Dear Member

October 7, 2008

Best Doctors Group Health Plan

All premiums are payable in US dollars to ICATT via Credit Card or US draft.

Dear Membership

October 7, 2008

Best Doctors Group Health Plan

All premiums are payable in US dollars to ICATT via Credit Card or US draft.

·  ²US Dollar Disability Income:

This coverage is unrivalled in the industry and reimburses 75% of basic salary

for 24 months in the event of both temporary and permanent disability. This

plan is a rider to the Best Doctors health plan and can be availed at extremely

competitive rates to mitigate this particular risk. The annual premium will be .85% x 150% of annual payroll. (Note that this is a further improvement from the previous rate of 1.25%).

The Group Plan is on the premise that members already have a basic local Medical Plan hence the high deductible.

One of the key benefits of this Plan is that you can retain membership as long as you maintain your membership status with ICATT.

Note that normal underwriting requirements will be applicable from December 2008.

Please indicate your interest by completing and returning by e-mail the data requested hereunder to Cynthia Lyons. The form for dependents should be completed, signed and faxed to 623-8000 or scanned and attached to your e-mail response.

EMPLOYEE / DEPENDENTS / PRE-EXISTING CONDITIONS
Surname / First
Name / Gender / Date of Birth / Name / Relation
ship / Gen
der / Date of Birth / Identify whether for Employee or Dependents

Yours sincerely

The Institute of Chartered Accountants

of Trinidad and Tobago

Krishna Boodhai

Chief Executive Officer