For decades, Republic Bank has held a resolute focus on its Vision of being a bank that is chosen as the Caribbean Financial Institution of Choice for its Staff, Customers and Shareholders. It aims to do so by setting the Standard of Excellence in Customer Satisfaction; Employee Engagement; Social Responsibility and Shareholder Value – while building successful societies. Over 17 decades old, the organisation is a visionary one, with a history of continual financial growth, professional and personal development, and successful collaboration with communities to bring about positive change. Since it first opened its doors in 1937 as the Colonial Bank, the first commercial bank in Trinidad; to its 1925 amalgamation with the National Bank of South Africa Limited and the Anglo-Egyptian Bank to become Dominion, Colonial and Overseas (D.C.O.); until its eventual renaming to Barclays Bank of Trinidad and Tobago and then to what is today, Republic Bank Limited, the Bank has successfully weathered many changes to remain one of the largest and most successful indigenous financial institutions in the Caribbean. It offers a diverse portfolio of products and services designed to satisfy the growing needs of its retail banking customers, corporate clients and governments throughout the Region. The Bank continuously subscribes to its Core Values of Customer Focus; Integrity; Respect for The Individual and Results Orientation. Holding integrity at the core of all its relationships, the Bank generates trust and confidence from its customers, suppliers, shareholders and the general public. Republic Bank also consistently demonstrates honesty, fairness and openness in all operations, and its business processes and practices support service excellence while protecting the interest of its customers, employees and shareholders. Expansion Philosophy The Republic Bank Group subscribes to a philosophy of expansion through organic growth and acquisition. It consistently creates significant value to strategic investment partners, driven by a philosophy of maintaining strong local participation in all overseas investments. Though Caribbean based, the Bank is a global player that adds value to the markets it enters through a developmental approach that ensures strong local input, strong local knowledge and strong local influence in decision making. Its success is driven by human resource development, a local focus to its service approach and the emphasis placed on corporate social responsibility. Its current expansion interests are within the Caribbean and Sub-Saharan Africa.

The St Vincent Building and Loan Association was incorporated on July 04, 1941 but began operations on January 03, 1941. We are owned and managed by Vincentians, for the benefit of Vincentians. We are located at Halifax Street, Kingstown, St. Vincent and the Grenadines. The Association was founded with the intention of providing Vincentians with a means to practice thrift through regular, systematic savings and a way to experience the joy and pride of owning their own home. Today, we are one of the largest mortgage providers in St. Vincent and the Grenadines. The Association offers a range of Services which include: Mortgages, Regular Savings, Super Savers, Fixed Deposits and Insurance.

CIBC FirstCaribbean's knowledge of banking has been gained through a combined experience of almost 250 years in the Caribbean through our heritage organisations, Barclays PLC and CIBC. Both have the distinction of being the oldest banks in the Caribbean. They were a part of the development of the region since the days of salt cod and rum. Many changes have been made since then. Tourism is the new export, and West Indian businesses are now taking on the world. FirstCaribbean will be there to make that goal possible. FirstCaribbean was formed in 2002 with the merger of CIBC West Indies Holdings and Barclays Bank PLC Caribbean operations. In December 2006, CIBC acquired Barclays stake and became the majority shareholder in FirstCaribbean. On June 20, 2011 we proudly announced that we will be co-branded under the CIBC banner, adopting the branding CIBC FirstCaribbean. The addition of CIBC to the FirstCaribbean brand emphasizes CIBC’s long-term commitment to the Caribbean region, our employees and our clients. Our clients and our employees across the Caribbean will continue to benefit from the long-term investment that CIBC is making in the Caribbean – a history that dates back to our first branches opened in 1920. CIBC FirstCaribbean will continue to operate as a Caribbean-managed business within the CIBC group of companies, and trades as FirstCaribbean International Bank Limited on the stock exchanges of Barbados and Trinidad.

Corporate Profile The St Vincent Co-operative Bank Limited opened its doors to business on 1st February 1945 and is one of the oldest indigenous financial institutions in St. Vincent and the Grenadines. At the time of opening, a penny was all that was required to start an account, and to date the Bank is known as ‘Penny Bank’ or ‘Forde Bank’ after its founder Ormond Forde. The relative ease of opening an account from inception has resulted in the St. Vincent Cooperative Bank now holding more Savings Accounts than any other financial institution in St. Vincent & the Grenadines. The St. Vincent Cooperative Bank is regulated by the Eastern Caribbean Central Bank (ECCB) and offers the following services: • Residential Mortgages • Savings Accounts • Fixed deposits • Consumer Loans • Commercial Loans • Life Insurance On All Loans Exceptional service has always been the foremost priority of the Bank in its quest to become a leading financial institution in the country. The Bank’s mantra, ‘Service beyond your expectation’, is reflected in its mission statement and implemented by a courteous, efficient and reliable staff.

The Bank of Nevis Ltd was the brainchild of Dr. Simeon Daniel, former premier of Nevis. The Bank was incorporated on August 29th, 1985 under the laws of the Federation of St. Christopher and Nevis; however, the Bank opened its doors for business to the public on December 9th, 1985. This was just two years after Nevis had been granted new powers under the new independence constitution of the Federation of St. Christopher and Nevis. The Bank was created out of a desire to provide banking services to the local community with the hope that this would assist with the development of the island’s economy. It is for this reason that The Bank adopted the motto ‘Improving the Quality of Life’. Ideally located in the heart of the capital, Charlestown, The Bank of Nevis Ltd offers comprehensive services including a variety of deposit accounts with attractive rates of interest, credit and debit cards and loans. Other services include ATM services, online banking, brokerage services, merchant services and foreign exchange purchases and sales. Beginnings were humble: simple accommodation, a staff of five, and capital of approximately $250,000. The environment was competitive with five banks, each having offices or branches in Charlestown. Over the years, The Bank of Nevis Ltd has grown to provide banking services not only to the people of Nevis but also to the Federation and the world at large.

The Advance Caribbean group of companies is a leading provider of micro financing solutions throughout the Caribbean. We serve individuals as well as small businesses and micro enterprises with high-quality, innovative financial solutions. With offices in Antigua, St. Lucia, Barbados, St. Kitts, Nevis, St. Vincent and the Grenadines and having provided tens of thousands of small loans across the Caribbean, we hold an established and proven track record in providing micro-financing solutions to the region. Our management team combines a unique and long-standing expertise in financial services, entrepreneurship and operating experience.

The Development Bank of St.Kitts and Nevis (DBSKN) was established by an Act of Parliament NO. 1 of 1981. The Act was further amended in April of 1983 by Parliament. The Bank is wholly owned by the Government of St.Kitts and Nevis, but it is fully autonomous and operates independently with a Board of Directors, General Manager, and a team of staff members. The Bank falls under the direct responsibility of the Minister of Finance, with the Bank's Manager having direct responsible for the day to day administration of the Bank. (see organizational chart). The Development Bank (DBSKN) is organized to provide financial and general credit services, for the purpose of achieving a reasonable rate of return on shareholders equity consistent with prudent risk exposure and the development objectives of the Institution. The Bank is primarily involved in lending to the following sectors: Tourism Related Ventures, Agro- industry, Manufacturing sectors, Agriculture, Education, and Housing. DBSKN also provides various types of short, medium-term loans, for personal development and Business Support Services for clients.

Corporate Profile The First Citizens Group is one of the leading financial services groups in Trinidad & Tobago. We offer a full range of retail, corporate and merchant banking services as well as asset management, trustee and brokerage services. The Group is headquartered in Trinidad & Tobago. First Citizens Bank, which is the largest part of the Group, has an extensive retail branch network in Trinidad & Tobago with a large deployment of ATM and point of sale service in both islands. In 2009 First Citizens acquired Caribbean Money Market Brokers Limited (now rebranded as First Citizens Investment Services Limited), the largest full service securities trading company in the Caribbean, with offices in Trinidad & Tobago, Barbados, St. Vincent and St. Lucia. In January 2012 the Group ventured into the Central American market and opened a representative office in Costa Rica, which is expected to propel the First Citizens brand abroad. The Group’s growth and expansion continued in August 2012 with the acquisition of Butterfield Bank in Barbados (now called First Citizens Bank [Barbados] Limited). These acquisitions round out the services that the Group offers its customers, both local and regional, making it possible for us to address every financing or investment need of our customer base. They also provide a physical footprint for the Group in the Caribbean region. On 15 July 2013, First Citizens launched the largest Initial Public Offering (IPO) of shares in the history of the TTSE to date. The market value of the First Citizens IPO was approximately $1.1 billion at an offer price of $22.00 per share. The Government of the Republic of Trinidad and Tobago offered 48,495,665 shares in First Citizens for sale to the public, representing 19.3% of the total shareholdings. For First Citizens, this IPO assisted in widening its capital base in order to facilitate its future strategic expansion plans. To December 2016, First Citizens’ shareholders have experienced over 50% capital appreciation and a total dividend income return of 5.59%. The resounding success of this First Citizens IPO is evident in the size of the investing public, the returns to the shareholders and the continued strength and performance of First Citizens.