• 3M Interamerica Inc-T&T Division Pension Fund Plan
• Agostini Insurance Brokers Limited Pension Fund Plan
• Agostini's Limited Pension Plan
• Albrosco Limited Staff Pension Plan
• All Trinidad Sugar and General Workers Trade Union Staff Pension Fund Plan
• Alstons Pension Fund Plan
• Amoco Trinidad Oil Company Pension Fund Plan
• Amour's Funeral Homes Limited Pension Fund Plan
• Angostura Bitters (Dr. J.G.B. Siegert & Sons) Limited Pension Plan
• Ansa McAl Limited Pension Fund Plan
• Anthony N. Sabga Limited Pension Fund Plan
• AS Bryden & Sons (Trinidad) Limited Pension Fund Plan
• ASA Wright Nature Centre Pension Plan
• Associated Brands Limited Group Pension Fund Plan
• Atlantic LNG Pension Plan
• Bank of Commerce of Trinidad and Tobago Limited Retirement Plan
• Baroid Trinidad Services Limited Staff Pension Scheme
• Bawodes Limited Pension Fund Plan
• Bel Air International Airport Hotel Limited Pension Fund Plan
• Berger Paints Trinidad Limited Pension Fund Plan (Monthly Paid) Employees
• Berger Paints Trinidad Limited Pension Fund Plan for Weekly Paid Employees
• Bermudez Biscuit Company Limited Pension Fund for Weekly Paid Staff
• Bristol Myers (West Indies) Limited Pension Fund Plan
• British American Insurance Company (Trinidad) Limited Pension Fund Plan
• British Gas Trinidad Limited Pension Fund Plan
• British High Commission Pension Fund Plan
• Caribbean Bulk Storage and Trading Company Limited Pension Fund Plan
• Caribbean Industrial Research Institute Pension Plan
• Caribbean Packaging Industries Limited Pension Fund Plan for Junior Staff Employees
• Caribbean Packaging Industries Limited Pension fund Plan for Senior Staff Employees
• CBP Limited Pension Fund Plan
• Central Bank Pension Scheme
• Century Eslon Limited Pension Plan
• Citibank (Trinidad and Tobago) Limited Pension Fund Plan
• Clark & Batoo Limited Staff Pension Fund Plan
• Clico Investment Bank Limited Staff Pension Fund Plan
• CMB Packaging Trinidad Limited Pension Plan
• Coates Brothers (Caribbean) Limited Pension Plan
• Coca Cola Bottling (Trinidad & Tobago) Pension Fund Plan
• Coconut Growers' Association Limited Staff Pension Plan
• Colonial Fire and General Insurance Company Limited Pension Plan
• Colonial Life Insurance Company (Trinidad) Limited Staff Pension Plan
• Consolidated Insurance Consultants Limited Pension Fund
• Coopers and Lybrand Pension Fund Plan
• Courts (Trinidad) Limited Pension Plan
• CUNA Caribbean Insurance Society Pension Fund Plan
• Development Finance Company Limited Pension Plan
• Diego Martin Credit Union Co-operative  Society Limited Staff Pension Fund Plan
• E&Y Services Limited Pension Plan
• EOG Resources Trinidad Limited Employees Pension Fund Plan
• Eric Solis Marketing Limited Staff Pension Plan
• F.T. Farfan & Sons Limited Pension Fund Plan
• Ferreira Optical Limited Pension Fund Plan
• First Citizens Bank Pension Fund Plan
• Fujitsu ICL Caribbean (Trinidad) Limited Pension Fund Plan
• Furness Trinidad Limited Pension Fund Plan
• Grace Kennedy (Trinidad and Tobago) Limited Pension Fund Plan
• Gulf Engineering Services Limited Pension Fund Plan
• Gulf Insurance Limited Pension Plan
• H.S. Services Limited Pension Fund Plan
• Haliburton Trinidad Limited Pension Plan
• Hand Arnold (Trinidad) Limited Employees Pension Scheme
• Home Construction Limited Pension Fund Plan
• Hydro Agri Trinidad Limited Hourly Paid Employees Pension Plan
• Hydro Agri Trinidad Limited Salaried Employees Pension Plan
• IBM Retirement Plan
• Industrial Agencies Limited Pension Plan
• Industrial Systems Controls Limited
• Inglefield/Ogilvy & Mather Caribbean Limited Pension Fund Plan
• Insurance Brokers West Indian Limited Pension Fund Plan
• J.N. Harriman and Company Limited Pension Plan
• J.T.A. Supermarkets Limited Pension Fund Plan
• Johnson and Johnson (Trinidad) Limited Staff Pension Fund Plan
• Joseph Charles Bottling Works Limited Pension Fund Plan
• Junior Schools Limited Staff Pension Plan
• L.J. Williams Limited Pension Fund Plan
• Lake Asphalt of Trinidad and Tobago (1978) Limited Employees' Pension Plan
• Lake Asphalt of Trinidad and Tobago (1978) Limited Staff Pension Plan
• Lange Trinidad Limited Pension Fund Plan
• Laughlin and DeGannes and its Associated Companies Staff Pension Fund Plan
• Lazzari & Sampson Limited Pension and Life Assurance Scheme
• Lever Brothers (West Indies) Limited Pension Plan
• Life of Barbados Limited Pension Plan
• Lonsdale/Saatchi & Saatchi Advertising Limited Staff Pension Fund Plan
• Mandev-Qualassure Pension Fund Plan
• Maritime Life (Caribbean) Limited Pension Fund Plan
• Master Mix of Trinidad Staff Pension Fund Plan
• Mc Cann-Erickson (Trinidad) Limited Staff Pension Plan
• Medianet Limited Monthly Paid Staff Pension Fund Plan
• Mega Insurance Company Limited Pension Plan
• Mercantille Banking and Financial Corporation Limited Pension Fund Plan
• Mittal Steel Point Lisas Employees' Pension Fund Plan
• MTS Pension Fund Plan
• National Agro Chemicals Limited Pension Fund Plan
• National Flour Mills Limited Pension Fund Plan
• National Gas Company of Trinidad Limited Pension Fund Plan
• National Helicopter Services Limited Pension Fund Plan
• National Insurance Board Pension Fund Plan
• National Insurance Property Development Company Limited Pension Fund Plan
• National Union of Government and Federated Workers Officers Pension Plan
• National Union of Government and Federated Workers Staff Pension Fund Plan
• Navarro's Group of Companies Staff Pension Plan
• Neal and Massy Group Pension Fund Plan
• NEM (West Indies) Insurance Limited Pension Fund Plan
• Nestle Trinidad & Tobago Limited Pension Fund Plan
• Nestle Trinidad and Tobago Limited Unionised Employees' Pension Plan
• Niherst Pension Fund Plan
• Oilfield Workers Trade Union Staff Pension Fund Plan
• PCS Nitrogen Trinidad Limited Pension Fund Plan No. 1 (Formerly Arcadian Trinidad Limited)
• PCS Nitrogen Trinidad Limited Pension Fund Plan No. 2 (Formerly Trinidad and Tobago Urea)
• Penta Paints Caribbean Limited Pension and Widows Benefit Scheme
• Pepsi-Cola Trinidad Bottling Company Limited
• Perreira & Company Limited Staff Pension Fund Plan
• Phoenix Park Gas Processors Limited Staff Pension Fund Plan
• Point Lisas Industrial Port Development Corporation Limited Pension Plan
• Port Authority of Trinidad and Tobago Daily Paid Pension Fund Plan
• Port Authority of Trinidad and Tobago Monthly Paid Pension Fund Plan
• Prestige Holdings Limited Pension Fund Plan
• Print - A - Pak Limited Pension Plan
• RBP Elevator and Escalator Limited Pension Fund Plan
• RBTT Pension Fund Plan
• Regional Health Authorities Pension Plan
• Republic Bank Limited Staff Pension Plan
• Rhand Credit Union Co-Operative Society Limited Pension Plan
• Royal Caribbean Insurance Limited Staff Pension Plan
• Scotiabank Trinidad and Tobago Limited Pension Fund Plan
• Sealand Services Incorporative Pension Plan
• Selco Limited Retirement Pension Fund Plan
• Servol Limited Pension Fund Plan
• Small Business Development Company Limited Staff Pension Fund Plan
• Southern Medical Clinic Limited Pension Fund Plan
• Southern Sales and Services Company Limited Pension Fund Plan
• Stellar Distributions (Trinidad) Staff Pension Plan (formerly Singer Sewing Machine Company)
• T. Geddes Grant (Trinidad) Staff Savings Pension Fund
• T. Geddes Grant Limited Pension Fund Plan
• Tatil Life Sales Representatives Pension Fund Plan
• TECU Credit Union Co-operative Society Limited Pension Fund Plan
• Telecommunications Services of Trinidad and Tobago Limited Pension Fund Plan
• Texaco (Trinidad) Limited Staff Retirement Plan
• The Airports Authority Pension Fund Plan
• The Beacon Insurance Company Limited Pension Plan
• The Demerara Life Assurance Company of T&T Limited Sales Staff Pension Fund Plan
• The Group Pension Plan for Non-Professional Employees of Fitzstone Limited
• The Group Pension Plan for the Managerial Employees of American Life & General Insurance Company (Trinidad) Ltd
• The Group Pension Plan for the Non-Managerial Employees of American Life & General Insurance Company (Trinidad) Limited
• The Group Pension Scheme for the Agents of American Life and General Insurance Company (Trinidad) Limited
• The Guyana and Trinidad Mutual Fire Insurance Company Limited Pension Fund
• The Home Mortgage Bank Pension Fund Plan
• The Incorporated Trustees of the Anglican Church in the Dioceses of Trinidad and Tobago Pension Plan
• The Myerson Tooth Company Limited Retirement Plan
• The Pension Plan for the Institute Of Marine Affairs
• The Regional Health Authority Pension Fund Plan
• The Rentokil (Trinidad) Limited Pension Fund Plan
• The Synod of the Presbyterian Church in Trinidad Pension Plan
• The Trinidad Building and Loan Association Pension Fund Plan
• The Trinidad Pilots and Berthing Masters Limited Pension Fund Plan
• The University of the West Indies (St. Augustine) Staff Pension Fund Plan
• The West Indian Tobacco Company Limited Pension Plan
• Thomas Peake and Company Limited Pension Plan
• Toyota Trinidad and Tobago Staff Pension Plan
• Trinidad & Tobago Electricity Commission Pension Fund Plan
• Trinidad and Tobago Chamber of Commerce Pension Plan
• Trinidad and Tobago Electricity Commission Employees' Provident Fund
• Trinidad and Tobago External Telecommunications Company Limited Pension Fund Plan
• Trinidad and Tobago Methanol Company Limited Pension Fund Plan
• Trinidad and Tobago Mortgage Finance Company Limited Pension Fund Plan
• Trinidad and Tobago National Petroleum Marketing Company Limited Pension Plan 1
• Trinidad and Tobago National Petroleum Marketing Company Ltd. Contributory Pension Plan II
• Trinidad and Tobago Oil Company Limited Contributory Pension Fund A
• Trinidad and Tobago Oil Company Limited Contributory Pension Fund B
• Trinidad and Tobago Oil Company Limited Employees Benefit Plan
• Trinidad and Tobago Oil Company Limited Staff Retirement Plan
• Trinidad and Tobago Oil Company Non Contributory Pension Fund Plan
• Trinidad and Tobago Petroleum Company Limited Employees Pension Plan
• Trinidad and Tobago Petroleum Company Limited Staff Pension Fund Plan
• Trinidad and Tobago Port Contractors (Daily & Weekly) Pension Plan
• Trinidad and Tobago Solid Waste Management Company Limited Pension Plan
• Trinidad and Tobago Telephone Company Limited Staff Pension Plan
• Trinidad and Tobago Unit Trust Corporation Pension Fund Plan
• Trinidad Cement Limited Employees Pension Fund Plan
• Trinidad Concrete Products Limited Pension Fund Plan
• Trinidad Contractors Limited Pension Plan
• Trinidad Express Newspapers Limited Pension Plan
• Trinidad Hilton Limited Pension Fund Plan
• Trinidad Nitrogen Company Limited Staff Pension Fund Plan
• Trinidad Ropeworks Limited Pension Plan
• Trinidad Systems Limited Pension Plan
• Trinmar Employees Benefit Plan
• Trintoplan Consultants Limited Pension Plan
• United States of America Embassy in Trinidad and Tobago Pension Fund Plan
• Waste Disposal Limited Pension Fund Plan
• Water and Sewage Authority Pension Plan
• Western Scientific Company Limited Pension Fund Plan
• William H Scott Limited Pension Plan
• Y. De Lima and Company Limited Pension Fund Plan
• Youth Training and Employment Partnership Programme (YTEPP) Limited Pension Fund Plan

• Aviation Services T&T Limited Pension Fund Plan
• B.H. Rose Limited Pension Fund Plan
• B.W.I.A.  Pilots Pension Plan
• B.W.I.A. Pilots Pension Fund Plan
• Bottlers Limited Pension Fund Plan
• British Airways
• BWIA Limited General Staff Provident Fund
• BWIA Limited Staff Pilots Provident Fund
• BWIA General Staff Pension
• C.Lloyd Trestrail Company Limited Pension Plan
• C.T.C. Electronics Limited Staff Pension Fund Plan
• Caroni (1975) Limited Pension Plan
• Caroni (1975) Ltd Daily Paid Employees Non- Contributory Pension Plan
• Caroni Limited (1967) Pension Fund Plan
• Cliffs and Associates Pension Fund Plan
• Colgate Palmolive (Caribbean) Inc. Pension Fund Plan
• Colonial Life Insurance Company (Trinidad) Limited Agents Pension Plan
• Corbin Compton Ltd Pension Fund Plan
• Crown Life Caribbean Life Pension Fund Plan
• Electrotec Services Limited
• Employers Consulatative Association of Trinidad and Tobago Staff Pension Fund Plan
• F.W. Woolworth Company (Trinindad) Limited Pension Plan
• General Building and Loan Ass. Pension Find Plan
• Geollnicht & Stollmeyer
• George Wimpey Caribbeam Limited Pension Fund Plan
• Gordon Grant Staff Pension Fund Plan
• Guardian Life of the Caribbean Limited Pension Fund Plan
• Industrial Development Corporation Pension Fund Plan
• Insurance Consultants Limited/ Antilles Insurance Limited Pension Fund Plan
• International Loss Adjusters Limited Pension Plan (formerly Toplis & Harding (West Indies)
• International Trust of Washington (Caribbean) Limited
• KLM Trinidad & Tobago Limited Pension Fund Plan
• Label House Limited Pension Fund Plan
• Metal Industries Limited Pension Fund Plan
• National Broadcasting Service of Trinidad and Tobago Limited Pension Plan
• Nationwide Insurance Co. Ltd. Plan A
• Nationwide Insurance Co. Ltd. Plan B
• Nationwide Insurance Co. Ltd. Plan C
• Orange Grove National Company Limited Group Pension Plan
• Premier Consolidated Oilfields PLC Retirement Plan
• PricewaterhouseCoopers Limited Pension Plan
• Rediffusion (Trinidad) Limited Pension Plan
• Reinsurance Company of Trinidad and Tobago Limited Pension Fund Plan
• Sherwin Williams (Caribbean) N.U. Pension Fund Plan
• Sissons Paints (W.I.) Limited Pension Fund Plan
• Smith International Inc. Pension Fund Plan
• Stephens & Ross Limited Pension Fund Plan
• Super Chem Products Pension Fund Plan
• Swan Hunter Trinidad Limited
• The National Commercial Bank of Trinidad and Tobago Pension Plan
• Tourism and Industrial Dev Company of T&T Ltd.
• Trinidad & Tobago BWIA International Airways Corporation Pension Plan
• Trinidad & Tobago Export Development Corporation Staff Pension Fund Plan
• Trinidad and Tobago Forest Products Limited Staff Pension Fund Plan
• Trinidad and Tobago Oil Company - Local Provident Fund
• Trinidad and Tobago Printing and Packaging Limited Pension Fund Plan
• Trinidad and Tobago Television Company Limited Pension Fund Plan
• Trinidad Broadcasting Company Limited Pension Plan
• Trinidad Shipping Company Limited Retirement Pension Fund Plan
• Trinidad Textile Manufacturing Co. Limited Pension Plan
• Van Leer Containers Trinidad Limited Pension Fund Plan
• Victoria Nursing Home Pension Fund Plan
• West Indian National Insurance Pension Fund Plan
• Workers Bank (1989) Limited Staff Pension Fund Plan
• Yorke Structures Limited Pension Plan

LAWS OF TRINIDAD AND TOBAGO
Insurance Chap. 84:01

FOURTH SCHEDULE
[Section 175(1)]

PART I

Requirements as to the Trust Deed and Rules of Registered Pension Fund Plans

1. The Trust Deed and Rules of a plan qualified for registration under this Act shall make provision for the following matters:

1. the whole of the objects for which the plan is established;
2. the appointment and removal of trustees;
3. the vesting in the trustees of all property belonging to the plan;
4. the investment in the names of the trustees of all capital moneys belonging to the plan and for authorizing the
   investments, if any, in addition to those authorized by law, in which the trustees may invest such moneys; but the Rules of a plan may provide for the deposit of such moneys with a bank;
5. the making of contributions to the plan by the employers of persons employed in the undertaking or combination of undertakings in connection with which the plan is established;
6. the contributions payable to and the rates of benefits payable from the fund or the method of calculating benefits so payable;
7. the conditions on which persons may become and may cease to be contributors to and entitled to benefits from the fund;
8. the protection of the vested rights of contributors to the plan;
9. the preparation of all statements of accounts, balance sheets and reports required by this Act to be prepared;
10. the supply (on demand) to every person having any rights in the plan, being a person who is or has been employed in the undertaking in connection with which the plan is established, of a copy of the Rules of the plan and of all amendments thereof, and of the latest statements of accounts, balance-sheets and report prepared in accordance with the requirements of this Act;
11. the circumstances in which the plan may be wound up and in the event of winding up the use of the plan to purchase immediate annuities for contingent pensioners;
12. the method by which the Rules may be amended.

2. The second part of the report shall contain the following information:

1. general observations regarding mortality, withdrawal and retirement from service and progression of salary during
   intervaluation period and general observations on any other factors entering into the valuation;
2. a description of the mortality and all other rates used (specimen rates to be shown in an appendix to the report);
3. average rates of interest realized by the assets of the fund whether invested or not during each year in the intervaluation period;
4. the rate of interest assumed in the calculations for purpose of the valuation;
5. a statement indicating.
   
   1. whether and how it has been secured that the estimated net liability in respect of any employer is not negative;
   2. the amount of and the reason for any special reserves which have been set up.

(3) The final part of the report shall contain information about the results of the valuation, an analysis of the surplus or deficiency shown and a recommendation as to how much of the surplus can be regarded as disposable, or, if a deficiency, the manner in which the deficiency can be liquidated.

(4) The report shall close with any further observations the actuary may wish to offer on the valuation.