TABLE OF CONTENTS

Our History

Notice of the Seventh Annual Meeting

ECFH Group Corporate Information/Correspondent Banking Relationships

The Group Structure: Organogram/Corporate Profile

Financial Highlights  2003 - 2007

Chairman's Report

Corporate Governance

Board Members & Profile

Directors' Report

Group Managing Driector's Report

ECFH Senior Management Profile

Management Discussion & Analysis

Historical Financial Performance Ratios

Corporate Social Responsibility

Subsidiary Reports  -

• Bank of Saint Lucia Limited
• Bank of Saint Lucia International Limited
• EC Global Insurance Company Limited
• Property Holding & Development Company of Saint Lucia Limited
• Mortgage Finance Company of Saint Lucia Limited

Financial Reporting Responsibility

Audited Financial Statements for ECFH Group - 2007