BIGGER BENEFITS FOR YOU! Think Outside The Bank A VISA CARD WITH A DIFFERENCE THAT GIVES YOU MORE AT AFFORDABLE RATES NEW

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1 NEW CHIP AND PIN TECHNOLOGY PROVIDES ADDITIONAL PROTECTION AGAINST FRAUD! BIGGER BENEFITS FOR YOU! A VISA CARD WITH A DIFFERENCE THAT GIVES YOU MORE AT AFFORDABLE RATES

2 Globe Finance Inc. has forged a partnership with BARP to give you more: Features & Benefits Minimum credit limit of Bds$3000 is assigned on approval. Repayments at very competitive interest rates. 24/7 Customer Service Assistance. Secured with the CHIP technology. Reward options available for purchases made, with special incentives to shop at BARP approved merchants. Transfer of balances on approval. Offers Sagicor Creditor Life Insurance coverage. Emergency card replacement. Monthly statements with itemized transactions. Accepted Worldwide for purchases and Cash Advances.

3 Classic Gold Platinum Annual Fee $25 $45 $200 Additional Cardholder Fee $25 $45 $200 Interest Rate 16% 14% 12% Over-Limit Fee $25 $25 $25 Late Fee $20 $20 $20 Card Replacement $20 $20 $20 Cash Advance Charge 5% 5% 5% (Charge is per transaction with a minimum charge of $5) Minimum Payment 3% 5% 5% (Of Statement Balance) These fees and charges are subject to change at the discretion of Globe Finance Inc. Loyalty Rewards Programmes All cardholders are automatically enrolled in the Rewards Programmes. Classic Cardholders will receive an annual cash-back credit to their account, while Gold and Platinum Cardholders earn non-expiring reward points which are redeemed upon request. Additional reward points are earned when shopping is done at BARP affiliated Merchants. Platinum cardholders are automatically enrolled in VISA Loyalty Rewards Programmes. Bonus Rewards Cardholders taking advantage of our low interest rates and transferring their credit card balances from other issuers will be awarded additional bonus points.** **Bonus Reward Points valid only on application.

4 What is a CHIP Card? Globe Finance Inc. introduces the CHIP and PIN technology to Barbados. This encrypted microchip, already used worldwide, provides a more secure payment system against fraudulent transactions and the counterfeit copying of the card. The Cardholder is now required to use a PIN (Personal transaction as the signature will no longer be required. CHIP Cards will continue to have the magnetic stripe on the back, which will ensure that your card will be accepted at those merchants that have not yet upgraded their point of sale terminals with the new technology. Transfer Your Balance Our Cardholders are encouraged to take advantage of our very low interest rates, rewards and benefits by transferring the balance* of their credit card. Approval is within 72 hours of request! *Special conditions do apply. Creditor Life Insurance Provides extensive coverage against untimely death, by repaying the outstanding balance (maximum Bds$15,000), of the Credit Card. Premium rates offered with minimum monthly payments of Bds$3.00. Payment Methods Walk-ins at Globe Finance SURE-PAY Online Payment at The Bank of Nova Scotia, CIBC FirstCaribbean International Bank and First Citizens Bank (Barbados Ltd)

5 Additional Products Globe Foreign Exchange Services: As an authorised Foreign Exchange Dealer (US$ only) we offer competitive rates and fees for processing incoming and outgoing Wire Transfers and Banker Drafts. All Central Bank regulations do apply. Safety Deposit Boxes: A safe, easily accessible place for your valuables and documents. Being offered in a variety of sizes, with competitive rates and discounts for BARP Members. Globe Fixed Deposit Accounts: BARP members earn more attractive rates of up to.5% above our regular rates. Globe Goal Deposit Account: A special term deposit that increases your interest rate as your balance increases. There is an agreed monthly deposit and no withdrawals are made during the life of the deposit. Loan Products & Services: BARP members receive 1% below Globe s prime rate with fees on the following loans : Real Estate Vehicles Home Improvement Travel Debt Consolidation Insurance Revolving Loans

6 Overview ABOUT Globe Finance Inc 51% owned by Sagicor Life Inc and 49% owned by Goddard Enterprises Ltd., Globe Finance Inc is a wellcapitalized company with a customer-centric approach to financial services. The partnership between BARP and Globe is designed to give you so much more including: Better than market rates Introducing the Globe Finance Inc. / BARP Credit Card to those Barbadian citizens who are Members of the Barbados Association of Retired Persons, providing a choice of VISA Classic, Gold or Platinum with 24/7 Customer Service Assistance. We will continue to provide BARP Members with great benefits and incentives, along with the security of the latest technology with the introduction of the CHIP cards, in addition to competitive rates and multiple payment methods. Monday - Friday 8:00am-4:30pm Saturday 9:00am - 1:00pm PBX: (246) Card Centre (Direct): (246) Shirley House, Hastings Main Road, Christ Church Visit us on: cardservices@globefinanceinc.com *Member of the Barbados Deposit Insurance Corporation