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

Kevin Forbes - Chairman

Sonia McFarlane - Secretary

Balvin Vanriel - Sponsor Trustee

Edmund Jones - Sponsor Trustee

Leodis Douglas - Member Trustee