First Citizens Investment Services

BBD Fixed Income Paper (FIP)

Our Market leadership in Repurchase Agreements is testament to the peace of mind and flexibility that this product offers. Our attention to asset quality, flexible timeframes and competitive returns are hallmarks of our Fixed Income Product.

Benefits:

• Securities pledged with the Central Bank of Barbados/Trustees of Corporate Bonds
• Competitive rate of return
• Relatively low risk (refer to the brief description of risk outlined in Risk Disclosure section)
• Fixed rate of return
• Low initial minimum investment of BBD $15,000.00
• No fees
• Upon maturity, your funds can be paid via an Automatic Clearing House (ACH) payment and cheques.

Click here to download our full Prospectus on EC Fixed Income Paper Investments / Repurchase Agreements

Local Brokerage Services

We actively trade in equities through our branch, First Citizens Investment Services Ltd – Barbados — a member of the Barbados Stock Exchange (BSE), thereby ensuring that we provide a complete range of services which
cater to your investing needs.

Commissions and Fees

• BDS $1.00 to $10,000.00 a commission charge of 2% of the value is applied.
• BDS $10,001.00 to $25,000.00 a commission charge of 1.5% is applied.
• BDS $25,001.00 and above a commission charge of 1% is applied
• BSE charges a commission fee of 0.25% on the value of the shares.
• BSE charges a commission fee to the seller (only) of 0.10% of the nominal value of the bond or a minimum of $10.00
• FCIS’ Brokerage fee for bond transactions is 0.5% of the nominal value of the bond.

Global Investment Solutions

First Citizens Investment Services Limited has partnered with Pershing LLC, a Bank of New
York Mellon subsidiary, and the industry’s leading business solutions provider to bring you
international trading access at your fingertips through a robust, user-friendly platform.

Benefits

1. Secure method of trading on your own in US markets
2. Access to equity and bond instruments on the US, Canada andother international markets
3. Low initial account minimum of US $3,500*
4. Option to trade on your own or with guidance

^{*Don’t have USD, but another available hard-currency? Contact one of our Wealth Management personnel to get advice on how to proceed.}

Fees

Trading on your own (US markets only)

• 0.65% of the value of the trade with a US $35 minimum
• US $2 custodian fee for securities held in a non-US market per month
• US $100 re-activation fee

^{Trading with guidance (US and most international markets)}

• 0.95% of the value of the trade with a US $35 minimum
• US $2 custodian fee for securities held in a non-US market per month
• US $100 re-activation fee

Managed Accounts

A portfolio of investments created especially for you with your financial goals and
needs in mind. We assess your risk appetite along with your investment time
horizon and recommend a portfolio that you are comfortable with.

Benefits:

• Expert management by a team of professional portfolio managers and analysts
• Diversification through asset allocation and access to global markets
• Assignment of a dedicated Wealth Manager for consultation on your portfolio

Fees:

• From 1.5% per annum

Minimum investment: US $146,500.00

Global Managed Portfolios

First Citizens Global Managed Portfolios give you an intuitive and integrated experience made to offer:

• Expertise
• Options
• Access
• A dedicated Investment Associate assigned to your account
• 1.5% per annum with a minimum of USD $100.00