DFL Caribbean Holdings Limited

DFL Caribbean Holdings Ltdis the parent company of the subsidiaries of theDFL Caribbean Group which include:

Development Finance Ltd (www.dflcaribbean.com)

Caribbean Development Capital Limited (www.devcapital.com)

DFL SA Incorporated (www.dflsa.com )

Microfin Caribbean Holdings Ltd (www.microfin.org)

CDN Management Services Limited. (www.cdnms.com)

The Group focuses on specialized enterprise development activities in theCaribbean, providing financing, technical resources and partnerships for the development of Micro, Small and Medium-Sized Enterprises. Caribbean firmsface a number of challenges within the global environment, including sizeand access to resources. The Groups role is to assist in the development ofSME, helping them to grow and create linkages across the region. We areproud to support a tradition of entrepreneurship which is over two hundred years old in the region. Our client base ranges from micro enterprises to the SME sector.

Development Finance Ltd (DFL) which has an international credit rating of BBhas been in existence for 35 years. DFL is dedicated to lending to SMEs inthe Caribbean.

Caribbean Development Capital makes private equity investments and venturecapital investments in the Southern and Eastern Caribbean.

DFL SA is a licensed financial institution with offices in Guyana andSuriname which provides loans to Small and Medium enterprises in thosecountries.

Microfin Caribbean Holdings Ltd (MICROFIN) operates microfinancesubsidiaries in Trinidad, St. Lucia and Grenada. It is a regionalmicrofinance institution with provides loans to owners of microenterprises inthose countries.

CDN Management Services Ltd provides professional, managerial and technicalservices to the subsidiaries within the Group. The Company also providesproject management services on behalf of International Donor Agencies whoseprograms are dedicated to SME.