4,697 
— 
329 
10,093 
3,127 
9,165 
246 
30 
10,972 
71,843 

At  December  31,  2017,  the  Company,  including  its  consolidated  subsidiaries,  had  total  debt  principal  outstanding  of  $1.5  billion  (2016:  $1.6
billion), comprising $92.5 million (NOK758 million) outstanding principal amount of NOK floating rate bonds due 2019 (2016: $87.8 million,
NOK758 million), $61.0 million (NOK 500 million) outstanding principal amount of NOK floating rate bonds due 2020 (2016: $nil, NOKnil),
$63.2 million outstanding principal amount of 3.25% convertible bonds due 2018 (2016: $184.2 million), $225.0 million outstanding principal
amount  of  5.75%  convertible  bonds  due  2021  (2016:  $225.0  million),  and  $1.1  billion  under  floating  rate  secured  long  term  credit  facilities
(2016: $1.0 billion).

The  average  three-month  US$  London  Interbank  Offered  Rate,  or  LIBOR,  was  1.26%  in  2017  and  0.74%  in  2016.  The  increase  in  interest
expense associated with our floating rate debt for 2017, compared with 2016, is mainly due to the increase in LIBOR for the period.

The decrease in interest payable on the 3.75% convertible bonds and the NOK600 million floating rate bonds due 2017 is due to their redemption
in February 2016 and July 2017, respectively. The decrease in interest payable on the 3.25% convertible bonds is due to repurchases in October
2016  and  partial  conversion  in  October  2017.  The  increase  in  interest  payable  on  the  5.75%  convertible  bonds  and  NOK  500  million  senior
secured bonds is due to their issuance in October 2016 and June 2017, respectively.

At  December  31,  2017,  the  Company  and  its  consolidated  subsidiaries  were  party  to  interest  rate  swap  contracts,  which  effectively  fix  our
interest rates on $1.1 billion of floating rate debt at a weighted average rate excluding margin of 2.85% per annum (2016: $1.2 billion of floating
rate debt fixed at a weighted average rate excluding margin of 2.74% per annum).

In October 2015, we entered into agreements to charter in two 19,200 TEU container vessels on a bareboat basis, each for a period of 15 years
from delivery by the shipyard, and to charter out each vessel for the same 15 year period. The first of these vessels was delivered in December
2016 and the second one was delivered in March 2017. These vessels are accounted for as direct financing lease assets. The above capital lease
interest expense represents the interest portion of our capital lease obligations from chartering-in these vessels from their third party owners.

As reported above, two ultra-deepwater drilling units and one harsh environment jack-up drilling rig were accounted for under the equity method
in 2017 and 2016. Their non-operating expenses, including interest expenses, are not included above, but are reflected in "Equity in earnings of
associated companies" below.

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Other non-operating items

In 2017, other non-operating items amounted to a net loss of $3.8 million, compared to a net gain of $9.5 million in 2016. The net loss of $3.8
million for 2017 arose mainly from $5.1 million of net cash payments on non-designated interest rate swaps, an impairment loss recorded against
available for sale investments of $4.4 million and $4.5 million of foreign exchange losses resulting mainly from the translation of de-designated
NOK bonds. This expense was partly offset by a gain of $8.1 million from positive mark-to-market adjustments to financial instruments and $3.3
million dividend income received on the Frontline shares (see Note 24: Related party transactions).

The net gain of $9.5 million in 2016 mainly consists of a gain of $3.9 million from mark-to-market adjustments to financial instruments and
$11.6 million dividend income received on the Frontline shares. The net gain was partly offset by $4.9 million cash payments on non-designated
interest rate swaps.

Equity in earnings of associated companies

During  2017  and  2016,  the  Company  had  certain  wholly-owned  subsidiaries  accounted  for  under  the  equity  method,  as  discussed  in  the
consolidated  financial  statements  included  herein  (Note  17:  Investment  in  associated  companies).  The  total  equity  in  earnings  of  associated
companies in 2017 was $4.0 million lower than in the comparative period in 2016 mainly due to the reduction in finance lease interest income
recorded by the ultra-deepwater drilling units West Taurus and West Hercules and the harsh environment jack-up drilling rig West Linus.

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B. LIQUIDITY AND CAPITAL RESOURCES

We  operate  in  a  capital  intensive  industry.  Our  purchase  of  the  tankers  in  the  initial  transaction  with  Frontline  was  financed  through  a
combination  of  debt  issuances,  a  deemed  equity  contribution  from  Frontline  and  borrowings  from  commercial  banks.    Our  subsequent
acquisitions have been financed through a combination of our own equity and term loans, lease financing and revolving credit facilities from
commercial banks. Providers of such borrowings generally require that the loans be secured by mortgages against the assets being acquired, and
at December 31, 2018, substantially all of our vessels and drilling units are pledged as security or are held as capital leases. However, in common
with many other companies, we also have unsecured borrowings as shown below. Providers of unsecured financing do so on the basis of the
Company's assets and liabilities, cash flows, operating results and other factors, all of which affect the terms on which such unsecured financing
is available. In general, unsecured financing is more expensive than borrowings secured against collateral.

Our  liquidity  requirements  relate  to  servicing  our  debt,  funding  the  equity  portion  of  investments  in  vessels,  funding  working  capital
requirements and maintaining cash reserves against fluctuations in operating cash flows. Revenues from our time charters and bareboat charters
are  received  15  days  in  advance,  monthly  in  advance,  or  monthly  in  arrears.  Vessel  management  and  operating  fees  are  payable  monthly  in
advance for vessels chartered to Frontline Shipping and the Golden Ocean Charterer, and as incurred for other time-chartered vessels.

Our  funding  and  treasury  activities  are  conducted  within  corporate  policies  to  maximize  investment  returns  while  maintaining  appropriate
liquidity for both our short and long-term needs. This includes arranging borrowing facilities on a cost-effective basis. Cash and cash equivalents
are held primarily in U.S. dollars, with minimal amounts held in Norwegian Kroner and Pound Sterling.

Surplus  funds  may  be  deployed  to  acquire  equity  or  debt  interests  in  other  companies,  with  the  aim  of  generating  competitive  returns.  Such
investments may also utilize credit facilities arranged specifically to facilitate such investment.

Our short-term liquidity requirements relate to servicing our debt and funding working capital requirements, including required payments under
our  management  agreements  and  administrative  services  agreements.  Sources  of  short-term  liquidity  include  cash  balances,  short-term
investments, available amounts under revolving credit facilities and receipts from our charters. We believe that our cash flow from the charters
will be sufficient to fund our anticipated debt service and working capital requirements for the short and medium term.

Our  long-term  liquidity  requirements  include  funding  the  equity  portion  of  investments  in  new  vessels,  and  repayment  of  long-term  debt
balances, including those relating to the following loan agreements of the Company and its consolidated subsidiaries as at 31 December 2018:

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- NOK900 million senior unsecured bonds due 2019

- NOK500 million senior unsecured bonds due 2020

- 5.75% senior unsecured convertible bonds due 2021

- NOK600 million senior unsecured bonds due 2023

- 4.875% senior unsecured convertible bonds due 2023

- $17.5 million secured term loan facility due 2023

- $45 million secured term loan and revolving credit facility due 2019

- $75 million secured term loan facility due 2019

- $20 million secured term loan facility due 2019

- $43 million secured term loan facility due 2019

- $43 million secured term loan facility due 2020

- $101 million secured term loan facility due 2023

- $128 million secured term loan facility due 2021

- $210 million secured term loan facility due 2021

- $128 million secured term loan facility due 2022

- $171 million secured loan facility due 2023

- $39 million secured term loan facility due 2022

- $166 million secured term loan facility due 2022

- $76 million secured term loan facility due 2024

- $50 million secured term credit facility due 2025

Our long-term liquidity requirements also include repayment of the following long-term loan agreements of our equity-accounted subsidiaries:

-
-
-

$390 million secured term loan and revolving credit facility due 2022
$375 million secured term loan and revolving credit facility due 2023     
$475 million secured term loan and revolving credit facility due 2023

The above long-term loan agreements in our equity accounted subsidiaries relate to the three drilling units on charter to the Seadrill Charterers.

The main security provided under the secured credit facilities include (i) guarantees from subsidiaries, as well as instances where the Company
guarantees  all  or  part  of  the  loans,  (ii)  a  first  priority  pledge  over  all  shares  of  the  relevant  asset  owning  subsidiaries  and  (iii)  a  first  priority
mortgage over the relevant collateral assets which includes substantially all of the vessels and the drilling units that are currently owned by the
Company as at December 31, 2018, excluding three 1,700 TEU container vessels, two car carriers, two chemical tankers and three VLCCs.

At December 31, 2018, the Company had no commitments under contracts to acquire newbuilding vessels (2017: $nil).

As at December 31, 2018, the Company had committed $3.4 million towards the procurement of exhaust gas cleaning systems ("EGCS”) on four
of its oil tankers (2017: $nil). There were no other material contractual commitments as at December 31, 2018.

In addition, 11 (2017: two) subsidiaries had lease liabilities totaling $1,172.1 million at December 31, 2018 (2017: $239.6 million) related to the
charter-in of 11 (2017: two) container vessels, nine of which were delivered during 2018.

We expect that we will require additional borrowings or issuances of equity in the long term to meet our capital requirements.

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As of December 31, 2018, we had cash and cash equivalents of $211.4 million (2017: $153.1 million). In addition, we had $nil net available to
draw  under  secured  revolving  credit  facilities  as  of  December  31,  2018.  The  availability  of  such  amounts  under  the  secured  revolving  credit
facilities,  is  subject  to  compliance  with  the  loan  covenants  under  the  relevant  agreements  at  the  time  of  drawdown.  Although  we  were  in
compliance with such loan covenants as of December 31, 2018, we cannot guarantee that we will be in compliance in the future, and the amounts
may  therefore  not  be  available  to  draw,  reducing  our  available  liquidity.  In  the  year  ended  December  31,  2018,  we  generated  cash  of  $201.0
million net from operations, used $866.6 million net in investing activities and generated $724.9 million net from financing activities.

Cash flows provided by operating activities for 2018 increased to $201.0 million, from $177.8 million for 2017,  mainly  due  to  changes  in  net
operating income and timing of charter hire, profit share and other related receivables.

Investing activities used $866.6 million in 2018, compared with $48.4 million generated in 2017. The higher cash used in investing activities is
mainly due to $1,137.7 million of vessels purchased in 2018 compared with $81.7 million spent on the acquisition of newbuildings in 2017. In
addition,  $24.2  million  was  paid  to  associated  companies  in  2018  to  prepay  two  of  the  loans  compared  with  $27.3  million  received  from
associated companies in 2017. The current year increase in cash used in investing activities was partly offset by higher proceeds from the sale of
assets and charter terminations by $70.9 million in 2018 compared with 2017 and net cash proceeds of $83.5 million received from the sale of
the subsidiary owing the jack-up drilling rig Soehanah.

Net cash provided by financing activities for 2018 was $724.9 million, compared to $135.5 million net cash used in 2017. The $860.4 million
difference in cash provided by financing activities was primarily due to $944.1 million financing received from the sale and leaseback of nine
vessels. This was partially offset by $75.5 million less proceeds from issuance of debt net of repayments. In 2018, the Company repurchased and
redeemed $97.2 million of our NOK and convertible bonds compared with $68.4 million in 2017. In addition, $29.2 million was paid in 2017 in
connection with the settlement of the cross currency swap following its repurchase compared with no settlements in 2018.

During the year ended December 31, 2018, we paid four dividends totaling $1.40 per common share (2017: four dividends totaling $1.60  per
common share), or a total of $149 million (2017: $153 million). All dividends paid in 2018 and 2017 were cash payments.

Borrowings

As  of  December  31,  2018,  we  had  total  short-term  and  long-term  debt  outstanding  of  $1.5  billion  (2017:  $1.5  billion).    In  addition,  as  of
December  31,  2018,  our  wholly-owned  equity  accounted  subsidiaries  SFL  Deepwater  Ltd.,  or  SFL  Deepwater,  SFL  Hercules  Ltd.,  or  SFL
Hercules,  and  SFL  Linus  Ltd.,  or  SFL  Linus,  had  long  term  debt  of  $204 million, $210 million,  and  $241  million,  respectively  (2017:  $226
million, $251 million and $309 million, respectively). These three subsidiaries are accounted for using the equity method, and their outstanding
long-term debt is not included in the long-term debt shown on our consolidated balance sheet.

The following table presents an overall summary of our borrowings as at December 31, 2018:

(in millions of $)

Unsecured borrowings:

NOK900 million bonds due 2019

NOK500 million bonds due 2020

5.75% convertible bonds due 2021

NOK600 million bonds due 2023

4.875% senior unsecured convertible bonds due 2023

Total unsecured borrowings

U.S. dollar denominated floating rate debt due through 2025

Total borrowings of Company and consolidated subsidiaries

Equity accounted subsidiaries: Loan facilities secured with mortgages on vessels and rigs

Total borrowings

67

December 31, 2018

Outstanding
balance on loan   

Net amount
available to
draw 

77.7   
57.8   
212.2   
69.4   
151.7   
568.8   
891.5   
1,460.3   
655.2   
2,115.5   

— 
— 
— 
— 
— 
— 
— 
— 
— 
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As of December 31, 2018, there was no net available funds to draw under secured revolving credit facilities. The availability of such amounts
under  the  secured  revolving  credit  facilities,  is  subject  to  compliance  with  the  loan  covenants  under  the  relevant  agreements  at  the  time  of
drawdown.  Although  we  were  in  compliance  with  such  loan  covenants  as  of  December  31,  2018,  we  cannot  guarantee  that  we  will  be  in
compliance in the future, and the amounts may therefore not be available to draw, reducing our available liquidity.

In  February  2010,  a  subsidiary  entered  into  a  $43  million  secured  term  loan  facility  with  a  bank.  The  proceeds  of  the  facility  were  used  to
partially  finance  the  Suezmax  tanker  Glorycrown.  At  December  31,  2018,  the  amount  outstanding  under  the  facility  was  $17.8  million.  The
facility bears interest of LIBOR plus a margin and originally had a term of approximately five years. In November 2014, the terms of the loan
were amended and restated, and the facility now matures in November 2019. The facility is secured by the subsidiary's assets and a guarantee
from  Ship  Finance  International  Limited.  The  facility  contains  a  minimum  value  covenant  and  covenants  that  require  us  to  maintain  certain
minimum levels of free cash, working capital and adjusted book equity ratios.

In March 2010, a subsidiary entered into a $43 million secured term loan facility with a bank. The proceeds of the facility were used to partially
finance the Suezmax tanker Everbright. At December 31, 2018, the amount outstanding under this facility was $17.8 million. The facility bears
interest of LIBOR plus a margin and originally had a term of five years. In March 2015, the terms of the loan were amended and restated, and the
facility now matures in March 2020. The facility is secured by the subsidiary's assets and a guarantee from Ship Finance International Limited.
The facility contains a minimum value covenant and covenants that require us to maintain certain minimum levels of free cash, working capital
and adjusted book equity ratios.

In March 2011, three subsidiaries entered into a $75 million secured term loan facility with a bank. The proceeds of the facility were used to
partly  fund  the  acquisition  of  three  Supramax  dry  bulk  carriers.  At  December 31, 2018,  the  amount  outstanding  under  this  facility  was  $32.7
million.  The  facility  bears  interest  at  LIBOR  plus  a  margin  and  has  a  term  of  approximately  eight  years.  The  facility  is  secured  against  the
subsidiaries' assets and a limited guarantee from Ship Finance International Limited. The facility contains a minimum value covenant, which is
only applicable if there is a default under the charters attached to the vessels or one year prior to expiry of the charters, whichever falls earlier.
The facility also contains covenants that require us to maintain certain minimum levels of free cash, working capital and adjusted book equity
ratios.

In May 2011, eight subsidiaries entered into a $171 million secured loan facility with a syndicate of banks. The facility is supported by China
Export & Credit Insurance Corporation, or SINOSURE, which has provided an insurance policy in favor of the banks for part of the outstanding
loan. The facility is secured by seven Handysize dry bulk carriers. At December 31, 2018, the amount outstanding under this facility was $73.7
million. The facility bears interest at LIBOR plus a margin and has a term of approximately ten years from delivery of each vessel. The facility is
secured against the subsidiaries' assets and a guarantee from Ship Finance International Limited.

In March 2014, we issued NOK900 million senior unsecured bonds. The bonds bear interest at NIBOR plus a margin and are redeemable in full
in March 2019. Subsequent to the issue of the bonds, we have made net purchases of bonds with principal amounts totaling NOK142 million,
which are being held as treasury bonds. At December 31, 2018, the amount outstanding was NOK672.0 million, equivalent to $77.7 million. The
bonds may, in their entirety, be redeemed at our option from September 19, 2018, upon giving bondholders at least 30 business days' notice and
paying 100.50% of par value plus accrued interest. The bond agreement contains covenants that require us to maintain certain minimum levels of
free cash, working capital and adjusted book equity ratios.

In  June  2014,  seven  subsidiaries  entered  into  a  $45  million  secured  term  loan  and  revolving  credit  facility  with  a  bank.  The  proceeds  of  the
facility were used to partly fund the acquisition of seven 4,100 TEU container vessels. At December 31, 2018, the amount outstanding under this
facility was $45.0 million, and the available amount under the revolving part of the facility was $nil. The facility bears interest at LIBOR plus a
margin  and  has  a  term  of  five  years.  The  facility  is  secured  against  the  subsidiaries'  assets  and  a  guarantee  from  Ship  Finance  International
Limited. The facility contains a minimum value covenant, which is only applicable if there is an early termination of any of the charters attached
to the vessels, or six months prior to expiry of the charters, whichever falls earlier. The facility also contains covenants that require us to maintain
certain minimum levels of free cash, working capital and adjusted book equity ratios.

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In  August  2014,  six  subsidiaries  entered  into  a  $101  million  secured  term  loan  facility,  secured  against  six  offshore  support  vessels.  At
December 31, 2018, the amount outstanding under this facility is $44.1 million. The facility bears interest at LIBOR plus a margin and has a term
of approximately five years. In October 2017, certain amendments were made to the agreement, including an extension of the final maturity date
until January 2023. The facility contains a minimum value covenant, which is applicable from January 2021, and covenants that require us to
maintain certain minimum levels of free cash, working capital and adjusted book equity ratios. The facility also contains covenants that require
Solship (formerly Deep Sea) to maintain certain minimum levels of liquidity and working capital. One of the vessels was sold in February 2016
and the facility is now secured against the remaining five vessels and a limited guarantee from Ship Finance International Limited.

In September 2014, two subsidiaries entered into a $20 million secured term loan facility with a bank. The proceeds of the facility were used to
partly fund the acquisition of two 5,800 TEU container vessels. At December 31, 2018,  the  amount  outstanding  under  this  facility  was  $20.0
million. The facility bears interest at LIBOR plus a margin and has a term of five years. The facility is secured against the subsidiaries' assets and
a guarantee from Ship Finance International Limited. The facility contains a minimum value covenant, which is only applicable if there is an
early termination of any of the charters attached to the vessels. The facility also contains covenants that require us to maintain certain minimum
levels of free cash, working capital and adjusted book equity ratios.

In September 2014, two subsidiaries entered into a $128 million secured term loan facility with a bank. The proceeds of the facility were used to
partly fund the acquisition of two newbuilding 8,700 TEU container vessels, which were delivered in 2014. At December 31, 2018, the amount
outstanding under this facility was $92.4 million. The facility bears interest at LIBOR plus a margin and has a term of seven years. The facility is
secured against the subsidiaries' assets and a limited guarantee from Ship Finance International Limited. The facility contains a minimum value
covenant,  which  is  only  applicable  if  there  is  a  default  under  any  of  the  charters  attached  to  the  vessels,  or  from  the  fifth  anniversary  of  the
drawdown under the facility, whichever falls earlier. The facility also contains covenants that require us to maintain certain minimum levels of
free cash, working capital and adjusted book equity ratios.

In November 2014, two subsidiaries entered into a $128 million secured term loan facility with a bank. The proceeds of the facility were used to
partly fund the acquisition of two newbuilding 8,700 TEU container vessels, which were delivered in January 2015. At December 31, 2018, the
amount outstanding under this facility was $95.6 million. The facility bears interest at LIBOR plus a margin and has a term of seven years. The
facility  is  secured  against  the  subsidiaries'  assets  and  a  limited  guarantee  from  Ship  Finance  International  Limited.  The  facility  contains  a
minimum value covenant, which is only applicable if there is a default under any of the charters attached to the vessels, or six months prior to
expiry  of  the  charters,  whichever  falls  earlier.  The  facility  also  contains  covenants  that  require  us  to  maintain  certain  minimum  levels  of  free
cash, working capital and adjusted book equity ratios.

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In December 2014, two subsidiaries entered into a $39 million secured term loan facility with a bank. The proceeds of the facility were used to
partly fund the acquisition of two Kamsarmax dry bulk carriers. At December 31, 2018, the amount outstanding under this facility was $26.7
million.  The  facility  bears  interest  at  LIBOR  plus  a  margin  and  has  a  term  of  approximately  eight  years.  The  facility  is  secured  against  the
subsidiaries' assets and a limited guarantee from Ship Finance International Limited. The facility contains a minimum value covenant, which is
only applicable if there is a default under any of the charters attached to the vessels, or 12 months prior to expiry of the charters, whichever falls
earlier. The facility also contains covenants that require us to maintain certain minimum levels of free cash, working capital and adjusted book
equity ratios.

In  June  2015,  17  wholly-owned  subsidiaries  entered  into  a  $250  million  secured  revolving  credit  facility  with  a  syndicate  of  banks,  secured
against 17 tankers chartered to Frontline Shipping and a guarantee from Ship Finance International Limited. Fourteen of the tankers were sold
and delivered to their new owners before December 31, 2018, and the facility was secured against the remaining three tankers before repayment
in December 2018. At December 31, 2018, the amount outstanding under this facility was $nil, and the amount available to draw was $nil. The
facility bore interest at LIBOR plus a margin and contained minimum value covenants and also covenants that required us to maintain certain
minimum levels of free cash, working capital and adjusted book equity ratios. In February 2019, this facility was refinanced with a $50 million
secured term loan facility secured against the three remaining tankers.

In July 2015, eight subsidiaries entered into a $166 million secured term loan facility with a syndicate of banks. The proceeds of the facility were
used to partly fund the acquisition of eight Capesize dry bulk carriers. At December 31, 2018, the amount outstanding under this facility was
$117.9 million. The facility bears interest at LIBOR plus a margin and has a term of approximately seven years. The facility is secured against
the subsidiaries' assets and a limited guarantee from Ship Finance International Limited. The facility contains minimum value covenants and also
covenants that require us to maintain certain minimum levels of free cash, working capital and adjusted book equity ratios.

In  November  2015,  three  subsidiaries  entered  into  a  $210  million  secured  term  loan  facility  with  a  syndicate  of  banks,  to  partly  fund  the
acquisition of three newbuilding container vessels. One of the vessels was delivered in November 2015, and the remaining two were delivered in
2016. At December 31, 2018, the amount outstanding under this facility was $173.9 million. The facility bears interest at LIBOR plus a margin
and has a term of five years from the delivery of each vessel. The facility is secured against the subsidiaries' assets and a limited guarantee from
Ship Finance International Limited. The facility contains a minimum value covenant, which is only applicable if there is a default under any of
the charters attached to the vessels, or six months prior to expiry of the charters, whichever falls earlier. The facility also contains covenants that
require us to maintain certain minimum levels of free cash, working capital and adjusted book equity ratios.

In October 2016, we issued $225 million senior unsecured convertible bonds. In December 2018, we made net purchases of bonds with principal
amounts totaling $12.8 million and at December 31, 2018, the amount outstanding under this facility was $212.2 million. Interest on the bonds is
fixed at 5.75% per annum. The bonds are convertible into our common shares and mature on October 15, 2021. The conversion rate at the time
of  issuance  was  56.2596  common  shares  for  each  $1,000  bond,  equivalent  to  a  conversion  price  of  approximately  $17.7747  per  share.  The
conversion rate will be adjusted for dividends in excess of $0.225 per common share per quarter. Dividend distributions made since the issuance
of the bonds have increased the conversion rate to 62.9233, equivalent to a conversion price of approximately $15.8924 per share as at this report
date. In conjunction with the bond issue, we have loaned up to 8,000,000 of our common shares to an affiliate of one of the underwriters of the
issue, in order to assist investors in the bonds to hedge their positions. The shares that were lent by the Company were initially borrowed from
Hemen, our largest shareholder. In November 2016, the Company issued 8,000,000 new shares to replace the shares borrowed from Hemen.

In  June  2017,  the  Company  issued  a  senior  unsecured  bond  loan  totaling  NOK500  million  in  the  Norwegian  credit  market.  The  bonds  bear
quarterly interest at NIBOR plus a margin and have a term of approximately three years. The net amount outstanding at December 31, 2018, was
NOK500 million, equivalent to $57.8 million. The bond agreement contains covenants that require us to maintain certain minimum levels of free
cash, working capital and adjusted book equity ratios.

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In  August  2017,  two  wholly-owned  subsidiaries  of  the  Company  entered  into  a  $76.0  million  secured  term  loan  facility  with  a  bank,  secured
against two product tanker vessels. The two vessels were delivered in August 2017. The Company has provided a limited corporate guarantee for
this facility, which bears interest at LIBOR plus a margin and has a term of seven years. At December 31, 2018, the net amount outstanding was
$69.5 million. The facility contains a minimum value covenant, which is only applicable if there is a default under any of the charters attached to
the vessels, or 12 months prior to the maturity date of the facility, whichever falls earlier. The facility also contains covenants that require us to
maintain certain minimum levels of free cash, working capital and adjusted book equity ratios.

On April 23, 2018, the Company issued a senior unsecured convertible bond totaling $150.0 million. Additional bonds were issued on May 4,
2018 at a principal amount of $14.0 million. In December 2018, we made net purchases of bonds with principal amounts totaling $12.3 million
and at December 31, 2018, the amount outstanding under this facility was $151.7 million. Interest on the bonds is fixed at 4.875% per annum and
is  payable  in  cash  quarterly  in  arrears  on  February  1,  May  1,  August  1  and  November  1.  The  bonds  are  convertible  into  Ship  Finance
International  Limited  common  shares  and  mature  on  May  1,  2023.  The  initial  conversion  rate  at  the  time  of  issuance  was  52.8157 common
shares  per  $1,000  bond,  equivalent  to  a  conversion  price  of  approximately  $18.93  per  share.  Since  the  issuance,  dividend  distributions  have
increased the conversion rate to 58.7171, equivalent to a conversion price of approximately $17.03 per share. In conjunction with the bond issue,
the Company agreed to loan up to 7,000,000 of its common shares to affiliates of the underwriters of the issue, in order to assist investors in the
bonds to hedge their position. As at December 31, 2018, a total of 3,765,842 shares were issued from up to 7,000,000 shares issuable under a
share lending arrangement.

In June 2018, 15 wholly-owned subsidiaries of the Company entered into a $50.0 million secured term loan facility with a bank, secured against
15 feeder size container vessels. The 15 vessels were delivered in April 2018. The Company has provided a corporate guarantee for this facility,
which  bears  interest  at  LIBOR  plus  a  margin  and  has  a  term  of  seven  years.  The  net  amount  outstanding  at  December  31,  2018,  was  $46.9
million.

On September 13, 2018 the Company issued a senior unsecured bond totaling NOK600 million in the Norwegian credit market. The bonds bear
quarterly interest at NIBOR plus a margin and are redeemable in full on September 13, 2023. The net amount outstanding at December 31, 2018,
was NOK600 million, equivalent to $69.4 million.

In December 2018, two subsidiaries entered into a $17.5 million secured term loan facility with a bank. The proceeds of the facility were used to
partly fund two Supramax dry bulk carriers. At December 31, 2018, the amount outstanding under this facility was $17.5 million. The facility
bears interest at LIBOR plus a margin and has a term of approximately five years from delivery of the vessels. The facility is secured by the
subsidiaries' assets and a limited guarantee from Ship Finance International Limited. The facility contains a minimum value covenant, which is
only applicable if there is an early termination of any of the charters attached to the vessels. The facility also contains covenants that require us to
maintain certain minimum levels of free cash, working capital and adjusted book equity ratios.

Debt in Associated Companies

In May 2013, our equity-accounted subsidiary SFL Hercules entered into a $375 million secured term loan and revolving credit facility with a
syndicate  of  banks,  secured  against  the  ultra  deepwater  drilling  rig  West Hercules.  At  December  31,  2018,  the  amount  outstanding  under  the
facility was $210.0 million, and the revolving part of the facility has been amalgamated with the term loan. The facility bears interest at LIBOR
plus a margin, had a term of six years which during 2018 was extended by four years from the original maturity, and is secured against the assets
of SFL Hercules. The lenders have limited recourse to Ship Finance International Limited as the holding company only guaranteed $78.9 million
of  the  debt  at  December  31,  2018.  The  facility  contains  covenants  that  require  us  to  maintain  certain  minimum  levels  of  free  cash,  working
capital  and  adjusted  book  equity  ratios.  The  facility  also  has  covenants  that  require  Seadrill  to  maintain  certain  minimum  levels  of  liquidity,
current ratios, interest cover ratios and adjusted equity ratios and a maximum leverage ratio.

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In October 2013, our equity-accounted subsidiary SFL Deepwater entered into a $390 million secured term loan and revolving credit facility with
a syndicate of banks, secured against the ultra deepwater drilling rig West Taurus. At December 31, 2018, the amount outstanding under the new
facility was $203.7 million, and the revolving part of the facility has been amalgamated with the term loan. The facility bears interest at LIBOR
plus a margin, had a term of five years which during 2018 was extended by four years from the original maturity, and is secured against the assets
of  SFL  Deepwater.  The  lenders  have  limited  recourse  to  Ship  Finance  International  Limited  as  the  holding  company  only  guaranteed  $84.7
million  of  the  debt  at  December  31,  2018.  The  facility  contains  covenants  that  require  us  to  maintain  certain  minimum  levels  of  free  cash,
working  capital  and  adjusted  book  equity  ratios.  The  facility  also  has  covenants  that  require  Seadrill  to  maintain  certain  minimum  levels  of
liquidity, current ratios, interest cover ratios and adjusted equity ratios and a maximum leverage ratio.

In October 2013, our equity-accounted subsidiary SFL Linus entered into a $475 million secured term loan and revolving credit facility with a
syndicate of banks. The proceeds of the facility were used to finance the acquisition of the newbuilding harsh environment jack-up drilling rig
West Linus, which was delivered in February 2014. At December 31, 2018, the amount outstanding under the facility was $241.5 million, and the
revolving part of the facility has been amalgamated with the term loan. The facility bears interest at LIBOR plus a margin, originally had a term
of approximately five years which during 2018 was extended by four years from the original maturity, and is secured against the subsidiary's
assets. The lenders have limited recourse to Ship Finance International Limited as the holding company only guaranteed $102.5 million of the
debt at December 31, 2018. The facility contains covenants that require us to maintain certain minimum levels of free cash, working capital and
adjusted book equity ratios. The facility also has covenants that require Seadrill to maintain certain minimum levels of liquidity, current ratios,
interest cover ratios and adjusted equity ratios and a maximum leverage ratio.

In connection with Seadrill’s Restructuring Plan, certain amendments were agreed with the banks under the above three facilities in our equity
account  subsidiaries,  including  an  extension  of  the  final  maturity  date  by  four  years,  as  mentioned  above,  and  the  minimum  value  clause  not
being applicable for the remaining life of the respective facilities. In addition, the minimum guarantee amounts were fixed at $75 million for SFL
Deepwater, $70 million for SFL Hercules and $90 million for SFL Linus, but increase by any net cash amounts received by the Company from
the relevant subsidiaries. Further, the financial covenants on Seadrill were replaced by financial covenants on a newly established subsidiary of
Seadrill, who also acts as guarantor for the obligations under the leases for the three drilling units, on a subordinated basis to the senior secured
lenders in Seadrill and new secured notes.

We were in compliance with all loan covenants as at December 31, 2018. Solship and Seadrill were also in compliance with all applicable loan
covenants in the facilities discussed above as at December 31, 2018. If Seadrill or Solship were to breach the loan covenants applicable to them,
there is a risk that the Company will not be in compliance with the applicable loan covenants under the relevant agreement and the outstanding
amounts applicable under the long-term debt facilities may become due and payable. At December 31, 2018, the three-month U.S. dollar LIBOR
was 2.808% and the three-month Norwegian kroner NIBOR was 1.27%.

Minimum Value Covenants

Most of our loan facilities are secured with mortgages on vessels and rigs. At December 31, 2018, we had borrowings totaling $0.9 billion with
minimum  value  covenants  which  are  tested  on  a  regular  basis,  including  $0.7 billion  borrowings  in  wholly-owned  subsidiaries  accounted  for
under the equity method. These borrowings were secured against 28 vessels and rigs which had combined charter-free market values totaling
approximately $1.6 billion. A reduction of 10% in charter-free market values in 2019 would not result in any material prepayments or reduction
in availability on revolving credit facilities, after scheduled loan repayments and prepayments in the year.

In addition, at December 31, 2018, we had borrowings totaling $0.6 billion with minimum value covenants which are tested if there is a default
under the charter under which the relevant vessels are employed. These borrowings were secured against 25 vessels which had combined charter-
free market values totaling approximately $0.9 billion.

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We  use  financial  instruments  to  reduce  the  risk  associated  with  fluctuations  in  interest  rates.  At  December  31,  2018,  the  Company  and  its
consolidated  subsidiaries  had  entered  into  interest  rate  swap  contracts  with  a  combined  notional  principal  amount  of  $721  million,  whereby
variable LIBOR interest rates excluding additional margins are swapped for fixed interest rates between 1.07% per annum and 2.93% per annum.
We entered into interest rate/currency swap contracts, related to our bonds denominated in Norwegian kroner, with notional principal amounts of
NOK100 million ($17 million),  NOK500  million  ($64  million)  and  NOK900  million  ($151  million),  respectively,  whereby  variable  NIBOR
interest  rates  including  additional  margin  are  swapped  for  fixed  interest  rates  of  6.03%  per  annum, 6.91%  per  annum  and  6.03%  per  annum,
respectively,  and  both  the  payment  of  interest  and  eventual  settlement  of  the  bonds  will  have  an  effective  exchange  rate  of  NOK5.94  =  $1,
NOK7.81  =  $1  and  NOK5.96  =  $1,  respectively.  We  also  entered  into  currency  swap  contracts,  related  to  our  NOK600  million  bond
denominated in Norwegian kroner, with notional principal amounts of NOK472 million ($62 million), where the eventual settlement of the bonds
will have an effective exchange rate of NOK7.60 = $1.The overall effect of our swaps is to fix the interest rate on approximately $0.9 billion of
our floating rate debt, including equity accounted subsidiaries, at December 31, 2018, at a weighted average interest rate of 4.68% per annum
including margin.

The effect of the above swap contracts is to substantially reduce our exposure to interest rate and exchange rate fluctuations, further analysis of
which is presented in Item 11 "Quantitative and Qualitative Disclosures about Market Risk".

At the date of this report, we were not party to any other derivative contracts.

Equity

In January 2013, we issued a senior unsecured convertible bond loan totaling $350 million (see "Borrowings" above). As required by ASC 470-
20 "Debt with conversion and Other Options", we calculated the equity component of the convertible bond, which was valued at $20.7 million
and recorded as "Additional paid-in capital". In October 2016, we purchased and canceled bonds with principal amounts totaling $165.8 million.
The equity component of the converted bonds in 2018 was valued at $nil (2017: $16.4 million for the purchased and canceled bonds) and this
amount has been deducted from "Additional paid-in capital".

A reorganization of share capital was approved at the Annual General Meeting of the Company held in September 2016, in accordance with the
Bermuda Companies Act. Following the reorganization, the Company's authorized share capital was adjusted to 150,000,000 shares of par value
$0.01 each, prior to which it had been 125,000,000 shares of par value $1.00 each. As there were 93,504,575 shares issued and fully paid at the
time of the reorganization, to reflect the decrease in the par value of each share from $1.00 to $0.01, $92.6 million was transferred from share
capital to contributed surplus. The shares of par value $0.01 each rank pari passu in all respects with each other.

In October 2016, we issued a senior unsecured convertible bond totaling $225 million (see "Borrowings" above). As required by ASC 470-20
"Debt with conversion and Other Options", we calculated the equity component of the convertible bond, which was valued at $4.1 million and
recorded as "Additional paid-in capital" .

In November 2016, in conjunction with the Company's issue of senior unsecured convertible bonds totaling $225 million (see below), we issued
8,000,000 new shares of par value $0.01 each. The shares were issued at par value and have been loaned to an affiliate of one of the underwriters
of the bond issue, in order to assist investors in the bonds to hedge their position.

In November 2016, the Board of Directors renewed a share option scheme originally approved in November 2006, permitting the directors to
grant  options  in  the  Company's  shares  to  employees,  officers  and  directors  of  the  Company  or  its  subsidiaries.  The  fair  value  cost  of  options
granted is recognized in the statement of operations, with a corresponding amount credited to additional paid in capital. The additional paid-in
capital arising from share options granted was $0.5 million in 2018 (2017: $0.4 million).

In October 2017, we issued a total of 9,418,798 new shares following separate privately negotiated transactions with certain holders of the 3.25%
senior  unsecured  convertible  bonds  due  2018  for  the  conversion  of  a  principal  amount  of  $121.0 million  from  the  outstanding  balance  of  the
convertible bonds.

In 2018, we issued a total of no new shares of $0.01 each following the exercise of share options (2017: 7,500 new shares of $0.01  issued  to
satisfy options exercised).

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In  February  2018,  the  Company  redeemed  the  full  outstanding  amount  under  the  3.25%  senior  unsecured  convertible  bonds  due  2018.  The
remaining outstanding principal amount of $63.2 million was paid in cash, and the premium settled in common shares with the issue of 651,365
new shares.

In April 2018, the Company issued a total of 3,765,842 new shares of par value $0.01 each from up to 7,000,000 issuable under a share lending
arrangement in relation with the Company's issuance of 4.875% senior unsecured convertible bonds in April and May 2018. The shares issued
have been loaned to affiliates of the underwriters of the bond issue in order to assist investors in the bonds to hedge their position. The bonds are
convertible  into  common  shares  and  mature  on  May  1,  2023.  As  required  by  ASC  470-20  "Debt  with  conversion  and  Other  Options",  the
Company calculated the equity component of the convertible bond, which was valued at 7.9 million at issue date and recorded as "Additional
paid-in capital".

In  May  2018,  the  Company  issued  a  total  of  4,024,984  new  shares  as  part  of  the  consideration  paid  for  the  acquisition  of  four  2014  built
container  vessels,  each  with  approximately  13,800  TEU  carrying  capacity.  The  vessels  are  employed  under  long-term  time-charters  to  an
unrelated third party.

At the Annual General Meeting of the Company in September 2018, a resolution was passed to approve an increase of the Company’s authorized
share capital from $1,500,000 divided into 150,000,000 common shares of $0.01 par value each to $2,000,000 divided into 200,000,000 common
shares of $0.01 par value each by the authorization of an additional 50,000,000 common shares of $0.01 par value each.

Following the above transactions, as of December 31, 2018, our issued and fully paid share capital balance was $1.2 million, our additional paid-
in capital was $469 million and our contributed surplus balance was $681 million.

C. RESEARCH AND DEVELOPMENT, PATENTS AND LICENSES, ETC.

We do not undertake any significant expenditure on research and development, and have no significant interests in patents or licenses.

D. TREND INFORMATION

According to industry sources, vessel prices have generally declined since their peak in 2008, and newbuilding prices have increased over the last
year.  Prices  for  second-hand  vessels  have  increased  during  2018  from  2017  for  modern  second-hand  tonnage,  however  still  relatively  low
compared to historical standards.

The oil tanker market started a cyclical upturn in the second half of 2014, with spot charter rates in December 2015 reaching their highest levels
since 2008. However, this trend was reversed in 2016, when the 6.5% increase in fleet capacity was not matched by a corresponding increase in
demand. In 2018, crude tanker demand was at 2.5% and crude fleet growth remained flat at 0.3%.

Overall, 2018 ended on a positive note for the tanker market in all sectors. The year was characterized as a difficult market, while the end of the
year saw positive rate development due to strong scrapping and an increase in demand. Demand for crude tankers is projected to grow by 3.8%,
despite falling Iranian and Venezuelan exports and limited exports from OPEC members. The tanker trade is predicted to benefit from firm US
exports and continued Chinese import growth, including refinery start-ups in South East Asia and increase in oil output from Brazil. The fleet of
trading crude tankers is expected to see a growth of 3.6%, in line with expected demand growth. For the product tanker fleet growth is expected
to  be  3%.  For  2020,  tanker  deliveries  are  expected  to  fall  by  more  than  25%  to  23  million  dwt,  owing  to  the  potential  increase  in  scrapping
resulting from the introduction of the global sulfur cap. The active supply growth across the tanker segment in 2019 and 2020 may be limited by
due to vessels being out of service in order to retrofit abatement technology, and the potential variance in operating speeds. Introduction of the
IMO  2020  sulfur  cap  is  projected  to  have  a  positive  impact  on  demand  for  tankers,  especially  from  the  second  half  of  2019  and  into  2020,
although  there  are  a  range  of  scenarios.  Potential  impacts  include  higher  regional  refinery  outputs,  supporting  a  5%  increase  in  crude  tanker
demand in 2020, with several logistical factors potentially impacting the demand growth.

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Our tanker vessels on charter to Frontline Shipping are subject to long term charters that provide for both a fixed base charter-hire and profit
sharing payments that apply once Frontline Shipping earns average daily rates from our vessels in the market that exceed the fixed base charter
rates, calculated and payable on a quarterly basis. If rates for vessels chartered in the spot market increase, our profit sharing revenues, if any,
will  likewise  increase  for  those  vessels  operated  by  Frontline  Shipping  in  the  spot  market.  We  also  have  two  Suezmax  tankers  currently
employed in the spot market, which will benefit directly from any strengthening in spot charter rates.

According to industry sources, the dry bulk global trade was estimated to have expanded by 2.4% during 2018. This amounts to a total of 5.2
billion tonnes for the full year. In terms of tonne-miles, the growth stood at 2.8% on an overall level for the year. Industry sources indicate that
the slower pace of growth in 2018 is a result of weaker Chinese iron ore imports due to increased use of scrap, as well as a disruption in trade
flows due to the Chinese-US trade war. Projections of 2019 indicate that dry bulk trade may expand by 2.6% in terms of tonnes, 3.4% in terms of
tonne-miles,  although  there  are  a  range  of  likely  scenarios.  The  fleet  is  expected  to  grow  by  3%  during  2019,  which  indicates  that  the
fundamentals in the sector looks to be balanced. The downside risks are clear with the continued ‘trade war’, however the active supply growth
could also be limited by the impact of the upcoming IMO 2020 sulfur cap with time out of service for retrofitting abatement technology expected
to absorb an estimated 0.5% of the bulker fleet capacity in 2019. Looking ahead, initial projections indicate that bulk trade market could grow by
approximately 2% and 3% if evaluating on a tonne-mile basis in 2020. Total fleet growth is projected to slow down, with an expected growth to
come in below 2% in 2020. The impact of the IMO 2020 sulfur cap, the potential for increased recycling and lower operating speeds, is expected
to provide room for further improvements in the dry bulk carrier sector.

According to industry sources, the containership charter market generally saw improvement during 2018, compared to 2017 however with mixed
trends. Container vessel charter rates were up 28% in 2018 on a year on year basis, however during the second half of 2018, rates eased back.
Spot rates for box freight were broadly flat during the year, with SCFI composite index averaging 833 points during 2018, up just 1% compared
to  2017.  The  global  seaborne  container  trade  is  estimated  to  have  grown  by  4.3%  during  2018  to  a  total  of  201  million  TEU,  following  an
expansion  of  5.6%  in  2017.  Deliveries  into  the  fleet  totalled  168  units  of  1.3  million  TEU  in  the  full  year  of  2018,  which  is  up  from  the  1.2
million  TEU  growth  seen  in  2017.  The  demolition  activity  was  however,  reduced  with  a  total  of  64  vessels  or  0.11  million  TEU  sold  for
recycling for the full year, an effect contributed to the improvements in charter market seen during the first half of 2018. Performance  on  the
main lane trades during 2018 was relatively mixed. While the balance between supply and demand growth was relatively firmly in favour of
supply side during 2018, projections for 2019 and 2020 remains positive, expecting rebalancing in the sector with moderate fleet capacity growth
and  healthy  demand  trends.  Uncertainties  around  implementation  of  IMO  2020  regulations  may  have  a  positive  effect  on  the  sector  going
forward, with the continued risk to the demand outlook affected by the negative trends in the Chinese economy and the China-US ‘trade-war’,
indicating a potential downside scenario.

The dramatic reduction in the oil price since 2014 has reduced demand for offshore drilling units, and day rates and utilizations have declined
considerably in the four years to 2017, as many offshore exploration activities became inviable at low prices of between $50 and $55 per barrel.
As a result, some owners/operators of drilling units have experienced financial difficulties in the past year, including breaching bank covenants
and restructuring. According to some industry sources, there is an increasing sense that, 2018 may have marked the point at which the offshore
market  cycle  “bottomed  out”,  with  rates  seeing  an  upwards  trend  during  the  second  half  of  2019.  However,  while  there  are  early  signs  of  an
upturn in several key indicators, there remains significant structural challenges to be overcome if offshore markets are to move towards balance.

Crude oil prices have trended upwards, from $55 per barrel in September 2017 to approximately $70 per barrel in January 2018. 2018 showed to
be a volatile year for the oil market with significant factors affecting the price development, peaking higher than $82 per barrel due to slowing
production in Venezuela and new sanctions on Iranian oil. The last quarter, however saw the price of crude oil drop to levels well below $60 per
barrel, as global growth estimates were lowered and OPEC, including Saudi production dropped approximately one mb/day from peak levels.

According to industry sources, the OSV market remains one of the most severely affected by the offshore downturn. 2018 saw record high
recycling, following on from high 2017 levels, however the market is still seeing new deliveries and new orders, doing little to help the market
balance.

Interest rates have been at historically at low levels since 2009, although interest rates have recently increased. We have effectively hedged a
substantial portion of our interest exposure on our floating rate debt through swap agreements with banks, although interest rate rises will affect
our future cost of debt. Several of our charter contracts also include interest adjustment clauses, whereby the charter rate is adjusted to reflect the
actual interest paid on a deemed outstanding loan relating to the asset, effectively transferring the interest rate exposure to our counterparty under
the charter contract.

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The above overviews of the various sectors in which we operate are based on current market conditions. However, market developments cannot
always be predicted and may differ from our current expectations.

E. OFF-BALANCE SHEET ARRANGEMENTS

At December 31, 2018, we were not party to any arrangements which may be considered to be off balance sheet arrangements.

F. TABULAR DISCLOSURE OF CONTRACTUAL OBLIGATIONS

Contractual Commitments

At December 31, 2018, we had the following contractual obligations and commitments:

NOK900 million senior unsecured bonds due 2019

NOK500 million senior unsecured bonds due 2020

5.75% unsecured convertible bonds due 2021

NOK600 million senior unsecured bonds due 2023

4.875% senior unsecured convertible bonds due 2023

Floating rate long-term debt

Floating rate long-term debt in unconsolidated subsidiaries (1)

Total debt repayments

Total interest payments (2)

Capital lease obligations

Interest on capital lease obligations

Total contractual cash obligations

Less than
1 year 

77.7 
— 
— 
— 
— 
189.4 
33.2 
300.3 
117.4 
67.4 
62.8 
547.9 

Payment due by period

1–3
years 

— 
57.8 
212.2 
— 
— 
389.6 
96.0 
755.6 
203.1 
138.3 
115.3 
1,212.3 

3–5
years   
(in millions of $)
—   
—   
—   
69.4   
151.7   
300.2   
526.0   
1,047.3   
121.4   
153.5   
99.9   
1,422.1   

After
5 years   

—   
—   
—   
—   
—   
12.3   
—   
12.3   
10.5   
813.1   
163.7   
999.6   

Total 

77.7 
57.8 
212.2 
69.4 
151.7 
891.5 
655.2 
2,115.5 
452.4 
1,172.3 
441.7 
4,181.9 

(1) The  floating  rate  long-term  debt  facilities  in  the  unconsolidated  subsidiaries  relate  to  the  three  drilling  units  on  charter  to  the  Seadrill
Charterers. In connection with Seadrill’s Restructuring Plan, the loan facilities have been extended by four years, subject to court approval of
the Restructuring Plan. The numbers in the above table assume that the Restructuring Plan is approved by the court.

(2) Interest payments are based on the existing borrowings of both fully consolidated and equity-accounted subsidiaries. It is assumed that no
further refinancing of existing loans takes place and that there is no repayment on revolving credit facilities. Interest rate swaps have not
been included in the calculation. The interest has been calculated using the five year U.S. dollar swap of 2.48%, the five year NOK swap of
1.81% and the exchange rate of NOK8.52 = $1 as of March 19, 2019, plus agreed margins. Interest on fixed rate loans is calculated using the
contracted interest rates.

G. SAFE HARBOR

Forward-looking information discussed in this Item 5 includes assumptions, expectations, projections, intentions and beliefs about future events.
These  statements  are  intended  as  "forward-looking  statements."  We  caution  that  assumptions,  expectations,  projections,  intentions  and  beliefs
about future events may and often do vary from actual results and the differences can be material. Please see "Cautionary Statement Regarding
Forward-Looking Statements" in this report.

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ITEM 6.    DIRECTORS, SENIOR MANAGEMENT AND EMPLOYEES

A. DIRECTORS AND SENIOR MANAGEMENT

The  following  table  sets  forth  information  regarding  our  directors  and  officers  including  the  Chief  Executive  Officer  and  the  Chief  Financial
Officer of our wholly owned subsidiary SFL Management AS, who are responsible for overseeing our management.

Name

James O'Shaughnessy

Harald Thorstein

Bert Bekker

Gary Vogel

Keesjan Cordia

Ole B. Hjertaker

Aksel C. Olesen

Age

  Position

55

39

80

53

44

52

42

  Director of the Company and Chairperson of the Audit Committee

  Director of the Company

  Director of the Company

  Director of the Company

  Director of the Company

  Chief Executive Officer of SFL Management AS

  Chief Financial Officer of SFL Management AS

Under our constituent documents, we are required to have at least one independent director on our Board of Directors whose consent will be
required to file for bankruptcy, liquidate or dissolve, merge or sell all or substantially all of our assets.

Certain biographical information about each of our directors and officers is set forth below.

James O'Shaughnessy has been a Director of the Company since September 2018. Mr. O'Shaughnessy has been an Executive Vice President,
Chief Accounting Officer and Corporate Controller of Axis Capital Holdings Limited since March 26, 2012. Prior to that Mr. O'Shaughnessy has
amongst others served as Chief Financial Officer of Flagstone Reinsurance Holdings and as Chief Accounting Officer and Senior Vice President
of Scottish Re Group Ltd., and Chief Financial Officer of XL Re Ltd. at XL Group plc. Mr. O'Shaughnessy received a Bachelor of Commerce
degree from University College, Cork, Ireland in the year 1981 to 1985 and is both a Fellow of the Institute of Chartered Accountants of Ireland
and  an  Associate  Member  of  the  Chartered  Insurance  Institute  of  the  UK.  Mr.  O'Shaughnessy  earned  a  Master's  Degree  in  Accounting  from
University College Dublin in the year 1985 to 1986. Mr. O'Shaughnessy also serves as a director of Frontline, Golden Ocean, Northern Drilling
Ltd, Archer Limited, Seadrill and Seadrill Partners LLC.

Harald  Thorstein  has  served  as  a  director  of  the  Company  since  September  2011.  Mr.  Thorstein  is  currently  employed  by  Seatankers
Consultancy  Services  (UK)  Limited  in  London,  prior  to  which  he  was  employed  in  the  Corporate  Finance  division  of  DnB  NOR  Markets,
specializing  in  the  offshore  and  shipping  sectors.  Mr.  Thorstein  has  an  MSc  in  Industrial  Economics  and  Technology  Management  from  the
Norwegian  University  of  Science  and  Technology.  Mr.  Thorstein  has  served  as  a  director  of  Seadrill  Partners  LLC  since  2012,  Seadrill  since
December 2017 and on the Board of Directors of Solstad Offshore ASA since June 2017.

Bert Bekker has served as a director of the Company since May 2015. Mr. Bekker has been in the heavy marine transport industry since 1978
when he co-founded Dock Express Shipping Rotterdam, the predecessor of Dockwise Transport. Mr. Bekker has served as a director of Wilh.
Wilhelmsen Netherlands B.V. from July 2003 until the end of 2014. Mr. Bekker has also been serving as a director of Seadrill Partners LLC since
September 2012.

Gary Vogel has served as a director of the Company since December 2016. Mr Vogel is the Chief Executive Officer and a director of Eagle Bulk
Shipping Inc, a U.S. listed owner and operator of dry bulk vessels. He has worked extensively both in the dry bulk market and private capital
markets, and was previously the Chief Executive Officer of Clipper Group in Denmark.

Keesjan Cordia has been a Director of the Company since September 2018. Mr. Cordia is a private investor with a background in Economics and
Business Administration. Mr. Cordia holds several board and advisory board positions in the Oil & Gas Industry, among which: board member of
Workships group B.V (2006), board member of Combifloat B.V (2013) and board member of Kerrco Inc (2017). He recently became Chairman
of the board of Oceanteam ASA (April 2018). From 2006-2014 he was CEO at Seafox (Offshore Services). Mr. Cordia is founder and Managing
Partner  of  Invaco  Management  B.V.,  an  investment  firm  based  in  Amsterdam.  He  is  also  an  advisor  to  Parcom  Capital  and  member  of  the
investor committee of Connected Capital, both Private Equity firms. Mr. Cordia also serves as a director of Northern Drilling Ltd.

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Ole  B.  Hjertaker  has  served  SFL  Management  AS  as  Chief  Executive  Officer  since  July  2009,  prior  to  which  he  served  as  Chief  Financial
Officer from September 2006. Mr. Hjertaker also served SFL Management AS as Interim Chief Financial Officer between July 2009 and January
2011. Prior to joining Ship Finance, Mr. Hjertaker was employed in the Corporate Finance division of DNB NOR Markets, a leading shipping
and  offshore  bank.  Mr.  Hjertaker  has  extensive  corporate  and  investment  banking  experience,  mainly  within  the  maritime/transportation
industries , and holds a Master of Science degree from the Norwegian School of Economics and Business Administration. Mr. Hjertaker also
serves as a director of NorAm Drilling Company AS, or NorAm Drilling.

Aksel C. Olesen joined SFL Management AS in January 2019 serving as Chief Financial Officer. Prior to joining SFL Management AS, he spent
12 years at Pareto Securities where he worked in various positions in the firm’s investment banking division, including as Head of Investment
Banking Asia in Singapore from 2011 to 2014 and most recent as Head of Shipping and Offshore Project Finance. Mr. Olesen started his career
working for the shipping company Kristian Jebsens Rederi as part of the legal, business development and finance team. Mr. Olesen holds a Law
Degree from the University of Bergen.

B. COMPENSATION

During  the  year  ended  December  31,  2018,  we  paid  to  our  directors  and  officers  aggregate  cash  compensation  of  $1.9  million,  including  an
aggregate amount of $0.04 million for pension and retirement benefits. We reimburse directors for reasonable out of pocket expenses incurred by
them in connection with their service to us. In addition to cash compensation, during 2018 we also recognized an expense of $0.2 million relating
to directors' and officers' stock options.

C. BOARD PRACTICES

In accordance with our Bye-laws, the number of directors shall be such number not less than two as we may by Ordinary Resolution determine
from time to time, and each director shall hold office until the next annual general meeting following his election or until his successor is elected.
We currently have five directors.

We  currently  have  an  Audit  Committee,  which  is  responsible  for  overseeing  the  quality  and  integrity  of  our  financial  statements  and  our
accounting,  auditing  and  financial  reporting  practices,  our  compliance  with  legal  and  regulatory  requirements,  the  independent  auditor's
qualifications, independence and performance, and our internal audit function. James O'Shaughnessy is the Chairperson of the Audit Committee
and the Audit Committee Financial Expert.

We  currently  have  a  Compensation  Committee,  which  is  responsible  for  establishing  and  reviewing  the  executive  officers'  and  managements'
compensation and benefits. Gary Vogel and Harald Thorstein are members of the Compensation Committee.

As a foreign private issuer, we are exempt from certain requirements of the NYSE that are applicable to U.S. listed companies.  For a listing and
further discussion of how our corporate governance practices differ from those required of U.S. companies listed on the NYSE, please see Item
16G or visit the corporate governance section of our website at www.shipfinance.bm.

Our officers are elected by our Board of Directors immediately following each Annual General Meeting and shall hold office for such period and
on such terms as the Board of Directors may determine.

There are no service contracts between us and any of our directors providing for benefits upon termination of their employment or service.

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D. EMPLOYEES

Document

We currently employ 11 persons on a full-time basis through our subsidiaries SFL Management AS and Ship Finance Management (UK) Ltd.,
and  during  the  year  ended  December  31,  2018,  employed  11  persons  on  a  full-time  basis.  We  have  contracted  with  Frontline  Management,
Golden Ocean Management and other third parties for certain managerial responsibilities for our fleet, with Frontline Management for certain
administrative services, including corporate services, and with Seatankers for certain advisory and support services.

E. SHARE OWNERSHIP

The beneficial interests of our Directors and officers in our common shares as of March 26, 2019, are as follows:

Director or Officer

James O'Shaughnessy

Harald Thorstein

Bert Bekker

Gary Vogel

Keesjan Cordia

Ole B. Hjertaker

Aksel C. Olesen

*    Less than one percent.

Share Option Scheme

Beneficial
interest in
Common Shares
of
$0.01 each

Additional interest in
options to
acquire Common Shares
which have vested

Percentage of
Common Shares
Outstanding

—   
—   
—   
—   
—   
91,840   
—   

—   
17,500   
10,000   
—   
—   
92,333   
—   

*

*

*

*

*

*

*

In  November  2016,  our  Board  of  Directors  renewed  the  Ship  Finance  International  Limited  Share  Option  Scheme  originally  approved  in
November 2006. Following  the  renewal  in  November  2016,  the  scheme  will  expire  in  November  2026.  The  subscription  price  for  all  options
granted under the scheme will be reduced by the amount of all dividends declared by the Company per share in the period from the date of grant
until the date the options are exercised.

In  March  2016,  279,000  options  were  awarded  to  employees,  officers  and  Directors  pursuant  to  the  Company's  Share  Option  Scheme.  The
options  vest  over  a  three  year  period  and  have  a  five  year  term.  The  initial  exercise  price  was  $14.38  per  share  and  the  first  options  were
exercisable from March 2017.

In September 2017, 113,000 options were awarded to employees and officers pursuant to the Company's Share Option Scheme. The options vest
over a three year period and have a five year term. The initial exercise price was $14.30 per share and the first options will be exercisable from
September 2018.

In April 2018, 83,000 options were awarded to employees and officers pursuant to the Company's Share Option Scheme. The options vest over a
three year period and have a five year term. The initial exercise price was $14.67 per share and the first options will be exercisable from April
2019.

In January 2019, 100,000 options were awarded to one officer pursuant to the Company's Share Option Scheme. The options vest over a three
year period and have a five year term. The initial exercise price was $11.50 per share and the first options will be exercisable from January 2020.

In  March  2019,  425,000  options  were  awarded  to  employees,  officers  and  Directors  pursuant  to  the  Company's  Share  Option  Scheme.  The
options  vest  over  a  three  year  period  and  have  a  five  year  term.  The  initial  exercise  price  was  $12.35  per  share  and  the  first  options  will  be
exercisable from March 2020.

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Details of options to acquire common shares in the Company by our Directors and officers as of March 26, 2019, were as follows:

Director or Officer

James O'Shaughnessy

Harald Thorstein

Harald Thorstein

Bert Bekker

Bert Bekker

Gary Vogel

Keesjan Cordia

Ole B. Hjertaker

Ole B. Hjertaker

Ole B. Hjertaker

Ole B. Hjertaker

Aksel C. Olesen

Number of options

Total   
25,000   
17,500   
25,000   
10,000   
25,000   
25,000   
25,000   
79,000   
40,000   
30,000   
150,000   
100,000   

Vested    Exercise price  
12.35   
9.68   
12.35   
9.68   
12.35   
12.35   
12.35   
9.68   
12.20   
13.27   
12.35   
11.50   

—    $
17,500    $
—    $
10,000    $
—    $
—    $
—    $
79,000    $
13,333    $
—    $
—    $
—    $

Expiration Date

March 2024

March 2021

March 2024

March 2021

March 2024

March 2024

March 2024

March 2021

September 2022

April 2023

March 2024

January 2024

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ITEM 7. MAJOR SHAREHOLDERS AND RELATED PARTY TRANSACTIONS

A. MAJOR SHAREHOLDERS

The  following  table  presents  certain  information  as  at  March 21, 2019,  regarding  the  ownership  of  our  Common  Shares  with  respect  to  each
shareholder whom we know to beneficially own five percent or more of our outstanding Common Shares.

Hemen Holding Limited (1)

Owner

Number of Common
Shares

Percent of Common
Shares

26,918,687

22.5%

(1) According  to  the  Schedule  13D/A  filed  with  the  SEC  on  November  16,  2018,  Hemen  Holding  Limited  ("Hemen")  is  a  Cyprus  holding
company, indirectly controlled by trusts established by Mr. John Fredriksen for the benefit of his immediate family. Mr. Fredriksen disclaims
beneficial  ownership  of  the  26,918,687  shares  of  our  common  stock,  except  to  the  extent  of  his  voting  and  dispositive  interests  in  such
shares of common stock and Mr. Fredriksen has no pecuniary interest in such shares.

A total of 119,375,525 common shares were outstanding as of March 21, 2019. In calculating the above percentages of common shares held by
Hemen we have included 8,000,000 shares issued as part of a share lending arrangement relating to the October 2016 issue of 5.75% convertible
notes and 3,765,842 shares issued in December 2018 as part of a share lending arranging relating to the 4.875% convertible notes. These shares
will be returned to the Company on or before the maturity of the bonds in 2021 and 2023 respectively.

The Company's major shareholders have the same voting rights as other shareholders of the Company.

As  at  March  21,  2019,  the  Company  had  435  holders  of  record  in  the  United  States,  including  Cede  &  Co.,  which  is  the  Depositary  Trust
Company’s nominee for holding shares on behalf of brokerage firms, as a single holder of record.

We are not aware of any arrangements, the operation of which may at a subsequent date result in a change in control.

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B. RELATED PARTY TRANSACTIONS

The Company, which was formed in 2003 as a wholly-owned subsidiary of Frontline, was partially spun-off in 2004 and its shares commenced
trading on the NYSE in June 2004. A large part of our business continues to be transacted through contractual relationships between us and the
following related parties, being companies in which Hemen and companies associated with Hemen have, or had, a significant direct or indirect
interest:

-    Frontline

-    Frontline Shipping

-    Seadrill

-    Golden Ocean

- United Freight Carriers ("UFC" - which is a joint venture approximately 50% owned by Golden Ocean)

-    Deep Sea Supply Plc. ("Deep Sea") (1)

-    Seatankers Management Co. Ltd. ("Seatankers")

-    NorAm Drilling

-    Golden Close

-    Sterna Finance

-    ADS Crude Carriers Plc ("ADS")

(1) From October 2017, Deep Sea was determined to no longer be a related party (see below).

As  of  March  26,  2019 one  of  the  Company's  offshore  support  vessels  (2017: one)  accounted  for  as  a  direct  financing  lease  and  four  of  the
Company's offshore support vessels (2017: four) accounted for as operating leases were employed under long term charters to a subsidiary of
Deep Sea. In June 2017, Deep Sea completed a merger with Solstad Offshore ASA and Farstad Shipping ASA, creating Solstad Farstad which is
listed on the Oslo Stock Exchange, with Hemen's shareholding in Solstad Farstad being below 20%. In October 2018, Solstad Farstad changed its
name to Solstad Offshore ASA ("Solstad"). The Company determined that Solstad was not a related party as Hemen was deemed not to have
significant influence over the new listed entity. Following the merger, Solship Invest 3 AS (formerly Deep Sea), a wholly owned subsidiary of
Solstad acts as charter guarantor under the long term charter agreements.

As  of  March  26,  2019,  we  charter  three  vessels  to  Frontline  Shipping  under  long-term  direct  financing  leases,  most  of  which  were  given
economic effect from January 1, 2004. At December 31, 2018, the balance of net investments in direct financing leases to Frontline Shipping was
$115.0 million (2017: $314.0 million) of which $8.0 million (2017: $22.3 million) represented short-term maturities.

Frontline Shipping is a wholly owned subsidiary of Frontline, but the performance under the leases is not guaranteed by Frontline following the
amendments agreed in 2015. Frontline Shipping can only make distributions to its parent company if it can demonstrate it will have free cash of
minimum of $2 million per vessel both prior to and following (i) such distribution, (ii) the payment of the next hire due and any profit share
accrued under the charters and (iii). the note issued to us must be fully repaid. Due to the current depressed tanker market, there is a risk that
Frontline Shipping may not have sufficient funds to pay the agreed charterhires. However, the performance under the fixed price management
agreements  with  Frontline  Management  whereby  we  pay  management  fees  of  $9,000  per  day  for  each  vessel  to  cover  all  operating  costs
including drydocking costs, are guaranteed by Frontline.

As  compensation  for  the  amendments  entered  into  in  June  2015  we  received  55 million  ordinary  shares  in  Frontline,  the  fair  value  of  which
amounted  to  $150.2  million  on  the  date  of  receipt.  Following  the  amendments,  from  July  1,  2015,  the  leases  were  revised  to  reflect  the
compensation payment received and the reduction in future minimum lease payments to be received. In February 2016, Frontline enacted a 1-for-
5 reverse stock split and our holding of Frontline now consists of 11 million ordinary shares. In the year ended December 31, 2018, the Company
received dividend income totaling $nil (2017: $3.3 million) on these shares.

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The amendments to the charter agreements made in June 2015, increased the profit sharing percentage to 50% for earnings above the new time-
charter rates with effect from July 1, 2015. Following the amendments, the profit share is calculated and payable on a quarterly basis. We earned
$1.5 million under the 50% profit sharing agreement in 2018 (2017: $5.6 million; 2016: $50.9 million).

As of March 26, 2019, we charter two of our ultra deepwater drilling units to two of the Seadrill Charterers under long-term direct financing
leases, these units are being owned by equity-accounted subsidiaries. At December 31, 2018, the balance of net investments in direct financing
leases to the two Seadrill Charterers was $623.3 million (2017: $660.2 million), of which $30.6 million (2017: $36.9 million) represents short-
term maturities.

As of March 26, 2019, we charter a harsh environment jack-up drilling rig to one of the Seadrill Charterers, which is a subsidiary of NADL,
under a long-term direct financing lease, this rig being owned by an equity-accounted subsidiary. At December 31, 2018 the balance of the net
investment in the direct financing lease to the subsidiary was $396.7 million (2017: $431.1 million) of which $21.5 million (2017: $34.5 million)
represents  short-term  maturities.  The  obligations  under  the  bareboat  charter  were  originally  guaranteed  by  NADL.  In  February  2015,
amendments were made to the bareboat charter, whereby Seadrill replaced NADL as charter guarantor.

As of March 26, 2019, the Company had five offshore support vessels on long-term bareboat charters to a subsidiary of Deep Sea. In July 2016,
the Company agreed to amend the terms of the charters, which were scheduled to end between September 2019 and January 2020. Under the
amended agreements, the charter rates were temporarily reduced until May 2018, in exchange for extending the original charter periods by three
years and introducing a 50% profit share on charter revenues earned by the vessels above the new base charter rates, calculated on a time-charter
equivalent basis. The Company earned no profit share income under profit sharing arrangements in 2017 and 2016, during the period when Deep
Sea was classified as a related party.

In the third quarter of 2015, we took delivery of eight Capesize dry bulk carriers from subsidiaries of Golden Ocean for a total cost of $272.0
million. The vessels were immediately chartered back to a subsidiary of Golden Ocean on ten year time charters, at base charter rates of $17,600
per  day  for  the  first  seven  years  and  $14,900  per  day  thereafter.  The  charters  also  included  an  interest  adjustment  clause,  whereby  the  base
charter  rates  are  adjusted  based  on  the  actual  LIBOR  compared  to  a  base  LIBOR.  The  performance  under  the  charters  is  fully  guaranteed  by
Golden Ocean. We will also receive a 33% profit share of revenues above the interest adjusted base charter rates, calculated and payable on a
quarterly  basis.  In  the  year  ended December 31, 2018, the Company earned $0.2 million  income  under  this  arrangement  (2017: $0.2  million;
2016: $nil). The charters for these vessels are classified as operating leases and at December 31, 2018, the net book value of these vessels was
$217.7 million (2017: $233.7 million).

We pay Frontline Management a management fee of $9,000 per day per vessel for all vessels chartered to Frontline Shipping, apart from certain
vessels where the fee is suspended while they are sub-chartered on a bareboat basis. This daily fee has been payable since July 1, 2015, when
amendments to the charter agreement became effective, before which the fixed daily fee was $6,500 per day. As of March 26, 2019, we also have
15 container vessels, 14 dry bulk carriers, two Suezmax tankers, two car carriers and two product tankers operating on time charter or in the spot
market,  for  which  the  supervision  of  the  technical  management  is  sub-contracted  to  Frontline  Management.  In  the  year  ended  December 31,
2018, management fees paid to Frontline Management amounted to $24.0 million (2017: $36.5 million; 2016: $45.9 million). The management
fees are classified as vessel operating expenses.

We pay Golden Ocean Management a management fee of $7,000 per day per vessel for the eight vessels chartered to a subsidiary of Golden
Ocean.  As  of  March  26,  2019,  we  also  have  15  container  vessels  and  14  dry  bulk  carriers  operating  on  time-charters,  for  which  part  of  the
operating management is sub-contracted to Golden Ocean Management. In the year ended December 31, 2018, total management fees paid to
Golden Ocean Management amounted to approximately $21.2 million (2017: $21.2 million; 2016: $21.3 million).

In February 2018, July 2018, August 2018, September 2018 and October 2018, we sold the vessels Front Circassia, Front Page, Front Stratus,
Front Serenade and Front Ariake, respectively, to unrelated third parties. A termination fee of $8.9 million (with a fair value of $4.4 million),
was received in the form of a loan note from Frontline Shipping and $3.4 million, $3.4 million, $3.4 million and $3.4 million respectively, were
received in the form of loan notes from Frontline as compensation for early termination of the charters.

In March 2017, May 2017, June 2017 and August 2017, Front Century, Front Brabant, Front Scilla and Front Ardenne on charter to Frontline
Shipping were sold to unrelated third parties and their leases canceled, with agreed termination fees of $4.1 million, $3.6 million, $6.5 million
and $4.8 million, respectively, received as compensation for the early termination of the charters.

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In July 2016, the VLCC Front Vanguard on charter to Frontline Shipping was sold to an unrelated third party, with an agreed termination fee of
$0.3 million received as compensation for the early termination of the charter.

In February 2016, we sold the offshore support vessel Sea Bear to an unrelated third party and received compensation from Deep Sea for the
early  termination  of  the  charter.  The  compensation  was  in  the  form  of  a  loan  note  from  Deep  Sea,  receivable  over  the  approximately  six
remaining years of the canceled lease. The initial face value of the notes, on which interest at 7.25% is receivable, was $14.6 million and their
initial fair value was determined to be $11.6 million. The Company received $0.4 million interest on the loan note in 2017 up until it was no
longer considered a related party receivable (2016: $0.9 million).

On October 5, 2016, we issued a senior unsecured convertible bond loan totaling $225 million. In conjunction with the bond issue, we loaned up
to 8,000,000 of our common shares to an affiliate of one of the underwriters of the issue, in order to assist investors in the bonds to hedge their
position. The shares that we lent were initially borrowed from Hemen, our largest shareholder, for a one-time loan fee of $120,000. In November
2016, we issued 8,000,000 new shares, to replace the shares borrowed from Hemen, and received $80,000 from Hemen.

In May 2018, four wholly-owned subsidiaries of the Company entered into a $320.0 million unsecured loan facility provided by an affiliate of
Hemen, Sterna Finance. The unsecured intermediary loan facility was entered into to partly fund the acquisition of four 13,800 TEU container
vessels acquired in May 2018. The Company had provided a corporate guarantee for this loan facility, which had a fixed interest rate, was non-
amortizing  and  had  a  term  of  13  months  from  the  drawdown  date  of  the  loan.  Interest  expense  incurred  on  the  loan  in  the  year  ended
December 31, 2018 was $6.4 million. The loan balance was prepaid in full in November 2018.

In August 2018, the Company acquired 4,031,800 shares in ADS, a newly formed company trading on the Oslo Merkur Market. The shares were
purchased  for  $10.0 million,  and  have  a  fair  value  of  $9.2 million  at  December  31,  2018.  These  shares,  on  which  no  dividend  income  was
received in the year ended December 31, 2018, represent approximately 17.24% of the outstanding shares in the company.

In  November  2016,  we  acquired  approximately  12  million  shares  in  NorAm  Drilling  for  a  consideration  of  approximately  $0.7  million.  In
November 2018 NorAm undertook a share consolidation of 20:1, resulting in a revised investment of 601,023 shares. On the same day NorAm
participated in a rights issue, increasing the Company's investment in shares by 623,447 shares. In December 2018, the Company acquired an
additional 41,756 shares bringing the total investment in NorAm to 1,266,226 shares with a fair value of $3.9 million. This investment, on which
$nil dividend was received in the year ended December 31, 2018, is included in "Investments in Debt and Equity Securities" (Note 11) (2017:
$nil; 2016: $nil).

The  Company  also  holds  within  "Investments  in  Debt  and  Equity  Securities"  senior  secured  corporate  bonds  in  NorAm  Drilling  due  2021.
During  the  year  ended  December  31,  2018,  the  Company  redeemed  a  total  of  466,667  units  at  par  value  and  recorded  no  gain  or  loss  on
redemption. This investment is included in Note 11: Investments in Debt and Equity Securities. Interest amounting to $0.5 million was earned in
the year ended December 31, 2018 (2017: $0.5 million; 2016: $0.5 million). In addition, the Company earned other income of $nil in the year
ended December 31, 2018, (2017: $0.1 million; 2016: $nil).

During  the  year  ended  December  31,  2018,  Golden  Close  initiated  liquidation  proceedings.  As  a  result  of  this,  the  Company  received  total
proceeds of $45.6 million in settlement of its total investment, resulting in an overall net gain of $13.5 million. The Company earned interest
income on the Golden Close notes up to the date of redemption of $0.2 million in the year ended December 31, 2018 (2017: $0.6 million; 2016:
$0.2 million). As at December 31, 2018, the net investment in Golden Close debt and equity securities is $nil (2017: $28.5 million).

During the year ended December 31, 2017, the Company received 8.9 million shares in Golden Close as part of a bond restructuring undertaken
by Golden Close. These shares represented approximately 20% of the outstanding shares in the company when they were acquired.

In June 2017, the Company facilitated a performance guarantee in favour of an oil company relating to a new contract for the drillship Deepsea
Metro 1, which is owned by Golden Close. The guarantee had a maximum liability limited to $18.0 million, a maturity of up to six months, and
was  secured  under  a  first  lien  mortgage  over  the  drillship,  ranking  ahead  of  other  secured  claims.  In  the  year  ended  December  31,  2017,  the
Company  recorded  net  fee  income  of  $0.4  million  for  facilitating  the  guarantee.  The  performance  guarantee  agreement  was  terminated  in
September 2017.

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SFL Deepwater, SFL Hercules and SFL Linus are wholly-owned subsidiaries of the Company, which are accounted for using the equity method.
Ship  Finance  has  agreements  with  SFL  Deepwater,  SFL  Hercules  and  SFL  Linus  granting  them  loans  of  $145.0 million, $145.0  million  and
$125.0 million, respectively. The loans carry a fixed interest rate and are repayable in full on October 1, 2023, October 1, 2023 and June 30,
2029,  respectively,  or  earlier  if  the  companies  sell  their  drilling  units.  The  outstanding  loan  balances  as  at  December  31,  2018,  were  $109.0
million, $80.0 million, and $121.0 million for SFL Deepwater, SFL Hercules and SFL Linus, respectively. Ship Finance is entitled to take excess
cash from these companies, and such amounts are recorded within their current accounts with Ship Finance. The loan agreements specify that the
balance on the current accounts will have no interest applied and will be settled by offset against the eventual repayments of the fixed interest
loans. In the year ended December 31, 2018, the Company received interest income on these loans of $5.1 million from SFL Deepwater (2017:
$5.4 million; 2016: $6.5 million), $3.6 million from SFL Hercules (2017: $4.3 million; 2016: $6.5 million)  and  $5.4 million  from  SFL  Linus
(2017: $5.5 million, 2016: $5.6 million) totaling $14.1 million.  As  at December 31, 2018,  the  combined  bank  borrowings  of  SFL  Deepwater,
SFL Hercules and SFL Linus amounted to $655.2 million  and  the  Company  guaranteed  $266.1 million  of  this  debt  which is  secured  by  first
priority  mortgages  over  the  relevant  rigs.  In  addition,  the  Company  has  assigned all  claims  it  may  have  under  secured  loans  granted  by  the
Company to SFL Deepwater, SFL Hercules and SFL Linus, in favor of the lenders under the respective credit facilities.

C. INTERESTS OF EXPERTS AND COUNSEL

Not Applicable.

ITEM 8.

FINANCIAL INFORMATION

A. CONSOLIDATED STATEMENTS AND OTHER FINANCIAL INFORMATION

See Item 18.

Legal Proceedings

We and our ship-owning subsidiaries are routinely party, as plaintiff or defendant, to claims and lawsuits in various jurisdictions for demurrage,
damages, off-hire and other claims and commercial disputes arising from the operation of their vessels, in the ordinary course of business or in
connection  with  acquisition  activities.  We  believe  that  resolution  of  such  claims  will  not  have  a  material  adverse  effect  on  our  operations  or
financial conditions.

Dividend Policy

Our Board of Directors adopted a policy in May 2004 in connection with our public listing, whereby we seek to pay a regular quarterly dividend,
the amount of which is based on our contracted revenues and growth prospects. Our goal is to increase our quarterly dividend as we grow the
business, but the timing and amount of dividends, if any, is at the sole discretion of our Board of Directors and will depend upon our operating
results, financial condition, cash requirements, restrictions in terms of financing arrangements and other relevant factors.

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We have paid the following cash dividends in 2014, 2015, 2016, 2017 and 2018:

Payment Date

2014

March 28, 2014

June 30, 2014

September 30, 2014

December 30, 2014

2015

March 27, 2015

June 30, 2015

September 30, 2015

December 30, 2015

2016

March 30, 2016

June 29, 2016

September 29, 2016

December 29, 2016

2017

March 30, 2017

June 30, 2017

September 29, 2017

December 29, 2017

2018

March 27, 2018

June 29, 2018

September 27, 2018

December 28, 2018

  Amount per
Share

$

$

$

$

$

$

$

$

$

$

$

$

$

$

$

$

$

$

$

$

0.40   
0.41   
0.41   
0.41   

0.42   
0.43   
0.44   
0.45   

0.45   
0.45   
0.45   
0.45   

0.45   
0.45   
0.35   
0.35   

0.35   
0.35   
0.35   
0.35   

On February 26, 2019, our Board of Directors declared a dividend of $0.35 per share which will be paid in cash on or around March 26, 2019.

B. SIGNIFICANT CHANGES

None.

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ITEM 9.

THE OFFER AND LISTING

Not applicable except for Item 9.A.4. and Item 9.C.

The Company's common shares were listed on the NYSE on June 15, 2004, and commenced trading on that date under the symbol "SFL".

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ITEM 10. ADDITIONAL INFORMATION

A. SHARE CAPITAL

Not Applicable.

B. MEMORANDUM AND ARTICLES OF ASSOCIATION

The Memorandum of Association of the Company has previously been filed as Exhibit 3.1 to the Company's Registration Statement on Form F-4
(Registration No. 333-115705) filed with the SEC on May 25, 2004, and is hereby incorporated by reference into this Annual Report.

At our 2013 Annual General Meeting the shareholders voted to amend our Bye-laws, principally those governing General Meetings, proceedings
of the Board of Directors and delegation of its powers. These amended Bye-laws of the Company as adopted by shareholders on September 20,
2013, have previously been filed as Exhibit 1.3 to the Company's annual report on Form 20-F for the year ended December 31, 2014, filed with
the SEC on April 9, 2015 and are hereby incorporated by reference to this Annual Report.

At our 2016 Annual General Meeting the shareholders voted to amend our Bye-laws to change the quorum requirement for General Meetings to
two Members present in person or by proxy and entitled to vote (whatever the number of shares held by them). These amended Bye-laws of the
Company as adopted by shareholders on September 23, 2016, have previously been filed as Exhibit 1 to the Company’s report on Form 6-K,
filed with the SEC on September 29, 2016, and are hereby incorporated by reference to this Annual Report.

At our 2016 Annual General Meeting the shareholders approved the reorganization of the Company’s share capital which resulted in a reduction
of the par value of the Company’s common shares from $1.00 to $0.01 and an increase in the number of authorized shares from 125,000,000 to
150,000,000.

At  our  2018 Annual  General  Meeting,  the  shareholders  approved  the  increase  of  the  Company’s  authorized  share  capital  from  US$1,500,000
divided into 150,000,000 common shares of US$0.01 par value each to US$2,000,000 divided into 200,000,000 common shares of US$0.01 par
value each by the authorization of an additional 50,000,000 common shares of US$0.01 par value each.

The purposes and powers of the Company are set forth in Items 6(1) and 7(a) through (h) of our Memorandum of Association and in the Second
Schedule of the Bermuda Companies Act of 1981, which is attached as an exhibit to our Memorandum of Association.  These purposes include
exploring,  drilling,  moving,  transporting  and  refining  petroleum  and  hydro-carbon  products,  including  oil  and  oil  products;  the  acquisition,
ownership,  chartering,  selling,  management  and  operation  of  ships  and  aircraft;  the  entering  into  of  any  guarantee,  contract,  indemnity  or
suretyship  and  to  assure,  support,  secure,  with  or  without  the  consideration  or  benefit,  the  performance  of  any  obligations  of  any  person  or
persons; and the borrowing and raising of money in any currency or currencies to secure or discharge any debt or obligation in any manner.

Bermuda  law  permits  the  Bye-laws  of  a  Bermuda  company  to  contain  provisions  excluding  personal  liability  of  a  director,  alternate  director,
officer, member of a committee authorized under Bye-law 98, resident representative or their respective heirs, executors or administrators to the
company for any loss arising or liability attaching to him by virtue of any rule of law in respect of any negligence, default, breach of duty or
breach of trust of which the officer or person may be guilty.  Bermuda law also grants companies the power generally to indemnify directors,
alternate directors and officers of the Company and any members of a committee authorized under Bye-law 98, resident representatives or their
respective heirs, executors or administrators if any such person was or is a party or threatened to be made a party to a threatened, pending or
completed  action,  suit  or  proceeding  by  reason  of  the  fact  that  he  or  she  is  or  was  a  director,  alternate  director  or  officer  of  the  Company  or
member of a committee authorized under Bye-law 98, resident representative or their respective heirs, executors or administrators or was serving
in a similar capacity for another entity at the Company's request.

Our shareholders have no pre-emptive, subscription, redemption, conversion or sinking fund rights. Shareholders are entitled to one vote for each
share  held  of  record  on  all  matters  submitted  to  a  vote  of  our  shareholders.  Shareholders  have  no  cumulative  voting  rights.  Shareholders  are
entitled to dividends if and when they are declared by our Board of Directors, subject to any preferred dividend right of holders of any preference
shares. Directors to be elected by shareholder require a majority of votes cast at a meeting at which a quorum is present. For all other matters,
unless a different majority is required by law or our Bye-laws, resolutions to be approved by shareholders require approval by a majority of votes
cast at a meeting at which a quorum is present.

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Upon our liquidation, dissolution or winding up, shareholders will be entitled to receive, ratably, our net assets available after the payment of all
our debts and liabilities and any preference amount owed to any preference shareholders. The rights of shareholders, including the right to elect
directors, are subject to the rights of any series of preference shares we may issue in the future.

Under our Bye-laws annual meetings of shareholders will be held each calendar year at a time and place selected by our Board of Directors (but
never in the United Kingdom or Norway). Special meetings of shareholders may be called by our Board of Directors at any time and must be
called at the request of shareholders holding at least 10% of our paid-up share capital carrying the right to vote at general meetings. Under our
Bye-laws five days' notice of an annual meeting or any special meeting must be given to each shareholder entitled to vote at that meeting. Under
Bermuda law accidental failure to give notice will not invalidate proceedings at a meeting. Our Board of Directors may set a record date at any
time before or after any date on which such notice is dispatched.

Special rights attaching to any class of our shares may be altered or abrogated with the consent in writing of not less than 75% of the issued
shares of that class or with the sanction of a resolution passed at a separate general meeting of the holders of such shares voting in person or by
proxy.

Our  Bye-laws  do  not  prohibit  a  director  from  being  a  party  to,  or  otherwise  having  an  interest  in,  any  transaction  or  arrangement  with  the
Company or in which the Company is otherwise interested.  Our Bye-laws provide our Board of Directors the authority to exercise all of the
powers of the Company to borrow money and to mortgage or charge all or any part of our property and assets as collateral security for any debt,
liability  or  obligation.    Our  directors  are  not  required  to  retire  because  of  their  age,  and  our  directors  are  not  required  to  be  holders  of  our
common shares.  Directors serve for one year terms, and shall serve until re-elected or until their successors are appointed at the next annual
general meeting.

Our Bye-laws provide that no director, alternate director, officer, person or member of a committee, if any, resident representative, or his heirs,
executors or administrators, which we refer to collectively as an indemnitee, is liable for the acts, receipts, neglects, or defaults of any other such
person or any person involved in our formation, or for any loss or expense incurred by us through the insufficiency or deficiency of title to any
property acquired by us, or for the insufficiency or deficiency of any security in or upon which any of our monies shall be invested, or for any
loss  or  damage  arising  from  the  bankruptcy,  insolvency,  or  tortious  act  of  any  person  with  whom  any  monies,  securities,  or  effects  shall  be
deposited,  or  for  any  loss  occasioned  by  any  error  of  judgment,  omission,  default,  or  oversight  on  his  part,  or  for  any  other  loss,  damage  or
misfortune whatever which shall happen in relation to the execution of his duties, or supposed duties, to us or otherwise in relation thereto.  Each
indemnitee will be indemnified and held harmless out of our funds to the fullest extent permitted by Bermuda law against all liabilities, loss,
damage  or  expense  (including  but  not  limited  to  liabilities  under  contract,  tort  and  statute  or  any  applicable  foreign  law  or  regulation  and  all
reasonable legal and other costs and expenses properly payable) incurred or suffered by him as such director, alternate director, officer, person or
committee member or resident representative (or in his reasonable belief that he is acting as any of the above).  In addition, each indemnitee shall
be  indemnified  against  all  liabilities  incurred  in  defending  any  proceedings,  whether  civil  or  criminal,  in  which  judgment  is  given  in  such
indemnitee's  favor,  or  in  which  he  is  acquitted.    We  are  authorized  to  purchase  insurance  to  cover  any  liability  he  may  incur  under  the
indemnification provisions of our Bye-laws.

C. MATERIAL CONTRACTS

The Company has not entered into any new material contracts since January 1, 2018, other than those entered in the ordinary course of business
or already attached in the exhibits.

Seadrill’s Plan of Reorganization

On July 2, 2018, Seadrill emerged from Chapter 11 successfully completing its reorganization pursuant its plan of reorganization, or the Plan of
Reorganization entered into in 2017. Under the terms of the Plan of Reorganization, the Company has agreed to reduce the contractual charter
hire for each of the three drilling units on charter to the Seadrill Charterers by approximately 29% for a period of five years starting in 2018, with
the reduced amounts added back in the period thereafter, as set out in the Restructuring Plan. The term of the charters for West Hercules and
West Taurus were extended by 13 months until December 2024. The call options on behalf of the Seadrill Charterers under the relevant leases
have also been amended as set out in the Restructuring Plan. In addition, the purchase obligations in the case of West Hercules and West Taurus
and the put option in the case of West Linus at expiry of the charters have been amended as set out in the Restructuring Plan. The performance
under the charters is guaranteed by Seadrill. The Restructuring Plan is an exhibit incorporated by reference to this annual report.

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We also refer you to “Item 4. Information on the Company -A. History and Development of the Company,” “Item 5. Operating and Financial
Review and Prospects -B. Liquidity and Capital Resources” and “Item 7. Major Shareholders and Related Party Transactions -B. Related Party
Transactions” for a discussion of existing material agreements.

D. EXCHANGE CONTROLS

The  Bermuda  Monetary  Authority,  or  the  BMA,  must  give  permission  for  all  issuances  and  transfers  of  securities  of  a  Bermuda  exempted
company like us. We have received a general permission from the BMA to issue any unissued common shares, and for the free transferability of
the  common  shares  as  long  as  our  common  shares  are  listed  on  the  NYSE.  Our  common  shares  may  therefore  be  freely  transferred  among
persons who are non-residents of Bermuda.

Although we are incorporated in Bermuda, we are classified as non-resident of Bermuda for exchange control purposes by the BMA. Other than
transferring  Bermuda  Dollars  out  of  Bermuda,  there  are  no  restrictions  on  our  ability  to  transfer  funds  into  and  out  of  Bermuda  or  to  pay
dividends to U.S. residents who are holders of our common shares or other non-resident holders of our common shares in currency other than
Bermuda Dollars.

E. TAXATION

U.S. Taxation

The  following  discussion  is  based  upon  the  provisions  of  the  U.S.  Internal  Revenue  Code  of  1986,  as  amended,  or  the  Code,  existing  and
proposed U.S. Treasury Department regulations, or the Treasury Regulations, administrative rulings and pronouncements and judicial decisions,
all  as  of  the  date  of  this  annual  report.    Unless  otherwise  noted,  references  to  the  "Company"  include  the  Company's  Subsidiaries.    This
discussion assumes that we do not have an office or other fixed place of business in the United States.

Taxation of the Company's Shipping Income: In General

The  Company  anticipates  that  it  will  derive  a  significant  portion  of  its  gross  income  from  the  use  and  operation  of  vessels  in  international
commerce and that this income will principally consist of freights from the transportation of cargoes, hire or lease from time or voyage charters
and the performance of services directly related thereto, which the Company refers to as "shipping income."

Shipping  income  that  is  attributable  to  transportation  that  begins  or  ends,  but  that  does  not  both  begin  and  end,  in  the  United  States  will  be
considered to be 50% derived from sources within the United States.  Shipping income attributable to transportation that both begins and ends in
the United States will be considered to be 100% derived from sources within the United States.  The Company is not permitted by law to engage
in transportation that gives rise to 100% U.S. source income.

Shipping income attributable to transportation exclusively between non-U.S. ports will be considered to be 100% derived from sources outside
the United States.  Shipping income derived from sources outside the United States will not be subject to U.S. federal income tax.

Based upon the Company's anticipated shipping operations, the Company's vessels will operate in various parts of the world, including to or from
U.S. ports. Unless exempt from U.S. federal income taxation under Section 883 of the Code, the Company will be subject to U.S. federal income
taxation, in the manner discussed below, to the extent its shipping income is considered derived from sources within the United States.

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Application of Section 883 of the Code

Under the relevant provisions of Section 883 of the Code, or Section 883, the Company will be exempt from U.S. federal income taxation on its
U.S. source shipping income if:

(i)

It  is  organized  in  a  "qualified  foreign  country,"  which  is  one  that  grants  an  equivalent  exemption  from  tax  to  corporations
organized in the United States in respect of the shipping income for which exemption is being claimed under Section 883, and
which the Company refers to as the Country of Organization Requirement; and

(ii) It can satisfy any one of the following two stock ownership requirements for more than half the days during the taxable year:
•

the  Company's  stock  is  "primarily  and  regularly  traded  on  an  established  securities  market"  located  in  the  United  States  or  a
"qualified foreign country," which the Company refers to as the Publicly-Traded Test; or

• more than 50% of the Company's stock, in terms of value, is beneficially owned by any combination of one or more individuals
who are residents of a "qualified foreign country" or foreign corporations that satisfy the Country of Organization Requirement
and the Publicly-Traded Test, which the Company refers to as the 50% Ownership Test.

The  U.S.  Treasury  Department  has  recognized  Bermuda,  the  country  of  incorporation  of  the  Company  and  certain  of  its  subsidiaries,  as  a
"qualified  foreign  country."  In  addition,  the  U.S.  Treasury  Department  has  recognized  Liberia,  the  Marshall  Islands,  Malta  and  Cyprus,  the
countries of incorporation of certain of the Company's vessel-owning subsidiaries, as "qualified foreign countries."  Accordingly, the Company
and its vessel-owning subsidiaries satisfy the Country of Organization Requirement.

Therefore, the Company's eligibility to qualify for exemption under Section 883 is wholly dependent upon being able to satisfy one of the stock
ownership requirements.

As discussed below, for the 2018 taxable year we believe the Company satisfied the Publicly-Traded Test, since on more than half the days in the
taxable  year  we  believe  the  Company's  common  shares  were  primarily  and  regularly  traded  on  an  established  securities  market  in  the  United
States, namely the NYSE.

As to the Publicly-Traded Test, the Treasury Regulations under Section 883 provide, in pertinent part, that stock of a foreign corporation will be
considered to be "primarily traded" on an established securities market in a country if the number of shares of each class of stock that is traded
during any taxable year on all established securities markets in that country exceeds the number of shares in each such class that is traded during
that year on established securities markets in any other single country.

The  Publicly-Traded  Test  also  requires  our  common  shares  be  "regularly  traded"  on  an  established  securities  market.    Under  the  Treasury
Regulations, our common shares are considered to be "regularly traded" on an established securities market if shares representing more than 50%
of our outstanding common shares, by both total combined voting power of all classes of stock entitled to vote and total value, are listed on the
market, referred to as the "listing threshold." The Treasury Regulations further require that with respect to each class of stock relied upon to meet
the listing threshold (i) such class of stock is traded on the market, other than in minimal quantities, on at least 60 days during the taxable year or
1/6 of the days in a short taxable year, which is referred to as the "trading frequency test", and (ii) the aggregate number of shares of such class of
stock traded on such market during the taxable year is at least 10% of the average number of shares of such class of stock outstanding during
such year (as appropriately adjusted in the case of a short taxable year), which is referred to as the "trading volume test."  Even if we do not
satisfy both the trading frequency and trading volume tests, the Treasury Regulations provide that the trading frequency and trading volume tests
will be deemed satisfied if our common shares are traded on an established securities market in the United States and such stock is regularly
quoted by dealers making a market in our common shares, such as the NYSE on which our common shares are listed.

Notwithstanding  the  foregoing,  our  common  shares  will  not  be  considered  to  be  regularly  traded  on  an  established  securities  market  for  any
taxable year in which 50% or more of the vote and value of the outstanding common shares are owned, actually or constructively under certain
stock attribution rules, on more than half the days during the taxable year by persons who each own 5% or more of the value of our common
shares, which we refer to as the 5 Percent Override Rule.

In order to determine the persons who actually or constructively own 5% or more of our common shares, or 5% Shareholders, we are permitted
to rely on those persons that are identified on Schedule 13G and Schedule 13D filings with the U.S. Securities and Exchange Commission as
having a 5% or more beneficial interest in our common shares. In addition, an investment company identified on a Schedule 13G or Schedule
13D  filing  which  is  registered  under  the  Investment  Company  Act  of  1940,  as  amended,  will  not  be  treated  as  a  5%  Shareholder  for  such
purposes.

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For our 2018 taxable year, we do not believe that we were subject to the 5 Percent Override Rule and, therefore, we believe that we satisfied the
Publicly-Traded  Test.  There  are,  however,  factual  circumstances  beyond  our  control  that  could  cause  the  Company  to  lose  the  benefit  of  the
Section 883 exemption and thereby become subject to U.S. federal income tax on its U.S. source shipping income.  For example, Hemen owned
as much as approximately 22.5% of our outstanding common shares during the 2018 year. There is, therefore, a risk that the Company could no
longer qualify for exemption under Section 883 for a particular taxable year if other 5% Shareholders were, in combination with Hemen, to own
50% or more of the outstanding common shares of the Company on more than half the days during the taxable year. Due to the factual nature of
the issues involved, there can be no assurances as to the tax-exempt status of the Company or any of its subsidiaries.

In the event the 5 Percent Override Rule is triggered, the 5 Percent Override Rule will nevertheless not apply if we can establish that among the
closely-held group of 5% Shareholders, there are sufficient 5% Shareholders that are considered to be "qualified shareholders" for purposes of
Section 883 to preclude non-qualified 5% Shareholders in the closely-held group from owning 50% or more of our common shares for more than
half the number of days during the taxable year.

In any year that the 5 Percent Override Rule is triggered with respect to us, we are eligible for the exemption from tax under Section 883 only if
we can nevertheless satisfy the Publicly-Traded Test (which requires, among other things, showing that the exception to the 5 Percent Override
Rule applies) or if we can satisfy the 50% Ownership Test. In either case, certain substantiation and reporting requirements regarding the identity
of our shareholders must be satisfied in order to qualify for the Section 883 exemption. These requirements are onerous and there is no assurance
that we would be able to satisfy them.

Taxation in Absence of the Section 883 Exemption

To the extent the benefits of Section 883 are unavailable with respect to any item of U.S. source income, the Company's U.S. source shipping
income, to the extent not considered to be "effectively connected" with the conduct of a U.S. trade or business, as described below, would be
subject to a 4% tax imposed by Section 887 of the Code on a gross basis, without the benefit of deductions, which we refer to as the "4% gross
basis tax regime." Since, under the sourcing rules described above, no more than 50% of the Company's shipping income would be treated as
being derived from U.S. sources, the maximum effective rate of U.S. federal income tax on the Company's shipping income, to the extent not
considered  to  be  "effectively  connected"  with  the  conduct  of  a  U.S.  trade  or  business,  would  never  exceed  2%  under  the  4%  gross  basis  tax
regime.

To the extent the benefits of the Section 883 exemption are unavailable and our U.S. source shipping income is considered to be "effectively
connected" with the conduct of a U.S. trade or business, as described below, any such "effectively connected" U.S. source shipping income, net
of applicable deductions, would be subject to the U.S. federal corporate income tax imposed at rate of 21%. In addition, we may be subject to the
30% "branch profits" tax on earnings "effectively connected" with the conduct of such U.S. trade or business, as determined after allowance for
certain adjustments, and on certain interest paid or deemed paid attributable to the conduct of such U.S. trade or business.

Our U.S. source shipping income would be considered "effectively connected" with the conduct of a U.S. trade or business only if:

•

•

we had, or were considered to have, a fixed place of business in the United States involved in the earning of U.S. source shipping
income; and
substantially all of our U.S. source shipping income were attributable to regularly scheduled transportation, such as the operation of a
vessel that followed a published schedule with repeated sailings at regular intervals between the same points for voyages that begin or
end in the United States, or, in the case of income from the chartering of a vessel, were attributable to a fixed place of business in the
United States.

We do not have, nor will we permit circumstances that would result in having, any vessel sailing to or from the United States on a regularly
scheduled basis. Based on the foregoing and on the expected mode of our shipping operations and other activities, we believe that none of our
U.S. source shipping income is or will be "effectively connected" with the conduct of a U.S. trade or business.

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Gain on Sale of Vessels

Regardless of whether we qualify for exemption under Section 883, we will not be subject to U.S. federal income taxation with respect to gain
realized on a sale of a vessel, provided the sale is considered to occur outside of the United States under U.S. federal income tax principles.  In
general, a sale of a vessel will be considered to occur outside of the United States for this purpose if title to the vessel, and risk of loss with
respect to the vessel, pass to the buyer outside of the United States.  It is expected that any sale of a vessel by us will be considered to occur
outside of the United States.

U.S. Taxation of Our Other Income

In  addition  to  our  shipping  operations,  we  charter  drilling  rigs  to  third  parties  who  conduct  drilling  operations  in  various  parts  of  the
world.  Since we are not engaged in a trade or business in the United States, we do not expect to be subject to U.S. federal income tax on any of
our income from such charters.

Taxation of U.S. Holders

The  following  is  a  discussion  of  the  material  U.S.  federal  income  tax  considerations  relevant  to  an  investment  decision  by  a  U.S.  Holder,  as
defined below, with respect to our common shares.  This discussion does not purport to deal with the tax consequences of owning our common
shares  to  all  categories  of  investors,  some  of  which  may  be  subject  to  special  rules.    You  are  encouraged  to  consult  your  own  tax  advisors
concerning the overall tax consequences arising in your own particular situation under U.S. federal, state, local or foreign law of the ownership
of our common shares.

As used herein, the term U.S. Holder means a beneficial owner of our common shares that (i) is a U.S. citizen or resident, a U.S. corporation or
other U.S. entity taxable as a corporation, an estate, the income of which is subject to U.S. federal income taxation regardless of its source, or a
trust if a court within the United States is able to exercise primary jurisdiction over the administration of the trust and one or more U.S. persons
have  the  authority  to  control  all  substantial  decisions  of  the  trust,  (ii)  owns  our  common  shares  as  a  capital  asset,  generally,  for  investment
purposes, and (iii) owns less than 10% of our common shares for U.S. federal income tax purposes.

If  a  partnership  holds  our  common  shares,  the  tax  treatment  of  a  partner  will  generally  depend  upon  the  status  of  the  partner  and  upon  the
activities  of  the  partnership.    If  you  are  a  partner  in  a  partnership  holding  our  common  shares,  you  are  encouraged  to  consult  your  own  tax
advisor regarding this issue.

Distributions

Subject to the discussion below of passive foreign investment companies, or PFICs, any distributions made by us with respect to our common
shares  to  a  U.S.  Holder  will  generally  constitute  dividends,  which  may  be  taxable  as  ordinary  income  or  "qualified  dividend  income"  as
described in more detail below, to the extent of our current or accumulated earnings and profits, as determined under U.S. federal income tax
principles.    Distributions  in  excess  of  our  earnings  and  profits  will  be  treated  first  as  a  nontaxable  return  of  capital  to  the  extent  of  the  U.S.
Holder's tax basis in his common shares on a dollar-for-dollar basis and thereafter as capital gain.  Because we are not a U.S. corporation, U.S.
Holders that are corporations will generally not be entitled to claim a dividends-received deduction with respect to any distributions they receive
from us.

Dividends paid on our common shares to a U.S. Holder who is an individual, trust or estate, which we refer to as a U.S. Individual Holder, will
generally be treated as "qualified dividend income" that is taxable to such U.S. Individual Holders at preferential tax rates provided that (1) the
common shares are readily tradable on an established securities market in the United States (such as the NYSE, on which our common shares are
listed); (2) we are not a PFIC for the taxable year during which the dividend is paid or the immediately preceding taxable year (see discussion
below); and (3) the U.S. Individual Holder has owned the common shares for more than 60 days in the 121-day period beginning 60 days before
the date on which the common shares become ex-dividend.

There is no assurance that any dividends paid on our common shares will be eligible for these preferential rates in the hands of a U.S. Individual
Holder.   Any  dividends  paid  by  the  Company  which  are  not  eligible  for  these  preferential  rates  will  be  taxed  as  ordinary  income  to  a  U.S.
Individual Holder.

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Sale, Exchange or other Disposition of Common Shares

Assuming we do not constitute a PFIC for any taxable year, a U.S. Holder generally will recognize taxable gain or loss upon a sale, exchange or
other disposition of our common shares in an amount equal to the difference between the amount realized by the U.S. Holder from such sale,
exchange or other disposition and the U.S. Holder's tax basis in such common shares.  Such gain or loss will be treated as long-term capital gain
or  loss  if  the  U.S.  Holder's  holding  period  in  the  common  shares  is  greater  than  one  year  at  the  time  of  the  sale,  exchange  or  other
disposition.  Otherwise, it will be treated as short-term capital gain or loss.  A U.S. Holder's ability to deduct capital losses is subject to certain
limitations.

Passive Foreign Investment Company Status and Significant Tax Consequences

Special U.S. federal income tax rules apply to a U.S. Holder that holds stock in a foreign corporation classified as a PFIC for U.S. federal income
tax  purposes.    In  general,  we  will  be  treated  as  a  PFIC  with  respect  to  a  U.S.  Holder  if,  for  any  taxable  year  in  which  such  holder  held  our
common shares, either at least 75% of our gross income for such taxable year consists of "passive income" (e.g., dividends, interest, capital gains
and rents derived other than in the active conduct of a rental business), or at least 50% of the average value of the assets held by the corporation
during such taxable year produce, or are held for the production of, "passive income."

For purposes of determining whether we are a PFIC, we will be treated as earning and owning our proportionate share of the income and assets,
respectively,  of  any  of  our  subsidiary  corporations  in  which  we  own  at  least  25%  of  the  value  of  the  subsidiary's  stock.    Income  earned,  or
deemed earned, by us in connection with the performance of services would not constitute passive income.  By contrast, rental income would
generally constitute "passive income" unless we were treated under specific rules as deriving our rental income in the active conduct of a trade or
business.

Although there is no legal authority directly on point, we believe that, for purposes of determining whether we are a PFIC, the gross income we
derive  or  are  deemed  to  derive  from  the  time  chartering  activities  of  our  wholly-owned  subsidiaries  more  likely  than  not  constitutes  services
income, rather than rental income.  Correspondingly, we believe that such income does not constitute "passive income," and the assets that we or
our wholly-owned subsidiaries own and operate in connection with the production of such income, in particular, the vessels, do not constitute
passive  assets  for  purposes  of  determining  whether  we  are  a  PFIC.    We  believe  there  is  substantial  legal  authority  supporting  our  position
consisting  of  case  law  and  Internal  Revenue  Service,  or  IRS,  pronouncements  concerning  the  characterization  of  income  derived  from  time
charters and voyage charters as services income for other tax purposes. This position is principally based upon the positions that (1) our time
charter income will constitute services income, rather than rental income, and (2) Frontline Management and Golden Ocean Management, which
provide services to certain of our time-chartered vessels, will be respected as separate entities from Frontline Shipping and the Golden Ocean
Charterer, with which they are respectively affiliated.

We intend to take the position that we were not treated as a PFIC for our 2018 taxable year. For the 2019 taxable year and future taxable years,
depending upon the relative amount of income we derive from our various assets as well as their relative fair market values, it is possible that we
may be treated as a PFIC.

We  note  that  there  is  no  direct  legal  authority  under  the  PFIC  rules  addressing  our  current  and  proposed  method  of  operation.  In  addition,
although we intend to conduct our affairs in a manner to avoid being classified as a PFIC with respect to any taxable year, we cannot assure you
that the nature of our operations will not change in the future.  Accordingly, no assurance can be given that the IRS or a court of law will accept
our position, and there is a significant risk that the IRS or a court of law could determine that we are a PFIC.

As discussed more fully below, if we were to be treated as a PFIC for any taxable year, a U.S. Holder would be subject to different taxation rules
depending on whether the U.S. Holder makes an election to treat us as a "Qualified Electing Fund", which election we refer to as a QEF Election.
As  an  alternative  to  making  a  QEF  election,  a  U.S.  Holder  should  be  able  to  make  a  "mark-to-market"  election  with  respect  to  our  common
shares, as discussed below, and which election we refer to as a Mark-to-Market Election. In any event, if we were to be treated as a PFIC for any
taxable year ending on or after December 31, 2013, a U.S. Holder would be required to file an annual report with the Internal Revenue Service
for that year with respect their holding in our common shares.

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Taxation of U.S. Holders Making a Timely QEF Election

If we were to be treated as a PFIC for any taxable year and a U.S. Holder makes a timely QEF Election, which U.S. Holder we refer to as an
Electing Holder, the Electing Holder must report each year for U.S. federal income tax purposes its pro rata share of our ordinary earnings and
our net capital gain, if any, for our taxable year that ends with or within the taxable year of the Electing Holder, regardless of whether or not
distributions were received from us by the Electing Holder.  The Electing Holder's adjusted tax basis in the common shares will be increased to
reflect  taxed  but  undistributed  earnings  and  profits.    Distributions  of  earnings  and  profits  that  had  been  previously  taxed  will  result  in  a
corresponding reduction in the adjusted tax basis in the common shares and will not be taxed again once distributed.  A U.S. Holder would make
a  QEF  Election  with  respect  to  any  taxable  year  that  we  are  a  PFIC  by  filing  one  copy  of  IRS  Form  8621  with  its  U.S.  federal  income  tax
return.  To make a QEF Election, a U.S. Holder must receive annually certain tax information from us.  There can be no assurances that we will
be able to provide such information annually.  An Electing Holder would generally recognize capital gain or loss on the sale, exchange or other
disposition of our common shares.

Taxation of U.S. Holders Making a Mark-to-Market Election

Alternatively, if we were to be treated as a PFIC for any taxable year and, as we anticipate, our common shares are treated as "marketable stock,"
a U.S. Holder would be permitted to make a Mark-to-Market Election with respect to our common shares, provided the U.S. Holder completes
and files IRS Form 8621 in accordance with the relevant instructions and related Treasury Regulations.  If that election is made, the U.S. Holder
generally would include as ordinary income in each taxable year the excess, if any, of the fair market value of the common shares at the end of
the taxable year over such holder's adjusted tax basis in the common shares.  The U.S. Holder would also be permitted an ordinary loss in respect
of the excess, if any, of the U.S. Holder's adjusted tax basis in the common shares over its fair market value at the end of the taxable year, but
only to the extent of the net amount previously included in income as a result of the Mark-to-Market Election.  A U.S. Holder's tax basis in its
common shares would be adjusted to reflect any such income or loss amount.  Gain realized on the sale, exchange or other disposition of our
common  shares  would  be  treated  as  ordinary  income,  and  any  loss  realized  on  the  sale,  exchange  or  other  disposition  of  the  common  shares
would be treated as ordinary loss to the extent that such loss does not exceed the net mark-to-market gains previously included in income by the
U.S. Holder.

Taxation of U.S. Holders Not Making a Timely QEF or Mark-to-Market Election

Finally, if we were to be treated as a PFIC for any taxable year, a U.S. Holder who does not make either a QEF Election or a Mark-to-Market
Election for that year, whom we refer to as a Non-Electing Holder, would be subject to special rules with respect to (1) any excess distribution
(i.e.,  the  portion  of  any  distributions  received  by  the  Non-Electing  Holder  on  our  common  shares  in  a  taxable  year  in  excess  of  125%  of  the
average annual distributions received by the Non-Electing Holder in the three preceding taxable years, or, if shorter, the Non-Electing Holder's
holding period for the common shares), and (2) any gain realized on the sale, exchange or other disposition of our common shares.  Under these
special rules:

•

•

•

the excess distribution or gain would be allocated ratably over the Non-Electing Holders' aggregate holding period for the common
shares;
the  amount  allocated  to  the  current  taxable  year  and  any  taxable  years  before  the  Company  became  a  PFIC  would  be  taxed  as
ordinary income; and
the amount allocated to each of the other taxable years would be subject to tax at the highest rate of tax in effect for the applicable
class of taxpayer for that year, and an interest charge for the deemed deferral benefit would be imposed with respect to the resulting
tax attributable to each such other taxable year.

These  penalties  would  not  apply  to  a  pension  or  profit  sharing  trust  or  other  tax-exempt  organization  that  did  not  borrow  funds  or  otherwise
utilize leverage in connection with its acquisition of our common shares.  If we were a PFIC, and a Non-Electing Holder who is an individual
died while owning our common shares, such holder's successor generally would not receive a step-up in tax basis with respect to such common
shares.

Taxation of Non-U.S. Holders

A beneficial owner of common shares (other than a partnership) that is not a U.S. Holder is referred to herein as a Non-U.S. Holder.

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Dividends on Common Shares

Non-U.S.  Holders  generally  will  not  be  subject  to  U.S.  federal  income  or  withholding  tax  on  dividends  received  from  us  with  respect  to  our
common shares, unless that dividend is effectively connected with the Non-U.S. Holder's conduct of a trade or business in the United States.  If
the Non-U.S. Holder is entitled to the benefits of a U.S. income tax treaty with respect to those dividends, that income is taxable, or taxable at the
full rate, only if it is attributable to a permanent establishment maintained by the Non-U.S. Holder in the United States.

Sale, Exchange or Other Disposition of Common Shares

Non-U.S. Holders generally will not be subject to U.S. federal income or withholding tax on any gain realized upon the sale, exchange or other
disposition of our common shares, unless:

•

•

the gain is effectively connected with the Non-U.S. Holder's conduct of a trade or business in the United States (and, if the Non-U.S.
Holder  is  entitled  to  the  benefits  of  an  income  tax  treaty  with  respect  to  that  gain,  that  gain  is  attributable  to  a  permanent
establishment maintained by the Non-U.S. Holder in the United States); or
the Non-U.S. Holder is an individual who is present in the United States for 183 days or more during the taxable year of disposition
and other conditions are met.

If  the  Non-U.S.  Holder  is  engaged  in  a  U.S.  trade  or  business  for  U.S.  federal  income  tax  purposes,  the  income  from  the  common  shares,
including  dividends  and  the  gain  from  the  sale,  exchange  or  other  disposition  of  the  common  shares,  that  is  effectively  connected  with  the
conduct of that trade or business will generally be subject to regular U.S. federal income tax in the same manner as discussed in the previous
section relating to the taxation of U.S. Holders. In addition, if you are a corporate Non-U.S. Holder, your earnings and profits that are attributable
to the effectively connected income, subject to certain adjustments, may be subject to an additional branch profits tax at a rate of 30%, or at a
lower rate as may be specified by an applicable income tax treaty.

Backup Withholding and Information Reporting

In  general,  dividend  payments,  or  other  taxable  distributions,  made  within  the  United  States  to  you  will  be  subject  to  information  reporting
requirements.  Such payments will also be subject to "backup withholding" if you are a non-corporate U.S. Holder and you:

•
•

•

fail to provide an accurate taxpayer identification number;
are notified by the IRS that you have failed to report all interest or dividends required to be shown on your U.S. federal income tax
returns; or
in certain circumstances, fail to comply with applicable certification requirements.

Non-U.S. Holders may be required to establish their exemption from information reporting and backup withholding by certifying their status on
an applicable IRS Form W-8.

If you are a Non-U.S. Holder and you sell your common shares to or through a U.S. office of a broker, the payment of the proceeds is subject to
both  U.S.  backup  withholding  and  information  reporting  unless  you  certify  that  you  are  a  non-U.S.  person,  under  penalties  of  perjury,  or
otherwise establish an exemption.  If you sell your common shares through a non-U.S. office of a non-U.S. broker and the sales proceeds are paid
to you outside the United States, then information reporting and backup withholding generally will not apply to that payment.  However, U.S.
information  reporting,  but  not  backup  withholding,  will  apply  to  a  payment  of  sales  proceeds,  including  a  payment  made  to  you  outside  the
United States, if you sell your common shares through a non-U.S. office of a broker that is a U.S. person or has some other contacts with the
United States. Such information reporting requirements will not apply, however, if the broker has documentary evidence that you are a non-U.S.
person and certain other conditions are met, or you otherwise establish an exemption.

Backup withholding is not an additional tax.  Rather, you generally may obtain a refund of any amounts withheld under backup withholding rules
that exceed your income tax liability by filing a refund claim with the IRS.

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Individuals who are U.S. Holders (and to the extent specified in applicable Treasury regulations, certain individuals who are Non-U.S. Holders
and certain U.S. entities) who hold "specified foreign financial assets" (as defined in Section 6038D of the Code) are required to file IRS Form
8938 with information relating to the asset for each taxable year in which the aggregate value of all such assets exceeds $75,000 at any time
during  the  taxable  year  or  $50,000  on  the  last  day  of  the  taxable  year  (or  such  higher  dollar  amount  as  prescribed  by  applicable  Treasury
regulations).  Specified foreign financial assets would include, among other assets, our common shares, unless the shares are held through an
account maintained with a U.S. financial institution. Substantial penalties apply to any failure to timely file IRS Form 8938, unless the failure is
shown  to  be  due  to  reasonable  cause  and  not  due  to  willful  neglect.  Additionally,  in  the  event  an  individual  U.S.  Holder  (and  to  the  extent
specified in applicable Treasury regulations, an individual Non-U.S. Holder or a U.S. entity) that is required to file IRS Form 8938 does not file
such form, the statute of limitations on the assessment and collection of U.S. federal income taxes of such holder for the related tax year may not
close  until  three  years  after  the  date  that  the  required  information  is  filed.    U.S.  Holders  (including  U.S.  entities)  and  Non-U.S.  Holders  are
encouraged to consult their own tax advisors regarding their reporting obligations under this legislation.

Bermuda Taxation

Under  current  Bermuda  law,  we  are  not  subject  to  tax  on  income  or  capital  gains.  We  have  received  from  the  Minister  of  Finance  under  The
Exempted  Undertaking  Tax  Protection  Act  1966,  as  amended,  an  assurance  that,  in  the  event  that  Bermuda  enacts  legislation  imposing  tax
computed on profits, income, any capital asset, gain or appreciation, or any tax in the nature of estate duty or inheritance, then the imposition of
any such tax shall not be applicable to us or to any of our operations or shares, debentures or other obligations, until March 31, 2035. We could
be subject to taxes in Bermuda after that date. This assurance is subject to the proviso that it is not to be construed to prevent the application of
any tax or duty to such persons as are ordinarily resident in Bermuda or to prevent the application of any tax payable in accordance with the
provisions  of  the  Land  Tax  Act  1967  or  otherwise  payable  in  relation  to  any  property  leased  to  us.  We  and  our  subsidiaries  incorporated  in
Bermuda pay annual government fees to the Bermuda government.

F. DIVIDENDS AND PAYING AGENTS

Not Applicable.

G. STATEMENT BY EXPERTS

Not Applicable.

H. DOCUMENTS ON DISPLAY

We are subject to the informational requirements of the Securities Exchange Act of 1934, as amended, or the Exchange Act. In accordance with
these  requirements,  we  file  reports  and  other  information  with  the  SEC.  These  materials,  including  this  annual  report  and  the  accompanying
exhibits,  may  be  inspected  and  copied  at  the  public  reference  facilities  maintained  by  the  SEC  at  100  F  Street,  N.E.,  Washington,  D.C.
20549.  You may obtain information on the operation of the public reference room by calling 1 (800) SEC-0330, and you may obtain copies at
prescribed rates from the public reference facilities maintained by the SEC at its principal office in Washington, D.C. 20549.  The SEC maintains
a  website  (http://www.sec.gov)  that  contains  reports,  proxy  and  information  statements  and  other  information  regarding  registrants  that  file
electronically with the SEC. In addition, documents referred to in this annual report may be inspected at our principal executive offices at Par-la-
Ville Place, 14 Par-la-Ville Road, Hamilton, Bermuda HM 08. Our filings are also available on our website at www.shipfinance.bm. This web
address is provided as an inactive textual reference only. Information on our website does not constitute part of this annual report.

I. SUBSIDIARY INFORMATION

Not Applicable.

ITEM 11. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

We are exposed to various market risks, including interest rates and foreign currency fluctuations. We use interest rate swaps to manage interest
rate risk and currency swaps to manage currency risks. We may enter into derivative instruments from time to time for speculative purposes.

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At December  31,  2018,  the  Company  had  entered  into  combined  currency  and  interest  rate  swap  contracts  with  a  total  notional  principal  of
NOK900 million ($151.0 million), to hedge against fluctuations in interest and exchange rates on our NOK900 million senior unsecured bonds
due 2019. Under these contracts, variable NIBOR interest rates including additional margin is swapped for fixed interest at an average of 6.03%,
and both the payment of interest and eventual settlement of the bonds will have an effective exchange rate of NOK5.96 = $1. The Company has
also entered into a combined currency and interest rate counter swap contract with a total notional principal of NOK100 million (approximately
$16.8 million), with equal but opposite terms to one of the NOK900 million swaps. This counter swap is not designated for hedge accounting
purposes. Upon the swaps’ expiry in March 2019, the Company will settle the final exchange by receiving net NOK800 million and paying net
$134.2 million at an effective exchange rate of NOK5.96 = $1. At December 31, 2018 NOK672 million ($77.7million) was outstanding on the
NOK900 million senior unsecured bonds.

Similarly,  at  December  31,  2018,  the  Company  had  entered  into  combined  currency  and  interest  rate  swap  contracts  with  a  total  notional
principal  of  NOK500  million  ($64.0  million),  to  hedge  against  fluctuations  in  interest  and  exchange  rates  on  our  NOK500  million  senior
unsecured bonds due 2020. Under these contracts, variable NIBOR interest rates including additional margin is swapped for fixed interest at an
average of 6.91%, and both the payment of interest and eventual settlement of the bonds will have an effective exchange rate of NOK7.81 = $1.
These contracts expire between March and June 2020 and we estimate that we would pay $4.7 million to terminate them as of December 31,
2018 (2017: $1.8 million).

At December 31, 2018, the Company had entered into currency rate swap contracts with a total notional principal of NOK472 million ($62.1
million),  to  hedge  against  fluctuations  in  exchange  rates  on  our  NOK600  million  senior  unsecured  bonds  due  2023.  Under  these  contracts,
variable  NIBOR  interest  rates  including  additional  margins  is  swapped  for  variable  LIBOR  rates  including  additional  margins.  The  eventual
settlement of the bonds will have an effective exchange rate of NOK7.60 = $1. These contracts expire in September 2023 and we estimate that
we would pay $9.6 million to terminate them as of December 31, 2018.

At December 31, 2018, the Company and its consolidated subsidiaries had entered into interest rate swap contracts with a combined notional
principal amount of $721 million at fixed interest rates between 1.07% per annum and 2.93% per annum. These interest rate swap agreements
mature between January 2019 and April 2023, and we estimate that we would receive $8.7 million to terminate them as of December 31, 2018
(2017: receive 2.4 million).

The overall effect of our swaps is to fix the interest rate on approximately $0.9 billion of our floating rate debt at December 31, 2018 (2017: $1.2
billion), at a weighted average interest rate of 4.68% per annum including margin (2017: 4.31%).

Several of our charter contracts contain interest adjustment clauses, whereby the charter rate is adjusted to reflect the actual interest rate on the
outstanding loan, effectively transferring interest rate exposure to the counterparty under the charter contract. At December 31, 2018, a total of
$0.8 billion of our floating rate debt was subject to such interest adjustment clauses, including our equity accounted subsidiaries. None of this
was  subject  to  interest  rate  swaps  entered  into  for  the  benefit  of  the  charterer.  The  balance  of  $0.8 billion  remained  on  a  floating  rate  basis.
Comparably as at December 31, 2017, a total of $0.9 billion of our floating rate debt was subject to such interest adjustment clauses, including
our equity accounted subsidiaries. Of this, approximately $0.2 billion was also subject to interest rate swaps entered into for the benefit of the
charterer, with the balance of $0.7 billion remaining on a floating rate basis.

At  December  31,  2018,  our  net  exposure,  including  equity-accounted  subsidiaries,  to  interest  rate  fluctuations  on  our  outstanding  debt  was
$114.8 million,  compared  with  $132.4  million  at  December  31,  2017.  Our  net  exposure  to  interest  fluctuations  is  based  on  our  total  of  $1.8
billion floating rate debt outstanding at December 31, 2018, less the $0.9 billion notional principle of our interest rate swaps and the $0.8 billion
remaining  floating  rate  debt  subject  to  interest  adjustment  clauses  under  charter  contracts.  A  one  per-cent  change  in  interest  rates  would  thus
increase or decrease net exposure by approximately $1.1 million per year as of December 31, 2018 (2017: $1.3 million per year).

As of March 26, 2019, we were not party to any other derivative contracts.

The Company may in the future enter into short-term Total Return Swap ("TRS") arrangements relating to our own shares and bonds or securities
in other companies.

Apart  from  our  NOK900  million,  NOK500  million  and  NOK600  million  floating  rate  bonds,  which  have  been  hedged,  the  majority  of  our
transactions, assets and liabilities are denominated in U.S. dollars, our functional currency.

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ITEM 12. DESCRIPTION OF SECURITIES OTHER THAN EQUITY SECURITIES

Not Applicable.

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PART II

ITEM 13. DEFAULTS, DIVIDEND ARREARAGES AND DELINQUENCIES

Neither we nor any of our subsidiaries have been subject to a material default in the payment of principal, interest, a sinking fund or purchase
fund installment or any other material default that was not cured within 30 days. In addition, the payments of our dividends are not, and have not
been in arrears or have not been subject to material delinquency that was not cured within 30 days.

ITEM 14. MATERIAL MODIFICATIONS TO THE RIGHTS OF SECURITY HOLDERS AND USE OF PROCEEDS

None.

ITEM 15. CONTROLS AND PROCEDURES

a) Disclosure Controls and Procedures

Pursuant  to  Rules  13a-15(e)  and  15d-15(e)  of  the  Exchange  Act,  management  assessed  the  effectiveness  of  the  design  and  operation  of  the
Company's  disclosure  controls  and  procedures  as  of  December  31,  2018.  Based  upon  that  evaluation,  the  Principal  Executive  Officer  and
Principal Financial Officer concluded that the Company's disclosure controls and procedures were effective as of the evaluation date.

b) Management's annual report on internal controls over financial reporting

Our management is responsible for establishing and maintaining adequate internal control over financial reporting as defined in Rules 13a-15(f)
promulgated under the Exchange Act.

Internal control over financial reporting is defined in Rule 13a-15(f) or 15d-15(f) promulgated under the Exchange Act as a process designed by,
or under the supervision of, our principal executive and principal financial officers and effected by our board of directors, management and other
personnel, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external
purposes in accordance with generally accepted accounting principles and includes those policies and procedures that:

•

•

•

pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and dispositions of the assets of
the Company;
provide  reasonable  assurance  that  transactions  are  recorded  as  necessary  to  permit  preparation  of  financial  statements  in  accordance  with
generally accepted accounting principles, and that our receipts and expenditures are being made only in accordance with authorizations of
Company's management and directors; and
provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use or disposition of our assets that could
have a material effect on the financial statements.

Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any
evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that
the degree of compliance with the policies or procedures may deteriorate.
Management conducted the evaluation of the effectiveness of the internal controls over financial reporting using the control criteria framework
issued by the Committee of Sponsoring Organizations of the Treadway Commission published in its report entitled Internal Control-Integrated
Framework (2013).

Our management with the participation of our Principal Executive Officer and Principal Financial Officer assessed the effectiveness of the design
and  operation  of  the  Company's  internal  controls  over  financial  reporting  pursuant  to  Rule  13a-15  of  the  Exchange  Act,  as  of  December  31,
2018. Based upon that evaluation, the Principal Executive Officer and Principal Financial Officer concluded that the Company's internal controls
over financial reporting were effective as of December 31, 2018.

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c) Attestation report of the registered public accounting firm

MSPC, Certified Public Accountants and Advisors, a Professional Corporation, our independent registered public accounting firm, has issued
their attestation report on the effectiveness of our internal control over financial reporting as of December 31, 2018. Such report appears on page
F-2.

 d) Changes in internal control over financial reporting

There were no changes in our internal controls over financial reporting that occurred during the period covered by this annual report that have
materially affected, or are reasonably likely to materially affect, the Company's internal control over financial reporting.

ITEM 16A. AUDIT COMMITTEE FINANCIAL EXPERT

Our  Board  of  Directors  has  determined  that  our  Audit  Committee  has  one  Audit  Committee  Financial  Expert.  James  O'Shaughnessy  is  an
independent Director and is the Audit Committee Financial Expert, as such terms are defined under SEC rules.

ITEM 16B. CODE OF ETHICS

We have adopted a Code of Ethics that applies to all entities controlled by us and our employees, directors, officers and agents of the Company.
We have posted our code of ethics on our website at www.shipfinance.bm. We will provide any person, free of charge, with a copy of our code of
ethics upon written request to our registered office.

ITEM 16C. PRINCIPAL ACCOUNTANT FEES AND SERVICES

Our principal accountant for 2018 and 2017 was MSPC, Certified Public Accountants and Advisors, A Professional Corporation (“MSPC”). The
following table sets forth the fees related to audit and other services provided by MSPC.

Audit Fees (a)

Audit-Related Fees (b)

Tax Fees (c)

All Other Fees (d)

Total

(a) Audit Fees

2018   
560,000    $
129,000    $

—   
39,000    $
728,000    $

2017 
540,000 
117,000 
— 
30,075 
687,075 

$

$

$

$

Audit fees represent professional services rendered for the audit of our annual financial statements and services provided by the principal
accountant in connection with statutory and regulatory filings or engagements.

(b) Audit -Related Fees

Audit-related fees consisted of assurance and related services rendered by the principal accountant related to the performance of the audit or
review of our financial statements which have not been reported under Audit Fees above.

(c) Tax Fees

Tax fees represent fees for professional services rendered by the principal accountant for tax compliance, tax advice and tax planning.

(d) All Other Fees

All other fees include services other than audit fees, audit-related fees and tax fees set forth above.

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(e) Audit Committee's Pre-Approval Policies and Procedures

Our Board of Directors has adopted pre-approval policies and procedures in compliance with paragraph (c)(7)(i) of Rule 2-01 of Regulation
S-X, that require the Board of Directors to approve the appointment of our independent auditor before such auditor is engaged and approve
each  of  the  audit  and  non-audit  related  services  to  be  provided  by  such  auditor  under  such  engagement  by  the  Company.  All  services
provided by the principal auditor in 2018 and 2017 were approved by the Board of Directors pursuant to the pre-approval policy.

ITEM 16D. EXEMPTIONS FROM THE LISTING STANDARDS FOR AUDIT COMMITTEES

Not applicable.

ITEM 16E. PURCHASE OF EQUITY SECURITIES BY ISSUER AND AFFILIATED PURCHASERS

No shares have been repurchased by the Company or any “affiliated purchaser,” as such term is defined in Rule 10b-18(a)(3) of the Exchange
Act, since January 2006.

ITEM 16F. CHANGE IN REGISTRANT'S CERTIFYING ACCOUNTANT

Not applicable.

ITEM 16G. CORPORATE GOVERNANCE

Pursuant  to  an  exception  under  the  NYSE  listing  standards  available  to  foreign  private  issuers,  we  are  not  required  to  comply  with  all  of  the
corporate  governance  practices  followed  by  U.S.  companies  under  the  NYSE  listing  standards.    The  significant  differences  between  our
corporate governance practices and the NYSE standards applicable to listed U.S. companies are set forth below.

Executive  Sessions.  The  NYSE  requires  that  non-management  directors  meet  regularly  in  executive  sessions  without  management.  The
NYSE also requires that all independent directors meet in an executive session at least once a year.  As permitted under Bermuda law and our
Bye-laws, our non-management directors have not regularly held executive sessions without management, and we do not expect them to do so in
the future.

Nominating/Corporate  Governance  Committee.    The  NYSE  requires  that  a  listed  U.S.  company  have  a  nominating/corporate  governance
committee  of  independent  directors  and  a  committee  charter  specifying  the  purpose,  duties  and  evaluation  procedures  of  the  committee.  As
permitted under Bermuda law and our Bye-laws, we do not currently have a nominating or corporate governance committee.

Audit Committee.    The  NYSE  requires,  among  other  things,  that  a  listed  U.S.  company  have  an  audit  committee  with  a  minimum  of  three
members.  As  permitted  by  Rule  10A-3  under  the  Exchange  Act,  our  audit  committee  consists  of  one  independent  member  of  our  Board  of
Directors.

Corporate Governance Guidelines.  The NYSE requires U.S. companies to adopt and disclose corporate governance guidelines. The guidelines
must  address,  among  other  things:  director  qualification  standards,  director  responsibilities,  director  access  to  management  and  independent
advisers, director compensation, director orientation and continuing education, management succession and an annual performance evaluation.
We are not required to adopt such guidelines under Bermuda law and we have not adopted such guidelines.

Independence of Directors.    The NYSE requires that a U.S. listed company maintain a majority of independent directors.  As a Foreign Private
Issuer,  we  are  exempt  from  this  rule  and  may  comply  with  it  voluntarily.  Our  Board  of  Directors  currently  consists  of  five  directors,  four  of
which are considered "independent" according to NYSE's standards for independence. However, as permitted under Bermuda law, our Board of
Directors may in the future not consist of a majority of independent directors.

Compensation Committee.     The  NYSE  requires  that  a  listed  U.S.  company  have  a  compensation  committee  of  independent  directors.  As  a
Foreign Private Issuer we are exempt from this rule and may comply with it voluntarily.  As permitted under Bermuda law, our Compensation
Committee does not currently, and may not in the future, consist entirely of independent directors. 

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ITEM 16H. MINE SAFETY DISCLOSURE

Not applicable.

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PART III

ITEM 17.

FINANCIAL STATEMENTS

See Item 18.

ITEM 18.

FINANCIAL STATEMENTS

The following financial statements listed below and set forth on pages F-1 through F-58 are filed as part of this annual report:

Financial Statements: Ship Finance International Limited

Report of Independent Registered Public Accounting Firm

Consolidated Statements of Operations for the years ended December 31, 2018, 2017 and 2016

Consolidated Statements of Comprehensive Income for the years ended December 31, 2018, 2017 and 2016

Consolidated Balance Sheets as of December 31, 2018 and 2017

Consolidated Statements of Cash Flows for the years ended December 31, 2018, 2017 and 2016

Consolidated Statements of Changes in Stockholders' Equity for the years ended December 31, 2018, 2017 and 2016

Notes to Consolidated Financial Statements

F-2

F-4

F-5

F-6

F-7

F-8

F-10

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ITEM 19.               EXHIBITS

Number

1.1*

Description of Exhibit

Memorandum of Association of Ship Finance International Limited (the "Company"), incorporated by
reference to Exhibit 3.1 of the Company's Registration Statement, SEC File No. 333-115705, filed on May
21, 2004 (the "Original Registration Statement").

1.2*

1.3*

1.4*

2.1*

4.1*

4.2*

4.3*

4.4*

4.5*

4.6*

4.7*

4.8*

4.9*

4.11*

4.12*

4.13*

4.14*

4.15a*

4.15b*

Amended and Restated Bye-laws of the Company, as adopted on September 28, 2007, incorporated by
reference to Exhibit 1 of the Company's 6-K filed on October 22, 2007.

Amended and Restated Bye-laws of the Company, as adopted on September 20, 2013, incorporated by
reference to Exhibit 1.3 of the Company's 2014 Annual Report filed on Form 20-F on April 9, 2015. 

Amended and Restated Bye-laws of the Company, as adopted on September 23, 2016, incorporated by
reference to Exhibit 1 of the Company's Form 6-K filed on September 29, 2016.

Form of Common Stock Certificate of the Company, incorporated by reference to Exhibit 4.1 of the
Company's Original Registration Statement.

Form of Performance Guarantee dated January 1, 2004, issued by Frontline Ltd, incorporated by reference
to Exhibit 10.3 of the Company's Original Registration Statement.

Amendment No. 4 to Performance Guarantee dated January 1, 2004, incorporated by reference to Exhibit
4.3 of the Company's 2009 Annual Report as filed on Form 20-F on April 1, 2010.

Form of Time Charter, incorporated by reference to Exhibit 10.4 of the Company's Original Registration
Statement.

Form of Vessel Management Agreements, incorporated by reference to Exhibit 10.5 of the Company's
Original Registration Statement.

Form of Charter Ancillary Agreement dated January 1, 2004, incorporated by reference to Exhibit 10.6 of
the Company's Original Registration Statement.

Addendum No. 6 to Charter Ancillary Agreement dated January 1, 2004, incorporated by reference to
Exhibit 4.8 of the Company's 2009 Annual Report as filed on Form 20-F on April 1, 2010.

Amendments dated August 21, 2007, to the Charter Ancillary Agreements, incorporated by reference to
Exhibit 4.8 of the Company's 2007 Annual Report as filed on Form 20-F on March 17, 2008.

New Administrative Services Agreement dated November 29, 2007, incorporated by reference to Exhibit
4.10 of the Company's 2007 Annual Report as filed on Form 20-F on March 17, 2008.

Share Option Scheme, incorporated by reference to Exhibit 2.2 of the Company's 2006 Annual Report as
filed on Form 20-F on July 2, 2007.

Bond Agreement relating to Ship Finance International Limited Callable Senior Unsecured Bond Issue
2010/2014, dated October 6, 2010 incorporated by reference to Exhibit 4.11 of the Company's 2010
Annual Report filed on Form 20-F on March 25, 2011.

Bond Agreement relating to Ship Finance International Limited Senior Unsecured Callable Convertible
Bond Issue 2011/2016, dated February 11, 2011 incorporated by reference to Exhibit 4.12 of the
Company's 2010 Annual Report filed on Form 20-F on March 25, 2011.

Addendum No. 7 to Charter Ancillary Agreement dated January 1, 2004, incorporated by reference to
Exhibit 4.13 of the Company's 2011 Annual Report filed on Form 20-F on April 27, 2012.

Addendum No. 3 to Charter Ancillary Agreement dated June 20, 2005, incorporated by reference to
Exhibit 4.14 of the Company's 2011 Annual Report filed on Form 20-F on April 27, 2012.

Indenture by and among the Company, U.S. Bank National Association and Deutsche Bank Trust
Company Americas, dated January 30, 2013, incorporated by reference to the Company's report on Form
6-K filed on February 4, 2013.

First Supplemental Indenture by and among the Company, U.S. Bank National Association and Deutsche
Bank Trust Company Americas, dated January 30, 2013, incorporated by reference to the Company's
report on Form 6-K filed on February 7, 2013.

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4.16*

4.17*

4.18*

4.19*

4.20*

4.21*

4.22

4.23

8.1

12.1

12.2

13.1

13.2

15.1

Bond Agreement relating to Ship Finance International Limited Callable Senior Unsecured Bond Issue
2012/2017, dated October 16, 2012, incorporated by reference to the Company's 2013 Annual Report filed
on Form 20-F on March 28, 2014.

Bond Agreement relating to Ship Finance International Limited Callable Senior Unsecured Bond Issue
2014/2019, dated March 17, 2014, incorporated by reference to the Company's 2013 Annual Report filed
on Form 20-F on March 28, 2014.

Amended and Restated Charter Ancillary Agreement among the Company, the vessel owning subsidiaries
of the Company, Frontline Ltd. and Frontline Shipping Limited, dated June 5, 2015 incorporated by
reference to the Company's 2015 Annual Report filed on Form 20-F on April 1, 2016.

Base Indenture relating to Ship Finance International Senior Unsecured Callable Convertible Bond Issue
2016/2021 dated October 5, 2016, incorporated by reference to Exhibit 99.2 of the Company’s report on
Form 6-K filed on October 7, 2016.

First Supplemental Indenture to Ship Finance International Senior Unsecured Callable Convertible Bond
Issue 2016/2021 dated October 5, 2016, incorporated by reference to Exhibit 99.3 of the Company’s
report on Form 6-K filed on October 7, 2016.

Restructuring Support and Lock-Up Agreement dated September 12, 2017, incorporated by reference to
Exhibit 10.2 of Seadrill Limited's report on Form 6-K filed on September 13, 2017

Bond Agreement relating to Ship Finance International Limited Callable Senior Unsecured Bond Issue
2017/2020, dated June 16, 2017.

Second Supplemental Indenture by and among Ship Finance International Ltd. And U.S. Bank National
Association, as Trustee, dated April 23, 2018 to Indenture dated October 5, 2016 for 4.875% Convertible
Senior Notes due 2023, incorporated by reference to Exhibit 99.2 of the Company’s report on Form 6-K
filed on April 24, 2018

Subsidiaries of the Company.

Certification of the Principal Executive Officer pursuant to Rule 13a-14(a) and Rule 15d-14(a) of the
Securities Exchange Act of 1934, as amended.

Certification of the Principal Financial Officer pursuant to Rule 13a-14(a) and Rule 15d-14(a) of the
Securities Exchange Act of 1934, as amended.

Certification of the Principal Executive Officer pursuant to 18 USC Section 1350, as adopted pursuant to
Section 906 of the Sarbanes-Oxley Act of 2002.

Certification of the Principal Financial Officer pursuant to 18 USC Section 1350, as adopted pursuant to
Section 906 of the Sarbanes-Oxley Act of 2002.

Consent of Independent Registered Public Accounting Firm.

* Incorporated herein by reference.

101.INS

XBRL Instance Document

101.SCH

XBRL Taxonomy Extension Schema Document

101.CAL

XBRL Taxonomy Extension Schema Calculation Linkbase Document

101.DEF

XBRL Taxonomy Extension Schema Definition Linkbase Document

101.LAB

XBRL Taxonomy Extension Schema Label Linkbase Document

101.PRE

XBRL Taxonomy Extension Schema Presentation Linkbase Document

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SIGNATURES

The  registrant  hereby  certifies  that  it  meets  all  of  the  requirements  for  filing  on  Form  20-F  and  that  it  has  duly  caused  and  authorized  the
undersigned to sign this annual report on its behalf.

Date: March 26, 2019

SHIP FINANCE INTERNATIONAL LIMITED

(Registrant)

By:

/s/ Aksel C. Olesen

  Aksel C. Olesen

Principal Executive Officer

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Ship Finance International Limited
Index to Consolidated Financial Statements

Report of Independent Registered Public Accounting Firm

Consolidated Statements of Operations for the years ended December 31, 2018, 2017 and 2016

Consolidated Statements of Comprehensive Income for the years ended December 31, 2018, 2017 and 2016

Consolidated Balance Sheets as of December 31, 2018 and 2017

Consolidated Statements of Cash Flows for the years ended December 31, 2018, 2017 and 2016

Consolidated Statements of Changes in Stockholders' Equity for the years ended December 31, 2018, 2017 and 2016

Notes to the Consolidated Financial Statements

F-2

F-4

F-5

F-6

F-7

F-8

F-10

F-1

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REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

To the Board of Directors and Stockholders
Ship Finance International Limited

Opinions on the Financial Statements and Internal Control over Financial Reporting

 We have audited the accompanying consolidated balance sheets of Ship Finance International Limited and subsidiaries (the "Company") as of
December 31, 2018 and 2017, and the related consolidated statements of operations, comprehensive income, changes in stockholders' equity, and
cash flows for each of the years in the three-year period ended December 31, 2018, and the related notes (collectively referred to as the financial
statements). We also have audited the Company's internal control over financial reporting as of December 31, 2018, based on criteria established
in  Internal  Control—  Integrated  Framework  (2013)  issued  by  the  Committee  of  Sponsoring  Organizations  of  the  Treadway  Commission
("COSO"). 

In  our  opinion,  the  consolidated  financial  statements  referred  to  above  present  fairly,  in  all  material  respects,  the  financial  position  of  Ship
Finance International Limited and subsidiaries as of December 31, 2018 and 2017, and the results of their operations and their cash flows for
each of the years in the three-year period ended December 31, 2018, in conformity with accounting principles generally accepted in the United
States of America. Also in our opinion, the Company maintained, in all material respects, effective internal control over financial reporting as of
December 31, 2018, based on criteria established in Internal Control—Integrated Framework (2013) issued by the COSO.

Basis for Opinion

The Company's management is responsible for these consolidated financial statements, for maintaining effective internal control over financial
reporting, and for its assessment of the effectiveness of internal control over financial reporting, included in the accompanying Management's
annual report on internal controls over financial reporting. Our responsibility is to express an opinion on these consolidated financial statements
and an opinion on the Company's internal control over financial reporting based on our audits. We are a public accounting firm registered with
the Public Company Accounting Oversight Board (United States) ("PCAOB") and are required to be independent with respect to the Company in
accordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the
PCAOB.

We conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audits to obtain
reasonable assurance about whether the consolidated financial statements are free of material misstatement, whether due to error or fraud, and
whether effective internal control over financial reporting was maintained in all material respects. 

Our audits of the consolidated financial statements included performing procedures to assess the risks of material misstatement of the financial
statements, whether due to error or fraud, and performing procedures that respond to those risks. Such procedures included examining, on a test
basis,  evidence  regarding  the  amounts  and  disclosures  in  the  consolidated  financial  statements.  Our  audits  also  included,  evaluating  the
accounting  principles  used  and  significant  estimates  made  by  management,  as  well  as  evaluating  the  overall  presentation  of  the  consolidated
financial statements. Our audit of internal control over financial reporting included obtaining an understanding of internal control over financial
reporting, assessing the risk that a material weakness exists, and testing and evaluating the design and operating effectiveness of internal control
based  on  the  assessed  risk.  Our  audits  also  included  performing  such  other  procedures  as  we  considered  necessary  in  the  circumstances.  We
believe that our audits provide a reasonable basis for our opinions.

Definition of Limitations of Internal Control over Financial Reporting

A company's internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of financial
reporting  and  the  preparation  of  financial  statements  for  external  purposes  in  accordance  with  generally  accepted  accounting  principles.  A
company's internal control over financial reporting includes those policies and procedures that (1) pertain to the maintenance of records that, in
reasonable detail, accurately and fairly reflect the transactions and dispositions of the assets of the company; (2) provide reasonable assurance
that  transactions  are  recorded  as  necessary  to  permit  preparation  of  financial  statements  in  accordance  with  generally  accepted  accounting
principles,  and  that  receipts  and  expenditures  of  the  company  are  being  made  only  in  accordance  with  authorizations  of  management  and
directors  of  the  company;  and  (3)  provide  reasonable  assurance  regarding  prevention  or  timely  detection  of  unauthorized  acquisition,  use,  or
disposition of the company's assets that could have a material effect on the financial statements.

F-2

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Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any
evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that
the degree of compliance with the policies or procedures may deteriorate.

/s/ MSPC
Certified Public Accountants and Advisors,
A Professional Corporation

We have served as the Company’s auditor since 2004.

New York, New York
March 26, 2019

F-3

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Ship Finance International Limited

 CONSOLIDATED STATEMENTS OF OPERATIONS
for the years ended December 31, 2018, 2017 and 2016
(in thousands of $, except per share amounts)

Operating revenues

Direct financing lease interest income - related parties

Direct financing and sales-type lease interest income - other

Finance lease service revenues - related parties

Profit sharing revenues - related parties

Profit sharing revenues - other

Time charter revenues - related parties

Time charter revenues - other

Bareboat charter revenues - related parties

Bareboat charter revenues - other

Voyage charter revenues - other

Other operating income

Total operating revenues

Gain/(Loss) on sale of assets and termination of charters, net

Gain/(Loss) on sale of subsidiaries and disposal groups

Operating expenses

Vessel operating expenses - related parties

Vessel operating expenses - other

Depreciation

Vessel impairment charge

Administrative expenses - related parties

Administrative expenses - other

Total operating expenses

Net operating income

Non-operating income / (expense)

Interest income – related parties, associated companies

Interest income – related parties, other

Interest income - other

Interest expense - related parties

Interest expense - other

(Loss)/gain on purchase of  bonds

Available-for-sale securities impairment charge

Dividend income - related parties

Net unrealized gain on equity securities

Realized gain on sale of debt and equity securities

Other financial items, net

Net income before equity in earnings of associated companies

Equity in earnings of associated companies

Net income

Per share information:

Basic earnings per share

Weighted average number of shares outstanding, basic

Diluted earnings per share

Weighted average number of shares outstanding, diluted

$

$

Cash dividend per share declared and paid
$
The accompanying notes are an integral part of these consolidated financial statements.

2018   

2017   

2016 

9,623   
30,055   
22,095   
1,779   
—   
53,258   
239,468   
—   
36,222   
24,339   
1,873   
418,712   
(2,578)  
7,613   

45,266   
83,282   
104,079   
64,338   
1,072   
8,095   
306,132   
117,615   

14,128   
880   
2,943   
(6,378)  

(107,508)  
1,146   
—   
—   
12,277   
13,477   
10,407   
58,987   
14,635   
73,622   

16,362   
21,903   
35,010   
5,753   
61   
51,832   
186,577   
5,736   
34,860   
21,037   
1,747   
380,878   
1,124   
—   

57,714   
74,080   
88,150   
—   
831   
6,601   
227,376   
154,626   

15,265   
422   
3,643   
—   
(90,414)  

(2,305)  

(4,410)  
3,300   
—   
—   
(2,684)  

77,443   
23,766   
101,209   

0.70    $

105,898   

0.69    $

107,606   

1.40    $

1.06    $

95,597   

1.03    $

102,900   

1.60    $

22,850 
331 
44,523 
51,470 
74 
55,265 
171,483 
10,075 
34,964 
19,329 
2,587 
412,951 
(167)
— 

67,221 
68,795 
94,293 
5,314 
1,443 
7,629 
244,695 
168,089 

18,675 
897 
2,164 
— 
(71,843)

(8,802)
— 
11,550 
— 
— 
(2,089)

118,641 
27,765 
146,406 

1.57 
93,497 
1.50 
108,040 
1.80 

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Ship Finance International Limited

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
for the years ended December 31, 2018, 2017 and 2016
(in thousands of $)

Comprehensive income, net of tax

Net income

Fair value adjustments to hedging financial instruments

Earnings reclassification of previously deferred fair value adjustments to hedging
financial instruments

Fair value adjustments to investment securities classified as available-for-sale

Unrealized loss from investment securities classified as available-for-sale securities
reclassified to Consolidated Statement of Operations

Fair value adjustments to hedging financial instruments in associated companies

Other items of comprehensive (loss)/income

Other comprehensive (loss)/income, net of tax

Comprehensive income
 The accompanying notes are an integral part of these consolidated financial statements.

F-5

2018 

2017   

2016 

73,622 
(3,433)  

(3,127)  
2,244 

— 
(206)  

(74)  

(4,596)  

69,026 

101,209   
9,974   

1,555   
(23,528)  

2,106   
1,182   
60   
(8,651)  

92,558   

146,406 
9,702 

— 
(93,406)

— 
1,150 
(38)

(82,592)

63,814 

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Ship Finance International Limited

CONSOLIDATED BALANCE SHEETS
as of December 31, 2018 and 2017
(in thousands of $)

2018   

2017 

ASSETS

Current assets

Cash and cash equivalents

Restricted cash

Investment in debt and equity securities

Trade accounts receivable

Due from related parties

Other receivables

Inventories

Prepaid expenses and accrued income

Investment in direct financing and sales-type leases, current portion

Financial instruments (short-term): at fair value

Total current assets

Vessels and equipment, net

Vessels and equipment under capital lease, net

Investment in direct financing and sales-type leases, long-term portion

Investment in associated companies

Loans to related parties - associated companies, long-term

Long-term receivables from related parties

Other long-term assets

Financial instruments (long-term): at fair value

Total assets

LIABILITIES AND STOCKHOLDERS' EQUITY

Current liabilities

Short-term debt and current portion of long-term debt

Current portion of obligations under capital leases

Trade accounts payable

Due to related parties

Accrued expenses

Financial instruments (short-term): at fair value

Other current liabilities

Total current liabilities

Long-term liabilities

Long-term debt

Obligations under capital leases

Financial instruments (long-term): at fair value

Other long-term liabilities

Total liabilities

Commitments and contingent liabilities

Stockholders' equity

211,394   
1,000   
87,174   
2,976   
41,771   
13,041   
8,547   
2,593   
39,804   
5,279   
413,579   
1,559,712   
749,889   
762,355   
25,107   
310,144   
15,616   
30,810   
10,633   
3,877,845   

267,149   
67,793   
1,945   
1,349   
12,510   
45,047   
8,332   
404,125   

1,169,931   
1,104,258   
16,213   
3,286   
2,697,813   

153,052 
— 
93,802 
12,583 
9,625 
9,012 
5,126 
2,291 
32,096 
108 
317,695 
1,762,596 
— 
585,975 
10,678 
314,000 
— 
12,791 
8,347 
3,012,082 

313,823 
9,031 
487 
857 
13,351 
503 
5,693 
343,745 

1,190,184 
230,576 
48,618 
3,962 
1,817,085 

Share capital ($0.01 par value; 200,000,000 shares authorized; 119,373,064 shares issued and outstanding at
December 31, 2018). $0.01 par value; 150,000,000 shares authorized; 110,930,873 shares issued and outstanding at
December 31, 2017).

Additional paid-in capital

Contributed surplus

Accumulated other comprehensive loss

Accumulated other comprehensive loss – associated companies

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1,194   
468,844   
680,703   
(220)  
—   

1,109 
403,659 
680,703 
(94,612)

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Total liabilities and stockholders' equity
The accompanying notes are an integral part of these consolidated financial statements.

29,511   

1,180,032   
3,877,845   

203,932 

1,194,997 
3,012,082 

F-6

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Ship Finance International Limited

 CONSOLIDATED STATEMENTS OF CASH FLOWS
for the years ended December 31, 2018, 2017 and 2016
(in thousands of $)

Operating activities

Net income

Adjustments to reconcile net income to net cash provided by operating activities:

Depreciation

Amortization of deferred charges

Amortization of seller's credit

Amortization of long-term charter contract values acquired with vessels

Vessel impairment charge

Available-for-sale securities impairment charge

Long-term assets impairment charge

Equity in earnings of associated companies

Loss/(gain) on sale of assets and termination of charters

Gain on sale of subsidiary and disposal groups

Adjustment of derivatives to fair value recognized in net income

Unrealized gain on marketable securities

Loss/(gain) on repurchase of bonds

Realized gain on sale of debt and equity securities

Interest receivable in form of notes

Other, net

Changes in operating assets and liabilities

Trade accounts receivable

Due from related parties

Other receivables

Other current assets

Inventories

Prepaid expenses and accrued income

Trade accounts payable

Accrued expenses

Other current liabilities

Net cash provided by operating activities

Investing activities

Repayments from investments in direct financing and sales-type leases

Additions to newbuildings

Purchase of vessels

Proceeds from sale of vessels and termination of charters

Proceeds from sale of subsidiaries, net of cash disposed of

Net amounts received from/(paid to) associated companies

Other investments and long-term assets, net

Net cash provided by/(used in) investing activities

Financing activities

Proceeds from shares issued, net of issuance costs

Principal settlements of cross currency swaps, net

Proceeds from capital leases

Repurchase of bonds

Proceeds from issuance of short-term and long-term debt

Repayments of short-term and long-term debt

Debt fees paid

2018 

2017   

2016 

73,622 

101,209   

146,406 

104,079 
10,187 

(447)  

1,699 
64,338 
— 
1,730 
(14,635)  

2,578 
(7,613)  

(13,898)  

(12,277)  

(1,146)  

(13,476)  

— 
1,108 

9,607 
(1,308)  

(3,870)  

(157)  

(3,423)  

(301)  

2,370 
(433)  

2,641 
200,975 

33,486 
— 

(1,137,703)  

145,654 
83,485 
(24,161)  

32,675 
(866,564)  

— 
— 
944,097 
(97,248)  

825,984 
(778,731)  

(8,257)  

88,150   
9,013   
(1,249)  
—   
—   
4,410   
—   
(23,766)  

(1,124)  
—   
(8,208)  
—   
2,305   
—   
(635)  
3,959   

(9,034)  
10,543   
2,418   
—   
(42)  
1,317   
(742)  

(1,188)  
460   
177,796   

31,929   
(81,664)  
—   
74,791   
—   
27,322   
(4,016)  

48,362   

88   
(29,186)  
—   
(68,383)  
302,104   
(179,354)  

(2,554)  

94,293 
10,972 
(1,324)

— 
5,314 
— 
— 
(27,765)

167 
— 
(4,399)

— 
8,802 
— 
(633)

365 

(1,492)

8,433 
(856)

— 
(27)

2,181 
394 
1,046 
(11,804)

230,073 

30,410 
(188,142)

— 
29,102 
— 
193,517 
(25,488)

39,399 

323 
— 
— 
(296,800)

522,000 
(329,303)

(5,099)

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Cash dividends paid

Net cash provided by/(used in) financing activities

Net increase/(decrease) in cash and cash equivalents

Cash, restricted cash and cash equivalents at start of the year

Cash, restricted cash and cash equivalents at end of the year

Supplemental disclosure of cash flow information:

Interest paid, net of capitalized interest
 The accompanying notes are an integral part of these consolidated financial statements.

F-7

(11,653)  

(149,261)  

724,931 
59,342 
153,052 
212,394 

(5,296)  

(152,907)  

(135,488)  

90,670   
62,382   
153,052   

(97)

(168,289)

(277,265)

(7,793)

70,175 
62,382 

104,620 

88,201   

65,184 

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Ship Finance International Limited

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY
for the years ended December 31, 2018, 2017 and 2016
(in thousands of $, except number of shares)

Number of shares outstanding

At beginning of year

Shares issued

At end of year

Share capital

At beginning of year

Shares issued

Transfer arising from reduction in par value of issued shares

At end of year

Additional paid-in capital

At beginning of year

Amortization of stock-based compensation

Stock-based compensation forfeitures

Shares issued

Shares issued arising from conversion of 3.25% convertible bonds due 2018

Adjustment to equity component of convertible bonds due 2021 and 2023 arising
from reacquisition of bonds

Equity component of convertible bond issuance due 2021

Adjustment to equity component of 3.25% convertible bond issuance due 2018
arising from reacquisition of bonds

Shares issued arising from consideration paid on vessel acquisition

Recognition of equity component arising from issuance of 4.875% convertible bonds
due 2023

At end of year

Contributed surplus

At beginning of year

Transfer arising from reduction in par value of issued shares

At end of year

Accumulated other comprehensive loss

At beginning of year

Fair value adjustments to hedging financial instruments

Earnings reclassification of previously deferred fair value adjustments to hedging
financial instruments

Reclassification of unrealised losses upon adopting of ASU 2016-01

Fair value adjustments to available-for-sale securities

Unrealized loss from available-for-sale securities reclassified to Consolidated
Statement of Operations

Other comprehensive loss

At end of year (for breakdown see below)

Accumulated other comprehensive loss – associated companies

At beginning of year

Fair value adjustment to hedging financial instruments

At end of year (consists entirely of fair value adjustments to hedging financial
instruments)

F-8

2018 

2017   

2016 

110,930,873 
8,442,191 
119,373,064 

101,504,575   
9,426,298   
110,930,873   

93,468,000 
8,036,575 
101,504,575 

1,109 
85 
— 
1,194 

403,659 
454 
(33)  
— 
9,927 

(1,096)  
— 

(9,933)  
57,960 

7,906 
468,844 

680,703 
— 
680,703 

(94,612)  

(3,433)  

(3,127)  
98,782 
2,244 

— 
(74)  

(220)  

206 
(206)  

— 

1,015   
94   
—   
1,109   

282,502   
374   
—   
88   
137,063   

—   
—   

(16,368)  
—   

—   
403,659   

680,703   
—   
680,703   

(84,779)  
9,974   

1,555   
—   
(23,528)  

2,106   
60   
(94,612)  

(976)  
1,182   

206   

93,468 
117 
(92,570)

1,015 

285,859 
403 
— 
206 
— 

— 
4,551 

(8,517)
— 

— 
282,502 

588,133 
92,570 
680,703 

(1,037)
9,702 

— 
— 
(93,406)

— 
(38)

(84,779)

(2,126)
1,150 

(976)

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Retained earnings

At beginning of year

Reclassification of unrealized losses upon adoption of ASU 2016-01

Net income

Dividends declared

At end of year

Total stockholders' equity

Accumulated other comprehensive loss

Fair value adjustments to hedging financial instruments

Fair value adjustments to available-for-sale securities

Other items

Accumulated other comprehensive loss
The accompanying notes are an integral part of these consolidated financial statements.

F-9

2018 

2017   

2016 

203,932 
(98,782)  
73,622 
(149,261)  

29,511 
1,180,032 

2018 
(488)  
644 
(376)  

(220)  

255,630   
—   
101,209   
(152,907)  

203,932   
1,194,997   

2017   
6,072   
(100,382)  

(302)  

(94,612)  

277,513 
— 
146,406 
(168,289)

255,630 
1,134,095 

2016 
(5,457)

(78,960)

(362)

(84,779)

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SHIP FINANCE INTERNATIONAL LIMITED
Notes to the Consolidated Financial Statements

1.

GENERAL

Ship  Finance  International  Limited  ("Ship  Finance"  or  the  "Company")  is  an  international  ship  and  offshore  asset  owning  and  chartering
company, incorporated in October 2003 in Bermuda as a Bermuda exempted company. The Company's common shares are listed on the New
York Stock Exchange under the symbol "SFL". The Company is primarily engaged in the ownership, operation and chartering out of vessels and
offshore related assets on medium and long-term charters.

As of December 31, 2018, the Company owned three very large crude oil carriers ("VLCCs"), two Suezmax crude oil carriers, five Supramax dry
bulk  carriers,  seven  Handysize  dry  bulk  carriers,  two  Kamsarmax  dry  bulk  carriers,  eight  Capesize  dry  bulk  carriers,  45  container  vessels
(including four chartered-in 19,200 and 19,400 twenty-foot equivalent units ("TEU") container vessels and seven 10,600 TEU and 13,800 TEU
container vessels financed through sale and leaseback), two car carriers, one jack-up drilling rig, two ultra-deepwater drilling units, five offshore
support vessels, two chemical tankers and two oil product tankers.

The two ultra-deepwater drilling units and the one jack-up drilling rig referred to above are owned by wholly-owned subsidiaries of the Company
that are accounted for using the equity method (see Note 17: Investment in associated companies).

Since  the  Company's  incorporation  in  2003  and  public  listing  in  2004,  Ship  Finance  has  established  itself  as  a  leading  international  ship  and
offshore asset owning and chartering company, expanding both its asset and customer base.

2.

ACCOUNTING POLICIES

Basis of Accounting

The  consolidated  financial  statements  are  prepared  in  accordance  with  accounting  principles  generally  accepted  in  the  United  States  ("US
GAAP"). The consolidated financial statements include the assets and liabilities and results of operations of the Company and its subsidiaries. All
inter-company balances and transactions have been eliminated on consolidation. Where necessary, comparative figures for previous years have
been reclassified to conform to changes in presentation in the current year.

Consolidation of variable interest entities

A  variable  interest  entity  is  defined  in  Accounting  Standards  Codification  ("ASC")  Topic  810  "Consolidation"  ("ASC  810")  as  a  legal  entity
where either (a) the total equity at risk is not sufficient to permit the entity to finance its activities without additional subordinated support; (b)
equity  interest  holders  as  a  group  lack  either  i)  the  power  to  direct  the  activities  of  the  entity  that  most  significantly  impact  on  its  economic
success, ii) the obligation to absorb the expected losses of the entity, or iii) the right to receive the expected residual returns of the entity; or (c)
the  voting  rights  of  some  investors  in  the  entity  are  not  proportional  to  their  economic  interests  and  the  activities  of  the  entity  involve  or  are
conducted on behalf of an investor with a disproportionately small voting interest.

ASC 810 requires a variable interest entity to be consolidated by its primary beneficiary, being the interest holder, if any, which has both (1) the
power  to  direct  the  activities  of  the  entity  which  most  significantly  impact  on  the  entity's  economic  performance,  and  (2)  the  right  to  receive
benefits or the obligation to absorb losses from the entity which could potentially be significant to the entity.

We  evaluate  our  subsidiaries,  and  any  other  entities  in  which  we  hold  a  variable  interest,  in  order  to  determine  whether  we  are  the  primary
beneficiary of the entity, and where it is determined that we are the primary beneficiary we fully consolidate the entity.

F-10

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Investments in associated companies

Investments in companies over which the Company exercises significant influence but which it does not consolidate are accounted for using the
equity method. The Company records its investments in equity-method investees on the consolidated balance sheets as "Investment in associated
companies" and its share of the investees' earnings or losses in the consolidated statements of operations as "Equity in earnings of associated
companies." At December 31, 2018, two ultra-deepwater drilling units and one jack-up drilling rig are owned by three wholly-owned subsidiaries
of the Company that are accounted for using the equity method.

Use of accounting estimates

The preparation of financial statements in accordance with US GAAP requires management to make estimates and assumptions that affect the
reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and
the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.

Foreign currencies

The Company's functional currency is the U.S. dollar as the majority of revenues are received in U.S. dollars and the majority of the Company's
expenditures are made in U.S. dollars. The Company's reporting currency is also the U.S. dollar. Most of the Company's subsidiaries report in
U.S. dollars. Transactions in foreign currencies during the year are translated into U.S. dollars at the rates of exchange in effect at the date of the
transaction. Foreign currency monetary assets and liabilities are translated using rates of exchange at the balance sheet date. Foreign currency
non-monetary  assets  and  liabilities  are  translated  using  historical  rates  of  exchange.  Foreign  currency  transaction  gains  or  losses  are  included
under "Other financial items" in the consolidated statements of operations.

Revenue and expense recognition

Effective from January 1, 2018, we adopted the new accounting standard ASC Topic 606 "Revenue from Contracts with Customers" using the
modified retrospective method, which resulted in no adjustment to our retained earnings on adoption and comparative information has not been
restated and continues to be reported under the accounting standards in effect for those periods.

The Company generates its revenues from the charter hire of its vessels and offshore related assets, and freight billings. Revenues are generated
from  time  charter  hire,  bareboat  charter  hire,  direct  financing  lease  interest  income,  sales-type  lease  interest  income,  finance  lease  service
revenues, profit sharing arrangements, voyage charters and other freight billings.

In a time charter voyage, the vessel is hired by the charterer for a specified period of time in exchange for consideration which is based on a daily
hire rate. Generally, the charterer has the discretion over the ports visited, shipping routes and vessel speed. The contract/charter party generally
provides typical warranties regarding the speed and performance of the vessel. The charter party generally has some owner protective restrictions
such that the vessel is sent only to safe ports by the charterer and carries only lawful or non hazardous cargo. In a time charter contract, we are
responsible for all the costs incurred for running the vessel such as crew costs, vessel insurance, repairs and maintenance and lubes. The charterer
bears the voyage related costs such as bunker expenses, port charges, and canal tolls during the hire period. The performance obligations in a
time charter contract are satisfied over the term of the contract beginning when the vessel is delivered to the charterer until it is redelivered back
to us. The charterer generally pays the charter hire in advance of the upcoming contract period. The time charter contracts are either operating or
direct financing or sales type leases. Where time charters and bareboat charters are considered operating leases, revenues are recorded over the
term of the charter as a service is provided. When a time charter contract is linked to an index, we recognize revenue for the applicable period
based on the actual index for that period.

Rental payments from either direct financing leases or sales-type leases, are allocated between lease service revenue, if applicable, lease interest
income and repayment of net investment in leases. The amount allocated to lease service revenue is based on the estimated fair value, at the time
of entering the lease agreement, of the services provided which consist of ship management and operating services.

In a voyage charter contract, the charterer hires the vessel to transport a specific agreed-upon cargo for a single voyage. The consideration in
such a contract is determined on the basis of a freight rate per metric ton of cargo carried or occasionally on a lump sum basis. The charterer is
responsible for any short loading of cargo or "dead" freight. The voyage charter party generally

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has standard payment terms with freight paid on completion of discharge. The voyage charter party generally has a "demurrage" clause. As per
this clause, the charterer reimburses us for any potential delays exceeding the allowed laytime as per the charter party clause at the ports visited,
which is recorded as voyage revenue. Estimates and judgments are required in ascertaining the most likely outcome of a particular voyage and
actual  outcomes  may  differ  from  estimates.  Such  estimate  is  reviewed  and  updated  over  the  term  of  the  voyage  charter  contract.  In  a  voyage
charter contract, the performance obligations begin to be satisfied once the vessel begins loading the cargo.

We have determined that our voyage charter contracts consist of a single performance obligation of transporting the cargo within a specified time
period. Therefore, the performance obligation is met evenly as the voyage progresses, and the revenue is recognized on a straight line basis over
the voyage days from the commencement of loading to completion of discharge. Contract assets with regards to voyage revenues are reported as
"Voyages in progress" as the performance obligation is satisfied over time. Voyage revenues typically become billable and due for payment on
completion of the voyage and discharge of the cargo, at which point the receivable is recognized as "Trade accounts receivable, net".

In a voyage contract, the Company bears all voyage related costs such as fuel costs, port charges and canal tolls. To recognize costs incurred to
fulfill  a  contract  as  an  asset,  the  following  criteria  shall  be  met:  (i)  the  costs  relate  directly  to  the  contract,  (ii)  the  costs  generate  or  enhance
resources of the entity that will be used in satisfying performance obligations in the future and (iii) the costs are expected to be recovered. The
costs incurred during the period prior to commencement of loading the cargo, primarily bunkers, are deferred as they represent setup costs and
recorded as a current asset and are subsequently amortized on a straight-line basis as we satisfy the performance obligations under the contract.
Costs incurred to obtain a contract, such as commissions, are also deferred and expensed over the same period.

For our vessels operating under revenue sharing agreements, or in pools, revenues and voyage expenses are pooled and allocated to each pool’s
participants in accordance with an agreed-upon formula. Revenues generated through revenue sharing agreements are presented gross when we
are  considered  the  principal  under  the  charter  parties  with  the  net  income  allocated  under  the  revenue  sharing  agreement  presented  as  within
voyage  charter  income.  For  revenue  sharing  agreements  that  meet  the  definition  of  a  lease,  we  account  for  such  contracts  as  variable  rate
operating leases and recognize revenue for the applicable period based on the actual net revenue distributed by the pool.

As detailed in Note 24: Related party transactions, the Company has, or has had, profit sharing arrangements with Frontline Shipping Limited
("Frontline Shipping"), Golden Ocean Group Limited ("Golden Ocean"). The Company also has profit sharing agreements with Deep Sea Supply
Shipowning II AS (the “Solstad Charterer”), a wholly owned subsidiary of Solship Invest 3 AS (“Solship”, formerly Deep Sea Supply Plc, or
Deep Sea). Amounts receivable under these arrangements are accrued on the basis of amounts earned at the reporting date.

Any contingent elements of rental income, such as profit share and interest rate adjustments, are recognized when the contingent conditions have
materialized.

Cash and cash equivalents

For the purposes of the consolidated statements of cash flows, all demand and time deposits and highly liquid, low risk investments with original
maturities of three months or less are considered equivalent to cash.

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Investment in debt and equity securities

Investments in debt and equity securities include share investments and interest-earning listed and unlisted corporate bonds. Any premium paid
on their acquisition is amortized over the life of the bond. Investments in debt securities are recorded at fair value, with unrealized gains and
losses  recorded  as  a  separate  component  of  other  comprehensive  income.  Investments  in  equity  securities  are  recorded  at  fair  value,  with
unrealized gains and losses recorded in the consolidated statement of operations. If circumstances arise which lead the Company to believe that
the issuer of a corporate bond may be unable meet its payment obligations in full, or that the fair value at acquisition of the share investment or
corporate bond may otherwise not be fully recoverable, then to the extent that a loss is expected to arise that unrealized loss is recorded as an
impairment  in  the  statement  of  operations,  with  an  adjustment  if  necessary  to  any  unrealized  gains  or  losses  previously  recorded  in  other
comprehensive income. In determining whether the Company has an other-than-temporary impairment in its investment in bonds, in addition to
the Company’s intention and ability to hold the investments until the market recovers, the Company considers the period of decline, the amount
and  the  severity  of  the  decline  and  the  ability  of  the  investment  to  recover  in  the  near  to  medium  term.  The  Company  also  evaluates  if  the
underlying  security  provided  by  the  bonds  is  sufficient  to  ensure  that  the  decline  in  fair  value  of  these  bonds  did  not  result  in  an  other-than-
temporary impairment.

The cost of disposals or reclassifications from other comprehensive income is calculated on an average cost basis, where applicable.

The  fair  value  of  unlisted  corporate  bonds  is  determined  from  an  analysis  of  projected  cash  flows,  based  on  factors  including  the  terms,
provisions  and  other  characteristics  of  the  bonds,  credit  ratings  and  default  risk  of  the  issuing  entity,  the  fundamental  financial  and  other
characteristics of that entity, and the current economic environment and trading activity in the debt market.

Trade accounts receivable

The  amount  shown  as  trade  accounts  receivable  at  each  balance  sheet  date  includes  receivables  due  from  customers  for  hire  of  vessels  and
offshore  related  assets,  net  of  allowance  for  doubtful  balances.  At  each  balance  sheet  date,  all  potentially  uncollectable  accounts  are  assessed
individually  to  determine  any  allowance  for  doubtful  receivables.  At  December  31,  2018  and  2017,  no  provision  was  made  for  doubtful
receivables.

Inventories

Inventories are comprised principally of fuel and lubricating oils and are stated at the lower of cost and net realizable value. Cost is determined
on a first-in first-out basis.

Vessels and equipment (including operating lease assets)

Vessels and equipment are recorded at historical cost less accumulated depreciation and, if appropriate, impairment charges. The cost of these
assets  less  estimated  residual  value  is  depreciated  on  a  straight-line  basis  over  the  estimated  remaining  economic  useful  life  of  the  asset.  The
estimated economic useful life of our offshore assets, including drilling rigs and drillships, is 30 years and for all other vessels it is 25 years. 

Where an asset is subject to an operating lease that includes fixed price purchase options, the projected net book value of the asset is compared to
the option price at the various option dates. If any option price is less than the projected net book value at an option date, the initial depreciation
schedule is amended so that the carrying value of the asset is written down on a straight line basis to the option price at the option date. If the
option is not exercised, this process is repeated so as to amortize the remaining carrying value, on a straight line basis, to the estimated scrap
value or the option price at the next option date, as appropriate.

This accounting policy for fixed assets has the effect that if an option is exercised there will be either a) no gain or loss on the sale of the asset or
b) in the event that the option is exercised at a price in excess of the net book value at the option date, a gain will be reported in the statement of
operations at the date of delivery to the new owners, under the heading "gain on sale of assets and termination of charters".

Office equipment is depreciated at 20% per annum on a reducing balance basis.

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Vessels and equipment under capital lease

The Company charters-in certain vessels and equipment under leasing agreements. Leases of vessels and equipment, where the Company has
substantially all the risks and rewards of ownership, are classified as capital lease assets, with corresponding capital lease obligations recorded.
Capital lease assets are capitalized at the commencement of the lease at the lower of the fair value of the leased asset and the present value of the
minimum lease payments.

For sale and lease back transactions, when the asset sold is for more or less than its carrying amount, any indicated loss or gain on the sale is in
substance a prepayment of rent or unearned rent, respectively, and thus, in accordance with ASC 840-40-35-4, the Company defers this prepaid
or unearned rental and amortizes it over the lease term. In case the fair value of the asset sold is less than its carrying amount, any indicated loss
on the sale is recognized in the consolidated statement of operations as incurred.

Depreciation of vessels and equipment under capital lease is included within "Depreciation" in the consolidated statement of operations. Vessels
and equipment under capital lease are depreciated on a straight-line basis over the vessels' remaining economic useful lives or on a straight-line
basis over the term of the lease. The method applied is determined by the criteria by which the lease has been assessed to be a capital lease.

Newbuildings

The carrying value of vessels under construction ("newbuildings") represents the accumulated costs to the balance sheet date which the Company
has paid by way of purchase installments and other capital expenditures together with capitalized loan interest and associated finance costs. No
charge for depreciation is made until a newbuilding is put into operation.

Capitalized interest

Interest  expense  is  capitalized  during  the  period  of  construction  of  newbuilding  vessels  based  on  accumulated  expenditures  for  the  applicable
vessel at the Company's capitalization rate of interest. The amount of interest capitalized in an accounting period is determined by applying an
interest rate ("the capitalization rate") to the average amount of accumulated expenditures for the vessel during the period. The capitalization rate
used  in  an  accounting  period  is  based  on  the  rates  applicable  to  borrowings  outstanding  during  the  period.  The  Company  does  not  capitalize
amounts in excess of actual interest expense incurred in the period.

Investment in direct financing and sales-type leases

Leases (charters) of our vessels where we are the lessor are classified as either direct financing or sales-type leases or operating leases, based on
an assessment of the terms of the lease. For charters classified as direct financing leases, the minimum lease payments (reduced in the case of
time-chartered vessels by projected vessel operating costs) plus the estimated residual value of the vessel are recorded as the gross investment in
the capital lease.

For direct financing leases, the difference between the gross investment in the lease and the carrying value of the vessel is recorded as unearned
lease interest income. The net investment in the lease consists of the gross investment less the unearned income. Over the period of the lease each
charter payment received, net of vessel operating costs if applicable, is allocated between "lease interest income" and "repayment of investment
in lease" in such a way as to produce a constant percentage rate of return on the balance of the net investment in the direct financing lease. Thus,
as the balance of the net investment in each direct financing lease decreases, a lower proportion of each lease payment received is allocated to
lease interest income and a greater proportion is allocated to lease repayment. For direct financing leases relating to time chartered vessels, the
portion of each time charter payment received that relates to vessel operating costs is classified as "lease service revenue".

For sales-type leases, the difference between the gross investment in the lease and the present value of its components, i.e. the minimum lease
payments  and  the  estimated  residual  value,  is  recorded  as  unearned  lease  interest  income.  The  discount  rate  used  in  determining  the  present
values is the interest rate implicit in the lease. The present value of the minimum lease payments, computed using the interest rate implicit in the
lease,  is  recorded  as  the  sales  price,  from  which  the  carrying  value  of  the  vessel  at  the  commencement  of  the  lease  is  deducted  in  order  to
determine the profit or loss on sale. As is the case for direct financing leases, the unearned lease interest income is amortized to income over the
period of the lease so as to produce a constant periodic rate of return on the net investment in the lease.

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Where a direct financing or sales-type lease relates to a charter arrangement containing fixed price purchase options, the projected carrying value
of the net investment in the lease is compared to the option price at the various option dates. If any option price is less than the projected net
investment in the lease at an option date, the rate of amortization of unearned lease interest income is adjusted to reduce the net investment to the
option price at the option date. If the option is not exercised, this process is repeated so as to reduce the net investment in the lease to the un-
guaranteed residual value or the option price at the next option date, as appropriate.

This accounting policy for investments in direct financing or sales-type leases has the effect that if an option is exercised there will either be a)
no gain or loss on the exercise of the option or b) in the event that an option is exercised at a price in excess of the net investment in the lease at
the option date, a gain will be reported in the statement of operations at the date of delivery to the new owners.

If the terms of an existing lease are agreed to be amended, other than by renewing the lease or extending its term, in a manner that would have
resulted in a different classification of the lease had such amended terms been in effect at the lease inception, the amended lease agreement shall
be considered to be a new lease agreement over the remainder of its term. If the terms of a direct financing or sales-type lease are amended in a
way that does not result in it being treated as a new operating lease agreement, the remaining minimum lease payments and, if appropriate, the
estimated residual value will be amended to reflect the revised terms, with a corresponding increase or decrease in unearned income.

Obligations under capital lease

The  Company  charters-in  and  out  four  container  vessels  on  a  bareboat  basis  under  long  term  leasing  agreements  with  corresponding  assets
classified as investments in direct financing leases. The Company also charters-in seven container vessels through sale and leaseback financing
arrangements with corresponding lease assets classified under vessels under capital lease. Leases of vessels and equipment, where the Company
has substantially all the risks and rewards of ownership, are classified as capital leases. Each lease payment is allocated between liability and
finance  charges  to  achieve  a  constant  rate  on  the  capital  balance  outstanding.  The  interest  element  of  the  capital  cost  is  charged  to  the
Consolidated Statement of Operations over the lease period.

Impairment of long-lived assets, including other long-term investments

The carrying value of long-lived assets, including other long-term investments, that are held by the Company are reviewed whenever events or
changes  in  circumstances  indicate  that  the  carrying  amount  of  an  asset  may  not  be  recoverable.  For  vessels,  such  indicators  may  include
historically  low  spot  charter  rates  and  second  hand  vessel  values.  The  Company  assesses  recoverability  of  the  carrying  value  of  the  asset  by
estimating the future net cash flows expected to result from the asset, including eventual disposition, taking into account the possibility of any
existing medium and long-term charter arrangements being terminated early. If the future expected net cash flows are less than the carrying value
of the asset, an impairment loss is recorded equal to the difference between the carrying value of the asset and its fair value. In addition, long-
lived assets to be disposed of are reported at the lower of carrying amount and fair value less estimated costs to sell.

Deferred charges

Loan costs, including debt arrangement fees, are capitalized and amortized on a straight line basis over the term of the relevant loan. The straight
line  basis  of  amortization  approximates  the  effective  interest  method  in  the  Company's  statement  of  operations.  Amortization  of  loan  costs  is
included in interest expense. If a loan is repaid early, any unamortized portion of the related deferred charges is charged against income in the
period in which the loan is repaid. Similarly, if a portion of a loan is repaid early, the corresponding portion of the unamortized related deferred
charges is charged against income in the period in which the early repayment is made.

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The Company accounts for debt instruments with convertible features in accordance with the details and substance of the instruments at the time
of  their  issuance.  For  convertible  debt  instruments  issued  at  a  substantial  premium  to  equivalent  instruments  without  conversion  features,  or
those that may be settled in cash upon conversion, it is presumed that the premium or cash conversion option represents an equity component.
Accordingly, the Company determines the carrying amounts of the liability and equity components of such convertible debt instruments by first
determining  the  carrying  amount  of  the  liability  component  by  measuring  the  fair  value  of  a  similar  liability  that  does  not  have  an  equity
component. The carrying amount of the equity component representing the embedded conversion option is then determined by deducting the fair
value of the liability component from the total proceeds from the issue. The resulting equity component is recorded, with a corresponding offset
to debt discount which is subsequently amortized to interest cost using the effective interest method over the period the debt is expected to be
outstanding as an additional non-cash interest expense. Transaction costs associated with the instrument are allocated pro-rata between the debt
and equity components.

For conventional convertible bonds which do not have a cash conversion option or where no substantial premium is received on issuance, it may
not be appropriate to split the bond into the liability and equity components.

A  conversion  of  the  bonds  at  more  favorable  terms  than  the  original  bond  is  treated  as  an  inducement  and  the  Company  recognizes  a  debt
conversion expense equal to the fair value of all securities and other consideration transferred in the transaction in excess of the fair value of
securities or consideration issuable pursuant to the original conversion terms.

Financial instruments

In  determining  the  fair  value  of  its  financial  instruments,  the  Company  uses  a  variety  of  methods  and  assumptions  that  are  based  on  market
conditions and risks existing at each balance sheet date. For the majority of financial instruments, including most derivatives and long-term debt,
standard market conventions and techniques such as options pricing models are used to determine fair value. All methods of assessing fair value
result in a general approximation of value, and such value may never actually be realized.

Interest rate and currency swaps
The  Company  enters  into  interest  rate  swap  transactions  from  time  to  time  to  hedge  a  portion  of  its  exposure  to  floating  interest  rates.  These
transactions involve the conversion of floating interest rates into fixed rates over the life of the transactions without an exchange of underlying
principal. The Company also enters into currency swap transactions from time to time to hedge against the effects of exchange rate fluctuations
on loan liabilities. Currency swap transactions involve the exchange of fixed amounts of other currencies for fixed US dollar amounts over the
life of the transactions, including an exchange of underlying principal. The Company may also enter into a combination of interest and currency
swaps "cross currency interest rate swaps". The fair values of the interest rate and currency swap contracts, including cross currency interest rate
swaps, are recognized as assets or liabilities, and for certain of the Company's swaps the changes in fair values are recognized in the consolidated
statements  of  operations.  When  the  interest  rate  and/or  currency  swap  or  combination,  qualifies  for  hedge  accounting  under  ASC  Topic  815
"Derivatives and Hedging" ("ASC 815"), and the Company has formally designated the swap as a hedge to the underlying loan, and when the
hedge  is  effective,  the  changes  in  the  fair  value  of  the  swap  are  recognized  in  other  comprehensive  income.  If  it  becomes  probable  that  the
hedged forecasted transaction to which these swaps relate will not occur, the amounts in other comprehensive income will be reclassified into
earnings immediately.

Drydocking provisions

Normal vessel repair and maintenance costs are charged to expense when incurred. The Company recognizes the cost of a drydocking at the time
the drydocking takes place, that is, it applies the "expense as incurred" method.

Earnings per share

Basic earnings per share ("EPS") is computed based on the income available to common stockholders and the weighted average number of shares
outstanding for basic EPS. Diluted EPS includes the effect of the assumed conversion of potentially dilutive instruments.

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Share-based compensation

The  Company  accounts  for  share-based  payments  in  accordance  with  ASC  Topic  718  "Compensation  –  Stock  Compensation"  ("ASC  718"),
under which the fair value of stock options issued to employees is expensed over the period in which the options vest. The Company uses the
simplified method for making estimates of the expected term of stock options.

Recently Adopted Accounting Standards

In May 2014, issued ASU 2014-09 "Revenue from Contracts with Customers", subsequently amended and collectively Topic 606. The standard
replaced almost all existing revenue recognition guidance in U.S. GAAP, with the intention to improve and converge with international standards
the financial reporting requirements for revenue from contracts with customers. The core principle of ASC 606 is that an entity should recognize
revenue for the transfer of goods or services equal to the amount that it expects to be entitled to receive for those goods or services. ASC 606
allows  for  adoption  either  on  a  full  retrospective  basis  to  each  prior  reporting  period  presented  or  on  a  modified  retrospective  basis  with  the
cumulative effect of initially applying the new guidance recognized at the date of initial application, which became effective for the Company
beginning January 1, 2018. The majority of vessels are on bareboat or time charters and these continue to be accounted as operating or finance
leases in accordance with ASC 840 Leases and related interpretations and the implementation of the new revenue standard therefore did not have
an effect on income recognition from such contracts.

The Company adopted ASC 606 in the first quarter of fiscal 2018 on a modified retrospective basis with no changes recognized in the prior year
comparative financial statements. The adoption of this standard only impacted our vessels operating on voyage charters. For vessels operating on
voyage  charters,  voyage  revenues  are,  under  the  new  revenue  standard,  recognized  over  the  estimated  length  of  each  voyage,  calculated  on  a
load-to-discharge  basis.  Certain  voyage  expenses,  primarily  bunker  fuel  expenses,  are  capitalized  between  the  previous  discharge  port,  or
contract date if later, and the next load port if they qualify as fulfillment costs under ASC 340 Deferred Costs and Other Assets. ASC 606 has
been  applied  to  those  voyage  contracts  that  were  not  completed  at  the  date  of  initial  application.  Upon  adoption,  the  cumulative  effect  of
adopting this guidance resulted in a net minor adjustment of $0.1 million to the opening balance of retained earnings as of January 1, 2018 and
the Company did not consider this material enough to record. In addition, the adoption of this standard did not have a material impact on the
consolidated financial statements of the Company for the year ended December 31, 2018.

In January 2016, the FASB issued ASU 2016-01 "Recognition and Measurement of Financial Assets and Financial Liabilities" to enhance the
reporting  model  for  financial  instruments  to  provide  users  of  financial  statements  with  more  decision-useful  information.  ASU  2016-01
particularly relates to the fair value and impairment of equity investments, financial instruments measured at amortized cost, and the use of the
exit price notion when measuring the fair value of financial instruments for disclosure purposes. ASU 2016-01 became effective for fiscal years
and interim periods beginning after December 15, 2017. The Company adopted ASU 2016-01 in the first quarter of fiscal 2018 on a modified
retrospective basis, with no changes recognized in the prior year comparatives and a cumulative catch up adjustment recognized in the opening
retained  earnings.  Upon  adoption  of  ASU  2016-01,  the  Company  reclassified  approximately  $98.8 million  of  unrealized  losses  related  to  its
equity investments from accumulated other comprehensive income to retained earnings. As a result of the adoption of this guidance the Company
is required to recognize the movement in the fair value of our equity securities in the consolidated statement of operations. For the year ended
December 31, 2018, the adoption of the standard resulted in a net unrealized gain of $12.3 million being included in the consolidated statement
of  operations.  The  Company  anticipates  additional  volatility  to  the  Company's  statements  of  operations  in  future  periods,  due  to  changes  in
market prices of the Company's investments in equity securities.

In  August  2016,  the  FASB  issued  ASU  2016-15  "Statement  of  Cash  Flows  (Topic  230):  Classification  of  Certain  Cash  Receipts  and  Cash
Payments", to address diversity in how certain cash receipts and cash payments are presented and classified in the statement of cash flows. It
addresses  the  following  eight  specific  cash  flow  issues:  debt  prepayment  or  debt  extinguishment  costs;  settlement  of  zero-coupon  debt
instruments or other debt instruments with coupon interest rates that are insignificant in relation to the effective interest rate of the borrowing;
contingent  consideration  payments  made  after  a  business  combination;  proceeds  from  the  settlement  of  insurance  claims;  proceeds  from  the
settlement  of  corporate-owned  life  insurance  policies  (COLIs)  (including  bank-owned  life  insurance  policies  (BOLIs));  distributions  received
from  equity  method  investees;  beneficial  interests  in  securitization  transactions;  and  separately  identifiable  cash  flows  and  application  of  the
predominance  principle.  The  amendments  are  effective  for  fiscal  years  beginning  after  December  15,  2017,  and  interim  periods  within  those
fiscal years with early adoption permitted. The amendments should be applied using a retrospective transition method to each period presented. If
it  is  impracticable  to  apply  the  amendments  retrospectively  for  some  of  the  issues,  the  amendments  for  those  issues  would  be  applied
prospectively as of the earliest date practicable. The adoption of these amendments did not have a material impact on the consolidated financial
statements of the Company for the year ended December 31, 2018.

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In November 2016, the FASB issued ASU 2016-18 "Statement of Cash Flows (Topic 230): Restricted Cash", to address diversity in practice that
exists in the classification and presentation of changes in restricted cash and require that a statement of cash flows explain the change during the
period in the total of cash, cash equivalents, and amounts generally described as restricted cash or restricted cash equivalents. The standard was
effective for fiscal years beginning after December 15, 2017, and interim periods within those years. For the year ended December  31,  2018,
restricted cash has been disclosed as part of cash and cash equivalents in the Consolidated Statement of Cash Flows.

In January 2017, the FASB issued ASU 2017-01 "Business Combinations (Topic 805) - Clarifying the Definition of a Business" which clarifies
the definition of a business with the objective of adding guidance to assist entities with evaluating whether transactions should be accounted for
as acquisitions (or disposals) of assets or businesses. ASU 2017-01 is required to be applied prospectively and was effective for the Company
beginning  January  1,  2018.  The  adoption  of  ASU  2017-01  did  not  have  a  material  impact  on  the  consolidated  financial  statements  of  the
Company for the year ended December 31, 2018.

In May 2017, the FASB issued ASU 2017-09 "Compensation - Stock Compensation (Topic 718): Scope of Modification Accounting" to clarify
and reduce both diversity in practice and cost and complexity when applying the guidance in Topic 718, Compensation - Stock Compensation, to
a change to the terms or conditions of a share-based payment award. The amendments provide guidance on determining which changes to the
terms and conditions of share-based payment awards require an entity to apply modification accounting. ASU 2017-09 was effective for fiscal
years  and  interim  periods  beginning  after  December  15,  2017.  Early  adoption  was  permitted.  The  adoption  of  ASU  2017-09  did  not  have  a
material impact on the consolidated financial statements of the Company for the year ended December 31, 2018.

3.

RECENTLY ISSUED ACCOUNTING STANDARDS

In  February  2016,  the  Financial  Accounting  Standards  Board  ("FASB")  issued  Accounting  Standards  Update  ("ASU")  2016-02  "Leases"  to
increase transparency and comparability among organizations by recognizing lease assets and lease liabilities on the balance sheet and disclosing
key information about leasing arrangements. ASU 2016-02 creates a new Accounting Standards Codification Topic 842 "Leases" to replace the
previous  Topic  840  "Leases."  ASU  2016-02  affects  both  lessees  and  lessors,  although  for  the  latter  the  provisions  are  similar  to  the  previous
model, but updated to align with certain changes to the lessee model and also the new revenue recognition provisions contained in Topic 606.
ASU  2016-02  is  effective  for  fiscal  years  and  interim  periods  beginning  after  December  15,  2018.  Early  adoption  is  permitted.  Accounting
Standards  Codification  ("ASC")  842  provides  a  group  of  practical  expedients  that  allows  entities  to  not  (i)  reassess  whether  any  expired  or
existing contracts are considered or contain leases; (ii) reassess the lease classification for any expired or existing leases and (iii) reassess initial
direct costs for any existing leases. The Company plans to adopt ASC 842 on January 1, 2019 and has elected the use of the practical expedients.
Due  to  this  election,  the  Company  has  determined  the  adoption  of  ASC  842  will  not  have  a  material  impact  on  the  consolidated  financial
statements.

In December 2018, the FASB issued ASU No. 2018-20 "Leases (Topic 842): Narrow-Scope Improvements for Lessors" to address issues facing
lessors when applying the leases standard. The amendments addresses the following issues (i) Sales taxes and other similar taxes collected from
lessees, which permits lessors, as an accounting policy election, to not evaluate whether certain sales taxes and other similar taxes are lessor costs
or lessee costs. Instead, those lessors will account for those costs as if they are lessee costs and exclude the costs from being reported as lease
revenue with an associated expense. (ii) Certain lessor costs paid directly by lessees, whereby certain lessor costs require lessors to exclude from
variable payments, and therefore revenue, lessor costs paid by lessees directly to third parties. The amendments also require lessors to account
for costs excluded from the consideration of a contract that are paid by the lessor and reimbursed by the lessee as variable payments. A lessor
will record those reimbursed costs as revenue. (iii) Recognition of variable payments for contracts with lease and non-lease components. The
amendments relate to recognizing variable payments for contracts with lease and non-lease components require lessors to allocate (rather than
recognize as currently required in the new leases standard) certain variable payments to the lease and non-lease components when the changes in
facts  and  circumstances  on  which  the  variable  payment  is  based  occur.  After  the  allocation,  the  amount  of  variable  payments  allocated  to  the
lease  components  will  be  recognized  as  income  in  profit  or  loss  in  accordance  with  the  new  leasing  guidance,  while  the  amount  of  variable
payments allocated to non-lease components will be recognized in accordance with other accounting guidance, such as revenue from contracts
with customers. ASU 2018-20 is effective for fiscal years and interim periods beginning after December 15, 2018. The Company has determined
the adoption of ASU 2018-20 will not have a material impact on the consolidated financial statements.

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In June 2016, the FASB issued ASU 2016-13 "Financial Instruments - Credit Losses" to introduce new guidance for the accounting for credit
losses on instruments within its scope. ASU 2016-13 requires among other things, the measurement of all expected credit losses for financial
assets  held  at  the  reporting  date  based  on  historical  experience,  current  conditions,  and  reasonable  supportable  forecasts.  Many  of  the  loss
estimation  techniques  applied  today  will  still  be  permitted,  although  the  inputs  to  those  techniques  will  change  to  reflect  the  full  amount  of
expected  credit  losses.  In  addition,  ASU  2016-13  amends  the  accounting  for  credit  losses  on  available-for-sale  debt  securities  and  purchased
financial assets with credit deterioration. ASU 2016-13 is effective for fiscal years and interim periods beginning after December 15, 2019. Early
adoption  is  permitted.  The  Company  is  currently  assessing  the  impact  of  ASU  2016-13  on  its  consolidated  financial  position,  results  of
operations and cash flows.

In March 2017, the FASB issued ASU 2017-08 "Receivables - Nonrefundable Fees and Other Costs (Subtopic 310-20), Premium Amortization
on  Purchased  Callable  Debt  Securities"  to  amend  the  amortization  period  for  certain  purchased  callable  debt  securities  held  at  a  premium.
Specifically, the amendments require the premium to be amortized to the earliest call date. The amendments do not require an accounting change
for securities held at a discount; the discount continues to be amortized to maturity. ASU 2017-08 is effective for fiscal years and interim periods
beginning  after  December  15,  2018.  Early  adoption  is  permitted.  The  impact  on  the  consolidated  financial  statements  of  the  Company  will
depend on the facts and circumstances of any specific future transactions.

In  August  2017,  the  FASB  issued  ASU  2017-12  "Derivatives  and  Hedging  (Topic  815):  Targeted  Improvements  to  Accounting  for  Hedging
Activities",  to  enable  entities  to  better  portray  the  economics  of  their  risk  management  activities  in  the  financial  statements  and  enhance  the
transparency  and  understandability  of  hedge  results.  The  amendments  also  simplify  the  application  of  hedge  accounting  in  certain  situations.
ASU 2017-12 is effective for fiscal years and interim periods beginning after December 15, 2018. The Company has not elected to early adopt.
The effect of the adoption of ASU 2017-12 will be that $34.4 thousand of hedge ineffectiveness losses will be reclassified from retained earnings
to other comprehensive income.

In  July  2018,  the  FASB  issued  ASU  2018-10  "'Codification  Improvements  to  Topic  842,  Leases"  to  provide  amendments  that  affect  narrow
aspects of the guidance issued in the amendments in ASU 2016-02 including those regarding residual value guarantees, rate implicit in the lease,
lessee  reassessment  of  lease  classification,  lessor  reassessment  of  lease  term  and  purchase  option,  variable  lease  payments  that  depend  on  an
index  or  a  rate,  investment  tax  credits,  lease  term  and  purchase  option,  transition  guidance  for  amounts  previously  recognized  in  business
combinations,  certain  transition  adjustments,  transition  guidance  for  leases  previously  classified  as  capital  leases  under  Topic  840,  transition
guidance for modifications to leases previously classified as direct financing or sales-type leases under Topic 840, transition guidance for sale
and leaseback transactions, impairment of net investment in the lease, unguaranteed residual asset, effect of initial direct costs on rate implicit in
the lease, and failed sale and leaseback transactions. ASU 2018-10 is effective for fiscal years and interim periods beginning after December 15,
2018. The Company does not expect that the adoption of ASU 2018-10 will have a material effect on the consolidated financial statements.

In October 2018, the FASB issued ASU No. 2018-16 "Derivatives and Hedging (Topic 815): Inclusion of the Secured Overnight Financing Rate
(SOFR)  Overnight  Index  Swap  (OIS)  Rate  as  a  Benchmark  Interest  Rate  for  Hedge  Accounting  Purposes."  In  the  United  States,  eligible
benchmark interest rates under Topic 815 are interest rates on direct Treasury obligations of the U.S. government (UST), the London Interbank
Offered Rate (LIBOR) swap rate, and the Overnight Index Swap (OIS) Rate based on the Federal Funds Effective Rate. When the FASB issued
ASU  No.  2017-12,  Derivatives  and  Hedging  (Topic  815):  Targeted  Improvements  to  Accounting  for  Hedging  Activities,  in  August  2017,  it
introduced the Securities Industry and Financial Markets Association (SIFMA) Municipal Swap Rate as the fourth permissible U.S. benchmark
rate. The new ASU adds the OIS rate based on SOFR as a U.S. benchmark interest rate to facilitate the LIBOR to SOFR transition and provide
sufficient  lead  time  for  entities  to  prepare  for  changes  to  interest  rate  risk  hedging  strategies  for  both  risk  management  and  hedge  accounting
purposes. ASU 2018-16 is effective for fiscal years and interim periods beginning after December 15, 2019. The Company is currently assessing
the impact of ASU 2018-16 on the consolidated financial statements.

In November 2018, the FASB issued ASU No. 2018-18 "Collaborative Arrangements (Topic 808): Clarifying the Interaction between Topic 808
and Topic 606", which defines a collaborative arrangement as a contractual arrangement under which two or more parties actively participate in a
joint operating activity and are exposed to significant risks and rewards that depend on the activity’s commercial success. The ASU provides
guidance  on  how  to  assess  whether  certain  transactions  between  collaborative  arrangement  participants  should  be  accounted  for  within  the
revenue recognition standard.

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The  ASU  also  provides  more  comparability  in  the  presentation  of  revenue  for  certain  transactions  between  collaborative  arrangement
participants.  It  accomplishes  this  by  allowing  organizations  to  only  present  units  of  account  in  collaborative  arrangements  that  are  within  the
scope  of  the  revenue  recognition  standard  together  with  revenue  accounted  for  under  the  revenue  recognition  standard.  The  parts  of  the
collaborative arrangement that are not in the scope of the revenue recognition standard should be presented separately from revenue accounted
for under the revenue recognition standard. ASU 2018-18 is effective for fiscal years and interim periods beginning after December 15, 2019.
The Company does not expect that the adoption of ASU 2018-18 will have a material effect on the consolidated financial statements.

Also in November 2018, the FASB issued ASU No. 2018-19 "Codification Improvements to Topic 326, Financial Instruments-Credit Losses" to
provide  new  guidance  to  mitigate  the  transition  complexity  by  requiring  entities  other  than  public  business  entities,  including  not-for-profit
organizations  and  certain  employee  benefit  plans,  to  implement  the  credit  losses  standard  issued  in  2016,  for  fiscal  years  beginning  after
December 15, 2021, including interim periods within those fiscal years. This aligns the implementation date for their annual financial statements
with the implementation date for their interim financial statements. The guidance also clarifies that receivables arising from operating leases are
not within the scope of the credit losses standard, but rather, should be accounted for in accordance with the leases standard. ASU 2018-19 is
effective for fiscal years and interim periods beginning after December 15, 2019. The Company is currently assessing the impact of ASU 2018-
19 on the consolidated financial statements.

4.

SEGMENT INFORMATION

The Company has only one reportable segment. The Company's assets operate on a world-wide basis and the Company's management does not
evaluate performance by geographical region or by asset type, as they believe that any such information would not be meaningful.

5.

TAXATION

Bermuda

Under current Bermudan law, the Company is not required to pay taxes in Bermuda on either income or capital gains. The Company has received
written assurance from the Minister of Finance in Bermuda that, in the event of any such taxes being imposed, the Company will be exempted
from taxation until the year 2035.

United States

The Company does not accrue U.S. income taxes as, in the opinion of U.S. counsel, the Company is not engaged in a U.S. trade or business and
is exempted from a gross basis tax under Section 883 of the U.S. Internal Revenue Code.

A reconciliation between the income tax expense resulting from applying statutory income tax rates and the reported income tax expense has not
been presented herein, as it would not provide additional useful information to users of the financial statements as the Company's net income is
subject to neither Bermuda nor U.S. tax.

Other Jurisdictions

Certain  of  the  Company's  subsidiaries  and  branches  in  Norway  and  the  United  Kingdom  are  subject  to  income  tax  in  their  respective
jurisdictions. The tax paid by subsidiaries of the Company that are subject to income tax is not material.

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6.

EARNINGS PER SHARE

The computation of basic earnings per share ("EPS") is based on the weighted average number of shares outstanding during the year and the
consolidated net income of the Company. Diluted EPS includes the effect of the assumed conversion of potentially dilutive instruments.

The components of the numerator for the calculation of basic and diluted EPS are as follows:

(in thousands of $)

Basic earnings per share:

Net income available to stockholders

Diluted earnings per share:

Net income available to stockholders

Interest and other expenses attributable to convertible bonds

Net income assuming dilution

The components of the denominator for the calculation of basic and diluted EPS are as follows:

(in thousands)

Basic earnings per share:

Year ended December 31,

2018 

2017   

2016 

73,622 

101,209   

146,406 

73,622 
123 
73,745 

101,209   
4,511   
105,720   

146,406 
15,310 
161,716 

Year ended December 31,

2018 

2017   

2016 

Weighted average number of common shares outstanding

105,898 

95,597   

93,497 

Diluted earnings per share:

Weighted average number of common shares outstanding*

Effect of dilutive share options

Effect of dilutive convertible bonds

Weighted average number of common shares outstanding assuming dilution

Basic earnings per share:

Diluted earnings per share:

105,898 
59 
1,649 
107,606 

95,597   
26   
7,277   
102,900   

93,497 
— 
14,543 
108,040 

Year ended December 31,

2018   
0.70    $
0.69    $

2017   
1.06    $
1.03    $

2016 
1.57 
1.50 

$

$

*The weighted average number of common shares outstanding excludes 8,000,000 shares issued as part of a share lending arrangement relating
to  the  Company's  issuance  of  5.75%  senior  unsecured  convertible  bonds  in  October  2016.  It  also  excludes  3,765,842  shares  issued  as  of
December 31, 2018 from up to 7,000,000 shares issuable under a share lending arrangement relating to the Company's issuance of 4.875% senior
unsecured convertible bonds in April and May 2018. These lent shares are owned by the Company and will be returned on or before maturity of
the bonds in 2021 and 2023, respectively.

In  February  2018,  the  Company  redeemed  the  full  outstanding  amount  under  the  3.25%  senior  unsecured  convertible  bonds  due  2018.  The
remaining outstanding principal amount of $63.2 million was paid in cash, and the premium settled in common shares with the issue of 651,365
new shares.

As  of  December  31,  2018,  the  4.875%  senior  unsecured  convertible  bonds  issued  in  April  and  May  2018  and  the  5.75%  senior  unsecured
convertible bonds issued in October 2016 were both anti-dilutive.

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7.

OPERATING LEASES

Rental income

The minimum future revenues to be received under the Company's non-cancelable operating leases on its vessels as of December 31, 2018, are as
follows: 

Year ending December 31,

(in thousands of $)

2019

2020

2021

2022

2023

Thereafter

Total minimum lease revenues

There is no contingent rental income included above.

313,018 
298,033 
250,742 
179,092 
161,125 
209,844 
1,411,854 

The cost and accumulated depreciation of vessels (owned and under capital lease) leased to third parties on non-cancelable operating leases at
December 31, 2018 and 2017 were as follows:

(in thousands of $)

Cost

Accumulated depreciation

Total

2018 
2,336,269 
309,135 
2,027,134 

2017 
2,256,747 
494,151 
1,762,596 

8.

GAIN/(LOSS) ON SALE OF ASSETS AND TERMINATION OF CHARTERS

The Company has recorded gains/losses on sale of assets and termination of charters as follows:

(in thousands of $)

(Loss)/gain on sale of vessels

Gain on termination of charters

Total loss/(gain) on sale of assets and termination of charters

Year ended December 31,

2018

(2,578)

—

(2,578)

2017

(1,699)

2,823

1,124

2016

(167)

—

(167)

The Company distinguishes between gains or losses on termination of charters, where ownership of the underlying vessel is retained, and gains
or  losses  on  sale  of  assets,  where  the  vessel  is  disposed  of  and  there  may  be  an  associated  charter  termination  fee  paid  or  received  for  early
termination of the underlying charter.

(Loss)/Gain on sale of vessels:

During the year ended December 31, 2018, the VLCC Front Circassia, which was accounted for as a direct financing lease asset, was sold to an
unrelated third party. A loss of $1.4 million was recorded on the disposal, the proceeds of which included $17.9 million gross sales proceeds and
compensation in the form of a loan note of $4.4 million at fair value was received for the early termination of the charter (see Note 24: Related
party transactions).

The container vessel SFL Avon, which was accounted for as an operating lease asset, was sold to an unrelated third party during the year ended
December 31, 2018 for a loss of $0.2 million on disposal.

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The  VLCCs  Front Page, Front Stratus  and  Front Serenade  which  were  accounted  for  as  direct  financing  lease  assets  during  the  year  ended
December 31, 2018, were sold to a related party, ADS Crude Carriers Plc. ("ADS"). Gains of $0.3 million, $0.2 million and $0.3 million were
recorded on the disposal of the vessels, respectively. The gross proceeds from the sale was $22.5 million per vessel in addition to compensation,
in the form of loan notes of $3.4 million each, received for the early termination of the charters (see Note 24: Related party transactions).

During the year ended December 31, 2018,  the  VLCCs Front Ariake and Front Falcon,  which  were  accounted  for  as  a  direct  financing  lease
assets,  were  sold  to  an  unrelated  third  party.  A  gain  of  $1,000  and  a  loss  of  $1.8  million  was  recorded  on  the  disposals  respectively,  and
compensation in the form of a loan note of $3.4 million at fair value was received for the early termination of the Front Ariake charter (see Note
24: Related party transactions).

During the year ended December 31, 2017, the Company recorded a net loss of $1.7 million arising from the disposals of four crude oil tankers
and the commencement of a sales-type lease for the 1,700 TEU container vessel MSC Alice as described below.

The VLCC Front Century, the Suezmax Front Brabant, the VLCC Front Scilla and the Suezmax Front Ardenne, which were accounted for as
direct financing lease assets, were sold to unrelated third parties in March 2017, May 2017, June 2017 and August 2017, respectively. Losses of
$26,000,  $1.7  million,  $1.1  million  and  a  gain  of  $0.3  million,  respectively,  were  recorded  on  the  disposals.  Sales  proceeds  included
compensation received for early termination of the charters (see Note 24: Related party transactions). The 1,700 TEU container vessel MSC Alice
which was previously an operating lease asset, was accounted for as a sales-type lease during the year ended December 31, 2017, following the
commencement of a long-term bareboat charter in April 2017 to MSC Mediterranean Shipping Company S.A. ("MSC"), an unrelated party. The
terms of the charter provides a minimum fixed price purchase obligation at the expiry of the five year charter period. A gain of $0.7 million was
recorded on the transaction.

During  the  year  ended  December  31,  2016,  the  Company  sold  one  VLCC  and  one  offshore  support  vessel  to  unrelated  parties  and  realized
aggregate net loss of $0.2 million on their disposals.

Gain on termination of charters:

In  April  2017,  the  2007-built  jack-up  drilling  rig  Soehanah  was  redelivered  to  us  by  the  previous  charterer,  PT  Apexindo  Pratama  Duta
("Apexindo"). Ship Finance received a non-amortizing loan note with a term of six years from Apexindo as part of the settlement agreement for
the early termination of the charter. The note which has an initial face value of $6.0 million has been recorded at an initial fair value of $2.8
million, resulting as a gain on the termination of the charter.

9.

GAIN ON SALE OF SUBSIDIARIES AND DISPOSAL GROUPS

During the year ended December 31, 2018, the Company entered into an agreement to sell 100%  of  the  share  capital  of  Rig  Finance  Limited
("Rig Finance"), a wholly owned subsidiary, to an unrelated third party. Rig Finance owned the jack-up drilling rig Soehanah. Net proceeds of
$84.4 million were received for the shares, resulting in a net gain of $7.6 million on the sale. At the time of disposal on December 31, 2018, net
assets held by Rig Finance were as follows:

(in thousands of $)

Cash and cash equivalents

Vessel and equipment, net

Charter deposit

Other current liabilities

Net assets

December 31, 2018

915 
76,875 
(913)

(90)

76,787 

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10.

OTHER FINANCIAL ITEMS

Other financial items comprise the following items: 

(in thousands of $)

Net cash payments on non-designated derivatives

Net increase in fair value of non-designated derivatives

Net increase in fair value of designated derivatives (ineffective portion)

Other items

Total other financial items

Year ended December 31,

2018   
(721)  
13,908   
(11)  

(2,769)  

10,407   

2017   
(5,124)  
8,068   
140   
(5,768)  

(2,684)  

2016 
(4,913)
3,917 
482 
(1,575)

(2,089)

The net movement in the fair values of non-designated derivatives and net cash payments thereon relate to non-designated, terminated or de-
designated interest rate swaps and cross currency interest rate swaps. The net movement in the fair values of designated derivatives relates to the
ineffective portion of interest rate swaps and cross currency interest rate swaps that have been designated as cash flow hedges. Changes in the
fair  values  of  the  effective  portion  of  interest  rate  swaps  that  are  designated  as  cash  flow  hedges  are  reported  under  "Other  comprehensive
income". The above net movement in the valuation of non-designated derivatives in the year ended December 31, 2018, includes $3.1 million
(2017:  $1.6  million;  2016:  $nil)  reclassified  from  "Other  comprehensive  income",  as  a  result  of  certain  interest  rate  swaps  relating  to  loan
facilities no longer being designated as cash flow hedges.

Other items in the year ended December 31, 2018, include a net loss of $2.0 million arising from foreign currency translation (2017: loss $4.5
million; 2016: gain $0.1 million). Other items also include bank charges and fees relating to loan facilities.

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11.

INVESTMENTS IN DEBT AND EQUITY SECURITIES

Marketable securities held by the Company consist of corporate bonds and equity securities.  

(in thousands of $)

Amortized cost

Accumulated net unrealized (loss)/gain

Carrying value

2018   
76,234   
10,940   
87,174   

2017 
194,184 
(100,382)

93,802 

(in thousands of $)

Corporate Bonds:

Golden Close Senior

Golden Close Convertible

Golden Close Super Senior

NorAm Drilling

Oro Negro

Total corporate bonds

Shares:

Frontline

NorAm Drilling

Golden Close

ADS Crude Carriers

Total shares

Total

Year ended December 31, 2018

Year ended December 31, 2017

Amortised Cost  

Unrealised
gains/ (losses)*  

Fair value

Amortised
Cost

Unrealised
gains/ (losses)*  

Fair value

— 
— 
— 
4,715 
7,886 
12,601 

50,490 
3,035 
108 
10,000 
63,633 
76,234 

—   
—   
—   
477   
167   
644   

10,340   
893   
(108)  

(829)  

10,296   
10,940   

—   
—   
—   
5,192   
8,053   
13,245   

60,830   
3,928   
—   
9,171   
73,929   
87,174   

17,754   
9,960   
2,561   
5,181   
7,886   
43,342   

150,004   
730   
108   
—   
150,842   
194,184   

(2,240)  
—   
347   
293   
—   
(1,600)  

(99,514)  
732   
—   
—   
(98,782)  

(100,382)  

15,514 
9,960 
2,908 
5,474 
7,886 
41,742 

50,490 
1,462 
108 
— 
52,060 
93,802 

* This includes foreign currency gains or losses on non U.S. dollar denominated equity investments in addition to the changes in the fair value
from market prices movements.

The investments in corporate bonds at December 31, 2018, consist of investments in Oro Negro and NorAm Drilling Company AS ("NorAm
Drilling")  bonds  which  have  a  total  carrying  value  of  $13.2 million (2017: $41.7 million,  including  investments  in  Golden  Close  Corp.  Ltd.
("Golden Close") bonds) and have maturities in 2019 and 2021, respectively. The corporate bonds are classified as available-for-sale securities
and  are  recorded  at  fair  value,  with  unrealized  gains  and  losses  recorded  as  a  separate  component  of  "Other  comprehensive  income".  The
accumulated net unrealized gain on these available-for-sale corporate debt securities included in "Other comprehensive income" at December 31,
2018, was $0.6 million (2017: loss of $1.6 million).

Following the adoption of ASU 2016-01 from January 2018, the Company now recognizes any changes in the fair value of equity investments in
net income. The adoption of the standard resulted in a net unrealized gain of $12.3 million recorded in the consolidated statement of operations
for the year ended December 31, 2018. See also Recently Adopted Accounting Standards within Note 2.

The investments in shares at December 31, 2018, consist of listed shares in Frontline with a carrying value of $60.8 million (2017: $50.5 million)
(see Note 24: Related party transactions), shares in NorAm Drilling traded in the Norwegian Over the Counter market ("OTC") market with a
carrying value of $3.9 million (2017: $1.5 million) and shares in Golden Close, previously traded in the Norwegian OTC market with a carrying
value of $nil (2017: $0.1 million).

During the year ended December 31, 2018, the Company acquired 4,031,800 shares in ADS, a recently formed company in 2018 trading on the
Oslo  Merkur  Market  and  a  related  party.  The  investment  in  ADS  shares  were  purchased  for  $10.0 million  and  have  a  carrying  value  of  $9.2
million at December 31, 2018 (2017: $nil). See also Note 24: Related party transactions.

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In November 2018 NorAm Drilling undertook a share consolidation of 20:1, resulting in a revised investment of 601,023 shares. On the same
day  NorAm  Drilling  participated  in  a  rights  issue,  increasing  the  Company's  investment  in  shares  by  623,447  shares.  In  December  2018,  the
Company acquired an additional 41,756 shares bringing the total investment in NorAm Drilling to 1,266,226  shares  with  a  fair  value  of  $3.9
million at December 31, 2018 (2017: $1.5 million).

During  the  year  ended  December  31,  2018,  Golden  Close  initiated  liquidation  proceedings.  As  a  result  of  this,  the  Company  received  total
proceeds of $45.6 million in settlement of its total investment, resulting in an overall net gain of $13.5 million. As at December 31, 2018, the net
investment in Golden Close debt and equity securities is $nil (2017: $28.5 million).

In December 2017, the Company determined that the shares in Golden Close were other-than-temporarily impaired and recorded $3.9 million
impairment charge in a separate line in the consolidated statement of operations for the year ended December 31, 2017.

12.

TRADE ACCOUNTS RECEIVABLE AND OTHER RECEIVABLES

Trade accounts receivable

Trade accounts receivable are presented net of allowances for doubtful debts. The allowance for doubtful trade accounts receivable was $nil at
both December 31, 2018 and December 31, 2017. As at December 31, 2018, the Company has no reason to believe that any amount included in
trade accounts receivable will not be recovered through due process or negotiation.

Other receivables

Other receivables, mainly include amounts due from vessel managers and claims receivable, which are presented with no allowance for doubtful
accounts as of December 31, 2018 and December 31, 2017.

13.

VESSELS AND EQUIPMENT, NET

(in thousands of $)

Cost

Accumulated depreciation

Vessels and equipment, net

2018   
1,955,880   
396,168   
1,559,712   

2017 
2,256,747 
494,151 
1,762,596 

The Company disposed of one container vessel, SFL Avon, with a net carrying value of $12.3 million during the year ended December 31, 2018
(Refer Note 8: Gain/(loss) on sale of assets and termination of charters).

In addition, the Company sold a wholly owned subsidiary which owned one jack-up drilling rig, Soehanah with a net carrying value of $76.9
million during the year ended December 31, 2018 (Refer Note 9: Gain on sale of subsidiaries and disposal groups).

In 2018, the Company had no agreements for the construction of newbuilding vessels. In 2017, the Company took delivery of two newbuilding
oil product carriers at an aggregate cost of $115.1 million and transferred one container vessel from operating lease asset to a sales-type lease
asset. The carrying value of the container vessel reclassified from vessels and equipment to investment in lease asset was $2.3 million.

Depreciation expense was $104.1 million for the year ended December 31, 2018 (2017: $88.2 million; 2016: $94.3 million).

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The Company owns five offshore support vessels which are chartered on a long-term bareboat charter to Deep Sea Supply Shipowning II AS (the
“Solstad  Charterer”),  an  indirect  wholly  owned  subsidiary  of  Solship  Invest  3  AS  (“Solship”)  which  is  in  turn  a  wholly  owned  subsidiary  of
Solstad Offshore ASA (“Solstad”). Four of these vessels are accounted for as operating leases within Vessels and Equipment, net, and the other
one is accounted for as a finance lease (Refer Note 16: Investments in direct financing and sales-type leases). In July 2018, the Company entered
into  a  restructuring  agreement  with  subsidiaries  of  Solstad,  which  became  effective  at  the  end  of  August  2018,  whereby  the  Company  will
receive 50% of the agreed charter hire for two of the offshore support vessels accounted for as operating leases. All other contracted charter hire
income earned from fixed assets and finance lease assets will be deferred until the end of 2019. In 2018, following indications that the Solstad
Charterer may not have sufficient funds to fulfill its obligations under the charters, the vessels were written down to estimated fair value and
impairment charges of $25.4 million were made against the four offshore supply vessels accounted for as operating leases. (See also Note 16:
Investments in direct financing and sales-type leases).

No impairment charges were made in 2017 and $4.8 million was recorded against the carrying value of one container vessel in the year ended
December 31, 2016.

Acquisitions, disposals and impairments in respect of vessels accounted for as direct financing and sales-type leases and vessels those accounted
for as capital leases are discussed in Note 16: Investments in direct financing and sales-type leases and Note 14: Vessels under capital lease, net,
respectively.

14.

VESSELS UNDER CAPITAL LEASE, NET

(in thousands of $)

Cost

Accumulated depreciation

Vessels under capital lease, net

2018 
754,392 
4,503 
749,889 

2017 
— 
— 
— 

In  May  2018,  the  Company  took  delivery  of  four  2014  built  container  vessels,  each  with  approximately  13,800  TEU  carrying  capacity.  The
Company  initially  recorded  additions  to  cost  of  vessels  and  equipment  of  $445.0 million,  which  included  the  issuance  of  4,024,984  common
shares with a value of $58.0 million as part of the consideration. An additional $18.0 million of the consideration paid was assigned to the long
term time charter contracts acquired with the vessels which was recorded separately within long term assets and is being amortized to revenue
over the remaining period of each contract.

In September and October 2018, the Company took delivery of three 2015 built container vessels, each with approximately 10,600 TEU carrying
capacity. The Company initially recorded additions to cost of vessels and equipment of $315.0 million

In  the  third  and  fourth  quarter  of  2018,  the  Company  refinanced  the  four  13,800  TEU  container  vessels  and  the  three  10,600  TEU  container
vessels with an Asian based financial institution by entering into separate sale and leaseback financing arrangements. The vessels are leased back
for an original term ranging from six to 11 years, with options to purchase each vessel after six years. The vessels were derecognized from the
Vessels and Equipment category and reclassified to the Vessels under Capital Lease category at a total net carrying value of $748.9 million. The
Company recorded additions of $5.5 million. Depreciation charged on vessels under capital lease during the year ended December 31, 2018 was
$4.5 million and is included in depreciation in the accompanying consolidated statements of operations.

15.

NEWBUILDINGS

The  carrying  value  of  newbuildings  represents  the  accumulated  costs  which  the  Company  has  paid  in  purchase  installments  and  other  capital
expenditures relating to the acquisition of newbuilding vessels, together with capitalized loan interest. No interest was capitalized in the cost of
newbuildings in the year ended December 31, 2018 (2017: $1.2 million; 2016: $1.2 million).

As at December 31, 2018, and December 31, 2017 the Company had no agreements for the construction of newbuilding vessels.

During 2017, the Company took delivery of two newbuilding oil product carriers, which were under construction as at December 31, 2016. Upon
delivery, the vessels were transferred from newbuildings to vessels and equipment (see Note 13: Vessels and equipment, net).

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16.

INVESTMENTS IN DIRECT FINANCING AND SALES TYPE LEASES

As of December 31, 2018, three  of  the  Company's  VLCCs  (2017: nine  VLCCs  and  Suezmax  tankers)  were  accounted  for  as  direct  financing
leases. These vessels are chartered to Frontline Shipping on long-term, fixed rate time charters which extend for various periods depending on
the  age  of  the  vessels,  ranging  from  approximately  six to eight  years.  Frontline  Shipping  is  a  subsidiary  of  Frontline,  a  related  party,  and  the
terms  of  the  charters  do  not  provide  them  with  an  option  to  terminate  the  charter  before  the  end  of  its  term.  The  VLCCs  Front  Page,  Front
Stratus and Front  Serenade  which  were  accounted  for  as  direct  financing  leases,  were  sold  in  July  2018,  August  2018  and  September  2018,
respectively. These vessels were sold to ADS, a related party (see Note 8: Gain/(loss) on sale of assets and termination of charters and Note 24:
Related party transactions). Prior to the sale of these vessels, an impairment charge of $21.8 million was recorded against the carrying value of
these three vessels.

The VLCC Front Circassia, which was accounted for as a direct financing lease, was sold in February 2018 (see Note 8: Gain/(loss) on sale of
assets and termination of charters and Note 24: Related party transactions).

The VLCCs Front  Ariake  and  Front  Falcon, which  were  accounted  for  as  direct  financing  leases,  were  sold  in  October  2018  and  November
2018, respectively. An impairment charge of $6.8 million  was  recorded  against  the  carrying  value  of  VLCC  Front  Ariake  leased  to  Frontline
Shipping.

The  Company  owns  one  offshore  supply  vessel  accounted  for  as  a  direct  finance  lease  which  is  chartered  on  a  long-term  bareboat  charter,
together with four other vessels accounted for as operating leases, to the Solstad Charterer (see Note 13: Vessels and equipment, net). In 2018,
the Company recorded an impairment charge of $10.3 million, against the carrying value of this vessel.

In addition to the remaining four vessels above leased to related and unrelated third parties, the Company also had four (2017: two) container
vessels accounted for as direct financing leases and one (2017: one) container vessel accounted for as a sales-type lease as at December 31, 2018,
which are all on long-term bareboat charters to MSC Mediterranean Shipping Company S.A. ("MSC"), an unrelated party. The two additional
container vessels, MSC Erica and MSC Reef, were also chartered in from unrelated third parties in December 2018, and immediately commenced
a finance lease out to MSC. The terms of the charters provide a fixed price put option, purchase option or purchase obligation at the expiry of the
15  year  charter  period  for  four  of  the  container  vessels  and  a  minimum  fixed  price  purchase  obligation  at  the  expiry  of  the  five  year  charter
period for the fifth container vessel.

In  April  2018,  the  Company  acquired 15  second  hand  feeder  size  container  vessels  for  an  aggregate  purchase  price  of  $105.5 million  from  a
subsidiary  of  MSC.  The  vessels  were  immediately  leased  back  to  the  seller  under  seven  year  bareboat  charters.  The  charterer  has  purchase
options throughout the term of the charters and the Company has a put option at the end of the seven year period.

As at December 31, 2018, the Company had a total of 24 vessels accounted for as direct financing and sales-type leases (2017: 13 vessels).

The following lists the components of the investments in direct financing leases as at December 31, 2018, and December 31, 2017: 

(in thousands of $)

Total minimum lease payments to be received

Less: amounts representing estimated executory costs including profit thereon, included in total minimum
lease payments

Net minimum lease payments receivable

Estimated residual values of leased property (un-guaranteed)

Less: unearned income

Total investment in direct financing leases

Current portion

Long-term portion

F-28

2018   
1,173,152   

(74,077)  

1,099,075   
180,080   
(476,996)  

802,159   
39,804   
762,355   
802,159   

2017 
916,765 

(211,508)

705,257 
232,424 
(319,610)

618,071 
32,096 
585,975 
618,071 

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The chartered-in vessels MSC Anna, MSC Viviana, MSC Erica and MSC Reef are included in the above and had a total carrying value of $581.2
million (2017: $283.9 million for MSC Anna, MSC Viviana). The minimum lease payments included above for these vessels at December 31,
2018 is $870.0 million (2017: $432.2 million).

The minimum future gross revenues to be received under the Company's non-cancellable direct financing leases as of December 31, 2018, are as
follows:

2019

2020

2021

2022

2023

Thereafter

Total minimum lease revenues

Year ending December 31,

(in thousands of $) 
106,503 
105,877 
105,257 
104,849 
104,690 
645,976 
1,173,152 

The above minimum lease revenues includes $162.4 million related to the three VLCCs leased to Frontline Shipping as of December 31, 2018.
Frontline Shipping is a 100% owned subsidiary of Frontline, however the performance under the leases is not guaranteed by Frontline following
the amendments agreed in 2015. There is no requirement for a minimum cash balance in Frontline Shipping, but in exchange for releasing the
guarantee  a  dividend  restriction  was  introduced  on  Frontline  Shipping  whereby  it  can  only  make  distributions  to  its  parent  company  if  it  can
demonstrate it will have minimum free cash of $2.0 million per vessel both prior to and following (i) such distribution and (ii) the payment of the
next hire due and any profit share accrued under the charters. Due to the current depressed tanker market, there is a risk that Frontline Shipping
may  not  have  sufficient  funds  to  pay  the  agreed  charterhires.  However,  the  performance  under  the  fixed  price  agreements  with  Frontline
Management  whereby  we  pay  management  fees  of  $9,000  per  day  for  each  vessel  to  cover  all  operating  costs  including  drydocking  costs,  is
guaranteed by Frontline.

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17.

INVESTMENT IN ASSOCIATED COMPANIES

The Company has, and has had, certain wholly-owned subsidiaries which are accounted for using the equity method, as it has been determined
under ASC 810 that they are variable interest entities in which Ship Finance is not the primary beneficiary.

At December 31, 2018, 2017 and 2016, the Company had the following participation in investments that are recorded using the equity method:

SFL Deepwater Ltd

SFL Hercules Ltd

SFL Linus Ltd

2018 
100.00%  

100.00%  

100.00%  

2017 
100.00%  

100.00%  

100.00%  

2016 
100.00%

100.00%

100.00%

SFL Deepwater Ltd. ("SFL Deepwater"), SFL Hercules Ltd. ("SFL Hercules"), and SFL Linus Ltd. ("SFL Linus") each own drilling units which
have  been  leased  to  subsidiaries  of  Seadrill  Limited  (“Seadrill”),  a  related  party,  as  further  described  below.  In  September  2017,  Seadrill
announced  that  it  has  entered  into  a  restructuring  agreement  (the  “Restructuring  Plan”)  with  more  than  97%  of  its  secured  bank  lenders,
approximately 40% of its bondholders and a consortium of investors led by its largest shareholder, Hemen Holding Limited (“Hemen”), who is
also  the  largest  shareholder  in  the  Company.  The  Company,  SFL  Deepwater,  SFL  Hercules  and  SFL  Linus  have  also  entered  into  the
Restructuring  Plan,  which  has  been  implemented  by  way  of  prearranged  Chapter  11  cases.  As  part  of  the  Restructuring  Plan,  the  financial
covenants on Seadrill have been replaced by financial covenants on a newly established subsidiary of Seadrill, Seadrill Rig Holding Company
Limited  (“RigCo”),  who  also  acts  as  guarantor  for  the  obligations  under  the  leases  for  the  three  drilling  units,  on  a  subordinated  basis  to  the
senior secured lenders in Seadrill and new secured notes.

SFL Deepwater is a 100% owned subsidiary of Ship Finance, incorporated in 2008 for the purpose of holding two ultra deepwater drilling rigs
and leasing those rigs to Seadrill Deepwater Charterer Ltd. and Seadrill Offshore AS, fully guaranteed by their parent company Seadrill. In June
2013, SFL Deepwater transferred one of the rigs and the corresponding lease to SFL Hercules (see below). Accordingly, SFL Deepwater now
holds one ultra deepwater drilling rig which is leased to Seadrill Deepwater Charterer Ltd. In October 2013, SFL Deepwater entered into a $390
million five year term loan and revolving credit facility with a syndicate of banks, which was used in November 2013 to refinance the previous
loan  facility.  In  connection  with  the  Restructuring  Plan,  certain  amendments  were  agreed  with  the  banks  under  the  loan  facility,  including  an
extension of the final maturity date by four years. At December  31,  2018,  the  balance  outstanding  under  the  new  facility  was  $203.7  million
(2017: $225.8 million), and the available amount under the revolving part of the facility was $nil (2017: $nil). The Company guaranteed $84.7
million of this debt at December 31, 2018 (2017: $75.0 million). In addition, the Company has given the banks a first priority pledge over all
shares of SFL Deepwater and assigned all claims under a secured loan made by the Company to SFL Deepwater in favor of the banks. This loan
is secured by a second priority mortgage over the rig which has been assigned to the banks. The rig is chartered on a bareboat basis and the terms
of  the  charter  provide  the  charterer  with  various  call  options  to  acquire  the  rig  at  certain  dates  throughout  the  charter.  In  addition,  there  is  an
obligation  for  the  charterer  to  purchase  the  rig  at  a  fixed  price  at  the  end  of  the  charter,  which  originally  expired  in  November  2023.  In
connection  with  the  Restructuring  Plan,  the  lease  has  been  extended  by  13  months  until  December  2024.  Because  the  main  asset  of  SFL
Deepwater is the subject of a lease which includes both fixed price call options and a fixed price purchase obligation, it has been determined that
this subsidiary of Ship Finance is a variable interest entity in which Ship Finance is not the primary beneficiary.

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SFL Hercules is a 100% owned subsidiary of Ship Finance, incorporated in 2012 for the purpose of holding an ultra deepwater drilling rig and
leasing that rig to Seadrill Offshore AS, fully guaranteed by its parent company Seadrill. The rig was transferred, together with the corresponding
lease,  to  SFL  Hercules  from  SFL  Deepwater  in  June  2013.  In  May  2013,  SFL  Hercules  entered  into  a  $375 million six  year  term  loan  and
revolving credit facility with a syndicate of banks to partly finance its acquisition of the rig from SFL Deepwater. The facility was drawn in June
2013. In connection with the Restructuring Plan, certain amendments were agreed with the banks under the loan facility, including an extension
of the final maturity date by four  years.  At December 31, 2018,  the  balance  outstanding  under  this  facility  was  $210.0 million (2017:  $251.3
million), and the available amount under the revolving part of the facility was $nil (2017: $nil). The Company guaranteed $78.9 million of this
debt at December 31, 2018 (2017: $70.0 million). In addition, the Company has given the banks a first priority pledge over all shares of SFL
Hercules and assigned all claims under a secured loan made by the Company to SFL Hercules in favour of the banks. This loan is secured by a
second priority mortgage over the rig which has been assigned to the banks. The rig is chartered on a bareboat basis and the terms of the charter
provide the charterer with various call options to acquire the rig at certain dates throughout the charter. In addition, there is an obligation for the
charterer  to  purchase  the  rig  at  a  fixed  price  at  the  end  of  the  charter,  which  originally  expired  in  November  2023.  In  connection  with  the
Restructuring Plan, the lease has been extended by 13 months until December 2024. Because the main asset of SFL Hercules is the subject of a
lease which includes both fixed price call options and a fixed price purchase obligation at the end of the charter, it has been determined that this
subsidiary of Ship Finance is a variable interest entity in which Ship Finance is not the primary beneficiary.

SFL Linus is a 100% owned subsidiary of Ship Finance, acquired in 2013 from North Atlantic Drilling Ltd ("NADL"), a related party. SFL Linus
holds a harsh environment jack-up drilling rig which was delivered from the shipyard in February 2014 and immediately leased to North Atlantic
Linus Charterer Ltd., fully guaranteed by its parent company NADL. In October 2013, SFL Linus entered into a $475 million five year term loan
and revolving credit facility with a syndicate of banks to partly finance the acquisition of the rig. The facility was drawn in February 2014. In
connection with the Restructuring Plan, certain amendments were agreed with the banks under the loan facility, including an extension of the
final maturity date by four years. At December 31, 2018, the balance outstanding under this facility was $241.5 million (2017: $308.8 million)
and, the available amount under the revolving part of the facility was $nil (2017: $nil). The Company guaranteed $102.5 million of this debt at
December 31, 2018 (2017: $90.0 million). In addition, the Company has given the banks a first priority pledge over all shares of SFL Linus and
assigned all claims under a secured loan made by the Company to SFL Linus in favour of the banks. This loan is secured by a second priority
mortgage over the rig which has been assigned to the banks. In February 2015, amendments were made to the lease, whereby Seadrill replaced
NADL as lease guarantor. The rig is chartered on a bareboat basis and the terms of the charter provide the charterer with various call options to
acquire the rig at certain dates throughout the charter. In addition, the charter includes a fixed price put option at the expiry of the charter in 2029.
Because the main asset of SFL Linus is the subject of a lease which includes both fixed price call options and a fixed price put option, it has been
determined that this subsidiary of Ship Finance is a variable interest entity in which Ship Finance is not the primary beneficiary.

Summarized balance sheet information of the Company's equity method investees is as follows:

(in thousands of $)

Current assets

Non-current assets

Total assets

Current liabilities

Non-current liabilities (1)

Total liabilities

Total shareholders' equity (2)

TOTAL 
58,089 
967,954 
1,026,043 
69,181 
931,755 
1,000,936 
25,107 

As of December 31, 2018

SFL Deepwater   
19,558   
302,362   
321,920   
18,252   
297,060   
315,312   
6,608   

SFL Hercules   
16,858   
290,370   
307,228   
19,487   
281,627   
301,114   
6,114   

SFL Linus 
21,673 
375,222 
396,895 
31,442 
353,068 
384,510 
12,385 

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(in thousands of $)

Current assets

Non-current assets

Total assets

Current liabilities

Non-current liabilities (1)

Total liabilities

Total shareholders' equity (2)

TOTAL 
97,723 
1,020,067 
1,117,790 
106,628 
1,000,484 
1,107,112 
10,678 

As of December 31, 2017

SFL Deepwater   
26,242   
317,450   
343,692   
25,642   
315,415   
341,057   
2,635   

SFL Hercules   
29,152   
305,852   
335,004   
29,443   
302,819   
332,262   
2,742   

     SFL Linus 
42,329 
396,765 
439,094 
51,543 
382,250 
433,793 
5,301 

(1) SFL Deepwater, SFL Hercules and SFL Linus non-current liabilities at December 31, 2018, include $109.0 million (2017: $113.0 million),
$80.0 million (2017: $80.0 million) and $121.0 million (2017: $121.0 million) due to Ship Finance, respectively (see Note 24: Related party
transactions). In addition, SFL Hercules and SFL Linus current liabilities at December 31, 2018, include a further $10.1 million and $21.7
million due to Ship Finance. SFL Deepwater balance was $nil (2017: $0.1 million, $3.6 million and $0.2 million) due to Ship Finance (see
Note 24: Related party transactions).

(2) In the year ended December 31, 2018, SFL Deepwater, SFL Hercules and SFL Linus did not pay any dividends (2017: $3.4 million; 2016:

$46.3 million), (2017: $3.8 million; 2016: $25.1 million), (2017: $7.3 million; 2016: $42.1 million), respectively.

Summarized statement of operations information of the Company's wholly-owned equity method investees is shown below. 

(in thousands of $)

Operating revenues

Net operating revenues

Net income (3)

(in thousands of $)

Operating revenues

Net operating revenues

Net income (3)

(in thousands of $)

Operating revenues

Net operating revenues

Net income (3)

Year ended December 31, 2018

TOTAL 
64,572 
64,410 
14,635 

  SFL Deepwater   
19,594   
19,540   
3,973   

SFL Hercules   
19,126   
19,049   
3,372   

     SFL Linus   
25,852   
25,821   
7,290   

Year ended December 31, 2017

TOTAL 
73,487 
73,487 
23,766 

  SFL Deepwater   
20,873   
20,873   
5,981   

SFL Hercules   
21,827   
21,827   
6,462   

     SFL Linus   
30,787   
30,787   
11,323   

Year ended December 31, 2016

TOTAL 
80,269 
80,269 
27,765 

  SFL Deepwater   
22,088   
22,088   
6,778   

SFL Hercules   
23,292   
23,292   
6,424   

     SFL Linus   
34,889   
34,889   
14,563   

(3) The net income of SFL Deepwater, SFL Hercules and SFL Linus for the year ended December 31, 2018, includes interest payable to Ship
Finance amounting to $5.1 million (2017: $5.4 million; 2016: $6.5 million), $3.6 million (2017: $4.3 million; 2016: $6.5 million), and $5.4
million (2017: $5.5 million; 2016: $5.6 million), respectively (see Note 24: Related party transactions).

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SFL Deepwater, SFL Hercules and SFL Linus have loan facilities for which Ship Finance provides limited guarantees, as indicated above. These
loan facilities contain financial covenants, with which Ship Finance and Seadrill must comply. As part of the Restructuring Plan, the financial
covenants  on  Seadrill  were  replaced  by  financial  covenants  on  a  newly  established  subsidiary  of  Seadrill,  who  also  acts  as  guarantor  for  the
obligations under the leases for the three drilling units, on a subordinated basis to the senior secured lenders in Seadrill and new secured notes.
As  at  December  31,  2018,  Ship  Finance  and  Seadrill  were  in  compliance  with  all  of  the  applicable  covenants  under  these  long-term  debt
facilities.

18.

ACCRUED EXPENSES

(in thousands of $)

Vessel operating expenses

Administrative expenses

Interest expense

19.

OTHER CURRENT LIABILITIES

(in thousands of $)

Deferred and prepaid charter revenue

Employee taxes

Other items

20.

SHORT-TERM AND LONG-TERM DEBT

(in thousands of $)

Long-term debt:

3.25% senior unsecured convertible bonds due 2018

Norwegian kroner 900 million senior unsecured floating rate bonds due 2019

Norwegian kroner 500 million senior unsecured floating rate bonds due 2020

5.75% senior unsecured convertible bonds due 2021

Norwegian kroner 600 million senior unsecured floating rate bonds due 2023

4.875% senior unsecured convertible bonds due 2023

U.S. dollar denominated floating rate debt due through 2025

Total debt principal

Less: unamortized debt issuance costs

Less: current portion of long-term debt

Total long-term debt

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2018   
5,395   
628   
6,487   
12,510   

2018   
7,562   
195   
575   
8,332   

2017 
6,111 
552 
6,688 
13,351 

2017 
3,936 
18 
1,739 
5,693 

2018   

2017 

—   
77,722   
57,829   
212,230   
69,395   
151,700   
891,471   
1,460,347   
(23,267)  

(267,149)  

1,169,931   

63,218 
92,477 
61,001 
225,000 
— 
— 
1,081,204 
1,522,900 
(18,893)

(313,823)

1,190,184 

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The outstanding debt as of December 31, 2018, is repayable as follows:

Year ending December 31,

(in thousands of $)

2019

2020

2021

2022

2023

Thereafter

Total debt principal

267,149 
196,093 
463,516 
199,466 
321,830 
12,293 
1,460,347 

The  weighted  average  interest  rate  for  consolidated  floating  rate  debt  denominated  in  U.S.  dollars  and  Norwegian  kroner  ("NOK")  as  at
December 31, 2018, was 4.22% per annum including margin (2017: 4.26%). This rate takes into consideration the effect of related interest rate
swaps. At December 31, 2018, the three month US Dollar London Interbank Offered Rate ("LIBOR") was 2.808% (2017: 1.694%) and the three
month Norwegian Interbank Offered Rate ("NIBOR") was 1.27% (2017: 0.81%).

3.25% senior unsecured convertible bonds due 2018

On January 30, 2013,  the  Company  issued  a  senior  unsecured  convertible  bond  loan  totaling  $350.0 million.  Interest  on  the  bonds  is  fixed  at
3.25% per annum and is payable in cash quarterly in arrears on February 1, May 1, August 1 and November 1. The bonds are convertible into
Ship Finance International Limited common shares at any time up to 10 banking days prior to February 1, 2018. Subject to adjustment for any
dividend payments in the future, the conversion price at the time of issue was $21.945 per share which represented a premium of approximately
33% to the share price at the time.

In October 2017, the Company entered into separate privately negotiated transactions with certain holders of the bonds and converted principal
amounts totaling $121.0 million of the outstanding bonds into 9,418,798 common shares. The Company had previously purchased and canceled
bonds with principal amounts totaling $165.8 million in October 2016. The net amount outstanding at December 31, 2018, was $nil (2017: $63.2
million). No gain or loss was recorded in the year ended December 31, 2018 in respect of the equity conversions (2017: a loss of $1.5 million
was recorded in the year ended December 31, 2017 on the purchase and cancellation of bonds; 2016: $8.8 million).

In conjunction with the bond issue, the Company loaned up to 6,060,606 of its common shares to an affiliate of one of the underwriters of the
issue, in order to assist investors in the bonds to hedge their position. The shares that were lent by the Company were borrowed from Hemen, the
largest shareholder of the Company, for a one-time loan fee of $1.0 million.

In February 2018, the Company redeemed the full outstanding amount of $63.2 million. This was fully paid in cash, and the premium settled in
common shares with the issuance of 651,365 new shares.

As required by ASC 470-20 "Debt with conversion and Other Options", the Company calculated the equity component of the convertible bond,
taking into account both the fair value of the conversion option and the fair value of the share lending arrangement. The equity component was
valued  at  $20.7 million  in  2013  and  this  amount  was  recorded  as  "Additional  paid-in  capital",  with  a  corresponding  adjustment  to  "Deferred
charges", which are amortized to "Interest expense" over the appropriate period. The amortization of this item amounted to $0.1 million in the
year ended December  31,  2018 (2017: $1.8 million).  The  equity  component  of  the  converted  bonds  in  2018  was  valued  at  $nil (2017:  $16.4
million for the purchased and canceled bonds) and this amount has been deducted from "Additional paid-in capital".

NOK900 million senior unsecured bonds due 2019

On March 19, 2014, the Company issued a senior unsecured bond loan totaling NOK900.0 million in the Norwegian credit market. The bonds
bear quarterly interest at NIBOR plus a margin and are redeemable in full on March 19, 2019. The bonds may, in their entirety, be redeemed at
the Company's option from September 19, 2018, upon giving the bondholders at least 30 business days notice and paying 100.50% of par value
plus  accrued  interest.  Subsequent  to  their  issue,  at  December  31,  2018,  the  Company  has  purchased  bonds  with  principal  amounts  totaling
NOK228.0 million (2017: NOK142.0 million), which are being held as treasury bonds. The net amount outstanding at December 31, 2018, was
NOK672.0 million, equivalent to $77.7 million (2017: NOK758.0 million, equivalent to $92.5 million).

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NOK500 million senior unsecured bonds due 2020

On June 22, 2017, the Company issued a senior unsecured bond loan totaling NOK500.0 million in the Norwegian credit market. The bonds bear
quarterly interest at NIBOR plus a margin and are redeemable in full on June 22, 2020. The net amount outstanding at December 31, 2018, was
NOK500.0 million, equivalent to $57.8 million (2017: NOK500.0 million, equivalent to $61.0 million).

5.75% senior unsecured convertible bonds due 2021

On October  5,  2016,  the  Company  issued  a  senior  unsecured  convertible  bond  loan  totaling  $225.0 million.  Interest  on  the  bonds  is  fixed  at
5.75% per annum and is payable in cash quarterly in arrears on January 15, April 15, July 15 and October 15. The bonds are convertible into
Ship Finance International Limited common shares and mature on October 15, 2021.  The  net  amount  outstanding  at  December  31,  2018 was
$212.2  million  (2017:  $225.0  million).  The  initial  conversion  rate  at  the  time  of  issuance  was  56.2596  common  shares  per  $1,000  bond,
equivalent to a conversion price of approximately $17.7747 per share. The conversion rate will be adjusted for dividends in excess of $0.225 per
common share per quarter. Since the issuance, dividend distributions have increased the conversion rate to 62.9233 common shares per $1,000
bond,  equivalent  to  a  conversion  price  of  approximately  $15.8924  per  share.  Based  on  the  closing  price  of  our  common  stock  of  $10.53  on
December 31, 2018, the if-converted value was less than the principal amounts by $77.5 million. In December 2018,  the  Company  purchased
bonds with principal amounts totaling $12.8 million (2017: $nil) resulting in a gain of $0.9 million being recorded (2017: $nil; 2016: $nil).

In conjunction with the bond issue, the Company loaned up to 8,000,000 of its common shares to an affiliate of one of the underwriters of the
issue, in order to assist investors in the bonds to hedge their position. The shares that were lent by the Company were initially borrowed from
Hemen, the largest shareholder of the Company, for a one-time loan fee of $120,000. In November 2016, the Company issued 8,000,000 new
shares, to replace the shares borrowed from Hemen and received $80,000 from Hemen upon the return of the borrowed shares.

As required by ASC 470-20 "Debt with conversion and Other Options", the Company calculated the equity component of the convertible bond,
taking into account both the fair value of the conversion option and the fair value of the share lending arrangement. The equity component was
valued  at  $4.6 million  in  2016  and  this  amount  was  recorded  as  "Additional  paid-in  capital",  with  a  corresponding  adjustment  to  "Deferred
charges", which are amortized to "Interest expense" over the appropriate period. The equity component was valued at $4.1 million in 2018. The
amortization of this item amounted to $0.9 million in the year ended December 31, 2018 (2017: $0.9 million).  As  a  result  of  the  purchase  of
bonds with principal amounts totaling $12.8 million (2017: $nil), a total of $0.5 million (2017: $nil)  was  allocated  as  the  reacquisition  of  the
equity component.

NOK600 million senior unsecured bonds due 2023
On September 13, 2018 the Company issued a senior unsecured bond totaling NOK600 million in the Norwegian credit market. The bonds bear
quarterly interest at NIBOR plus a margin and are redeemable in full on September 13, 2023. The net amount outstanding at December 31, 2018,
was NOK600 million, equivalent to $69.4 million (2017: NOKnil, equivalent to $nil).

4.875% senior unsecured convertible bonds due 2023
On April 23, 2018, the Company issued a senior unsecured convertible bond totaling $150.0 million. Additional bonds were issued on May 4,
2018 at a principal amount of $14.0 million. Interest on the bonds is fixed at 4.875% per annum and is payable in cash quarterly in arrears on
February 1, May 1, August 1 and November 1. The bonds are convertible into Ship Finance International Limited common shares and mature on
May 1, 2023. The net amount outstanding at December 31, 2018 was $151.7 million (December 31, 2017: $nil). The initial conversion rate at the
time of issuance was 52.8157 common shares per $1,000 bond, equivalent to a conversion price of approximately $18.93 per share. Since the
issuance, dividend distributions have increased the conversion rate to 58.7171 common shares per $1,000 bond, equivalent to a conversion price
of approximately $17.03 per share. Based on the closing price of our common stock of $10.53 on December 31, 2018, the if-converted value was
less  than  the  principal  amounts  by  $65.5  million.  In  December  2018,  the  Company  purchased  bonds  with  principal  amounts  totaling  $12.3
million (2017: $nil). A gain of $0.4 million was recorded on the transaction (2017: $nil; 2016: $nil).

In conjunction with the bond issue, the Company agreed to loan up to 7,000,000 of its common shares to affiliates of the underwriters of the
issue, in order to assist investors in the bonds to hedge their position. As at December 31, 2018, a total of 3,765,842 shares were issued from up
to 7,000,000 shares issuable under a share lending arrangement.

As required by ASC 470-20 "Debt with conversion and Other Options", the Company calculated the equity component of the convertible bond,
taking into account both the fair value of the conversion option and the fair value of the share lending arrangement. The equity component was
valued at $7.9 million at issue date and this amount was recorded as "Additional paid-in capital", with a corresponding adjustment to "Deferred
charges", which are amortized to "Interest expense" over the appropriate period. The

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amortization of this item amounted to $1.0 million in the year ended December 31, 2018 (2017: $nil). As a result of the purchase of bonds with
principal  amounts  totaling  $12.3  million  (2017:  $nil),  a  total  of  $0.6  million  (2017:  $nil)  was  allocated  as  the  reacquisition  of  the  equity
component.

$50 million secured term credit facility

In June 2018, 15 wholly-owned subsidiaries of the Company entered into a $50.0 million secured term loan facility with a bank, secured against
15 feeder size container vessels. The 15 vessels were delivered in April 2018. The Company has provided a corporate guarantee for this facility,
which  bears  interest  at  LIBOR  plus  a  margin  and  has  a  term  of  seven  years.  The  net  amount  outstanding  at  December  31,  2018,  was  $46.9
million (2017: $nil).

$17.5 million secured term loan facility due 2023

In December 2018, two wholly-owned subsidiaries of the Company entered into a $17.5 million secured term loan facility with a bank, secured
against two Supramax dry bulk carriers. The Company has provided a limited corporate guarantee for this facility, which bears interest at LIBOR
plus a margin and has a term of approximately five years. The net amount outstanding at December 31, 2018, was $17.5 million (2017: $nil ).

$43 million secured term loan facility

In  February  2010,  a  wholly-owned  subsidiary  of  the  Company  entered  into  a  $42.6  million  secured  term  loan  facility  with  a  bank,  bearing
interest at LIBOR plus a margin and with a term of approximately five years. The facility is secured against a Suezmax tanker. In November
2014,  the  terms  of  the  loan  were  amended  and  restated,  and  the  facility  now  matures  in  November  2019.  The  net  amount  outstanding  at
December 31, 2018, was $17.8 million (2017: $20.6 million).

$43 million secured term loan facility 

In March 2010, a wholly-owned subsidiary of the Company entered into a $42.6 million secured term loan facility with a bank, bearing interest
at LIBOR plus a margin and with a term of approximately five years. The facility is secured against a Suezmax tanker. In March 2015, the terms
of the loan were amended and restated, and the facility now matures in March 2020. The net amount outstanding at December 31, 2018,  was
$17.8 million (2017: $20.6 million).

$54 million secured term loan facility 

In November 2010, two wholly-owned subsidiaries of the Company entered into a $53.7 million secured term loan facility with a bank, secured
against two Supramax dry bulk carriers. The Company has provided a limited corporate guarantee for this facility, which bears interest at LIBOR
plus  a  margin  and  had  a  term  of  approximately  eight  years.  This  was  fully  repaid  in  December  2018.  The  net  amount  outstanding  at
December 31, 2018, was $nil (2017: $26.3 million).

$75 million secured term loan facility

In March 2011, three wholly-owned subsidiaries of the Company entered into a $75.4 million  secured  term  loan  facility  with  a  bank,  secured
against three  Supramax  dry  bulk  carriers.  The  Company  has  provided  a  limited  corporate  guarantee  for  this  facility,  which  bears  interest  at
LIBOR plus a margin and has a term of approximately eight years. The net amount outstanding at December 31, 2018, was $32.7 million (2017:
$39.0 million).

$171 million secured term loan facility 

In May 2011, eight wholly-owned subsidiaries of the Company entered into a $171.0 million secured loan facility with a syndicate of banks. The
facility is supported by China Export & Credit Insurance Corporation, or SINOSURE, which provides an insurance policy in favor of the banks
for part of the outstanding loan. The facility is secured against a 1,700 TEU container vessel and seven Handysize dry bulk carriers. The facility
bears interest at LIBOR plus a margin and has a term of approximately ten years from delivery of each vessel. The net amount outstanding at
December 31, 2018, was $73.7 million (2017: $98.0 million).

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$45 million secured term loan and revolving credit facility

In June 2014, seven wholly-owned subsidiaries of the Company entered into a $45.0 million secured term loan and revolving credit facility with
a bank, secured against seven 4,100 TEU container vessels. The facility bears interest at LIBOR plus a margin and has a term of five years. At
December 31, 2018, the available amount under the revolving part of the facility was $nil (2017: $9.0 million). The net amount outstanding at
December 31, 2018, was $45.0 million (2017: $36.0 million).

$101 million secured term loan facility

In  August  2014, six  wholly-owned  subsidiaries  of  the  Company  entered  into  a  $101.4 million  secured  term  loan  facility  with  a  syndicate  of
banks, secured against six offshore support vessels. One of the vessels was sold in February 2016 and the facility now relates to the remaining
five vessels. The Company has provided a limited corporate guarantee for this facility, which bears interest at LIBOR plus a margin and has a
term of five  years.  In  October  2017,  certain  amendments  were  made  to  the  agreement,  including  an  extension  of  the  final  maturity  date  until
January 2023. The net amount outstanding at December 31, 2018, was $44.1 million (2017: $44.1 million).

$20 million secured term loan facility

In September 2014, two wholly-owned subsidiaries of the Company entered into a $20.0 million secured term loan facility with a bank, secured
against two  5,800  TEU  container  vessels.  The  facility  bears  interest  at  LIBOR  plus  a  margin  and  has  a  term  of  five  years.  The  net  amount
outstanding at December 31, 2018, was $20.0 million (2017: $20.0 million).

$128 million secured term loan facility

In September 2014, two wholly-owned subsidiaries of the Company entered into a $127.5 million secured term loan facility with a bank, secured
against two  8,700  TEU  container  vessels,  which  were  delivered  in  2014.  The  Company  has  provided  a  limited  corporate  guarantee  for  this
facility, which bears interest at LIBOR plus a margin and has a term of seven years. The net amount outstanding at December 31, 2018,  was
$92.4 million (2017: $100.9 million).

$128 million secured term loan facility

In November 2014, two wholly-owned subsidiaries of the Company entered into a $127.5 million secured term loan facility with a bank, secured
against two  8,700  TEU  container  vessels,  which  were  delivered  in  2015.  The  Company  has  provided  a  limited  corporate  guarantee  for  this
facility, which bears interest at LIBOR plus a margin and has a term of seven years. The net amount outstanding at December 31, 2018 was $95.6
million (2017: $104.1 million).

$39 million secured term loan facility

In December 2014, two wholly-owned subsidiaries of the Company entered into a $39.0 million secured term loan facility with a bank, secured
against two  Kamsarmax  dry  bulk  carriers.  The  Company  has  provided  a  limited  corporate  guarantee  for  this  facility,  which  bears  interest  at
LIBOR plus a margin and has a term of approximately eight years. The net amount outstanding at December 31, 2018, was $26.7 million (2017:
$29.1 million).

$250 million secured revolving credit facility

In June 2015, 17 wholly-owned subsidiaries of the Company entered into a $250.0 million secured revolving credit facility with a syndicate of
banks,  secured  against 17  tankers  chartered  to  Frontline  Shipping.  Eight  of  the  tankers  were  sold  and  delivered  to  their  new  owners  prior  to
December 31, 2017, and the facility was secured against the remaining nine tankers at December 31, 2017. The facility bore interest at LIBOR
plus a margin and had a term of three years before repayment in December 2018. At December 31, 2018, the available amount under the facility
was $nil (2017: $nil). The net amount outstanding at December 31, 2018, was $nil (2017: $149.0 million).

$166 million secured term loan facility

In July 2015, eight wholly-owned subsidiaries of the Company entered into a $166.4 million secured term loan facility with a syndicate of banks,
secured against eight Capesize dry bulk carriers. The Company has provided a limited corporate guarantee for this facility, which bears interest at
LIBOR  plus  a  margin  and  has  a  term  of  seven  years.  The  net  amount  outstanding  at  December  31,  2018  was  $117.9  million  (2017:  $131.7
million).

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$210 million secured term loan facility

In November 2015, three wholly-owned subsidiaries of the Company entered into a $210.0 million secured term loan facility with a syndicate of
banks, to partly finance the acquisition of three container vessels, against which the facility is secured. One of the vessels was delivered in 2015,
and the remaining two vessels were delivered in 2016. The Company has provided a limited corporate guarantee for this facility, which bears
interest at LIBOR plus a margin and has a term of five years from the delivery of each vessel. At December 31, 2018, the net amount outstanding
was $173.9 million (2017: $187.0 million).

$76 million secured term loan facility

In  August  2017, two  wholly-owned  subsidiaries  of  the  Company  entered  into  a $76.0 million  secured  term  loan  facility  with  a  bank,  secured
against two product tanker vessels. The two vessels were delivered in August 2017. The Company has provided a limited corporate guarantee for
this facility, which bears interest at LIBOR plus a margin and has a term of seven years. At December 31, 2018, the net amount outstanding was
$69.5 million (2017: $74.7 million).

The aggregate book value of assets pledged as security against borrowings at December 31, 2018, was $1,527 million (2017: $1,908 million). 

Agreements related to long-term debt provide limitations on the amount of total borrowings and secured debt, and acceleration of payment under
certain circumstances, including failure to satisfy certain financial covenants. As of December 31, 2018, the Company is in compliance with all
of  the  covenants  under  its  long-term  debt  facilities.  In  addition,  the  $101.4  million  secured  term  loan  facility  entered  into  in  August  2014
contains  certain  financial  covenants  on  Solship.  As  at  December  31,  2018,  Solship  was  in  compliance  with  all  covenants  under  the  loan
agreement.

21.

CAPITAL LEASE OBLIGATIONS AND OTHER LONG-TERM LIABILITIES

(in thousands of $)

Unamortized sellers' credit

Other items

2018   
3,282   
4   
3,286   

2017 
3,958 
4 
3,962 

The unamortized seller's credit is in respect of the five offshore support vessels on long-term bareboat charters to the Solstad Charterer, a wholly
owned  subsidiary  of  Deep  Sea  Supply  AS,  which  in  turn  is  a  wholly  owned  subsidiary  of  Solship  (formerly  Deep  Sea).  Solship  is  a  wholly
owned subsidiary of Solstad Offshore ASA. Between 2007 and 2008, the Company acquired seven offshore support vessels from subsidiaries of
then  Deep  Sea,  which  were  chartered  back  to  the  subsidiaries  under  bareboat  charter  agreements.  As  part  of  the  purchase  consideration,  the
Company  received  seller's  credits  totaling  $39.5  million  which  are  being  recognized  as  additional  bareboat  revenues  over  the  period  of  the
charters. One of the vessels was sold in January 2008 and the other vessel was sold in February 2016.

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(in thousands of $)

Current portion of obligations under capital leases

Obligations under capital leases - long-term portion

2018 
67,793 
1,104,258 
1,172,051 

2017 
9,031 
230,576 
239,607 

In October 2015, the Company entered into agreements to charter in two 19,200 TEU newbuildings container vessels on a bareboat basis, each
for a period of 15 years from delivery by the shipyard, and to charter out each vessel for the same 15-year period on a bareboat basis to MSC, an
unrelated party. The first vessel was delivered in December 2016 and the second vessel was delivered in March 2017. Both vessels are accounted
for as direct financing lease assets.

In December 2018, the Company entered into agreements to charter in a further two 19,400 TEU container vessels on a bareboat basis, each for a
period of 15 years, and to charter out each vessel for the same 15-year period on a bareboat basis to MSC, an unrelated party. The vessels were
delivered in December 2018 and both are accounted for as direct financing lease assets.

In  the  second,  third  and  fourth  quarter  of  2018,  the  Company  acquired  four  13,800  TEU  container  vessels  and  three  10,600  TEU  container
vessels,  which  were  subsequently  refinanced  with  an  Asian  based  financial  institution  by  entering  into  separate  sale  and  leaseback  financing
arrangements. The vessels are leased back for terms ranging from six to 11 years, with options to purchase the vessel after six years. Due to the
terms  of  the  sale  and  leaseback  arrangements,  each  option  is  expected  to  be  exercised  on  the  sixth  anniversary.  These  sale  and  leaseback
transactions were accounted for as capital leases (Refer Note 14: Vessels under capital lease, net).

The Company's future minimum lease obligations under the non-cancellable capital leases are as follows:

Year ending December 31,

2019

2020

2021

2022

2023

Thereafter

Total lease obligations

Less: imputed interest payable

Present value of obligations under capital leases

Less: current portion

Obligations under capital leases - long-term portion

Interest incurred on capital leases was $21.8 million (2017: $16.0 million; 2016: $0.2 million).

22.

SHARE CAPITAL, ADDITIONAL PAID-IN CAPITAL AND CONTRIBUTED SURPLUS

Authorized share capital is as follows: 

(in thousands of $, except share data)

200,000,000 common shares of $0.01 par value each (2017: 150,000,000 common shares of $0.01 par
value each)

Issued and fully paid share capital is as follows:

(in thousands of $, except share data)

119,373,064 common shares of $0.01 par value each (2017: 110,930,873 common shares of $0.01 par
value each)

The Company's common shares are listed on the New York Stock Exchange.

F-39

(in thousands of $) 
130,169 
126,868 
126,726 
126,726 
126,726 
976,801 
1,614,016 
(441,965)

1,172,051 
(67,793)

1,104,258 

2018   

2,000   

2018   

1,194   

2017 

1,500 

2017 

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During the year ended December 31, 2018, the Company issued a total of no new shares of $0.01 each following the exercise of share options
(2017: 7,500 new shares of $0.01 issued to satisfy options exercised). The weighted average exercise price of the options exercised in 2017 was
$11.78  per  share  resulting  in  a  premium  on  issue  of  $0.1  million.  In  November  2016,  the  Board  of  Directors  renewed  the  Ship  Finance
International  Limited  Share  Option  Scheme  (the  "Option  Scheme"),  originally  approved  in  November  2006.  The  Option  Scheme  permits  the
Board of Directors, at its discretion, to grant options to employees, officers and directors of the Company or its subsidiaries. The fair value cost
of options granted is recognized in the statement of operations, and the corresponding amount is credited to additional paid in capital (see also
Note 23: Share option plan).

At the Annual General Meeting of the Company in September 2018, a resolution was passed to approve an increase of the Company’s authorized
share capital from $1,500,000 divided into 150,000,000 common shares of $0.01 par value each to $2,000,000 divided into 200,000,000 common
shares of $0.01 par value each by the authorization of an additional 50,000,000 common shares of $0.01 par value each.

In  May  2018,  the  Company  issued  a  total  of  4,024,984  new  shares  as  part  of  the  consideration  paid  for  the  acquisition  of  four  2014  built
container vessels, each with 13,800 TEU carrying capacity. The vessels are employed under long-term time-charters to an unrelated third party
(see Note 13: Vessels and equipment, net).

In April 2018, the Company issued a total of 3,765,842 new shares of par value $0.01 each from up to 7,000,000 issuable under a share lending
arrangement in relation with the Company's issuance of 4.875% senior unsecured convertible bonds in April and May 2018. The shares issued
have been loaned to affiliates of the underwriters of the bond issue in order to assist investors in the bonds to hedge their position. The bonds are
convertible  into  common  shares  and  mature  on  May  1,  2023.  As  required  by  ASC  470-20  "Debt  with  conversion  and  Other  Options",  the
Company calculated the equity component of the convertible bond, which was valued at $7.9 million at issue date and recorded as "Additional
paid-in capital" (see Note 20: Short-term and long-term debt). In December 2018, the Company purchased bonds with principal amounts totaling
$12.3 million (2017: $nil). The equity component of these extinguished bonds was valued at $0.6 million (2017: $nil)  and  has  been  deducted
from "Additional paid-in capital".

In  February  2018,  the  Company  redeemed  the  full  outstanding  amount  under  the  3.25%  senior  unsecured  convertible  bonds  due  2018.  The
remaining outstanding principal amount of $63.2 million was paid in cash, and the premium settled in common shares with the issue of 651,365
new shares (see Note 20: Short-term and long-term debt).

In October 2017, the Company issued a total of 9,418,798 new shares following separate privately negotiated transactions with certain holders of
the 3.25% senior unsecured convertible bonds due 2018 for the conversion of a principal amount of $121.0 million from the outstanding balance
of the convertible bonds. In January 2013, the Company issued a senior unsecured convertible bond loan totaling $350 million. The bonds are
convertible  into  common  shares  at  any  time  up  to  ten  banking  days  prior  to  February 1, 2018.  The  conversion  price  at  the  time  of  issue  was
$21.945 per share, representing a premium of approximately 33% to the share price at the time.

As required by ASC 470-20 "Debt with Conversion and Other Options", the Company calculated the equity component of the convertible bond,
which  was  valued  at  $20.7 million  and  recorded  as  "Additional  paid-in  capital"  (see  Note  20:  Short-term  and  long-term  debt).  Previously  in
October  2016,  the  Company  purchased  and  canceled  bonds  with  principal  amounts  totaling  $165.8  million.  The  equity  component  of  the
converted bonds in 2018 was valued at $nil (2017: $16.4 million for the purchased and canceled bonds) and this amount has been deducted from
"Additional paid-in capital".

In  November  2016,  in  relation  with  the  Company's  issue  in  October  2016  of  senior  unsecured  convertible  bonds  totaling  $225  million,  the
Company issued 8,000,000 new shares of par value $0.01 each. The shares were issued at par value and have been loaned to an affiliate of one of
the underwriters of the bond issue, in order to assist investors in the bonds to hedge their position. The bonds are convertible into common shares
and mature on October 15, 2021. The initial conversion rate at the time of issuance was 56.2596 common shares per $1,000 bond, equivalent to a
conversion  price  of  approximately  $17.7747  per  share  to  the  share  price  at  the  time.  Since  then,  dividend  distributions  have  increased  the
conversion  rate  to  62.9233,  equivalent  to  a  conversion  price  of  approximately  $15.8924  per  share.  As  required  by  ASC  470-20  "Debt  with
conversion and Other Options", the Company calculated the equity component of the convertible bond, which was valued at $4.1 million and
recorded as "Additional paid-in capital" (see Note 20: Short-term and long-term debt). In December 2018, the Company purchased bonds with
principal amounts totaling $12.8 million (2017: $nil). The equity component of these extinguished bonds was valued at $0.5 million (2017: $nil)
and has been deducted from "Additional paid-in capital".

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A reorganization of share capital was approved at the Annual General Meeting of the Company held in September 2016, in accordance with the
Bermuda Companies Act. Following the reorganization, the Company's authorized share capital was adjusted to 150,000,000 shares of par value
$0.01 each, prior to which it had been 125,000,000 shares of par value $1.00 each. As there were 93,504,575 shares issued and fully paid at the
time of the reorganization, to reflect the decrease in the par value of each share from $1.00 to $0.01, $92.6 million was transferred from share
capital to contributed surplus. The shares of par value $0.01 each rank pari passu in all respects with each other.

23.

SHARE OPTION PLAN

In November 2006, the Board of Directors approved the Ship Finance International Limited Share Option Scheme (the "Option Scheme"). The
Option  Scheme  will  expire  in  November  2026,  following  the  renewal  in  November  2016.  The  terms  and  conditions  remain  unchanged  from
those  originally  adopted  in  November  2006  and  permits  the  Board  of  Directors,  at  its  discretion,  to  grant  options  to  employees,  officers  and
directors  of  the  Company  or  its  subsidiaries.  The  fair  value  cost  of  options  granted  is  recognized  in  the  statement  of  operations,  and  the
corresponding amount is credited to additional paid-in capital. As of December 31, 2018
additional paid-in capital was credited with $0.5 million relating to the fair value of options granted in March 2016, September 2017 and April
2018.

As of December 31, 2018 no options were exercised under the Option Scheme.

During the year ended December 31, 2018, the Company awarded a total of 83,000 options to officers and employees, pursuant to the Company's
Share Option Scheme. The options have a five year term and a three year vesting period and the first options will be exercisable from April 2019
onwards. The initial strike price was $14.67 per share.

The following summarizes share option transactions related to the Option Scheme in 2018, 2017 and 2016: 

Options outstanding at beginning of year

Granted

Exercised

Forfeited

Options outstanding at end of year

2018

2017

2016

Weighted
average
exercise
price $   
12.20   
14.67   
—   
10.03   
11.43   

Weighted
average
exercise
price $   
13.03   
14.30   
11.78   
11.78   
12.20   

Options   
279,000   
113,000   
(7,500)  

(15,000)  

369,500   

Weighted
average
exercise
price $ 
12.56 
14.38 
12.11 
— 
13.03 

Options   
125,000   
279,000   
(125,000)  
—   
279,000   

Options 
369,500 
83,000 
— 

(35,000)  

417,500 

Exercisable at end of year

111,500 

10.03   

85,500   

11.43   

—   

— 

The exercise price of each option is progressively reduced by the amount of any dividends declared. The above figures show the average of the
reduced exercise prices at the beginning and end of the year for options then outstanding. For options granted, exercised or forfeited during the
year, the above figures show the average of the exercise prices at the time the options were granted, exercised or forfeited, as appropriate.

The fair values of options granted are estimated on the date of the grant, using the Black-Scholes-Merton option valuation model. The fair values
are then expensed over the periods in which the options vest. The weighted average fair value of options granted in 2018 was $3.49 per share as
at grant date (2017: $3.77; 2016: $3.06). The weighted average assumptions used to calculate the fair values of the new options granted in 2018
were (a) risk free interest rate of 2.63% (2017: 1.58%; 2016: 1.08%); (b) expected share price volatility of 29.5% (2017: 33.0%; 2016: 31.3%);
(c) expected dividend yield of 0% (2017: 0%; 2016: 0%) and (d) expected life of options 3.5 years (2017: 3.5 years; 2016: 3.5 years).

The total intrinsic value of options exercised in 2018 was $nil on the day of exercise (2017: $0.02 million; 2016: $0.3 million). The total amount
of cash received from options exercised in 2018 was $nil (2017: $0.1 million; 2016: $0.1 million).

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As of December 31, 2018, there are 111,500 options fully vested but not exercised (2017: 85,500 options; 2016: nil options) and their intrinsic
value amounted to $nil (2017: $0.3 million; 2016: $nil). The weighted average remaining term of the vested exercisable options is 2.7 years as of
December 31, 2018.

As  of  December  31,  2018,  the  unrecognized  compensation  costs  relating  to  non-vested  options  granted  under  the  Option  Scheme  was  $0.3
million (2017: $0.5 million; 2016: $0.5 million) and their intrinsic value amounted to $nil (2017: $0.9 million; 2016: $0.5 million). This cost will
be recognized over the remaining vesting periods, which average 1.4 years (2017: 2.0 years; 2016: 2.2 years).

During  the  year  ended  December  31,  2018,  the  Company  recognized  an  expense  of  $0.5  million  in  compensation  cost  relating  to  the  stock
options (2017: $0.4 million; 2016: $0.4 million).

24.

RELATED PARTY TRANSACTIONS

The Company has had transactions with the following related parties, being companies in which our principal shareholder Hemen and companies
associated with Hemen have, or had, a significant direct or indirect interest:

–    Frontline

–    Frontline Shipping

–    Seadrill

–    Golden Ocean

–    United Freight Carriers ("UFC" - which is a joint venture approximately 50% owned by Golden Ocean)

–    Deep Sea Supply Plc. ("Deep Sea") (1)

–    Seatankers Management Co. Ltd. ("Seatankers")

–    NorAm Drilling

–    Golden Close

–    Sterna Finance

–    ADS Crude Carriers Plc ("ADS")

(1) From October 2017, Deep Sea was determined to no longer be a related party (see below).

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The Consolidated Balance Sheets include the following amounts due from and to related parties, excluding direct financing lease balances (see
Note 16: Investments in direct financing and sales type leases): 

(in thousands of $)

Amounts due from:

Frontline Shipping

Frontline

Deep Sea

Seadrill

SFL Linus

SFL Deepwater

SFL Hercules

Golden Ocean

Other related parties

Total amount due from related parties

Loans to related parties - associated companies, long-term

SFL Deepwater

SFL Hercules

SFL Linus

Total loans to related parties - associated companies, long-term

Long-term receivables from related parties

Frontline

Frontline Shipping

Total long-term receivables from related parties

Amounts due to:

Frontline Shipping

Frontline

Seatankers

Golden Ocean

Other related parties

Total amount due to related parties

2018   

1,225   
8,430   
—   
223   
21,718   
—   
10,125   
50   
—   
41,771   

109,144   
80,000   
121,000   
310,144   

11,170   
4,446   
15,616   

1,125   
125   
—   
91   
8   
1,349   

2017 

— 
5,579 
— 
— 
3,559 
171 
97 
153 
66 
9,625 

113,000 
80,000 
121,000 
314,000 

— 
— 
— 

539 
147 
60 
— 
111 
857 

SFL Deepwater, SFL Hercules and SFL Linus are wholly-owned subsidiaries which are not fully consolidated but are accounted for under the
equity method as at December 31, 2018. As described below in "Related party loans", at December 31, 2018 and 2017, the long-term loans from
Ship Finance to SFL Deepwater, SFL Hercules, and SFL Linus are presented net of amounts due to them by Ship Finance on their respective
current accounts.

Related party leasing and service contracts 

One of the Company's offshore support vessels (2017: one) accounted for as a direct finance lease and four of the Company's offshore support
vessels (2017: four) accounted for as operating leases were employed under long term charters to a subsidiary of Deep Sea. In June 2017, Deep
Sea completed a merger with Solstad Offshore ASA and Farstad Shipping ASA, creating Solstad Farstad, with Hemen's shareholding in Solstad
Farstad being below 20%. In October 2018, Solstad Farstad changed its name to Solstad Offshore ASA ("Solstad").The  Company  determined
that Solstad was not a related party as a result of the merger. Following the merger, Solship (formerly Deep Sea), a wholly owned subsidiary of
Solstad Farstad, acts as charter guarantor under the long term charter agreements.

As at December 31, 2018, three of the Company's vessels leased to Frontline Shipping (2017: nine) are recorded as direct financing leases. In
addition, at December 31, 2018, eight dry bulk carriers were leased to a subsidiary of Golden Ocean under operating leases.

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At December  31,  2018,  the  balance  of  net  investments  in  direct  financing  leases  with  Frontline  Shipping  was  $115.0  million  (2017:  $314.0
million) of which $8.0 million (2017: $22.3 million) represents short-term maturities.

At December 31, 2018, the net book value of assets leased under operating leases to Golden Ocean was $217.7 million (2017: $233.7 million).

During the year ended December 31, 2016, the Company also earned income from another offshore support vessel leased to a subsidiary of Deep
Sea, which was sold in February 2016, and from six dry bulk carriers leased to UFC on short-term charters, which all ended during 2016.

A summary of leasing revenues earned from the Frontline Shipping, Deep Sea, Golden Ocean and UFC is as follows:

(in millions of $)

Operating lease income

Direct financing lease interest income

Finance lease service revenue

Direct financing lease repayments

Profit sharing revenues

2018 
53.3 
9.6 
22.1 
16.8 
1.8 

2017   
59.4   
16.4   
35.0   
25.1   
5.8   

2016 
65.3 
22.9 
44.5 
30.3 
51.5 

In June 2015, amendments were made to the charter agreements relating to 17 vessels. The amendments, which are effective from July 1, 2015,
and do not affect the duration of the leases, include reductions in the daily time-charter rates to $20,000 per day for VLCCs and $15,000 per day
for Suezmax tankers. As consideration for the agreed amendments, the Company received 55 million ordinary shares in Frontline, and also an
increase  in  the  profit  sharing  percentage  (see  below).  A  dividend  restriction  was  introduced  on  Frontline  Shipping  whereby  it  can  only  make
distributions to its parent company if it can demonstrate it meets certain conditions.

In February 2016, Frontline enacted a 1-for-5 reverse stock split of its ordinary shares, and the Company's holding in Frontline consists of 11
million ordinary shares. In the year ended December 31, 2018, the Company received dividend income totaling $nil (2017: $3.3 million; 2016:
$11.6 million) on these shares.

Frontline Shipping pays the Company profit sharing of 50% of their earnings on a time-charter equivalent basis from their use of the Company's
fleet above average threshold charter rates calculated on a quarterly basis. The Company earned and recognized profit sharing revenue under the
50% arrangement of $1.5 million in the year ended December 31, 2018 (2017: $5.6 million; 2016: $50.9 million).

In the event that vessels on charter to the Frontline Shipping are agreed to be sold, the Company may either pay or receive compensation for the
early termination of the lease. In the year ended December 31, 2018, the Company sold the VLCC Front Circassia to an unrelated third party.
The vessel was delivered to the new owner in February 2018, and a termination fee of $4.4 million at fair value was received from Frontline
Shipping in the form of a loan note. The loan note bears interest at a rate of 7.5% and matures in December 2021. The Company also sold the
VLCCs Front Page, Front Stratus and Front Serenade to a related third party. The vessels were delivered to the new owner, ADS, in July 2018,
August 2018 and September 2018, respectively, and an aggregate termination fee of $10.1 million at fair value was received from Frontline in the
form of three loan notes. The loan notes bear interest at a rate of 7.5% and mature between November 2024 and May 2025. In October 2018, the
Company sold the VLCC Front Ariake to an unrelated third party. The vessel was delivered to the new owner in October 2018 and a termination
fee of $3.4 million at fair value was received from Frontline in the form of a loan note. The loan note bears interest at a rate of 7.5% and matures
in November 2023.

In March 2017, May 2017, June 2017 and August 2017, Front Century, Front Brabant, Front Scilla and Front Ardenne on charter to Frontline
Shipping were sold and their leases canceled, with agreed termination fees received of $4.1 million, $3.6 million, $6.5 million and $4.8 million,
respectively.

In July 2016, the VLCC Front Vanguard on charter to Frontline Shipping was sold and its lease canceled, with an agreed termination fee of $0.3
million received.

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In  February  2016,  the  offshore  support  vessel  Sea Bear  on  charter  to  a  subsidiary  of  Deep  Sea  was  sold  and  its  lease  canceled.  An  agreed
termination fee was received in the form of loan notes from Deep Sea, receivable over the approximately six remaining years of the canceled
lease. The initial face value of the notes received, on which interest at 7.25% is receivable, was $14.6 million and their initial fair value of $11.6
million was determined from analysis of projected cash flows, based on factors including the terms, provisions and other characteristics of the
notes, default risk of the issuing entity, the fundamental financial and other characteristics of that entity, and the current economic environment
and trading activity in the debt market. From October 2017, due to the merger of Deep Sea, Solstad Offshore ASA and Farstad Shipping ASA,
this loan note is no longer considered a related party receivable. The Company received $0.4 million interest on the loan note in 2017 up until it
was considered a related party receivable (2016: $0.9 million).

In the year ended December 31, 2018,  the  Company  had  eight  dry  bulk  carriers  operating  on  time-charters  to  a  subsidiary  of  Golden  Ocean,
which include profit sharing arrangements whereby the Company earns a 33% share of profits earned by the vessels above threshold levels. In
the year ended December 31, 2018, the Company earned $0.2 million income under this arrangement (2017: $0.2 million; 2016: $nil).

Until their short-term charters ended on the relevant dates during 2016, the Company had up to six dry bulk carriers operating on time-charters to
UFC during 2016, which included profit-sharing arrangements whereby the Company earned a 50% share of profits earned by the vessels above
threshold levels. In the year ended December 31, 2016, the Company earned and recognized $0.6 million under this arrangement.

As at December 31, 2018, the Company was owed a total of $1.2 million (2017: owes $0.3 million) to Frontline Shipping in respect of leasing
contracts and profit share.

At December 31, 2018, the Company was owed $8.4 million (2017: $5.6 million) by Frontline in respect of various short-term items, including
vessel management fees and items relating to the operation of vessels trading in a pool with two vessels owned by Frontline.

At December  31,  2018,  the  Company  was  owed  $21.7 million (2017: $3.6 million),  $nil  (2017:  $0.2  million)  and  $10.1  million  (2017:  $0.1
million) by SFL Linus, SFL Deepwater and SFL Hercules respectively in addition to the loan due to the Company - see below.

The vessels leased to Frontline Shipping are on time charter terms and for each such vessel the Company pays a fixed management/operating fee
of $9,000 per day to Frontline Management (Bermuda) Ltd. ("Frontline Management"), a wholly owned subsidiary of Frontline. An exception to
this arrangement is for any vessel leased to Frontline Shipping which is sub-chartered on a bareboat basis, for which there is no management fee
payable for the duration of the bareboat sub-charter. In addition, during the year ended December 31, 2018, the Company also had 15 container
vessels, 14 dry bulk carriers, two Suezmax tankers, two car carriers and two product tankers operating on time charter or in the spot market, for
which the supervision of the technical management was sub-contracted to Frontline Management. Management fees incurred are included in the
table below.

The  vessels  leased  to  a  subsidiary  of  Golden  Ocean  are  on  time  charter  terms  and  for  each  vessel  the  Company  pays  a  fixed
management/operating fee of $7,000 per day to Golden Ocean Group Management (Bermuda) Ltd. ("Golden Ocean Management"), a wholly-
owned subsidiary of Golden Ocean. Additionally, in the year ended December 31, 2018, the Company had 15 container vessels and 14 dry bulk
carriers  operating  on  time-charters,  for  which  part  of  the  operational  management  was  sub-contracted  to  Golden  Ocean  Management.
Management  fees  incurred  are  included  in  the  table  below.  Management  fees  are  classified  as  vessel  operating  expenses  in  the  consolidated
statements of operations.

In addition to leasing revenues and repayments, the Company incurred fees with related parties. The Company operates the Suezmax tankers
Glorycrown and Everbright in the spot market (until the latter commenced a two year time charter in January 2016) and pays Frontline and its
subsidiaries, a management fee of 1.25% of chartering revenues. The Company paid fees to Frontline Management for administrative services,
including corporate services, and fees to Seatankers for the provision of advisory and support services. The Company also pays fees to Frontline
Management for the management supervision of some of its newbuildings. The Company paid fees to Seatankers Management Norway AS for
the  provision  of  office  facilities  in  Oslo,  and  fees  to  Frontline  Corporate  Services  Ltd  for  the  provision  of  office  facilities  in  London.  Fees
incurred for these services are as follows:

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(in thousands of $)
Frontline:

Vessel Management Fees

Newbuilding Supervision Fees

Commissions and Brokerage

Administration Services Fees

Golden Ocean:

Vessel Management Fees

Operating Management Fees

Seatankers:

Administration Services Fees

Office Facilities:

Seatankers Management Norway AS

Frontline Management AS

Frontline Corporate Services Ltd

December 31, 2018 

  December 31, 2017    December 31, 2016 

Year ended

24,033 
— 
287 
323 

20,440 
793 

290 

108 
185 
166 

36,536   
979   
269   
335   

20,440   
738   

82   

105   
136   
173   

45,931 
— 
390 
576 

20,496 
795 

315 

— 
317 
235 

As at December 31, 2018,  the  Company  owes  Frontline  Management  and  Frontline  Management  AS  a  combined  total  of  $0.1 million (2017:
$0.1 million) for various items, including technical supervision fees and office costs. At December 31, 2018, the Company also owes Seatankers
$nil (2017: $0.1 million) for advisory and support services.

On October 5, 2016, the Company issued a senior unsecured convertible bond loan totaling $225.0 million. In conjunction with the bond issue,
the Company loaned up to 8,000,000 of its common shares to an affiliate of one of the underwriters of the issue, in order to assist investors in the
bonds  to  hedge  their  position.  The  shares  that  were  lent  by  the  Company  were  initially  borrowed  from  Hemen,  the  largest  shareholder  of  the
Company, for a one-time loan fee of $120,000. In November 2016, the Company issued 8,000,000 new shares, to replace the shares borrowed
from Hemen and received $80,000 from Hemen.

In the year ended December 31, 2017, in addition to the above, the Company also paid $0.4 million to a subsidiary of Seadrill for the provision
of management services for the jack-up drilling rig Soehanah.

Related party loans – associated companies 

Ship  Finance  has  entered  into  agreements  with  SFL  Deepwater,  SFL  Hercules  and  SFL  Linus  granting  them  loans  of  $145.0 million,  $145.0
million and $125.0 million, respectively. The loans to SFL Deepwater and SFL Hercules are fixed interest rate loans, and the loan to SFL Linus
was interest free until the newbuilding jack-up drilling rig was delivered to that company, since when it has been a fixed interest rate loan. These
loans are repayable in full on October 1, 2023, October 1, 2023 and June 30, 2029, respectively, or earlier if the companies sell their drilling
units. The net outstanding loan balances as at December 31, 2018, were $109.0 million, $80.0 million, and $121.0 million for SFL Deepwater,
SFL Hercules and SFL Linus, respectively. Ship Finance is entitled to take excess cash from these companies, and such amounts are recorded
within  their  current  accounts  with  Ship  Finance.  The  loan  agreements  specify  that  the  balance  on  the  current  accounts  will  have  no  interest
applied and will be settled by offset against the eventual repayments of the fixed interest loans. In addition to this, as at December 31, 2018 the
Company has current receivables of $nil, $10.1 million, $21.7 million from SFL Deepwater, SFL Hercules and SFL Linus, respectively (2017:
$0.2 million; $0.1 million; $3.6 million,  respectively).  In  the  year  ended December 31, 2018,  the  Company  received  interest  income  on  these
loans of $5.1 million from SFL Deepwater (2017: $5.4 million; 2016: $6.5 million), $3.6 million from SFL Hercules (2017: $4.3 million; 2016:
$6.5 million) and $5.4 million from SFL Linus (2017: $5.5 million; 2016: $5.6 million) totaling $14.1 million (2017: $15.2 million; 2016: $18.7
million).

Related party purchases and sales of vessels

In the year ended December 31, 2018, the VLCCs Front Page, Front Stratus and Front Serenade which were accounted for as direct financing
lease assets, were sold to a related party, ADS Crude Carriers Plc. ("ADS"). Gains of $0.3 million, $0.2 million and $0.3 million were recorded
on the disposal of the vessels, respectively. The gross proceeds from the sale was $22.5 million

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per vessel in addition to compensation, in the form of loan notes of $3.4 million each, received for the early termination of the charters.

No vessels were acquired from or sold to related parties in the year ended December 31, 2017.

Long-term receivables from related parties

The  Company  received  a  loan  note  from  Frontline  Shipping  as  compensation  for  the  early  termination  of  the  charter  of  Front  Circassia  in
February 2018. The initial face value of the note was $8.9 million, however, Ship Finance recorded the loan note at an initial fair market value of
$4.4 million. The loan note bears interest at a rate of 7.5% and matures in December 2021. In the year ended December 31, 2018, the Company
received interest income on this loan note of $0.5 million.

The Company received loan notes from Frontline as compensation for the early termination of the charter of Front Page, Front Stratus and Front
Serenade in July, August and September 2018, respectively. The face value of the notes is $3.4 million each, and bears interest at a rate of 7.5%.
The loan notes mature in between November 2024 and May 2025. In the year ended December 31, 2018, the Company received interest income
on these loan notes of $0.3 million.

The Company received a loan note from Frontline as compensation for the early termination of the charter of Front Ariake in October 2018. The
initial  face  value  of  the  note  was  $3.4 million  and  bears  interest  at  a  rate  of  7.5%.  The  note  matures  in  December  2023.  In  the  year  ended
December 31, 2018, the Company received interest income on this loan note of $0.1 million.

Other related party transactions

In May 2018, four wholly-owned subsidiaries of the Company entered into a $320.0 million unsecured loan facility provided by an affiliate of
Hemen, Sterna Finance. The unsecured intermediary loan facility was entered into to partly fund the acquisition of four 13,800 TEU container
vessels acquired in May 2018. The Company had provided a corporate guarantee for this loan facility, which had a fixed interest rate, was non-
amortizing  and  had  a  term  of  13  months  from  the  drawdown  date  of  the  loan.  Interest  expense  incurred  on  the  loan  in  the  year  ended
December 31, 2018 was $6.4 million. The loan balance was prepaid in full in November 2018.

In August 2018, the Company acquired 4,031,800 shares in ADS, a newly formed company trading on the Oslo Merkur Market. The shares were
purchased for $10.0 million, and have a fair value of $9.2 million at December 31, 2018 (see Note 11: Investments in debt and equity securities).
These shares, on which no dividend income was received in the year ended December 31, 2018, represent 17.24% of the outstanding shares in
the company.

In November 2016, the Company acquired approximately 12 million shares in NorAm Drilling for a consideration of approximately $0.7 million.
In  November  2018  NorAm  undertook  a  share  consolidation  of  20:1,  resulting  in  a  revised  investment  of  601,023  shares.  On  the  same  day
NorAm  participated  in  a  rights  issue,  increasing  the  Company's  investment  in  shares  by  623,447  shares.  In  December  2018,  the  Company
acquired  an  additional  41,756  shares  bringing  the  total  investment  in  NorAm  to  1,266,226  shares  with  a  fair  value  of  $3.9  million.  This
investment, on which no dividend was received in the year ended December 31, 2018, is included in "Investments in debt and equity securities"
(Note 11) (2017: $nil; 2016: $nil).

The  Company  also  holds  within  "Investments  in  Debt  and  Equity  Securities"  senior  secured  corporate  bonds  in  NorAm  Drilling  due  2021.
During  the  year  ended  December  31,  2018,  the  Company  redeemed  a  total  of  466,667  units  at  par  value  and  recorded  no  gain  or  loss  on
redemption. This investment is included in Note 11: Investments in debt and equity securities. Interest amounting to $0.5 million was earned in
the year ended December 31, 2018 (2017: $0.5 million; 2016: $0.5 million). In addition, the Company earned other income of $nil in the year
ended December 31, 2018, (2017: $0.1 million; 2016: $nil).

During  the  year  ended  December  31,  2018,  Golden  Close  initiated  liquidation  proceedings.  As  a  result  of  this,  the  Company  received  total
proceeds of $45.6 million in settlement of its total investment, resulting in an overall net gain of $13.5 million. The Company earned interest
income on the Golden Close notes up to the date of redemption of $0.2 million in the year ended December 31, 2018 (2017: $0.6 million; 2016:
$0.2 million). As at December 31, 2018, the net investment in Golden Close debt and equity securities is $nil (2017: $28.5 million).

In June 2017, the Company facilitated a performance guarantee in favour of an oil company relating to a contract for the drillship Deepsea Metro
1. The guarantee had a maximum liability limited to $18.0 million, a maturity of up to six months, and was secured under a first lien mortgage
over the drillship, ranking ahead of other secured claims. In the year ended December 31, 2017, the Company recorded net fee income of $0.4
million for facilitating the guarantee. The performance guarantee agreement was terminated in September 2017.

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25.

FINANCIAL INSTRUMENTS

In  certain  situations,  the  Company  may  enter  into  financial  instruments  to  reduce  the  risk  associated  with  fluctuations  in  interest  rates  and
exchange rates. The Company has a portfolio of swaps which swap floating rate interest to fixed rate, and which also fix the Norwegian kroner to
US dollar exchange rate applicable to the interest payable and principal repayment on the NOK bonds. From a financial perspective these swaps
hedge interest rate and exchange rate exposure. The counterparties to such contracts are DNB Bank, Nordea Bank Finland Plc., ABN AMRO
Bank  N.V.,  NIBC  Bank  N.V.,  Skandinaviska  Enskilda  Banken  AB  (publ),  ING  Bank  N.V.,  Danske  Bank  A/S,  Swedbank  AB  (publ),  Credit
Agricole Corporate & Investment Bank and Commonwealth Bank of Australia. Credit risk exists to the extent that the counterparties are unable
to  perform  under  the  contracts,  but  this  risk  is  considered  not  to  be  substantial  as  the  counterparties  are  all  banks  which  have  provided  the
Company with loans.

The following tables present the fair values of the Company's derivative instruments that were designated as cash flow hedges and qualified as
part of a hedging relationship, and those that were not designated: 

(in thousands of $)

Designated derivative instruments -short-term assets:

Interest rate swaps

Non-designated derivative instruments -short-term assets:

Cross currency interest rate swaps

Total derivative instruments - short-term assets

Designated derivative instruments -long-term assets:

Interest rate swaps

Non-designated derivative instruments -long-term assets:

Interest rate swaps

Total derivative instruments - long-term assets

(in thousands of $)

Designated derivative instruments -short-term liabilities:

Interest rate swaps

Cross currency interest rate swaps

Non-designated derivative instruments -short-term liabilities:

Interest rate swaps

Cross currency interest rate swaps

Total derivative instruments - short-term liabilities

Designated derivative instruments -long-term liabilities:

Interest rate swaps

Cross currency interest rate swaps

Cross currency swaps

Non-designated derivative instruments -long-term liabilities:

Interest rate swaps

Cross currency interest rate swaps

Total derivative instruments - long-term liabilities

F-48

2018 

— 

5,279 
5,279 

5,459 

5,174 
10,633 

2018   

—   
33,004   

—   
12,043   
45,047   

1,811   
4,709   
9,607   

86   
—   
16,213   

2017 

108 

— 
108 

5,136 

3,211 
8,347 

2017 

248 
— 

255 
— 
503 

5,109 
36,120 
— 

553 
6,836 
48,618 

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Interest rate risk management 

The Company manages its debt portfolio with interest rate swap agreements denominated in U.S. dollars and Norwegian kroner to achieve an
overall desired position of fixed and floating interest rates. At December 31, 2018, the Company and its consolidated subsidiaries had entered
into interest rate swap transactions, involving the payment of fixed rates in exchange for LIBOR or NIBOR, as summarized below. The summary
includes all swap transactions, most of which are hedges against specific loans.

Notional Principal (in thousands of $)

Inception date

Maturity date

$11,130 (remaining at $11,130)

$100,000 (remaining at $100,000)

$121,133 (terminating at $79,733)

$100,000 (remaining at $100,000)

$151,008 (equivalent to NOK900 million)

$92,438 (reducing to $70,125)

$95,625 (reducing to $70,125)

$26,693 (reducing to $19,413)

$173,906 (reducing to $149,844)

$63,987 (equivalent to NOK500 million)

$16,833 (equivalent to NOK100 million)

May 2011

August 2011

May 2012

March 2013

March 2014

January 2019

August 2021

August 2022

April 2023

March 2019

December 2016

December 2021

January 2017

September 2015

February 2016

January 2022

March 2022

February 2021

October 2017

March - June 2020

September 2018

March 2019

Fixed interest rate 
2.08% - 2.58% 
2.50% - 2.93% 
1.76% - 1.85% 
1.85% - 1.97% 

6.03% *

2.29% - 2.63% 
2.12% - 2.58% 

1.67%  

1.07% - 1.26% 
6.86% - 6.96% 

*

6.03% †

*

†

These swaps relate to the NOK900 million and NOK500 million unsecured bonds due 2019 and 2020, respectively, and the fixed interest
rates paid are exchanged for NIBOR plus the margin on the bonds.
This swap relates to the NOK900 million unsecured bond due 2019, where NIBOR plus a margin is paid in exchange for a fixed interest
rate. For the remaining swaps, the fixed interest rate paid is exchanged for LIBOR, excluding margin on the underlying loans.

The total net notional principal amount subject to interest swap agreements as at December 31, 2018, was $0.9 billion (2017: $1.1 billion).

Foreign currency risk management

The  Company  has  entered  into  currency  swap  transactions,  involving  the  payment  of  U.S.  dollars  in  exchange  for  Norwegian  kroner  and  the
payment of Norwegian kroner in exchange for U.S. dollars, which are designated as hedges against the NOK900 million, NOK500 million and
NOK600 million senior unsecured bonds due 2019, 2020 and 2023 respectively. During the last quarter of 2018,  the  Company  entered  into  a
currency swap transaction involving the payment of Norwegian kroner in exchange for U.S. dollars. This swap relates to the NOK900 million
bond, but is not designated as a hedging instrument.

Principal Receivable

NOK900 million

NOK500 million

NOK472 million

US$16.8 million

Principal Payable

US$151.0 million

US$64.0 million

US$62.1 million

NOK100 million

Inception date

March 2014

Maturity date

March 2019

October 2017

March - June 2020

September 2018

September 2018

September 2023

March 2019

Apart  from  the NOK900 million, NOK500 million  and  NOK600 million  senior  unsecured  bonds  due  2019,  2020  and  2023,  respectively,  the
majority of the Company's transactions, assets and liabilities are denominated in U.S. dollars, the functional currency of the Company. Other than
the corresponding currency swap transactions summarized above, the Company has not entered into forward contracts for either transaction or
translation  risk. Accordingly,  there  is  a  risk  that  currency  fluctuations  could  have  an  adverse  effect  on  the  Company's  cash  flows,  financial
condition and results of operations.

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Fair Values 

Document

The carrying value and estimated fair value of the Company's financial assets and liabilities at December 31, 2018, and 2017, are as follows: 

(in thousands of $)

Non-derivatives:

Available-for-sale debt securities

Equity Securities

Floating rate NOK bonds due 2019

Floating rate NOK bonds due 2020

Floating rate NOK bonds due 2023

3.25% unsecured convertible bonds due 2018

5.75% unsecured convertible bonds due 2021

4.875% unsecured convertible bonds due 2023

Derivatives:

Interest rate/ currency swap contracts – short-term
receivables

Interest rate/ currency swap contracts – long-term
receivables

Interest rate/ currency swap contracts – short-term
payables

Interest rate/ currency swap contracts – long-term
payables

2018 
Carrying value 

2018   
Fair value   

2017   
Carrying value   

2017 
Fair  value 

13,245 
73,929 
77,722 
57,829 
69,395 
— 
212,230 
151,700 

5,279 

10,633 

45,047 

16,213 

13,245   
73,929   
77,916   
58,841   
69,568   
—   
199,496   
139,374   

5,279   

10,633   

45,047   

16,213   

41,742   
52,060   
92,477   
61,001   
—   
63,218   
225,000   
—   

108   

8,347   

503   

41,742 
52,060 
92,709 
61,306 
— 
71,662 
242,719 
— 

108 

8,347 

503 

48,618   

48,618 

The above short-term receivables relating to interest rate/ currency swap contracts at December 31, 2018,  all  relate  to  non-designated  hedges.
The above long-term receivables relating to interest rate/ currency swap contracts at December 31, 2018, include $5.2 million which relates to
non-designated swap contracts (2017: $3.2 million), with the balance relating to designated hedges. The above short-term payables relating to
interest rate/ currency swap contracts at December 31, 2018, include $12.0 million which relates to non-designated swap contracts (2017: $0.3
million),  with  the  balance  relating  to  designated  hedges.  The  above  long-term  payables  relating  to  interest  rate/  currency  swap  contracts  at
December  31,  2018,  include  $0.1  million  which  relates  to  non-designated  swap  contracts  (2017:  $7.4  million),  with  the  balance  relating  to
designated hedges.

In accordance with the accounting policy relating to interest rate and currency swaps (see Note 2 "Accounting policies: Derivatives – Interest rate
and currency swaps"), where the Company has designated the swap as a hedge, and to the extent that the hedge is effective, changes in the fair
values of interest rate swaps are recognized in other comprehensive income. Changes in the fair value of other swaps and the ineffective portion
of swaps designated as hedges are recognized in the consolidated statement of operations.

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The above fair values of financial assets and liabilities as at December 31, 2018, are measured as follows: 

(in thousands of $)

Assets:

Available-for-sale debt securities

Equity securities

Interest rate/ currency swap contracts – short-term
receivables

Interest rate/ currency swap contracts - long-term
receivables

Total assets

Liabilities:

Floating rate NOK bonds due 2019

Floating rate NOK bonds due 2020

Floating rate NOK bonds due 2023

5.75% unsecured convertible bonds due 2021

4.875% unsecured convertible bonds due 2023

Interest rate/ currency swap contracts – short-term
payables

Interest rate/ currency swap contracts – long-term
payables

Total liabilities

December 31, 2018

Fair value measurements using

Quoted Prices in
Active Markets for
Identical Assets

Significant Other
Observable
Inputs

Significant
Unobservable
Inputs

(Level 1)

(Level 2)

(Level 3)

13,245     
73,929     

87,174   

77,916     
58,841     
69,568     
199,496     
139,374     

545,195   

5,279     

10,633     
15,912   

45,047     

16,213     
61,260   

— 

— 

13,245 
73,929 

5,279 

10,633 
103,086 

77,916 
58,841 
69,568 
199,496 
139,374 

45,047 

16,213 
606,455 

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The above fair values of financial assets and liabilities as at December 31, 2017, were measured as follows:

(in thousands of $)

Assets:

Available-for-sale debt securities

Equity securities

Interest rate/ currency swap contracts – short-term
receivables

Interest rate/ currency swap contracts – long-term
receivables

Total assets

Liabilities:

Floating rate NOK bonds due 2019

Floating rate NOK bonds due 2020

3.25% unsecured convertible bonds due 2018

5.75% unsecured convertible bonds due 2021

Interest rate/ currency swap contracts – short-term
payables

Interest rate/ currency swap contracts – long-term
payables

Total liabilities

December 31, 2017

Fair value measurements using

Quoted Prices in
Active Markets for
Identical Assets

Significant Other
Observable
Inputs

Significant
Unobservable
Inputs

(Level 1)

(Level 2)

(Level 3)

41,742 
52,060 

108 

8,347 
102,257 

92,709 
61,306 
71,662 
242,719 

503 

48,618 
517,517 

41,742     
52,060     

93,802   

92,709     
61,306     
71,662     
242,719     

468,396   

108     

8,347     
8,455   

503     

48,618     
49,121   

— 

— 

— 

ASC  Topic  820  "Fair  Value  Measurement  and  Disclosures"  ("ASC  820")  emphasizes  that  fair  value  is  a  market-based  measurement,  not  an
entity-specific  measurement,  and  should  be  determined  based  on  the  assumptions  that  market  participants  would  use  in  pricing  the  asset  or
liability. As a basis for considering market participant assumptions in fair value measurements, ASC 820 establishes a fair value hierarchy that
distinguishes  between  market  participant  assumptions  based  on  market  data  obtained  from  sources  independent  of  the  reporting  entity
(observable  inputs  that  are  classified  within  levels  one  and  two  of  the  hierarchy)  and  the  reporting  entity's  own  assumptions  about  market
participant assumptions (unobservable inputs classified within level three of the hierarchy).

Level  1  inputs  utilize  unadjusted  quoted  prices  in  active  markets  for  identical  assets  or  liabilities  that  the  Company  has  the  ability  to  access.
Level 2 inputs are inputs other than quoted prices included in level one that are observable for the asset or liability, either directly or indirectly.
Level 2 inputs may include quoted prices for similar assets and liabilities in active markets, as well as inputs that are observable for the asset or
liability,  other  than  quoted  prices,  such  as  interest  rates,  foreign  exchange  rates  and  yield  curves  that  are  observable  at  commonly  quoted
intervals. Level 3 inputs are unobservable inputs for the assets or liabilities, which typically are based on an entity's own assumptions, as there is
little, if any, related market activity. In instances where the determination of the fair value measurement is based on inputs from different levels
of the fair value hierarchy, the level in the fair value hierarchy within which the entire fair value measurement falls is based on the lowest level
input that is significant to the fair value measurement in its entirety. The Company's assessment of the significance of a particular input to the fair
value measurement in its entirety requires judgment, and considers factors specific to the asset or liability.

Investment  in  equity  securities  consist  of  (i)  listed  Frontline  shares  (ii)  NorAm  Drilling  shares  traded  in  the  OTC  market  (iii)  Golden  Close
shares traded in the OTC market and (iv) ADS shares traded on the Merkur Market whilst the investments in available-for-sale debt securities
consist of listed and unlisted corporate bonds. The estimated fair value of the debt and equity securities consists of their aggregate market value
as at the balance sheet date.

The estimated fair values for the floating rate NOK bonds due 2019, 2020 and 2023, and the 5.75% and 4.875% unsecured convertible bonds are
based on the quoted market prices as at the balance sheet date.

The fair value of interest rate and currency swap contracts is calculated using established independent valuation techniques applied to contracted
cash flows and LIBOR/NIBOR interest rates as at the balance sheet date.

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Concentrations of risk 

There  is  a  concentration  of  credit  risk  with  respect  to  cash  and  cash  equivalents  to  the  extent  that  most  of  the  amounts  are  carried  with
Skandinaviska  Enskilda  Banken,  ABN  AMRO,  Nordea,  Bank  of  Valletta  and  Credit  Agricole  Corporate  and  Investment  Bank.  However,  the
Company believes this risk is remote, as these financial institutions are established and reputable establishments with no prior history of default.
The Company does not require collateral or other securities to support financial instruments that are subject to credit risk.

There is also a concentration of revenue risk with certain customers to whom the Company has chartered multiple vessels:

In the year ended December 31, 2018, Frontline Shipping accounted for approximately 8% of our consolidated operating revenues (2017: 15%,
2016: 28%). Frontline Shipping is a 100% owned subsidiary of Frontline, but the performance under the leases is not guaranteed by Frontline
following amendments agreed in 2015. There is no requirement for a minimum cash balance in Frontline Shipping, but in exchange for releasing
the guarantee a dividend restriction was introduced on Frontline Shipping whereby it can only make distributions to its parent company if it can
demonstrate it will have minimum free cash of $2 million per vessel both prior to and following (i) such distribution and (ii) the payment of the
next hire due and any profit share accrued under the charters. Due to the current depressed tanker market, there is a risk that Frontline Shipping
may  not  have  sufficient  funds  to  pay  the  agreed  charterhires.  However,  the  performance  under  the  fixed  price  agreements  with  Frontline
Management  whereby  we  pay  management  fees  of  $9,000  per  day  for  each  vessel  to  cover  all  operating  costs  including  drydocking  costs,  is
guaranteed by Frontline.

In  the  year  ended  December  31,  2018,  the  Company  had  eight  Capesize  dry  bulk  carriers  leased  to  a  subsidiary  of  Golden  Ocean  which
accounted for approximately 13% of our consolidated operating revenues (2017: 14%, 2016: 12%). The Company also had 29 container vessels
on  long-term  bareboat  charters  to  MSC,  which  accounted  for  approximately  11%  of  our  consolidated  operating  revenues  in  the  year  ended
December 31, 2018 (2017: 10%, 2016: 4%).

Following the acquisition of Hamburg Süd by Maersk Line A/S (“Maersk”) in November 2017, the Company had 10 container vessels on long-
term  time  charters  to  Maersk  at  December  31,  2018,  which  accounted  for  approximately  27%  of  our  consolidated  operating  revenues  (2017:
14%; 2016: 9%).

In addition, a significant portion of our net income is generated from our associated companies that lease rigs to subsidiaries of Seadrill including
NADL, which is fully guaranteed by Seadrill. In the year ended December 31, 2018, income from our associated companies accounted for 39.1%
of our net income (2017: 38.6%, 2016: 31.7%).

The  Company  and  three  of  the  Company's  subsidiaries,  who  own  and  lease  the  drilling  rigs  West  Linus,  West  Hercules  and  West  Taurus  to
subsidiaries of Seadrill, agreed to the Restructuring Plan announced by Seadrill in September 2017. As part of the agreement, Ship Finance and
its relevant subsidiaries have agreed to reduce the contractual charter hire payable by the relevant Seadrill subsidiaries by approximately 29% for
a five year period with economic effect from January 1, 2018, with the reduced amounts added back in the period thereafter. The call options on
behalf of the Seadrill subsidiaries under the relevant leases were also amended as part of the Restructuring Plan. The leases for West Hercules
and West Taurus have been extended for a period of 13 months until December 2024, with amended purchase obligations at the new expiry of the
charters.  Concurrently,  the  banks  who  finance  the  three  rigs  also  extended  the  loan  period  by  approximately  four  years  under  each  of  the
facilities, with reduced amortization in the extension period compared to the current amortization. The Restructuring Plan was implemented in
July 2018, at which time Seadrill emerged from Chapter 11.

As  discussed  in  Note  26:  Commitments  and  contingent  liabilities,  the  Company,  at  December  31,  2018,  guaranteed  a  total  of  $266.1  million
(2017: $235.0 million) of the bank debt in these companies and had net outstanding receivable balance on loans granted by the Company to these
associated  companies  totaling  $342.0  million  (2017:  $317.8  million).  The  loans  granted  by  the  Company  are  considered  not  impaired  at
December 31, 2018, due to the fair value of the jack-up rig owned by SFL Linus and the ultra deepwater drilling rigs owned by SFL Deepwater
and SFL Hercules exceeding the book values at December 31, 2018.

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26.

COMMITMENTS AND CONTINGENT LIABILITIES

Assets Pledged

Carrying value of consolidated assets pledged under ship mortgages

2018

2017

$1,527 million

$1,908 million

Of the above, $1,424.4 million relates to assets recorded as vessels and equipment (2017: $1,576.3 million) and $103.1 million relates to assets
accounted for as investments in direct financing leases (2017: $331.3 million).

In addition, as at December 31, 2018 the Company had 11 vessels (2017: two vessels) with obligations under capital lease with a total net book
value of $1,331.1 million (2017: $283.9 million).  Of  these, seven  vessels  with  net  book  value  of  $749.9 million (2017: nil)  were  recorded  as
vessels under capital lease and four vessels with net book value of $581.2 million (2017: $283.9 million) were accounted for as investments in
direct financing leases.

The  Company  and  its  equity-accounted  subsidiaries  have  funded  their  acquisition  of  vessels,  jack-up  rigs  and  ultra-deepwater  drilling  units
through  a  combination  of  equity,  short-term  debt  and  long-term  debt.  Providers  of  long-term  loan  facilities  usually  require  that  the  loans  be
secured by mortgages against the assets being acquired. As at December 31, 2018, the Company ($1.5 billion) and its 100% equity-accounted
subsidiaries  ($655.2  million)  had  a  combined  outstanding  principal  indebtedness  of  $2.1  billion  (2017:  $2.3  billion)  under  various  credit
facilities.

Other Contractual Commitments and Contingencies

The Company has arranged insurance for the legal liability risks for its shipping activities with Gard P.& I. (Bermuda) Ltd, Assuranceforeningen
Skuld  (Gjensidig),  The  Steamship  Mutual  Underwriting  Association  Limited,  The  Korea  Shipowner’s  Mutual  Protection  &  Indemnity
Association, The West of England Ship Owners Mutual Insurance Association (Luxembourg), North of England P&I Association Limited, The
Standard  Club  Europe  Ltd  and  The  United  Kingdom  Mutual  Steam  Ship  Assurance  Association  (Europe)  Limited,  all  of  which  are  mutual
protection  and  indemnity  associations.  The  Company  is  subject  to  calls  payable  to  the  associations  based  on  the  Company’s  claims  record  in
addition to the claims records of all other members of the associations. A contingent liability exists to the extent that the claims records of the
members of the associations in the aggregate show significant deterioration, which may result in additional calls on the members.

SFL Deepwater, SFL Hercules and SFL Linus are wholly-owned subsidiaries of the Company, which are accounted for using the equity method.
Accordingly,  their  assets  and  liabilities  are  not  consolidated  in  the  Company's  Consolidated  Balance  Sheets,  but  are  presented  on  a  net  basis
under  "Investment  in  associated  companies"  -  see  Note  17.  As  at  December  31,  2018,  their  combined  bank  borrowings  amounted  to  $655.2
million (2017: $785.8 million) and the Company guaranteed $266.1 million (2017: $235.0 million) of this debt which is secured by first priority
mortgages over the relevant rigs.

In addition, the Company has assigned all claims it may have under its secured loans to SFL Deepwater, SFL Hercules and SFL Linus, in favor
of the lenders under the respective credit facilities. These loans had a net outstanding balance of $342.0 million at December  31,  2018 (2017:
$317.8 million) and are secured by second priority mortgages over each of the rigs, which have been assigned to the lenders under the respective
credit facilities. The lenders under the respective credit facilities have also been granted a first priority pledge over all shares of the relevant asset
owning subsidiaries.

As at December 31, 2018, the Company had no commitments under contracts to acquire newbuilding vessels (2017: $nil).

As at December 31, 2018, the Company had committed $3.4 million towards the procurement of exhaust gas cleaning systems ("EGCS”) on four
of its oil tankers (2017: $nil). There were no other material contractual commitments as at December 31, 2018.

The Company is routinely party both as plaintiff and defendant to laws suits in various jurisdictions under charter hire obligations arising from
the operation of its vessels in the ordinary course of business. The Company believes that the resolution of such claims will not have a material
adverse effect on its results of operations or financial position. The Company has not recognized any contingent gains or losses arising from the
pending results of any such law suits.

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27.

CONSOLIDATED VARIABLE INTEREST ENTITIES

As at December 31, 2018, the Company's consolidated financial statements included 40 variable interest entities, all of which are wholly-owned
subsidiaries. These subsidiaries own vessels with existing charters during which related and third parties have fixed price options to purchase the
respective vessels, at dates varying from March 2019 to November 2033. It has been determined that the Company is the primary beneficiary of
these entities, as none of the purchase options are deemed to be at bargain prices and none of the charters include sales options.

At December 31, 2018, 18 of the consolidated variable interest entities have a vessel which is accounted for as a direct financing
lease asset. At December 31, 2018, the vessels had a carrying value of $403.9 million, unearned lease income of $221.4 million and estimated
residual value of $126.2 million. The outstanding loan balances in 16 of these entities amounted to a total of $47.0 million, of which the short-
term  portion  was  $6.2  million  as  at  December  31,  2018.  Also,  two  of  the  vessels  that  are  included  in  the  direct  financing  lease  assets  had
outstanding obligations under capital lease which amounted to a total of $274.3 million, of which the short-term portion was $11.3 million, as at
December 31, 2018.

At December 31, 2018, 19 fully consolidated variable interest entities each own vessels which are accounted for as operating lease assets and had
a total net book value of $353.9 million at December 31, 2018. The outstanding loan balances in these entities amounted to a total of $182.9
million, of which the short-term portion was $78.9 million as at December 31, 2018.

The other three  fully  consolidated  variable  interest  entities  each  own  vessels  which  are  accounted  for  as  vessels  and  equipment  under  capital
lease and had a total net book value of $312.4 million at December 31, 2018. The outstanding obligations under capital lease for these entities
amounted to a total of $270.6 million, of which the short-term portion was $20.3 million as at December 31, 2018.

28.

SUBSEQUENT EVENTS

In January 2019, 100,000 options were awarded to one officer pursuant to the Company's Share Option Scheme. The options vest over a three
year period and have a five year term. The initial exercise price was $11.50 per share and the first options will be exercisable from January 2020.

On February 26, 2019, the Board of Ship Finance declared a dividend of $0.35 per share which will be paid in cash on or around March 29,
2019.

In March 2019, 2,461 new common shares were issued to satisfy employee options being exercised.

In  March  2019,  425,000  options  were  awarded  to  employees,  officers  and  directors  pursuant  to  the  Company's  Share  Option  Scheme.  The
options  vest  over  a  three  year  period  and  have  a  five  year  term.  The  initial  exercise  price  was  $12.35  per  share  and  the  first  options  will  be
exercisable from March 2020.

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