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. Vision To be the first choice for financial services in the region by putting our clients at the centre of everything we do. Mission To deliver a simplified, modern everyday banking experience to all of our clients.

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.

First Citizens is a strong, regional financial institution with operations in Barbados, Trinidad & Tobago, St. Lucia, St. Vincent and Costa Rica. We are the best rated indigenous financial institution in the English-speaking Caribbean and have won numerous awards over the years including Bank of the Year 2012 (Trinidad) from Banker Magazine. First Citizens Bank (Barbados) Limited opened its doors in 2012 after the purchase of Butterfield Bank (Barbados) Limited. We offer a full range of banking services including savings accounts, chequing accounts, credit card services, personal lending, corporate banking and premium banking. An industry leader in the delivery of quality customer service, we partner with our customers to help them achieve their financial goals.

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.

A LEGACY OF TRANSFORMATION On August 1, 2012, Churches Co-operative Credit Union and GSB Co-operative Credit Union merged to form the new entity First Heritage Co-operative Credit Union Limited (FHC). This decision culminated the process of discussions that began in October 2010 when the idea of the amalgamation of the two Credit Unions was born. With a combined heritage of over 100 years, First Heritage Co-operative Credit Union Limited now stands as the largest open bond Credit Union in Jamaica. A merger of this magnitude was the first of its kind in the history of the Credit Union movement. On March 1, 2015, the business and operations of St. Thomas Co-operative Credit Union Limited was transferred to FHC. This merger was borne out of a mutual strategic vision of expanding Agriculture/Micro and Small Business lending to assist farmers and cultivate entrepreneurship across rural Jamaica. Our Members, from the former St. Thomas branch will now have access to a suite of over forty two products and services to meet every stage of life. This merger makes St. Thomas branch the eleventh location which will facilitate the growth and expansion of Agricultural lending not only in St. Thomas, but across the country, ultimately positively impacting the industry as well as the economy. FHC has as its bond, all civil servants, staff within Statutory Bodies and Public Corporations, their spouses and relatives, all members of any religious bodies and affiliations in Jamaica and their relatives and persons who live, work and do business in St. Thomas as well as their families. We currently serve over 200,000 members through a network of eleven locations island wide, offering a wide array of products and services. These products are specifically designed to meet the needs of our members at every stage of their lives, whether they are just starting out, or are financially savvy and investment-oriented. Our commitment remains, to generate continual benefits to our members and other stakeholders.

First Independence Bank’s mission is to be a beacon for capital accumulation for individuals and business entities by delivering financial services with an affinity for under-served and minority communities First Independence Bank, a state‐chartered commercial bank, complies with all applicable laws, rules, regulations, and ordinances of the City of Detroit, the County of Wayne, the State of Michigan, and the federal government. FIB has experience providing services to entities and individuals of varying size and complexity. FIB conforms to National Automated Clearing House Association rules. All depositors of First Independence Bank are insured by the FDIC up to $250,000.

The history of First Regional Co-operative Credit Union Ltd. is rooted in some 55 years of dedicated service to its members through a range of strategic mergers and propitious partnerships that have resulted in a more vibrant, stronger Credit Union, equipped to better serve its members. It is this rich history, anchored by a commitment to continuous improvement that has enabled First Regional to deliver world-class financial products to its members, providing them with opportunities to realize their life ambitions and goals. First Regional emerged as a larger, safer Credit Union in 2006, with the amalgamation of the St. Ann Co-operative Credit Union and the St. Mary Co-operative Credit Union. The newly-minted First Regio0nal Co-operative Credit Union Ltd. was ready to facilitate change, improve the welfare of the less fortunate, and shape the future of the communities in which it operates. Since 2006, First Regional has garnered a number of awards and achievements, and has marked various milestones. The latest milestone was its strategic merger in July 1, 2013 with the Round Hill Hotel Staff Co-operative Credit Union and the Hospitality Industries Co-operative Credit Union, which saw First Regional expanding its scope of operations island-wide to serve workers in Jamaica's hospitality industry.

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.