Dear Valued Customer,

I hope you and your families are safe and well. 1^st National Bank recognizes the impact of COVID-19 on all of us, in particular you our valued customer, your family and community. During this pandemic we want to reassure you that as your local financial partner we continue to be here… for YOU! Therefore, with that in mind we have designed our 1st National Bank COVID-19 relief package.

Our relief package is available to you upon request in the event that you have been adversely impacted by the COVID-19 pandemic.

Details of our relief package is outlined below:

• • Moratorium on loan repayments for up to six (6) months on all loans including mortgages
• • Automatic waiver on late fees on loan repayments for six (6) months
• • Automatic waiver on late and over the limit fees on credit cards for (6) months
• • Temporary increase in credit card limit
• • Waiver on over the limit fees on overdrawn current accounts
• • Temporary increase in overdraft limit
• • Temporary revolving or working capital financing options for Corporate and Medium Small Micro Enterprises (MSME) clients
• • Debt restructuring
• • Waiver of 50% of monthly rental fees for point of sale (POS) terminals

Note: there are no fee adjustments to our ATM and E-banking services which include Online Banking and Mobile Banking as these remain free for your convenience.

These are challenging times which will provide a true test of our resilience as a people and our ability to adjust to the new economic realities. This current situation is unprecedented and requires each one of us to play our part for our personal survival and that of our country.

1^st National Bank is here for the long haul, this is our home and we pledge our continued support to you our loyal and valued customer and by extension Saint Lucia. We are in this together and encourage you to dialogue with us on any concerns, fears and anxieties that you may have during this time of COVID -19 impact. It is critical that we remain calm and make all the adjustments and sacrifices necessary to beat COVID-19.

It is imperative that we adhere to the instructions from the Ministry of Health and Wellness through the Chief Medical Officer and continue to practice good hygiene and social distancing.

1^st National Bank stands ready to support you as we are confident that as your steadfast financial partner, we can help you cultivate financial peace of mind during this time of unprecedented disruption.

To facilitate your request for a moratorium kindly apply using the link below.

1^st National Bank pledges to be Here… for YOU! Always.