1. Caribbean Association of Banks 16 April 2016 Private and Confidential1

2. Mike Symes Director, Business Development Michelle Feeley Head of Client Services Private and Confidential2

3. Agenda 1.Crown Agents Bank – Overview and ownership 2.Crown Agents Bank and the Caribbean 3.Crown Agents Bank – De-risking and the Solution 4.Next steps Private and Confidential3

4. Ownership Until 31 March 2016, Crown Agents Bank was owned by Crown Agents Limited (an international supply chain, consultancy and financial services company since 1833). As of that date the Bank is now owned by funds advised by Helios Investment Partners, a private equity firm authorised by the Financial Conduct Authority in the UK. Investors in Helios funds include the IFC, CDC, OPIC, pension funds and sovereign wealth funds. Private and Confidential4

5. Clients Central banks Commercial banks Development banks Governments Corporates NGOs Bilateral and multi-national donors Private and Confidential5

6. Products International payments Global Pensions administration & Payments Foreign exchange Exotic currency transfers Money market Trade finance Export credit finance Private and Confidential6

7. Caribbean Clients We have worked with many entities in the Caribbean including: 9 central banks 19 commercial banks 19 governments Plus a development bank and several corporate clients throughout the region Private and Confidential7

8. De-risking – A Solution Crown Agents Bank’s change of ownership positions us to compete more effectively from a stronger capital base with a private equity firm behind us which manages funds in excess of USD3 billion. Our strategy for the Caribbean is to build on our reputation as a trusted and reliable bank throughout the Caribbean by expanding our network of correspondent banking relationships in the region and offering a high quality service geared to the needs of our clients. Specifically, we are responding to numerous requests to support banks that are affected by the so called de-risking strategies of the larger banks. We have been active in the Caribbean for decades – As other banks are retreating, we are advancing - and we are here to stay! We want to be your correspondent bank who you can depend on for the long term. Private and Confidential8

9. KYC There are no shortcuts to KYC and KYCC and we do this to the highest international standards. With close collaboration this can be done efficiently and effectively. We need to do a thorough evaluation of each client to ensure that the client will fit with our business model. Compliance and the on-boarding of clients is costly so we need to justify each relationship. What we require from you: 1.Your business profile and detailed information on your clients as well as payment volumes and expected inward remittances (detailed list of information provided separately) 2.Comprehensive documentation, which will be subject to onsite inspection from our Compliance team (See checklist supplied separately) Private and Confidential9

10. KYC We are authorised by the Prudential Regulation Authority (PRA), and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority in the UK. In addition, industry guidance in the UK on anti-money laundering is provided by the Joint Money Laundering Steering Group (JMLSG) and the Financial Action Task Force (FATF). We therefore have to comply with very strict guidelines when carrying out correspondent banking for clients in order to be compliant. Private and Confidential10

11. Please visit our website: www.crownagentsbank.com Mike SymesMichelle Feeley Director, Business DevelopmentHead of Client Services April 2016 Private and Confidential11