Credit Cards. Greater Rewards For Life. Choose the Greatest Credit Card Value for Money.

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Credit Cards Greater Rewards For Life Whether you are now starting off, setting up the foundation for your future or simply rewarding yourself with the finer things in life, your First Citizens

1 Credit Cards Greater Rewards For Life Whether you are now starting off, setting up the foundation for your future or simply rewarding yourself with the finer things in life, your First Citizens credit card is guaranteed to help you achieve your goals. Choose the Greatest Credit Card Value for Money. We Offer: Most Secure Chip technology Excellent Rewards 24/7 Card Monitoring Online Shopping Lowest costs in the market while giving all of the above GET YOURS TODAY! With our VISA and MasterCard Credit Cards you get: Access to over 30 million merchants and 900,000 ATMs worldwide Free 24/7 Online and Telebanking access to manage your credit card Up to 51 days interest free period 24/7 VISA/MasterCard Customer Service Support Emergency Card and Cash Replacement Travel information services Travel Accident Insurance

First Citizens Credit Cards PERSONAL VISA Tertiary Line of credit from TT$1,500 Low annual fee: TT$75 for students & TT$100 for staff and guild members Low interest rate: 1.

Line of credit from TT$5,500 to $16,000 Low annual fee: TT$250 Low interest rates of 1.25%, 1.3% or 2% Cash Back Rewards PINK Line of credit from TT$3,000 TO TT$29,999.

Accident Price protection, purchase protection, extended warranty Exclusive VISA Platinum offers and website Certificate or Miles Rewards VISA Signature Line of credit from TT$60,000 Low

2 First Citizens Credit Cards PERSONAL VISA Tertiary Line of credit from TT$1,500 Low annual fee: TT$75 for students & TT$100 for staff and guild members Low interest rate: 1.75% monthly VISA Gold Line of credit from TT$10,000 Low annual fee: TT$200 Up to US$250,000 Travel Accident VISA Classic Line of credit from TT$3,000 Low annual fee: TT$145 VISA 2 in 1 Line of credit from TT$5,500 to $16,000 Low annual fee: TT$250 Low interest rates of 1.25%, 1.3% or 2% Cash Back Rewards PINK Line of credit from TT$3,000 TO TT$29, Low annual fee: TT$100 Cash Back Rewards Contribute towards ending violence against women VISA Platinum Line of credit from TT$20,000 Low annual fee: TT$450 Up to US$500,000 Travel Accident Price protection, purchase protection, extended warranty Exclusive VISA Platinum offers and website Certificate or Miles Rewards VISA Signature Line of credit from TT$60,000 Low annual fee: TT$600 Up to US$1,000,000 Travel Accident Price protection, purchase protection, extended warranty Luggage delay and luggage loss insurance Exclusive VISA Signature offers and website Certificate or Miles Rewards

First Citizens Credit Cards PERSONAL BUSINESS VISA Infinite Line of credit from TT$100,000 Low annual fee: TT$1,000 Priority Pass Access Up to US$1,500,000

delay, trip cancellation and insured journey coverage Exclusive VISA Infinite offers and website Miles Rewards Vacation Lifestyle MasterCard Standard Line of

99 Low annual fee: TT$145 plus TT$75 per additional cardholder VISA Gold Business Line of credit from TT$30,000 Low annual fee: TT$200 plus TT$100 per

3 First Citizens Credit Cards PERSONAL BUSINESS VISA Infinite Line of credit from TT$100,000 Low annual fee: TT$1,000 Priority Pass Access Up to US$1,500,000 Travel Accident Insurance per person Price protection, purchase protection, extended warranty Luggage delay and luggage loss insurance Missed connection, trip delay, trip cancellation and insured journey coverage Exclusive VISA Infinite offers and website Miles Rewards Vacation Lifestyle MasterCard Standard Line of credit from TT$6,000 Low annual fee: TT$200 Miles rewards VISA Classic Business Line of credit from TT$3,000 to TT$29, Low annual fee: TT$145 plus TT$75 per additional cardholder VISA Gold Business Line of credit from TT$30,000 Low annual fee: TT$200 plus TT$100 per additional cardholder Up to US$250,000 Travel Accident Vacation Lifestyle MasterCard Gold Line of credit from TT$10,000 Low annual fee: TT$300 Up to US$250,000 Travel Accident Miles RewardsVacation Lifestyle

REWARD PROGRAMS Certificate Reward Program Miles Rewards Cash Back Rewards Earn 2% on purchases at Travel and Entertainment

140 merchants with 300 locations nationwide Cap of 40,000 points per quarter, expiry of 2 years from date of issue Earn 1 mile

30 spent on all Miles programs Miles Rewards on Vacation Lifestyle MasterCard credit cards --Travel to 13 most popular Caribbean,

VISA Signature and VISA Infinite credit cards --Travel worldwide and use rewards for hotels and car rentals on the First Citizens

4 REWARD PROGRAMS Certificate Reward Program Miles Rewards Cash Back Rewards Earn 2% on purchases at Travel and Entertainment merchants and 1% at Non Travel and Entertainment merchants Receive quarterly certificates which can be redeemed at approximately 140 merchants with 300 locations nationwide Cap of 40,000 points per quarter, expiry of 2 years from date of issue Earn 1 mile for every TT$6.30 spent on all Miles programs Miles Rewards on Vacation Lifestyle MasterCard credit cards --Travel to 13 most popular Caribbean, North American and UK destinations --Cap of 80,000 miles per year; no expiry of miles Miles Rewards on VISA Platinum. VISA Signature and VISA Infinite credit cards --Travel worldwide and use rewards for hotels and car rentals on the First Citizens Ultra Rewards Miles Program --Cap of 250,000 miles per year, miles expire on the December 31st of the 4th year after which the miles were earned Earn 0.75% back on your purchases, credited to your credit card account monthly Cap of TT$32,000 cash back per year

For Additional Information, Please Contact A First Citizens Branch At: Corner Hollis Avenue & Woodford Street, Arima Tel.: 667-1523 Fax: 667-4245 Market Street Extension, Chaguanas Tel.

5 For Additional Information, Please Contact A First Citizens Branch At: Corner Hollis Avenue & Woodford Street, Arima Tel.: Fax: Market Street Extension, Chaguanas Tel.: Fax: Southern Main Road & Noel Street, Couva Tel.: Fax: South Trunk Road, Gulf View, La Romain Tel.: Fax: Independence Square, Tel.: Fax: Southern Main Road, Marabella Tel.: Fax: Maraval Road, Tel.: Fax: Montrose Main Road, Chaguanas Tel.: Fax: Corner Park & Henry Streets, Tel.: Fax: Southern Main Road, Point Fortin Tel.: Fax: Atlantic & Orinoco Drives, Point Lisas Industrial Estate, Point Llsas Tel.: Fax: High Street, Princes Town Tel.: Fax: Corner High & Penitence Streets, San Fernando Tel.: Fax: Eastern Main Road, Sangre Grande Tel.: Fax: Eastern Main Road, San Juan Tel.: Fax: High Street, Siparia Tel.: Fax: One Woodbrook Place, 189 Tragarete Road, Tel.: Fax: St. Vincent Street, Tel.: Fax: Eastern Main Road, Tunapuna Tel.: Fax: Diego Martin Main Road, Diego Martin Tel.: Fax: Movie Towne Financial Centre, Invaders Bay Tel.: Fax: Penal Rock Road, Penal Tel.: Fax: Bureau De Change, Piarco Tel.: Fax: Lower Milford Road, Tobago Tel.: Fax: Carrington Street, Scarborough Tel.: Fax: The Courtyard, Windward Main Road, Roxborough Tel.: Fax: FIRST ( )

The TT$ Income Fund is an investment opportunity if you want:

The TT$ Income Fund is an investment opportunity if you want: Government fixed income securities Corporate fixed income securities Cash and short-term investments No withdrawal penalties for over the counter