Toledo Teachers’ Credit Union is the brain child of Mr. Anthony Fuentes, then President of the Belize National Teachers Union (BNTU), Toledo Rural Branch. Mr. Fuentes saw the need for improved financial services for teachers working in the remote villages, since they experienced difficulties as a result of having only one financial institution operating in Toledo District. Mr. Fuentes started to agitate for the establishment of a credit union in early 2000. He sensitized teachers on the importance of establishing a credit union primarily to meet the needs of teachers, but also to meet the needs of the wider community. Consequently, he invited Mr. Leopoldo Romero, veteran credit unionist and then employee of St. Francis Xavier Credit Union to give a presentation to the teachers of Toledo on the benefits and intricacies of a credit union. This presentation was held in September 2000. Teachers’ interest grew dramatically and they requested another presentation. The second presentation was held in October 2000 and at the end of the presentation the teachers unanimously agreed to form a steering committee that would lead the process of getting the credit union organized and formalized. The Steering Committee agreed to employ Mr. Leopoldo Romero as manager and on November 1, 2000 he started to work, but on a voluntary basis. Since there was no office or other infrastructure, Mr. Romero initially performed his duties out of the house of Mrs. Olga Garcia and his personal vehicle. On November 24, 2000, Mr. Romero and the Steering Committee held a membership drive at the Central Park in Punta Gorda Town. At the end of the day, 87 members had joined and contributed $7,887.50. With these funds the first bank account was opened at the Belize Bank, Punta Gorda Town. In December 2000, the Cooperative Department allowed the fledgling organization to operate from a small space within its Punta Gorda office. By the end of that month loans were being offered to members. Over the almost 18 years of existence, the Toledo Teachers’ Credit Union has made great strides. Starting with 87 members in 2000, it now has 8,500 members in March 2018 Its last audited financial statements for year ended March 2018 showed that total assets amounted to over 22 Million. The Toledo Teachers’ Credit Union continues to grow and provide quality financial services to its members and other stakeholders.

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.

The story begins in the early 1930's when it was all but impossible for people of color to obtain mortgage loans. There has always been an undeniable connection between "where" one lives and "how" one lives. As a rule, access to quality housing and a good neighborhood also translates to improved educational and employment opportunities. In the 30's, the future looked quite bleak due to a lack of access to better housing for Black citizens. However, "No" was not an option the founders of Illinois Service Federal were willing to accept

Mission We are a strong member-owned Jamaican bank committed to the financial success and growth of every member, so that together we can boldly move, live, work, play, and raise families with confidence. Vision We are a bold and courageous financial institution dedicated to financial independence for all and using business as a force for good. We will always help you find a way, go where no one has gone before to facilitate extraordinary life experiences, create wealth and sustain long-term value. Our Promise Established on a legacy of promoting confidence and financial inclusion of Jamaicans for more than 140 years, JN Bank is dedicated to our MEMBERS’ financial growth and success. We are committed to: Treating you with dignity and delivering service consistent with your expectations Providing convenient and innovative solutions supported by the best technology Offering competitive interest rates while charging fees lower than market rates Providing clear, relevant and timely information to assist you in making the right decisions Handling your requests, suggestions and complaints with care and with the greatest level of confidentiality, fairness, integrity and urgency. This is our covenant with you.

One Eleuthera Foundation is a non-profit development organization incorporated in the Commonwealth of the Bahamas. Led by a committed Board of Directors and Staff Members, OEF is an organic coming together of different community actors and organizations that have recognized the island's challenges, opportunities, and assets and have committed to developing a comprehensive, sustainable plan for Eleuthera. We represent a gathering of professionals and organizations that share a commitment to a future that is built on the responsible development of our island’s many assets. The Shared Vision for South Eleuthera, which was first commissioned by Friends of Lighthouse Point to develop a sustainable plan for Lighthouse Point and other special heritage and conservation sites on Eleuthera, inspired the formation of One Eleuthera. We recognize that Eleuthera has a unique opportunity to build an economy based on our unique and rich cultural and heritage assets. This requires moving from a fragmented development approach to creating a structured plan that makes the natural and relevant links among communities and projects, measures success through monitoring and evaluation, and addresses any implementation challenges. The role of OEF in all of this is to connect people and organizations to the resource needed to find, develop or expand projects and activities that will allow Eleuthera and Eleutherans to be successful.

NIBank® is more than a bank, we are an ally who cares about your finances and gives you the possibility to make them grow permanently. For this we have efficient financial instruments and the backing of a secure, robust and reliable structure that makes us specialists in solutions. At NIBank® we believe that the road to success is easier if you have the support of an ally that encourages you in key moments, providing you with effective, safe and quality financial products adapted to your needs that guarantee your development.

In June 2008, the Royal Bank of Canada (RBC) acquired RBTT Financial Group (RBTT) creating RBC Financial Caribbean, one of the most extensive banking networks in the Caribbean. As one of the Caribbean’s leading diversified financial services companies, RBC provides personal and commercial banking, wealth management, corporate and investment banking, insurance and trust and asset management services to a wide range of clients, including individuals, small businesses, general commercial entities, regional and multi-national corporations and governments. With more than 100 years of heritage serving the region, RBC is positioned to give customers access to an expanded network of international financial services with a broader range of products and greater geographic reach. At RBC, our greatest assets enter and leave our offices every day. We are fortunate to have the best and the brightest serving our clients, working together to deliver on our strategy, and creating value and growth for our shareholders.