1. CENTRAL FINANCE FACILITY FINANCIAL REPORT AGM NOVEMBER 21 ST, 2012

2. Comparative Statements of Financial Position ($m) $% Jun-12Jun-11Variance Total Assets87.986.81.11.3% Current Assets71.737.634.190.7% Loans & Advances13.99.44.446.8% Total Liabilities91.489.51.92.1% Share Capital 3.0 2.8 0.27% Retained Earnings3.62.70.831%

3. Comparative Statements of Comprehensive Income ($m) $% Jun-12Jun-11Variance Gross Income1.2981.0440.25424.3% Interest on Members' Deposits1.5992.0650.46622.6% Net Interest Income (0.30) (1.02)0.72170.6% Other Income0.1540.140.01410.0% Total Net Income (0.15) (0.88)0.73583.4% Operating Expenses0.7220.7780.0567.2% Net Loss0.8431.6290.78648.3%

4. CURRENT INCOME STATEMENT YTD*** July'12-Sep'12July'11-Sep'11% Growth (TT$) Interest Income 422,095 355,65218.7% Interest on Members Deposits (372,464) (361,261)3.1% Net Interest Income49,630(5,609) Other Income 164,860 9,1711697.5% Total Net Income214,4913,563 Operating Expenses 208,541 162,84728.1% Realised Loss - - 208,541162,84728.1% Profit attributable to Shareholders5,950(159,285)

5. Comparative Statements of Comprehensive Income 2012 20112010 Sept.June Interest Income 422,095 1,297,907 1,043,943 1,863,507 Interest on Members Deposit (372,464) (1,598,520) (2,065,056) (3,359,585) 49,631 (300,613) (1,021,113) (1,496,078) Other Income 164,860 154,302 140,132 105,023 214,491 (146,311) (880,981) (1,391,055)

6. Comparative Statements of Comprehensive Income – continued YTD*** July'12-Sep'12July'11-Sep'11% Growth (TT$) Expenses 208,541 721,795 778,277 Operating deficit 5,950 (868,106) (1,659,258) Impairment of Accrued Interest - - - Reversal of Accrued Int. on Deposit - - - - (868,106) 1,659,258 Unrealised Gain /(Loss) on Investment - 24,958 30,625 5,950 (843,148) (1,628,633)

7. BUDGET Budget YTDActual YTDBudget YTD Jun-12 Jun-13 Income Interest Income 4,514,525 1,297,907 1,995,000 Other Income 72,000 154,302 70,000 Commission 406,400 - - 4,992,925 1,452,209 2,065,000 Less: Interest on Members Deposits 3,939,480 1,598,520 1,575,000 Net Interest Income 1,053,445 (146,311) 490,000

8. BUDGET- continued Budget YTDActual YTDBudget YTD Jun-12 Jun-13 Expenses Annual General Meeting 20,000 37,562 40,000 Audit Fees 34,500 35,000 AML Expenses - - - Board Meeting Expenses 24,000 22,160 36,000 Cleaning 6,000 7,000 Contributions & Donations - 500 - Commission 260,000 - - CMMB/Guardian management fees - 7,690 - Depreciation 19,824 12,166 20,000

9. BUDGET- continued Budget YTDActual YTDBudget YTD Jun-12 Jun-13 Expenses Directors Perquisites 22,200 26,200 36,000 Electricity 7,200 10,940 18,000 Finance and Bank Charges 24,600 13,933 18,000 Legal Fees - 19,000 - Marketing Expense - 4,840 - Office Repairs & Maintenance 21,600 20,933 30,000 Office Expenses - 10,206 - Professional Services 345,000 360,000 Promotions 44,200 200 60,000

10. BUDGET-continued Budget YTDActual YTDBudget YTD Jun-12 Jun-13 Expenses Rent 74,620 69,453 132,000 Special General Meeting - - Stamps and Postage - 304 - Stationery 14,200 2,636 35,000 Telephone and Communication 24,000 24,870 35,000 Training and Development - 2,760 12,000 Travelling 3,000 8,630 66,000 959,344 721,795 960,000 Surplus 94,101 (868,106) (470,000)