Investor Presentaiton

8 The current two-layer governance framework needs to evolve further. Layer One: Legal / Regulatory Layer Two: PG 區 Company Specific Codes Central Bank of Trinidad and Tobago Commissioner for Cooperative Development - Ministry of Labour Securities and Exchange Commission BATT Code of Banking Practices ATTIC Code of Conduct Central Bank Act Cooperative Societies Act Securities Industries Act Financial Institutions Act Insurance Act Companies Act Money Lenders Act Corporate Governance Code (2013) Company Bye-Laws / Internal Procedures 10 10

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