Buying & Selling Prices as at November 19, 2008

Money Market Fund

• Is for the investor who prefers risk free investments.
• Has rates that are generally higher than bank rates
  
• Is SECURE - all investments are Government of Jamaica Securities.
  
• Semi Annual statements are provided to all account holders, and on demand.
  
• Governed and secured by a Trust Deed.
  

Capital Growth Fund

• For the investor who is investing for the long run (three to five years) and is interested in providing a hedge against inflation.
  
• Comprised of Blue Chip Stocks
• Excellent performance results
  
• Statements provided semiannually and o demand to all account holders
  
• Governed and secured by a Trust Deed
  

Long Term Savings Account(LSA)

In addition to our tax free Capital Growth Fund, if a principal amount of $1,000,000 or less is invested in the Money Market Fund for five years, interest is paid tax free.

• 75% of the interest earned can be with drawn monthly.
• Over five years a total of $5,000,000 or a maximum of $1,000,000.00 per year can be saved tax free*
• Governed and secured by a Trust Deed
  

* If the principal is withdrawn before five years, the standard tax rate of 25% will apply to all gains.

The Benefits Of A Trust Deed

Trust Deeds: This means that in the (unlikely) event of either Barita Unit Trust Management Limited or the Trustee - First Caribbean International Securities Ltd. going out of business, account holders will receive 100% of their investments plus gains to that point in time.

This is very advantageous when compared to other deposit-taking financial institutions that are only covered by depositors insurance, where the maximum reimbursement to individuals would $300,000 in the event of the institution's failure.

At Barita, you may be assured that your investment is protected and secure.