Harold S. Dickenson Jr Professional Graphic Design Portfolio 2010 by Harold Dickenson Jr

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MBS NUTRITION ART COMPETITION

PAN Play Better

Think Better Breathe Better

I am

Sleep Better

Medical Bene fits Scheme

my Best

Learn Better Eat Better

Look Better of istry Min ation Educ

PROJECT

RULES AND REGULATIONS ART GUIDELINES 1. Must be an original piece, with a vertical or horizontal design of 18” wide by 24” tall. 2. Must be hand drawn or painted in ink, watercolour, coloured pencil, acrylic, oil or mixed media. No computer rendered artwork will be considered. 3. Must relate to any of these principles: a. Correct serving sizes of foods from food groups b. Relationship between chronic noncommunicable diseases (e.g. Type 2 Diabetes) and healthy food choices. c. Making healthy choices (e.g. eating fruits and vegetables, no junk food) 4. Previously published artwork, or artwork that is pending publication or any that has won a previous award is not eligible.

ENTRY GUIDELINES Competition is open to primary school students only. An entry form must be filled out completely and hand delivered, along with the art entry, at the front desk of the main office of the Medical Benefits Scheme on Nevis Street, St. John’s, Antigua between Monday to Thursday 8:00 a.m. to 4:15 p.m. and Friday between 8:00 am and 4:00 p.m. All entries are due no later than 4:00 p.m. on Friday, March 6th, 2009.

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MBS CYCLE OF LIFE FAMILY FUN DAY

FUN RIDES FOR FAMILY The events of the Cycle of Life Baby Stroller Walk, Family Relay, Tyre Race, Obstacle Course Race, Adults and Children Races, Cycle Race, Special Olympics.

This is a free event. Registration at MBS on Nevis Street is now open. Registration for the Cycle of Life closes June 9.

Medical Benefits Scheme

Get in the Groove make heart smart moves! Details

UN RIDES FOR FAMILY

he events of the Cycle of Life

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ABI BANK MOBANKING CARNIVAL ADVERT

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PORTFOLIO | HAROLD S. DICKENSON JR | Advertising

ABI TRUST LTD. INTERNATIONAL FINANCIAL MANAGEMENT ADVERT

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of every home and every changesbusiness thatin every it corner took to get usus remember thusthose far. Let unparalleled service and of Antigua and who we’ve lost and those commitment to the people of Barbuda. We have illuminated, energized who have moved on. Let us thank God for Antigua and Barbuda, we have us come to and nourishedthose lives while keeping granting us the and wisdom tothose accomplish our y corner of Antigua and remember whothatwe’ve lost embrace that our mandate is not easy but communication line open. Through goals, nestled comfortably as feathers in our it is a challenge that we wish to undertake. the years we’ve assisted the community, of successes through the years. ave illuminated, energized who have moved on. Let uscapthank God for Ultimately it is that commitment to people culture, education, sports and the youth. and country that undoubtedly makes us We have always soared beyond the call of Forging ahead together as a nation, under ves while keeping better that grantingdutyus the to accomplish our human beings. because it’s inwisdom our nature. the umbrella of His guidance and blessing, APUA anticipates forward and new Like all developing societies and So as we come comfortably together as a nation to refreshingly brilliant ideas and line open. Through goals, nestled asthinking, feathers in our technologically evolving communities, celebrate ‘One Family, reviving our national innovative concepts as we prepare to begin the Authority has managed to transform pride, let us reminisce on where we came while recommitting ourselves to the assisted the community, cap of successes through thereshape years. with the times. APUA is proud to be from and the struggles and developmental people we serve. 7 on, sports and the youth. soared beyond the call of Forging ahead together as a nation, under in our nature. the umbrella of His guidance and blessing, ith over 35 years of providing

ogether as a nation to amily, reviving our national nisce on where we came uggles and developmental Details

an integral part of every home and every

changes that it took to get us thus far. Let

APUA anticipates forward and new thinking, refreshingly brilliant ideas and innovative concepts as we prepare to begin Our Nation, Serving to Ourthe People reshape whileBuilding recommitting ourselves people we serve.

providing life’s necessities

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MBS SCHOOL HEALTHY RECIPE COMPETITION

Medical Benefits Scheme

SECONDARY SCHOOLS

$MART DOLLAR HEALTHY RECIPE COMPETITION 2011

l Benefits Scheme

SECONDARY SCHO Deadline for submission of entry forms: Friday, 4th February 2011

$MART DOLLA Judging of completed dishes: Friday February 11th, 2011

HEALTHY RECIPE COMPETITION8 2

Deadline for submission forms: Friday, 4th Februa

Judging of completed Friday February 11t

Entry forms are available from the Medical Benefits

Scheme on Nevis Street; www.mbs.gov.ag or your teacher. Prizes will be awarded for 1st to 3rd place in each category: Breakfast, Lunch, Dinner, Dessert/Beverages.

Details

PORTFOLIO | HAROLD S. DICKENSON JR | Annual Reports

ABI BANK 2006 ANNUAL REPORT

9 Sample Pages

PORTFOLIO | HAROLD S. DICKENSON JR | Annual Reports

COMMUNITY FIRST 2008 ANNUAL REPORT CreDiT CoMMiTTee rePorT (CoNT)

CO-OPERATIVE CREDIT UNION LTD.

2008 Annual Report 10

termination of the Christmas Loan Product. There was however, a significant increase in the dollar value that was paid out. This figure moved from EC$19,128, 865.04 in 2007, to just under EC$28.8 million dollars in 2008, a 50% increase. Loans for mortgages and property purchases moved from just under EC$1.6 million to EC$7,669,285.03. Vehicle loans also increased from EC$5 million to EC$7.188 million dollars. There was also an increase of approximately EC$698,000 in business loans disbursed, as CFCCU continues to assist small businesses in Antigua and Barbuda.

LOAN PURPOSE Building Expenses

Loans Approved in 2007 No. % Total (EC$) 164 15.26 $2,918,668.89

Loans Approved in 2008 No. % Total (EC$) 131 9.75 $2,809,131.40

Vehicle Expenses

201

26.22 $5,014,801.22

248

25.06 $7,217,154.42

30.52%

Travel Expenses Rescheduled Loans

300 13

9.28 1.93

$1,774,554.55 $368,577.53

307 8

6.59 0.97

$1,897,343.53 $278,845.53

6.47% -32.18%

Educational Expenses Amalgamated

85 8

7.56 0.37

$1,446,486.03 $70,129.00

83 31

5.72 2.19

$1,647,607.41 $631,777.77

12.21% 88.90%

DISBURSEMENT BY GENDER AND AGE In 2008 four hundred and sixty-five (465) males and eight hundred and thirty-two (832) females were granted loans by the credit union. Females continue to make up the larger percentage of borrowers.

Land Purchase Consolidated Debt

36 44

6.83 4.10

$1,306,015.53 $784,403.08

35 45

6.09 3.33

$1,752,930.58 $957,676.94

25.50% 18.09%

Medical Bills

1.40

$267,397.68

1.37

$395,773.57

32.44%

Other Bills Mortgage/Property Purchases

176 23

4.88 8.00

$932,589.79 $1,529,882.04

187 70

3.91 $1,125,826.57 26.63 $7,669,285.30

Business Loans

6.68

$1,277,067.80

6.86

$1,975,411.05

35.35%

Furniture and Appliances Equipment Purchases

32 11

1.90 0.29

$364,181.00 $55,204.16

27 9

0.95 0.57

$273,267.00 $163,650.00

-33.27% 66.27%

Christmas Totals

244 5.33 1436 100

$1,018,906.74 $19,128,865.04

1 0.01 1297 100

The (36-40) age bracket continues to be the highest number of borrowers with two hundred and twenty-two (222) persons. They are followed by the (41-45) age bracket and the (31-35) age bracket having two hundred and six (206) and one hundred and ninety-nine (199) borrowers respectively. In terms of dollar value however, the 31-35 age bracket borrowed the most money in the amount of EC$5,052,882.10. This age bracket also borrowed the most in 2007. Please refer to the table below for other statistics. Age (yrs) 1-18 19-25 26-30 31-35 36-40 41-45 46-60 51-60 61-70 71 & Over Total

# of Borrowers 2 129 164 199 222 206 167 177 29 2 1,297

Amount Borrowed ($) $8,400.00 $2,334,422.85 $4,323,003.53 $5,052,882.10 $4,613,383.74 $3,855,137.28 $3,198,238.64 $4,691,433.01 $614,955.69 $104,254.08 $28,798,112.92

Percentage 0.03% 8.11% 15.01% 17.55% 16.02% 13.39% 11.11% 16.29% 2.14% 0.36% 100%

$2,431.85 $28,798,112.92

-41798.42%

Vehicle | 26%

Business | 7

Business | 13%

Christmas | 0.01% Vehicle | 25%

Personal | 24%

Real Estate | 30%

Education | 8%

Personal | 14%

2007 loans Categories Summary Vehicle Personal Education Real Estate Business Christmas Total

17.16% 80.05%

2008 loans Categories

Christmas | 5% %

LOANS GRANTED BY PURPOSE Travel loans were again the most requested loan in 2008 making up 23.67% of loans disbursed. This was followed by vehicle loans with two hundred and forty-eight (248) or 18.74%. The highest category in terms of dollar value remains vehicle expenses, making up 25% (EC$7, 217,154.42) of loans granted. Important to note is the significant increase in Mortgage Loans granted. Fifty-seven (57) mortgage loans at the value of $6,602,955.39 and Thirteen (13) property purchase loans at the value of EC$1,066,329.91 were disbursed in 2008 compared to thirty-one (23) loans at the value of EC$1,529,882.04 in 2007. See the following two tables for further details.

Variance -3.90%

Real Estate | 42%

2007 Actual Amount (EC$) 2008 Actual Amount (EC$) $5,014,801.22 26% $7,217,154.42 25% $4,561,832.63 24% $3,971,056.20 14% $1,446,486.03 8% $1,647,607.41 6% $5,754,566.46 30% $12,231,347.28 42% $1,332,271.96 7% $3,728,515.76 13% $1,018,906.74 5% $2,431.85 0.01% $19,128,865.04 100% $28,798,112.92 100%

Education | 6%

Budget 2008 Amount (EC$) $6,000,000 27% 3,500,000.00 16% $1,500,000.00 7% $9,000,000.00 41% $2,000,000.00 9% $0 $22,000,000 100%

CfCCU lTD: PeArlS PrUDeNTiAl rATioS Protection P1

Allowance for Loan Losses/Delinquent- 12 mths

Net Allow. For Loan Losses/Delinquent: 1-12 mths

Solvency

CreDiT CoMMiTTee rePorT

Goals

Dec-08

Dec-07

100% or Charged off (c/o)

100.0%

35.0%

119.5%

122.3%

35% Greater than or Equal 110%

Effective E1

Net Loans/Total Assets

70%-80%

71.0%

63.2%

Liquid Assets/Total Assets

Max 20%

15.6%

21.5%

Savings Deposits/Total assets

70%-80%

82.2%

81.2%

Borrowed Funds/Total Assets

Max 5%

1.1%

2.5%

Member Share Capital/Total Assets

Max 20%

3.1%

3.0%

Institutional Capital/Total Assets

Min 10%

11.6%

15.5%

INTRODUCTION The Credit Committee once again takes great pleasure in presenting its Annual Report for the year ended December 31, 2008. The committee meets on Monday afternoons. During this period applicants referred by the loans department are interviewed, loans already approved “in-house” are reviewed and other requests are discussed, approved/declined. The committee consists of Mrs. Genevieve Gomes (Chairperson), Mr. C. Ambrose Byron (Secretary) and Miss Esther Gregory (Member).

Credit Committee members

Asset Quality A1

Total Delinquency/Total Loan Portfolio

Less than or equal 5%

2.6%

3.8%

Non-earning Assets/Total Assets

Less than or equal 5%

12.9%

17.1%

Entrepreneurial Rate

Rates of Return and Cost

Still bringing the community closer together

Total Loan Income/Average Loan Portfolio

10.4%

10.5%

Liquid Assets Income/Average Liquid Assets

Market Rates

0.7%

2.7%

Fin. Investment Income/Average Financial Investments

Market Rates

7.1%

7.2%

Fin. Costs: Savings Deposits/Avg. Savings Deposits

Market Rates

3.3%

3.2%

Fin. Costs: Borrowed Funds/Average Borrowed Funds

Same or less than R5

7.2%

9.5%

Fin. Costs: Member Shares/Avg. Member Shares

Gross Margin/Average Assets

Operating Expenses/Average Assets

Greater than R4

3.9%

4.8%

Cover Oper. Exp. & Increase in S5

6.1%

5.9%

Less than 10%

5.1%

4.5%

R10 Provisions for Loan Losses/Average Total Assets

0.5%

0.8%

R12 Net Income/Average Assets

1.1%

1.3%

Minimum 15%

18.7%

26.0%

10%

19.5%

3.7%

2.0%

Liquidity L1

Liquidity Assets B.S.T. Payables/Total Deposits

Liquidity Reserves/Total Savings Deposits

Non-earning Liquid Assets/Total Assets

Less Than 1%

Signs of Growth S1

Loans

Liquid Investments

Greater than S11

33.6%

16.7%

Equal to S11

-12.6%

78.8%

Savings Deposits

Greater than S11

18.7%

26.7%

Borrowed Funds

Less Than S11

-48.6%

-12.0%

Member Shares

Greater than S11

21.5%

55.1%

Institutional Capital

Greater than S11

8.5%

19.1%

S10

Membership

Minimum 12%

10.8%

17.1%

S11

Total Assets

More than inflation

17.3%

23.8%

Genevieve Gomes

Curtis Byron

Esther Gregory

ATTeNDANCe reCorD Names Genevieve Gomes Curtis Byron Esther Gregory

Meetings Scheduled 46 46 46

Attended 42 45 26

Excused/Absent 4 1 20

MANAGeMeNT of loAN PorTfolio LOAN DISBURSEMENT Following its plan to utilize excess funds for the provision of more mortgages, Community First Co-operative Credit Union (CFCCU) disbursed loans for mortgages and property purchases to seventy (70) members during 2008 as compared to twenty-three (23) members in 2007. Assistance was given to two (2) members in the construction of apartment buildings. We take this opportunity to advise our members that they should not borrow if they are over the age of 70 years. One thousand, two hundred and ninety-seven (1297) loans were disbursed in 2008 compared to One thousand, four hundred and thirty-six (1436) in 2007. The reduction in the number of loans was partly related to the

PORTFOLIO | HAROLD S. DICKENSON JR | Annual Reports

COMMUNITY FIRST 2008 ANNUAL REPORT OUR VISION

OUR ROLE It is well established

The Antigua and Barbuda Investment Authority (ABIA) is the statutory

that governments

our country in order to attract domestic and foreign investment. The ABIA

organization created by the government of Antigua and Barbuda to promote

which facilitate and

was established by the Investment Authority Act of 2006 which became law

foster private sector

Building on Factory Road. Our primary mandate is as follows:

in November 2006. Our office is located on the ground floor of the Sagicor

development usually generate more productive

•

To promote Antigua & Barbuda as a premier investment jurisdiction

•

To compile and disseminate information on available investment opportunities

jobs for their people, reduce poverty, increase

•

To provide after-care services to new and existing investors

wealth and generate

•

To improve the investment climate of the country

more income for

•

To evaluate and approve applications for fiscal incentives to support investment projects

governments to fund their social obligations.

•

To monitor projects which receive fiscal incentives to ensure the country receives the expected benefits

•

To develop local entrepreneurs including the provision

This department is responsible for servicing the investor after a decision is made to invest in Antigua and Barbuda and will serve as a single point of contact for the investment. Services include: •

Assisting local investors wishing to expand or start new businesses

•

Facilitating the process of investors being issued investment certificates and appropriate incentives and concessions

•

Sagicor Financial Centre PO Box 80, No 9 Factory Road St. John’s, Antigua & Barbuda

Lestroy L. Samuel Executive Director

T D F E

1.268.481.1000 1.268.481.1012 1.268.481.1020 lsamuel@antigua.gov.ag

encountered in the process of establishment, operation and expansion •

This department is charged with ensuring that small and local businesses are provided with the opportunity to actively participate in the economy. Services include: •

Monitoring projects to ensure the benefits promised are delivered

Providing technical assistance for the development of small businesses and generating local investment

Assisting with the removal of barriers

ANTIGUA & BARBUDA INVESTMENT AUTHORITY

Enterprise Development

Antigua and Barbuda Land of Opportunity

Investment Facilitation

of training and business advisory services

•

Providing property solutions for the expansion of local business via the management of the government’s portfolio of factory shells at Coolidge Industrial Park

For Antigua and Barbuda to be a world class location for foreign and domestic investment, in order to create better and more fulfilling lives for its people.

PORTFOLIO | HAROLD S. DICKENSON JR | Annual Reports

COMMUNITY FIRST 2008 ANNUAL REPORT 6

Aug – OCT

Antigua and Barbuda Investment Quarterly

Aug – OCT

Financial Services

Priority Investment Segments for Antigua and Barbuda

Antigua

Barbuda

Investment Quarterly And

Produced by The Antigua and Barbuda Investment Authority

Investment

Opportunities

in Antigua and Barbuda

As native English speakers, Antiguans and Barbudans could escalate to the better-paid activities in technical call centres, business process outsourcing (BPO), international finance, international insurance and software development. The presence of the ABIIT, and the cadre of trained and certified technicians being produced, represents a strength on which to build. Prior to regulatory and legal challenges, the number of sports-book and gaming operators in Antigua and Barbuda was testament to the quality of people and telecommunications infrastructure which supported these operations. In fact, several thousand well trained employees and a marked increase in commercial space were by-products. This combination allows for a resur-

Tourism 1. Premium Resorts and developments 2. Attractions 3. Business Hotels 4. Convention Centres

gence of the internet gaming sector and for immediate upgrade to business process outsourcing. Additionally, being situated in the “heart of the Caribbean,” the twinisland nation can further exploit its potential in logistics, business support and financial services. To

Education 1. 2. 3. 4.

ICT Hospitality Medical Student Villas

Logistics 1. 2. 3. 4. 5.

Trans-shipping Storage Brokerage Repacking Infrastructure

Business Support Antigua and Barbuda, like any other country, is endowed with limited resources, financial and otherwise. It is, however, endowed with strengths such as natural beauty, mild weather, a friendly, courteous, English-speaking population, a central Caribbean location, as well as political and social stability. Our country is also an out-

ABIA

Antigua and Barbuda’s Investment Promotion Agency

standing tourist destination, with a legacy of beneficial foreign direct investment. The Free Trade and Processing Zone, with its existing capacity (available lands), and an institution devoted to information technology – The Antigua and Barbuda International Institute of Technology (ABIIT) - also serve as investment incentives. In addition,

OCT – dEC

Antigua and Barbuda Investment Quarterly

of Antigua And Barbuda in 2006 Real GDP Growth 2000 - 2006

11.5

Below we reproduce

highlights of the Government’s review of the economy’s performance

in 2006, as presented at

the July 2007 National

Economic Symposium.

5.22

5.31

4.31 3.27 1.53

2000

2001

2.01

2002

ian Richards Cricket Stadium, the Transport Board headquarters and infrastructural development. In the private sector, activity centered on constructing and expanding a number of hotels, condominiums and guest houses. Activity related to the building of residential properties remained at a high level. The expansion in overall construction activity was partly reflected in increases in commercial bank credit to construction companies and to households for home construction and renovation. Tourism activity, as measured by value-added in the hotels and restaurants sector, grew by 2.6 per

Of the other service sectors, output in the wholesale and retail trades sector rose by 9.7 per cent, largely driven by growth in the demand for consumer durables and building materials, partly associated with the expansion in construction activity. Value added in the transport sector grew by 13.4 per cent, in contrast to the 2.3 per cent decrease recorded in 2005, primarily reflecting a higher level of activity in the “road transport” and “sea transport” sub-sectors. This outturn is consistent with developments in tourism and construction. Output of electricity and water rose by 5.4 per cent, reflecting continued increases in electricity consumption, partly attributed to the higher level of economic activity. Increases in value added were also recorded for the mining and quarrying (45.0 per cent), banks and insurance (7.0 per cent), communications (5.0 per cent) and government services (5.4 per cent) sectors.

Construction Sector Growth 2000-2006 2003

2004

2005

2006

Real Sector Performance 2006 Preliminary data shows that real GDP in Antigua and Barbuda grew by 12.2 per cent in 2006, following growth of 5.5 per cent in 2005, primarily fuelled by construction and supported by tourism. Activity in the construction sector continued to provide the impetus for growth in 2006, increasing by 35.0 per cent compared with growth of 19.5 per cent in 2005. The sector’s contribution to GDP rose by 3.2 percentage points to 18.9 per cent in 2006. Activity in this sector was driven by developments in both the public and private sectors, largely associated with Cricket World Cup (CWC) 2007. Public sector activity focussed on the Sir Viv-

Tech Call Centres BPO Software Professional Services

The highlighted segments reinforce each other in a synergistic manner. For instance, enhanced investments in segment-specialized education would benefit the development of investments in tourism,

Performance 13

1. 2. 3. 4.

there are two medical schools on island – the University of Health Sciences Antigua School of Medicine and the American University of Antigua. Altogether, these strengths are well-matched for industries such as tourism financial services, education, medical health and wellness, business support services and logistics.

Economic PE RCE NTA GE

Introducing

1. International Finance 2. Captive International Insurance 3. Offshore Banking 4. International Business Incorporation

Medical Health and Wellness 1. Spas 2. Specialized Clinics 3. Recovery Centres complement and support these operations, the presence of several international banking institutions, in addition to global correspondent banking relationships, can facilitate operations in these sectors.

Additional Investment Segments for Antigua and Barbuda

OCTOBER – dECEMBER 2007

cent in 2006, in contrast to a decline of 1.1 per cent in 2005. Total visitor arrivals grew by 0.5 per cent to 755,385 in 2006, following a decline of 7.0 per cent in 2005. The number of stay-over visitors rose by 2.4 percent to 273,414 in 2006. Stayover arrivals from the USA increased by 6.2 percent, partly reflecting additional airlift from Delta airlines and increased marketing; the tourism product was rebranded, and some hotels offered special romantic packages during the summer months. Growth was also recorded for stay-over arrivals from Germany (15.5 per cent), France (11.9 per cent) and the Caribbean (10.4 per cent).

2000

6.5

2001

2002

3.5

2003 2004

6.7 2.5

2005 2006 PE RCE NTA GE

health/wellness, business support and financial services. Additional investment in the health sector in the country would also entice more retirees to settle and/or have a second home in Antigua and Barbuda, fostering the development of more residential condominiums and time-share resorts. ICT training directly opens the possibility for

technical support centers and perhaps software development based in Antigua. The Government of Antigua and Barbuda and the Antigua & Barbuda Investment Authority envisage improved opportunities in the local economy. We are confident that the mandate of the Authority can be effectively carried out with a multi-sectoral and collaborative effort. Further, the synergies of private and public sector co-operation are critical to the success of this effort. The Authority is identifying and nurturing a network of key allies, and seeking their commitment to partner in its efforts. We are committed to supporting all beneficial investment proposals presented for our consideration, and encourage investors to explore the many investment opportunities in Antigua and Barbuda.

OCT – dEC

Financial Sector Performance 2006 Domestic credit grew by 13.2 per cent to $1,897.4m. Credit to the private sector rose by 20.4 per cent, reflecting increased borrowing by business entities (24.7 per cent) and households (20.4 per cent). The rise in domestic credit was tempered by a 25.3 per cent decline in the central government’s net indebtedness to the banking system. This outturn was attributed to more than a four fold increase of the central government’s stock of deposits with commercial banks, largely reflecting inflows from the issue of treasury bills and bonds during the period under review. The increase in the net deposits of non-financial public enterprises (25.8 per cent) reflected a decrease in outstanding loans to these institutions as well as an increase in their level of deposits. The distribution of credit by economic activity shows that construction companies consumed the largest portion of commercial bank credit extended to the productive sectors. Credit for construction increased by 47.0 per cent in 2006, reflecting the highest level of activity in that sector. This was supported by an 8.0 per cent increase in credit to households for acquisition of property, which includes home construction and renovation. Of the other productive sectors, outstanding loans for tourism rose

by 38.0 per cent, partly reflecting the efforts by some businesses to prepare for the 2006/07 tourist season, while declines were recorded for outstanding loans to the distributive trades (3.1 per cent) and manufacturing (12.5 per cent) sectors. The commercial banking sector continued to operate with a high level of liquidity during 2006. The ratio of liquid assets to total deposits plus liquid liabilities, which measures commercial banks’ ability to meet short term obligations, increased by 0.7 percentage point to 45.7 per cent. The loans and advances to total deposits ratio fell by 1.6 percentage points to 77.6 per cent. The cash reserve to deposits ratio stood at 9.8 per cent. There were some adjustments to interest rates during 2006. The maximum rate on demand deposits rose by 1.0 percentage point to 4.0 per cent, while the maximum rate on savings deposits increased by 50.0 basis points to 4.75 per cent. The rates offered on all categories of time deposits ranged from 1.0 per cent to 7.0 per cent in 2006, compared with a range of 1.0 per cent to 5.75 per cent in 2006. Prime lending rates remained stable and ranged from 10.0 per cent to 11.5 per cent.

Looking Forward Projections going forward indicate that the prospects for investment are favourable, as there is a concerted effort by the Government to enhance and upgrade infrastructure in the short term. Among the ongoing projects is the runway extension and overlay, and the completion of the parallel taxiway and terminal

building, all at a cost of EC$297 million. The continued road works programme, as well as the construction of the bus terminal and car park, will result in a further public sector injection of $126.5 million. It is within this boyant economic environment and improving infrastructure that the ABIA encourages

investors to make full use of the available concessions and incentives. We welcome your proposals for the expansion of existing enterprises, as well as the development of new business opportunities, and commit ourselves to working with you to ensure the continued expansion of the economy.

PORTFOLIO | HAROLD S. DICKENSON JR | Annual Reports

DYNAMICS MAS TROUPE 35TH ANNIVERSARY CELEBRATIONS

For it’s 35th Anniversary Celebrations, the Dynamics Mas Troupe wanted to rebrand itself around the event while raising it’s appeal to a wider audience. We first developed the concept of the 35 vintage yet decorative love and have it a healthy coating of gold, royal blue and white. We needed colours that would standout against the range of applications which included tickets, flyers, launch videos and a website showcasing the costumes while giving history on the troupe and the occasion.

PORTFOLIO | HAROLD S. DICKENSON JR | Integrated Marketing Campaign

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to shout about Working hard for you, every single day!

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PORTFOLIO | HAROLD S. DICKENSON JR | Print | Booklets & Brochures

ANTIGUA PIER GROUP - CRUISE ANTIGUA & BARBUDA

PORTFOLIO | HAROLD S. DICKENSON JR | Print | Booklets & Brochures

ANTIGUA PIER GROUP - CRUISE ANTIGUA & BARBUDA

Our Featured Clients (cont) The American University of Antigua, AUA (2005 – present): Opened in 2004, the AUA provides quality education to 1,500 medical students from all over the world. Students, professors, as well as a newlyconstructed US$60M campus, constitute easily-identified targets for criminal elements in Antigua. Heritage Security has been entrusted with protecting the lives and property of these students and professors, as well as securing the campus property.

AUA is only one

of several educational institutions in the Caribbean where Heritage

Caribbean Clientele

US Clientele

Government » The Antigua Port » Mount St. John Medical Center (MSJMC) » Office of National Drug Control Policy (ONDCP) » Antigua Public Utilities Authority St. John’s Catholic Primary School » Antigua Ministry of Tourism » Antigua Ministry of Communications » Dominica Ministry of Tourism

Government (military) » National Guard Bureau / Army Readiness Center » U.S. Army (Army Research Laboratory, Defense Logistics Agency, Fort Belvoir-Virginia, Fort Shafter-Hawaii) » U.S. Navy (Chesapeake Beach Naval Research Laboratory, Naval District Washington-Bellevue Housing, Washington Naval Yard-Officers Quarters) » U.S. Air Force (Andrews Air Force Base – Maryland

Public » American University of Antigua (AUA) » Christ The King High School » St. John’s Primary School » St. Anthony’s Secondary School » St. Andrew’s Primary School » FBO 2000 (Fixed Base Operator) VC Bird Airport, Antigua » World Cup Cricket Board » 20/20 Cricket Organizing Committee

Government (other) » Department of Health and Human Services » Social Security Administration » Office on National Drug Control Policy » Prince George’s County Government » Housing and Urban Development » General Services Administration » Government Printing Office » Smithsonian Institute » Fairfax County Government

Commercial » Pineapple Beach Hotel » Jolly Harbour Residential Complex » Caribbean Media Group » Chase Distributors » Gigi Enterprises » Hill & Hill Law Firm » Thomas John & Co Law Firm » Piper’s Pharmacy » Arthur Thomas & Associates » World Sports Exchange » Kennedy’s Enterprises » Stanford International Bank (SIB) » Dominica Federal Credit Union

Commercial » Bell Atlantic » The World Bank Group » Washington Suburban Sanitary Commission » MCI Center (Centre Management) » Mount Sinai Baptist Church » Native American Rights Fund » BET Cable Television » Alexandria Gateway Condominium » ARCO Management of Washington, D.C., Inc. » Equity Residential Properties » Georgetown Gateway Apartments » Paragon Group Property Services, Inc. » Penrose Management Company » William C. Smith and Company » Gerontology Research Center, Johns Hopkins Medical Center » National Institutes of Health » Health and Human Services (Hubert Humphrey Building, Parklawn Complex) » Walter Reed Army Medical Center

has first-hand experience in protecting the life and property of large, vulnerable student bodies.

Capability Statement

Stanford 20/20 Cricket Organizing Committee (2009): Heritage Security supplied, installed, and provided monitoring services for CCTV

For more information regarding our capabilities contact: William Smith, CEO | 1 (703) 842-7993 | 1 (268) 726-1009 email: wsmith@candw.ag

systems at the Stanford 20/20 Stadium in Antigua. One of the most lucrative and well-attended cricket events in the history of the sport, Heritage Security played an important role in the event’s successful crowd control strategy, at which standards were set higher than usual due to the world-wide television coverage and highly publicized nature of the matches. Heritage Security has also won numerous other crowd-control and monitoring contracts in the Caribbean, including World Cup Cricket matches and large-scale regional music festivals. Government of Antigua, Ministry of Communications (2009 – present): The Government of Antigua and Barbuda contracted Heritage Security to supply and install a sophisticated surveillance system at telecommunications sites on the island’s highest mountaintop. These remote sites are of strategic importance to the national security of the country, and Heritage Security is proud to enjoy the confidence of the government of Antigua and Barbuda. Mount St. John Medical Center (2006 – present) is one of the most state-of-the-art hospitals in the Caribbean. A politically sensitive institution, the hospital was and remains at risk for acts of sabotage. Of the many bidders, Heritage Security was selected to provide protective services to the medical facility and millions of dollars of medical

Residential Security » Thousands of homes in Antigua – 24-hour electronic monitoring » 24- hour rapid response service

equipment, as well as to protect the staff and patients. To date Heritage has been providing the center with superb security protection in accordance with strict Government security regulations. -8-

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Our Clients

Our Featured Clients (cont)

The years of expertise accumulated by Heritage Security companies in the global security business can best be demonstrated through our client list. Our past and present clients are testimony to the depth and breadth of our experience, our diversity, our ability to operate globally and under challenging conditions, and our commitment to providing electronic and physical security solutions to clients ranging from small, private entities to governmental and military organizations.

Department of Housing and Urban Development (HUD) (1997 – 2001): Heritage successfully implemented one of the largest federally managed housing property security contracts in the United States in some of the most challenging crime-and-drug infested urban environments in Washington, D.C. and New York, including the notorious Clifton Terrace. Drawing on the tactical expertise of a number of ex-Marine and ex-military armed security guards, Heritage security teams successfully met the challenges of what has been described as an “urban war zone,” offering protection to the inhabitants of public housing against the terror of drug dealers, gang and other criminal activity (see Appendix C, Washington Post articles describing conditions AT Clifton Terrace, and the subsequent turnaround following the successful intervention of Heritage Security). U.S. Army - Fort Shafter, Hawaii (1999 – 2000): Our experience in providing armed guard services for the U.S. military services is evidence of our familiarity in operating an armed guard force for institutions of maximum security. All our guards at this facility, and in all of the military facilities listed below in our client list, were trained

HERITAGE SECURITY, LTD. -1-

www.heritagesecurityonline.com

Our Featured Clients: a small sampling of our clients over the years and currently:

in weapon care, hand to hand combat, and a host of other protective

U.S. State Department (1998 – 2001): Heritage was able to gain priceless international, anti-terrorism experience and

Antigua and Barbuda Port Authority (2003 – 2005): The government

expertise when the company won a highly competitive U.S. State Department contract to provide embassy construction

of Antigua and Barbuda contracted with Heritage Security to imple-

surveillance, technical security systems, and technical surveillance countermeasures at over 20 embassies globally:

ment the international Maritime Safety Committee’s introduction of

techniques.

» Abu Dhabi, UAE

» Guadalajara, Mexico

» Vienna, Austria

» Luanda, Angola

» Dar es Salaam,

» Moscow, Russia

» Istanbul, Turkey

» Sao Paulo, Brazil

» Tunis, Tunisia

» Prague, Czech

» Zagreb, Croatia

Tanzania » Mbabane, Swaziland

» Cairo, Egypt

Republic

» Tashkent, Uzbekistan

» Helsinki, Finland

» Windhoek, Namibia

» Belgrade, Yugoslavia

» Nairobi, Kenya

» Dakar, Senegal

the International Ship and Port Security, which made it mandatory for all ports to become compliant with new security standards upheld by the Code. Core staff of Heritage Security, already trained and ISPScertified, was in record time able to hire additional security staff at the port, re-train and re-engineer the physical and electronic security standards at the Antigua port to be in full compliance with the ISPS Code by deadline, within a very short start-up framework.

Heritage core personnel is thus experienced in handling the security risks and threats involved in such highly sensitive, vulnerable environments, where bombings and other forms of violent attacks are a reality. Heritage brings a wealth of experience in providing security services in these high threat areas (see Appendix B, Heritage Security Inc newsletter of December 2000). -6-

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PORTFOLIO | HAROLD S. DICKENSON JR | Public Relations

PRIME MINISTER OF ANTIGUA & BARBUDA PUBLIC RELATIONS DOCUMENTS

With a vision to provide the greatest good for the greatest number of Antiguans and Barbudans, Prime Minister W. Baldwin Spencer is resolute in confronting unequivocally the challenges that come with globalization and living in a developed world.

Do not follow

”

UNITE D

there is no path and leave a trail. Harold R. McAlindon

November SUNDAY

MONDAY

TUESDAY

WEDNESDAY

THURSDAY

FRIDAY

SATURDAY

E SSIV PART

Independence Day

2008

OCTOBER 2008 S M T W T F 1 2 3 5 6 7 8 9 10 12 13 14 15 16 17 19 20 21 22 23 24 26 27 28 29 30 31

S 4 11 18 25

2008

E T I NG T H

•

LE FIR S

EOP

N I T ED P R O

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instead where

“P

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where the path may lead. Go

DECEMBER 2008 S M T W T F S 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31

Portfolio | Harold S. Dickenson Jr | Websites

NIGHTWING CHARTERS | WWW.FISHANTIGUA.COM http://www.fishantigua.com

Nightwing Charters Antigua

http://www.fishantigua.com/contact.html

Nightwing Charters Antigua

http://www.fishantigua.com/boats.html

Nightwing Charters Antigua

Portfolio | Harold S. Dickenson Jr | Websites

ANTIGUA BARBUDA DEVELOPMENT BANK | ABDBANK.COM http://www.abdbank.com

Antigua Barbuda Development Bank

19 http://www.abdbank.com/bonds.html

Antigua Barbuda Development Bank

Portfolio | Harold S. Dickenson Jr | Websites

DELUXE CINEMAS | DELUXECINEMAS.COM http://www.deluxcinemas.com

Deluxe Cinema Antigua

20 Deluxe Cinema Antigua

http://www.deluxcinemas.com/comingsoon.php

Deluxe Cinema Antigua

http://www.deluxcinemas.com/comingsoon.php

Mobile Site for Schedule

Portfolio | Harold S. Dickenson Jr | Websites

ANTIGUA SUMMER GOLD PROMOTION http://www.antiguasummergold.com/

Antigua Summer Gold

http://www.antiguasummergold.com/listing.php?memberid=3820449z