THE FHC RETIREMENT SCHEME

The Churches Co-operative Credit Union Limited established the FHC Retirement Scheme formerly, Churches Co-operative Credit Union Retirement Scheme (“the Scheme”) as a defined contribution plan, by Trust Deed dated June 01, 2004. This was to provide benefits for the members of the Scheme and their beneficiaries at retirement and ancillary benefits in the event of death or termination.

The Pension Scheme is called Pension Gold. FHC Investments Limited (FHCIL), a subsidiary of the First Heritage Co-operative Credit Union Limited, is the Administrator as well as the Investment Manager of the Scheme.

BOARD OF TRUSTEES FOR FHC RETIREMENT SCHEME

Balvin Vanriel - Chairman

Kevin Forbes - Secretary

Edmund Jones - Sponsor Trustee

Pauline Royal - Sponsor Trustee

Shubash Gosine - Member Trustee