You Can Choose From:

1. Universal Retirement Fund A fund where both you and your employer can contribute.

2. Individual Retirement Unit Account Your personal supplemental retirement savings, with tax-free withdrawal.

3. Pensions Plus Get the added benefit of tax deductions on your contributions.

Fund Inception date: November 28th, 1997

UTC as Fund ManagerThe Trinidad and Tobago Unit Trust Corporation (UTC) is the Fund’s investment manager and distributor. We have been the nation’s leading fund manager for over 30 years with more than 500,000 investors, and billions of dollars under management.

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All withdrawals from the URF will be subject at all times to the laws of Trinidad and Tobago. Withdrawals are permitted upon satisfying any one of the following conditions:

• Death. In case of death of the participant the value of the account is paid to the beneficiary

A concept so simple yet so powerful. One of the easiest ways to build your retirement savings is through long term growth investments. When you invest regularly in a growth instrument, your income accumulates quickly, so there is more money to make money, and so your investment grows.

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UTC CORPORATE OFFICESHead OfficeUTC FINANCIAL CENTRE82 Independence Square, Port of SpainTel: (868) 625-UNIT (8648) • Fax (868) 624-5207Email: news@ttutc.com • Website: www.ttutc.com

Investment CentresArima44 Green Street Tel: (868) 667-UNIT (8648)Fax: (868) 667-2586 Chaguanas26-28 Endeavour Road, Tel: (868) 671-UNIT (8648) Fax: (868) 671-6581 Couva26 Southern Main RoadTel: (868) 636-9871 Fax: (868) 636-4750 One Woodbrook PlaceUnit 27, 189 Tragarete Road, Port of Spain Tel: (868) 625-UNIT (8648) Fax: (868) 628-4879

Point Fortin13 Handel RoadTel: (868) 648-6836Fax: (868) 648-2997San Fernando19-21 High StreetTel: (868) 657-UNIT (8648)Fax: (868) 652-0620 Sangre GrandeSinanan Building, 2 Eastern Main RoadTel: (868) 691-UNIT (8648) or 668-6475Fax: (868) 668-3872 TobagoCorner Main and Castries Streets, ScarboroughTel: (868) 639-5096/3921Fax: (868) 660-7730

AgenciesEve Financial Services LimitedUTC Agency – MovieTowne 61 Level 2MovieTowne BoulevardInvader’s BayAudrey Jeffers HighwayPort of SpainTel: (868) 223-6805/6517Fax: (868) 223-6728Eve Financial Services LimitedUTC Agency – WestmallShop 174, The Falls, Westmall Western Main Road,WestmooringsTel: (868) 223-9151/9152GMF Investments & Financial Planning Services LimitedUTC Agency – Maraval21 Shoppes of MaravalSaddle Road, MaravalTel/Fax: (868) 628-0809 Keith M. KingUTC Agency – ChaguanasUnit 11, Heartland Plaza12 Narsaloo Ramaya Road, EndeavourTel: (868) 227-9508 (868) 223-1029Michael RedheadUTC Agency – Pointe-a-PierreSuites 11&12Tropical Plaza, Pointe-a-PierreTel/Fax: (868) 658-SAVE (7283) (868) 658-7340

Opufin Limited UTC Agency – Champs Fleurs100A Eastern Main Road,Champs FleursTel: (868) 645-UNIT (8648)Fax: (868) 645-8185 Opufin Limited UTC Agency – Grand BazaarShop No. 3 Building AGrand Bazaar, ValsaynTel/Fax: (868) 663-UNIT (8648)Unique Investments LimitedUTC Agency – TrincityUnit B2 15 Level 2, Trincity Mall, TrincityTel/Fax: (868) 640-8589 Superior Wealth & Advisory Services Limited UTC Agency – Penal/Debe2nd Floor, 216 S.S. Erin Road, DebeTel: (868) 647-2721/2201Fax: (868) 647-2201 Superior Wealth & Advisory Services Limited UTC Agency – C3 Centre, San FernandoLevel 1, C3 CentreCorinthTel: (868) 687-UNIT (8648) (868) 657-9999