INSERT INTO `wpzw_posts` VALUES (3823,2,'2020-01-27 23:47:03','2020-01-27 23:47:03','<p>[vc_row equal_height=\"yes\" content_placement=\"top\"][vc_column width=\"3/4\"][vc_empty_space height=\"40px\"][vc_custom_heading text=\"<span class=``pe-7s-users``></span>WHAT MAKES ME A MEMBER\" font_container=\"tag:h2|font_size:34|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"-1px\" css=\".vc_custom_1580073091125{background-color: #3768b4 !important;}\"][vc_custom_heading text=\"<strong>You’re a member when you have a shares account, savings account or a loan with us.</strong><br />\nThere are two (2) classes of membership: Full Membership and Associate Membership.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580073661320{margin-top: 20px !important;}\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_custom_heading text=\"Full Membership\" font_container=\"tag:h3|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1578448971845{margin-top: 20px !important;}\"][vc_custom_heading text=\"A person shall be deemed to be a full member upon the purchasing of a minimum of 100 shares at a value as may be determined by the Association from time to time.<br />\nFull membership allows full access to the products and services offered by the Association, subject to the satisfaction of the specific requirements established for those products and services.<br />\nFull members shall have the right to nominate candidates for the Board of Directors (BOD), be nominated as a candidate for the Board and vote at Annual General Meetings and Special Meetings in keeping with the provisions of the Rules of the Association.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\"][vc_custom_heading text=\"Associate Membership\" font_container=\"tag:h3|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1578448988423{margin-top: 20px !important;}\"][vc_custom_heading text=\"Persons with 25 shares qualify for Associate Membership, with limited access to products and services.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\"][vc_empty_space height=\"40px\"][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1579197900706{border-left-width: 2px !important;border-left-color: #e8e8e8 !important;border-left-style: solid !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"5\" img_size=\"250x250\" alignment=\"center\" css_animation=\"none\"][vc_empty_space height=\"20px\"][vc_raw_html]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[/vc_raw_html][vc_empty_space height=\"15px\"][vc_column_text][su_button url=\"http://dev.svbla.com/contact-us/#makeappt\" target=\"self\" style=\"3d\" background=\"#e13454\" color=\"#FFFFFF\" size=\"8\" wide=\"yes\" center=\"yes\" radius=\"5\" icon=\"\" icon_color=\"#FFFFFF\" text_shadow=\"none\" desc=\"\" download=\"\" onclick=\"\" rel=\"\" title=\"\" id=\"\" class=\"\"]BECOME A MEMBER&nbsp;<i class=\"vc_btn3-icon fa fa-caret-right\" aria-hidden=\"true\"></i>[/su_button][/vc_column_text][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"top\"][vc_column width=\"3/4\"][vc_empty_space][vc_custom_heading text=\"<span class=``pe-7s-like2``></span>BENEFITS OF MEMBERSHIP\" font_container=\"tag:h2|font_size:34|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"-1px\" css=\".vc_custom_1580078819523{background-color: #3768b4 !important;}\" el_id=\"svbla-member-benefits\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_custom_heading text=\"Putting our members first\" font_container=\"tag:h3|font_size:22|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580072610008{margin-top: 20px !important;}\"][vc_custom_heading text=\"We’ve had the same purpose now for over 78 years: to help ordinary people buy their own homes and save for their futures. Put simply, those who save with us help those who mortgage through us.<br />\nThat’s what being a mutual building society means. And as we’re owned by you, our members, we listen to what you want. It’s this that shapes our future – and helps us build society, nationwide.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580073676386{margin-top: 20px !important;}\" link=\"url:https%3A%2F%2Fwww.nationwide.co.uk%2Fabout%2Fwhy-choose-nationwide%2Fall-about-membership%23tab%3AMembership||target:%20_blank|\"][vc_custom_heading text=\"The benefits of membership\" font_container=\"tag:h3|font_size:20|text_align:justify|color:%23154fa9\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580072904139{margin-top: 20px !important;}\"][vc_custom_heading text=\"Having shareholders (in the way that banks do) to answer to means we can bring our members some unique benefits. We can also help their friends, families, and the communities they (and we) are part of.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580076385315{margin-top: 20px !important;}\" link=\"url:https%3A%2F%2Fwww.nationwide.co.uk%2Fabout%2Fwhy-choose-nationwide%2Fall-about-membership%23tab%3AMembership||target:%20_blank|\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_row_inner equal_height=\"yes\" gap=\"10\" css=\".vc_custom_1580076078698{margin-top: 0px !important;}\"][vc_column_inner width=\"1/3\"][vc_btn title=\"For you\" style=\"flat\" shape=\"square\" color=\"pink\" size=\"lg\" align=\"center\" i_icon_fontawesome=\"fa fa-heart\" button_block=\"true\" add_icon=\"true\"][vc_custom_heading text=\"<span class=``left``><i class=``fa fa-heart fa-2x`` style=``color:#ffffff; vertical-align:middle`` aria-hidden=``true``></i></span><span style=``margin-left:20px;`` class=``right``>For you</span></a>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" el_id=\"fa fa-heart\" css=\".vc_custom_1580084547707{padding-top: 40px !important;padding-bottom: 50px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong>Access to our just-for-members range</strong><br />\nIncluding savings accounts, credit cards, loans, home insurance, investments and financial protection.</p>\n<p><strong>Your voice heard</strong><br />\nHave your say and help shape the SVBLA through our online community Connect, or at our Annual General Meeting (AGM). The people you vote for help shape SVBLA’s direction and priorities. You can also connect with us on social media.</p>\n</div>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080257336{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_btn title=\"For your family and friends\" style=\"flat\" shape=\"square\" color=\"pink\" size=\"lg\" align=\"center\" i_icon_fontawesome=\"fa fa-users\" button_block=\"true\" add_icon=\"true\"][vc_custom_heading text=\"<span class=``left``><i class=``fa fa-users fa-2x`` style=``color:#ffffff; vertical-align:middle`` aria-hidden=``true``></i></span><span style=``margin-left:20px;`` class=``right``>For your<br />\nfamily and friends</span></a>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580078598584{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-users fa-2x`` aria-hidden=``true``></i><br />\n           <span>For your <br>family and friends<br />\n           </span>\n      </li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580168800644{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong><a href=``#``>Your support recognised</a></strong><br />\nRecommend one of our current accounts* to a family member or friend and, if they switch their current account to us within 90 days, you’ll each receive $100.You can recommend up to three people a year.</p>\n<p><strong><a href=``#``>Helping you help your family</a></strong><br />\nWith our Family Deposit Mortgages, you can borrow against your own home and gift the money to a family member to help them buy a place of their own.</div>\n<h4>Our mortgages are available to Vincentian residents aged 18 and over. all mortgages are subject to underwriting and criteria.<br />\nYour mortgage is secured on your home, which you could lose if you do not keep up with your mortgage repayments.</h4>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080417124{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_btn title=\"For your community and society\" style=\"flat\" shape=\"square\" color=\"pink\" size=\"lg\" align=\"left\" i_icon_fontawesome=\"fa fa-globe\" button_block=\"true\" add_icon=\"true\"][vc_custom_heading text=\"<span class=``left``><i class=``fa fa-globe fa-2x`` style=``color:#ffffff; vertical-align:middle`` aria-hidden=``true``></i></span><span style=``margin-left:20px;`` class=``right``>For your community and society</span></a>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580083005744{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong>You help make a difference</strong><br />\nIn 2007, our members decided we should give at least 1% of pre-tax profits to local causes. Today, we\'re still doing just that – with a focus on tackling the housing crisis so everyone has a place to call home. Our Community grants programme means housing organisations and charities can apply for grants of up to $50,000 to help make a change.</p>\n<p><strong>We\'re on the high street</strong><br />\nWe\'re committed to giving our members the best possible experience. We know that, no matter how good technology gets, there\'ll be times when you\'d rather deal with us in person.</p>\n<p><strong>You can help us support our charity partners</strong><br />\nJoin in with your branch’s initiatives supporting local charities and SVBLA’s charity partners – Macmillan Cancer Support and Shelter. Just pop in to find out more.</div>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080583421{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1579197900706{border-left-width: 2px !important;border-left-color: #e8e8e8 !important;border-left-style: solid !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"3747\" img_size=\"250x250\" alignment=\"center\" css_animation=\"none\"][vc_empty_space height=\"20px\"][vc_empty_space height=\"15px\"][/vc_column][/vc_row][vc_row 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23:47:03','2020-01-27 23:47:03','',2889,'http://dev.svbla.com/2020/01/27/2889-revision-v1/',0,'revision','',0),(3824,2,'2020-01-27 23:50:58','2020-01-27 23:50:58','<p>[vc_row equal_height=\"yes\" content_placement=\"top\"][vc_column width=\"3/4\"][vc_empty_space height=\"40px\"][vc_custom_heading text=\"<span class=``pe-7s-users``></span>WHAT MAKES ME A MEMBER\" font_container=\"tag:h2|font_size:34|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"-1px\" css=\".vc_custom_1580073091125{background-color: #3768b4 !important;}\"][vc_custom_heading text=\"<strong>You’re a member when you have a shares account, savings account or a loan with us.</strong><br />\nThere are two (2) classes of membership: Full Membership and Associate Membership.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580073661320{margin-top: 20px !important;}\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_custom_heading text=\"Full Membership\" font_container=\"tag:h3|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1578448971845{margin-top: 20px !important;}\"][vc_custom_heading text=\"A person shall be deemed to be a full member upon the purchasing of a minimum of 100 shares at a value as may be determined by the Association from time to time.<br />\nFull membership allows full access to the products and services offered by the Association, subject to the satisfaction of the specific requirements established for those products and services.<br />\nFull members shall have the right to nominate candidates for the Board of Directors (BOD), be nominated as a candidate for the Board and vote at Annual General Meetings and Special Meetings in keeping with the provisions of the Rules of the Association.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\"][vc_custom_heading text=\"Associate Membership\" font_container=\"tag:h3|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1578448988423{margin-top: 20px !important;}\"][vc_custom_heading text=\"Persons with 25 shares qualify for Associate Membership, with limited access to products and services.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\"][vc_empty_space height=\"40px\"][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1579197900706{border-left-width: 2px !important;border-left-color: #e8e8e8 !important;border-left-style: solid !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"5\" img_size=\"250x250\" alignment=\"center\" css_animation=\"none\"][vc_empty_space height=\"20px\"][vc_raw_html]JTVCc3VfbGlnaHRib3glMjB0eXBlJTNEJTIyaW5saW5lJTIyJTIwc3JjJTNEJTIyJTIzbXktY3VzdG9tLXBvcHVwMiUyMiUyMCU1RCUzQ2gyJTIwc3R5bGUlM0QlMjJmb250LXNpemUlM0ElMjAyMHB4JTNCJTNCJTIwdGV4dC1hbGlnbiUzQSUyMGNlbnRlciUzQmxpbmUtaGVpZ2h0JTNBJTIwMjhweCUzQmZvbnQtZmFtaWx5JTNBUm9ib3RvJTNCZm9udC13ZWlnaHQlM0E2MDAlM0Jmb250LXN0eWxlJTNBbm9ybWFsJTNCJTIwcGFkZGluZyUzQSUyMDVweCUyMDBweCUzQmJvcmRlci1yYWRpdXMlM0E1cHglM0IlMjBib3JkZXIlM0ElMjAycHglMjBzb2xpZCUyMCUyMzE1NGZhOSUzQiUyMGJhY2tncm91bmQlM0ElMjNmZmZmZGQlM0IlMjIlM0UlM0NhJTIwc3R5bGUlM0QlMjJjb2xvciUzQSUyMzAwMDAwMCUyMiUzRSUzQ3NwYW4lMjBjbGFzcyUzRCUyMnZjX2ljb25fZWxlbWVudC1pY29uJTIwZmElMjBmYS1kb3dubG9hZCUyMiUyMHN0eWxlJTNEJTIyY29sb3IlM0ElMjNiNzI0MjQlMjAlMjFpbXBvcnRhbnQlMjIlMjBhcmlhLWhpZGRlbiUzRCUyMnRydWUlMjIlM0UlM0MlMkZzcGFuJTNFJTI2bmJzcCUzQiUyNm5ic3AlM0JSdWxlcyUyMG9mJTIwdGhlJTIwQXNzb2NpYXRpb24lM0MlMkZhJTNFJTNDJTJGaDIlM0UlNUIlMkZzdV9saWdodGJveCU1RCUwQSU1QnN1X2xpZ2h0Ym94X2NvbnRlbnQlMjBpZCUzRCUyMiUyM215LWN1c3RvbS1wb3B1cDIlMjIlNUQlM0NpZnJhbWUlMjBzcmMlM0QlMjJodHRwJTNBJTJGJTJGZGV2LnN2YmxhLmNvbSUyRndwLWNvbnRlbnQlMkZ1cGxvYWRzJTJGMjAxOSUyRjEyJTJGc3ZibGFfcnVsZXMucGRmJTIyJTIwd2lkdGglM0QlMjI5MDAlMjIlMjBoZWlnaHQlM0QlMjIxMjUwJTIyJTIwY2xhc3MlM0QlMjJzdS1kb2N1bWVudCUyMiUzRSUzQyUyRmlmcmFtZSUzRSU1QiUyRnN1X2xpZ2h0Ym94X2NvbnRlbnQlNUQlMEE=[/vc_raw_html][vc_empty_space height=\"15px\"][vc_column_text][su_button url=\"http://dev.svbla.com/contact-us/#makeappt\" target=\"self\" style=\"3d\" background=\"#e13454\" color=\"#FFFFFF\" size=\"8\" wide=\"yes\" center=\"yes\" radius=\"5\" icon=\"\" icon_color=\"#FFFFFF\" text_shadow=\"none\" desc=\"\" download=\"\" onclick=\"\" rel=\"\" title=\"\" id=\"\" class=\"\"]BECOME A MEMBER&nbsp;<i class=\"vc_btn3-icon fa fa-caret-right\" aria-hidden=\"true\"></i>[/su_button][/vc_column_text][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"top\"][vc_column width=\"3/4\"][vc_empty_space][vc_custom_heading text=\"<span class=``pe-7s-like2``></span>BENEFITS OF MEMBERSHIP\" font_container=\"tag:h2|font_size:34|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"-1px\" css=\".vc_custom_1580078819523{background-color: #3768b4 !important;}\" el_id=\"svbla-member-benefits\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_custom_heading text=\"Putting our members first\" font_container=\"tag:h3|font_size:22|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580072610008{margin-top: 20px !important;}\"][vc_custom_heading text=\"We’ve had the same purpose now for over 78 years: to help ordinary people buy their own homes and save for their futures. Put simply, those who save with us help those who mortgage through us.<br />\nThat’s what being a mutual building society means. And as we’re owned by you, our members, we listen to what you want. It’s this that shapes our future – and helps us build society, nationwide.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580073676386{margin-top: 20px !important;}\" link=\"url:https%3A%2F%2Fwww.nationwide.co.uk%2Fabout%2Fwhy-choose-nationwide%2Fall-about-membership%23tab%3AMembership||target:%20_blank|\"][vc_custom_heading text=\"The benefits of membership\" font_container=\"tag:h3|font_size:20|text_align:justify|color:%23154fa9\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580072904139{margin-top: 20px !important;}\"][vc_custom_heading text=\"Having shareholders (in the way that banks do) to answer to means we can bring our members some unique benefits. We can also help their friends, families, and the communities they (and we) are part of.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580076385315{margin-top: 20px !important;}\" link=\"url:https%3A%2F%2Fwww.nationwide.co.uk%2Fabout%2Fwhy-choose-nationwide%2Fall-about-membership%23tab%3AMembership||target:%20_blank|\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_row_inner equal_height=\"yes\" gap=\"10\" css=\".vc_custom_1580076078698{margin-top: 0px !important;}\"][vc_column_inner width=\"1/3\"][vc_btn title=\"For you\" style=\"flat\" shape=\"square\" color=\"pink\" size=\"lg\" align=\"center\" i_icon_fontawesome=\"fa fa-heart\" button_block=\"true\" add_icon=\"true\"][vc_custom_heading text=\"<span class=``left``><i class=``fa fa-heart fa-2x`` style=``color:#ffffff; vertical-align:middle`` aria-hidden=``true``></i></span><span style=``margin-left:20px;`` class=``right``>For you</span></a>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" el_id=\"fa fa-heart\" css=\".vc_custom_1580084547707{padding-top: 40px !important;padding-bottom: 50px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong>Access to our just-for-members range</strong><br />\nIncluding savings accounts, credit cards, loans, home insurance, investments and financial protection.</p>\n<p><strong>Your voice heard</strong><br />\nHave your say and help shape the SVBLA through our online community Connect, or at our Annual General Meeting (AGM). The people you vote for help shape SVBLA’s direction and priorities. You can also connect with us on social media.</p>\n</div>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080257336{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_btn title=\"For your family and friends\" style=\"flat\" shape=\"square\" color=\"pink\" size=\"lg\" align=\"center\" i_icon_fontawesome=\"fa fa-users\" button_block=\"true\" add_icon=\"true\"][vc_custom_heading text=\"<span class=``left``><i class=``fa fa-users fa-2x`` style=``color:#ffffff; vertical-align:middle`` aria-hidden=``true``></i></span><span style=``margin-left:20px;`` class=``right``>For your<br />\nfamily and friends</span></a>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580078598584{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-users fa-2x`` aria-hidden=``true``></i><br />\n<span>For your<br />\nfamily and friends<br />\n</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580168800644{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong><a href=``#``>Your support recognised</a></strong><br />\nRecommend one of our current accounts* to a family member or friend and, if they switch their current account to us within 90 days, you’ll each receive $100.You can recommend up to three people a year.</p>\n<p><strong><a href=``#``>Helping you help your family</a></strong><br />\nWith our Family Deposit Mortgages, you can borrow against your own home and gift the money to a family member to help them buy a place of their own.</div>\n<h4>Our mortgages are available to Vincentian residents aged 18 and over. all mortgages are subject to underwriting and criteria.<br />\nYour mortgage is secured on your home, which you could lose if you do not keep up with your mortgage repayments.</h4>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080417124{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_btn title=\"For your community and society\" style=\"flat\" shape=\"square\" color=\"pink\" size=\"lg\" align=\"left\" i_icon_fontawesome=\"fa fa-globe\" button_block=\"true\" add_icon=\"true\"][vc_custom_heading text=\"<span class=``left``><i class=``fa fa-globe fa-2x`` style=``color:#ffffff; vertical-align:middle`` aria-hidden=``true``></i></span><span style=``margin-left:20px;`` class=``right``>For your community and society</span></a>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580083005744{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong>You help make a difference</strong><br />\nIn 2007, our members decided we should give at least 1% of pre-tax profits to local causes. Today, we\'re still doing just that – with a focus on tackling the housing crisis so everyone has a place to call home. Our Community grants programme means housing organisations and charities can apply for grants of up to $50,000 to help make a change.</p>\n<p><strong>We\'re on the high street</strong><br />\nWe\'re committed to giving our members the best possible experience. We know that, no matter how good technology gets, there\'ll be times when you\'d rather deal with us in person.</p>\n<p><strong>You can help us support our charity partners</strong><br />\nJoin in with your branch’s initiatives supporting local charities and SVBLA’s charity partners – Macmillan Cancer Support and Shelter. Just pop in to find out more.</div>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080583421{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1579197900706{border-left-width: 2px !important;border-left-color: #e8e8e8 !important;border-left-style: solid !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"3747\" img_size=\"250x250\" alignment=\"center\" css_animation=\"none\"][vc_empty_space height=\"20px\"][vc_empty_space height=\"15px\"][/vc_column][/vc_row][vc_row 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23:50:58','2020-01-27 23:50:58','',2889,'http://dev.svbla.com/2020/01/27/2889-revision-v1/',0,'revision','',0),(3825,2,'2020-01-28 00:00:32','2020-01-28 00:00:32','<p>[vc_row equal_height=\"yes\" content_placement=\"top\"][vc_column width=\"3/4\"][vc_empty_space height=\"40px\"][vc_custom_heading text=\"<span class=``pe-7s-users``></span>WHAT MAKES ME A MEMBER\" font_container=\"tag:h2|font_size:34|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"-1px\" css=\".vc_custom_1580073091125{background-color: #3768b4 !important;}\"][vc_custom_heading text=\"<strong>You’re a member when you have a shares account, savings account or a loan with us.</strong><br />\nThere are two (2) classes of membership: Full Membership and Associate Membership.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580073661320{margin-top: 20px !important;}\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_custom_heading text=\"Full Membership\" font_container=\"tag:h3|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1578448971845{margin-top: 20px !important;}\"][vc_custom_heading text=\"A person shall be deemed to be a full member upon the purchasing of a minimum of 100 shares at a value as may be determined by the Association from time to time.<br />\nFull membership allows full access to the products and services offered by the Association, subject to the satisfaction of the specific requirements established for those products and services.<br />\nFull members shall have the right to nominate candidates for the Board of Directors (BOD), be nominated as a candidate for the Board and vote at Annual General Meetings and Special Meetings in keeping with the provisions of the Rules of the Association.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\"][vc_custom_heading text=\"Associate Membership\" font_container=\"tag:h3|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1578448988423{margin-top: 20px !important;}\"][vc_custom_heading text=\"Persons with 25 shares qualify for Associate Membership, with limited access to products and services.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\"][vc_empty_space height=\"40px\"][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1579197900706{border-left-width: 2px !important;border-left-color: #e8e8e8 !important;border-left-style: solid !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"5\" img_size=\"250x250\" alignment=\"center\" css_animation=\"none\"][vc_empty_space height=\"20px\"][vc_raw_html]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[/vc_raw_html][vc_empty_space height=\"15px\"][vc_column_text][su_button url=\"http://dev.svbla.com/contact-us/#makeappt\" target=\"self\" style=\"3d\" background=\"#e13454\" color=\"#FFFFFF\" size=\"8\" wide=\"yes\" center=\"yes\" radius=\"5\" icon=\"\" icon_color=\"#FFFFFF\" text_shadow=\"none\" desc=\"\" download=\"\" onclick=\"\" rel=\"\" title=\"\" id=\"\" class=\"\"]BECOME A MEMBER&nbsp;<i class=\"vc_btn3-icon fa fa-caret-right\" aria-hidden=\"true\"></i>[/su_button][/vc_column_text][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"top\"][vc_column width=\"3/4\"][vc_empty_space][vc_custom_heading text=\"<span class=``pe-7s-like2``></span>BENEFITS OF MEMBERSHIP\" font_container=\"tag:h2|font_size:34|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"-1px\" css=\".vc_custom_1580078819523{background-color: #3768b4 !important;}\" el_id=\"svbla-member-benefits\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_custom_heading text=\"Putting our members first\" font_container=\"tag:h3|font_size:22|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580072610008{margin-top: 20px !important;}\"][vc_custom_heading text=\"We’ve had the same purpose now for over 78 years: to help ordinary people buy their own homes and save for their futures. Put simply, those who save with us help those who mortgage through us.<br />\nThat’s what being a mutual building society means. And as we’re owned by you, our members, we listen to what you want. It’s this that shapes our future – and helps us build society, nationwide.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580073676386{margin-top: 20px !important;}\" link=\"url:https%3A%2F%2Fwww.nationwide.co.uk%2Fabout%2Fwhy-choose-nationwide%2Fall-about-membership%23tab%3AMembership||target:%20_blank|\"][vc_custom_heading text=\"The benefits of membership\" font_container=\"tag:h3|font_size:20|text_align:justify|color:%23154fa9\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580072904139{margin-top: 20px !important;}\"][vc_custom_heading text=\"Having shareholders (in the way that banks do) to answer to means we can bring our members some unique benefits. We can also help their friends, families, and the communities they (and we) are part of.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580076385315{margin-top: 20px !important;}\" link=\"url:https%3A%2F%2Fwww.nationwide.co.uk%2Fabout%2Fwhy-choose-nationwide%2Fall-about-membership%23tab%3AMembership||target:%20_blank|\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_row_inner equal_height=\"yes\" gap=\"10\" css=\".vc_custom_1580076078698{margin-top: 0px !important;}\"][vc_column_inner width=\"1/3\"][vc_btn title=\"For you\" style=\"flat\" shape=\"square\" color=\"pink\" size=\"lg\" align=\"center\" i_icon_fontawesome=\"fa fa-heart\" button_block=\"true\" add_icon=\"true\"][vc_custom_heading text=\"<span class=``left``><i class=``fa fa-heart fa-2x`` style=``color:#ffffff; vertical-align:middle`` aria-hidden=``true``></i></span><span style=``margin-left:20px;`` class=``right``>For you</span></a>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" el_id=\"fa fa-heart\" css=\".vc_custom_1580084547707{padding-top: 40px !important;padding-bottom: 50px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-heart fa-2x`` aria-hidden=``true``></i><br />\n<span>For you</span>\n</li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580169556766{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong>Access to our just-for-members range</strong><br />\nIncluding savings accounts, credit cards, loans, home insurance, investments and financial protection.</p>\n<p><strong>Your voice heard</strong><br />\nHave your say and help shape the SVBLA through our online community Connect, or at our Annual General Meeting (AGM). The people you vote for help shape SVBLA’s direction and priorities. You can also connect with us on social media.</p>\n</div>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080257336{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_btn title=\"For your family and friends\" style=\"flat\" shape=\"square\" color=\"pink\" size=\"lg\" align=\"center\" i_icon_fontawesome=\"fa fa-users\" button_block=\"true\" add_icon=\"true\"][vc_custom_heading text=\"<span class=``left``><i class=``fa fa-users fa-2x`` style=``color:#ffffff; vertical-align:middle`` aria-hidden=``true``></i></span><span style=``margin-left:20px;`` class=``right``>For your<br />\nfamily and friends</span></a>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580078598584{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-users fa-2x`` aria-hidden=``true``></i><br />\n<span>For your<br />\nfamily and friends<br />\n</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580168800644{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong><a href=``#``>Your support recognised</a></strong><br />\nRecommend one of our current accounts* to a family member or friend and, if they switch their current account to us within 90 days, you’ll each receive $100.You can recommend up to three people a year.</p>\n<p><strong><a href=``#``>Helping you help your family</a></strong><br />\nWith our Family Deposit Mortgages, you can borrow against your own home and gift the money to a family member to help them buy a place of their own.</div>\n<h4>Our mortgages are available to Vincentian residents aged 18 and over. all mortgages are subject to underwriting and criteria.<br />\nYour mortgage is secured on your home, which you could lose if you do not keep up with your mortgage repayments.</h4>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080417124{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_btn title=\"For your community and society\" style=\"flat\" shape=\"square\" color=\"pink\" size=\"lg\" align=\"left\" i_icon_fontawesome=\"fa fa-globe\" button_block=\"true\" add_icon=\"true\"][vc_custom_heading text=\"<span class=``left``><i class=``fa fa-globe fa-2x`` style=``color:#ffffff; vertical-align:middle`` aria-hidden=``true``></i></span><span style=``margin-left:20px;`` class=``right``>For your community and society</span></a>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580083005744{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-users fa-2x`` aria-hidden=``true``></i><br />\n<span>For your<br />\nfamily and friends<br />\n</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580168800644{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong>You help make a difference</strong><br />\nIn 2007, our members decided we should give at least 1% of pre-tax profits to local causes. Today, we\'re still doing just that – with a focus on tackling the housing crisis so everyone has a place to call home. Our Community grants programme means housing organisations and charities can apply for grants of up to $50,000 to help make a change.</p>\n<p><strong>We\'re on the high street</strong><br />\nWe\'re committed to giving our members the best possible experience. We know that, no matter how good technology gets, there\'ll be times when you\'d rather deal with us in person.</p>\n<p><strong>You can help us support our charity partners</strong><br />\nJoin in with your branch’s initiatives supporting local charities and SVBLA’s charity partners – Macmillan Cancer Support and Shelter. Just pop in to find out more.</div>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080583421{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1579197900706{border-left-width: 2px !important;border-left-color: #e8e8e8 !important;border-left-style: solid !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"3747\" img_size=\"250x250\" alignment=\"center\" css_animation=\"none\"][vc_empty_space height=\"20px\"][vc_empty_space height=\"15px\"][/vc_column][/vc_row][vc_row 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00:00:32','2020-01-28 00:00:32','',2889,'http://dev.svbla.com/2020/01/28/2889-revision-v1/',0,'revision','',0),(3826,2,'2020-01-28 00:01:55','2020-01-28 00:01:55','<p>[vc_row equal_height=\"yes\" content_placement=\"top\"][vc_column width=\"3/4\"][vc_empty_space height=\"40px\"][vc_custom_heading text=\"<span class=``pe-7s-users``></span>WHAT MAKES ME A MEMBER\" font_container=\"tag:h2|font_size:34|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"-1px\" css=\".vc_custom_1580073091125{background-color: #3768b4 !important;}\"][vc_custom_heading text=\"<strong>You’re a member when you have a shares account, savings account or a loan with us.</strong><br />\nThere are two (2) classes of membership: Full Membership and Associate Membership.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580073661320{margin-top: 20px !important;}\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_custom_heading text=\"Full Membership\" font_container=\"tag:h3|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1578448971845{margin-top: 20px !important;}\"][vc_custom_heading text=\"A person shall be deemed to be a full member upon the purchasing of a minimum of 100 shares at a value as may be determined by the Association from time to time.<br />\nFull membership allows full access to the products and services offered by the Association, subject to the satisfaction of the specific requirements established for those products and services.<br />\nFull members shall have the right to nominate candidates for the Board of Directors (BOD), be nominated as a candidate for the Board and vote at Annual General Meetings and Special Meetings in keeping with the provisions of the Rules of the Association.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\"][vc_custom_heading text=\"Associate Membership\" font_container=\"tag:h3|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1578448988423{margin-top: 20px !important;}\"][vc_custom_heading text=\"Persons with 25 shares qualify for Associate Membership, with limited access to products and services.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\"][vc_empty_space height=\"40px\"][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1579197900706{border-left-width: 2px !important;border-left-color: #e8e8e8 !important;border-left-style: solid !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"5\" img_size=\"250x250\" alignment=\"center\" css_animation=\"none\"][vc_empty_space height=\"20px\"][vc_raw_html]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[/vc_raw_html][vc_empty_space height=\"15px\"][vc_column_text][su_button url=\"http://dev.svbla.com/contact-us/#makeappt\" target=\"self\" style=\"3d\" background=\"#e13454\" color=\"#FFFFFF\" size=\"8\" wide=\"yes\" center=\"yes\" radius=\"5\" icon=\"\" icon_color=\"#FFFFFF\" text_shadow=\"none\" desc=\"\" download=\"\" onclick=\"\" rel=\"\" title=\"\" id=\"\" class=\"\"]BECOME A MEMBER&nbsp;<i class=\"vc_btn3-icon fa fa-caret-right\" aria-hidden=\"true\"></i>[/su_button][/vc_column_text][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"top\"][vc_column width=\"3/4\"][vc_empty_space][vc_custom_heading text=\"<span class=``pe-7s-like2``></span>BENEFITS OF MEMBERSHIP\" font_container=\"tag:h2|font_size:34|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"-1px\" css=\".vc_custom_1580078819523{background-color: #3768b4 !important;}\" el_id=\"svbla-member-benefits\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_custom_heading text=\"Putting our members first\" font_container=\"tag:h3|font_size:22|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580072610008{margin-top: 20px !important;}\"][vc_custom_heading text=\"We’ve had the same purpose now for over 78 years: to help ordinary people buy their own homes and save for their futures. Put simply, those who save with us help those who mortgage through us.<br />\nThat’s what being a mutual building society means. And as we’re owned by you, our members, we listen to what you want. It’s this that shapes our future – and helps us build society, nationwide.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580073676386{margin-top: 20px !important;}\" link=\"url:https%3A%2F%2Fwww.nationwide.co.uk%2Fabout%2Fwhy-choose-nationwide%2Fall-about-membership%23tab%3AMembership||target:%20_blank|\"][vc_custom_heading text=\"The benefits of membership\" font_container=\"tag:h3|font_size:20|text_align:justify|color:%23154fa9\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580072904139{margin-top: 20px !important;}\"][vc_custom_heading text=\"Having shareholders (in the way that banks do) to answer to means we can bring our members some unique benefits. We can also help their friends, families, and the communities they (and we) are part of.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580076385315{margin-top: 20px !important;}\" link=\"url:https%3A%2F%2Fwww.nationwide.co.uk%2Fabout%2Fwhy-choose-nationwide%2Fall-about-membership%23tab%3AMembership||target:%20_blank|\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_row_inner equal_height=\"yes\" gap=\"10\" css=\".vc_custom_1580076078698{margin-top: 0px !important;}\"][vc_column_inner width=\"1/3\"][vc_btn title=\"For you\" style=\"flat\" shape=\"square\" color=\"pink\" size=\"lg\" align=\"center\" i_icon_fontawesome=\"fa fa-heart\" button_block=\"true\" add_icon=\"true\"][vc_custom_heading text=\"<span class=``left``><i class=``fa fa-heart fa-2x`` style=``color:#ffffff; vertical-align:middle`` aria-hidden=``true``></i></span><span style=``margin-left:20px;`` class=``right``>For you</span></a>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" el_id=\"fa fa-heart\" css=\".vc_custom_1580084547707{padding-top: 40px !important;padding-bottom: 50px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-heart fa-2x`` aria-hidden=``true``></i><br />\n<span>For you</span>\n</li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580169556766{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong>Access to our just-for-members range</strong><br />\nIncluding savings accounts, credit cards, loans, home insurance, investments and financial protection.</p>\n<p><strong>Your voice heard</strong><br />\nHave your say and help shape the SVBLA through our online community Connect, or at our Annual General Meeting (AGM). The people you vote for help shape SVBLA’s direction and priorities. You can also connect with us on social media.</p>\n</div>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080257336{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_btn title=\"For your family and friends\" style=\"flat\" shape=\"square\" color=\"pink\" size=\"lg\" align=\"center\" i_icon_fontawesome=\"fa fa-users\" button_block=\"true\" add_icon=\"true\"][vc_custom_heading text=\"<span class=``left``><i class=``fa fa-users fa-2x`` style=``color:#ffffff; vertical-align:middle`` aria-hidden=``true``></i></span><span style=``margin-left:20px;`` class=``right``>For your<br />\nfamily and friends</span></a>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580078598584{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-users fa-2x`` aria-hidden=``true``></i><br />\n<span>For your<br />\nfamily and friends<br />\n</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580168800644{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong><a href=``#``>Your support recognised</a></strong><br />\nRecommend one of our current accounts* to a family member or friend and, if they switch their current account to us within 90 days, you’ll each receive $100.You can recommend up to three people a year.</p>\n<p><strong><a href=``#``>Helping you help your family</a></strong><br />\nWith our Family Deposit Mortgages, you can borrow against your own home and gift the money to a family member to help them buy a place of their own.</div>\n<h4>Our mortgages are available to Vincentian residents aged 18 and over. all mortgages are subject to underwriting and criteria.<br />\nYour mortgage is secured on your home, which you could lose if you do not keep up with your mortgage repayments.</h4>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080417124{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_btn title=\"For your community and society\" style=\"flat\" shape=\"square\" color=\"pink\" size=\"lg\" align=\"left\" i_icon_fontawesome=\"fa fa-globe\" button_block=\"true\" add_icon=\"true\"][vc_custom_heading text=\"<span class=``left``><i class=``fa fa-globe fa-2x`` style=``color:#ffffff; vertical-align:middle`` aria-hidden=``true``></i></span><span style=``margin-left:20px;`` class=``right``>For your community and society</span></a>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580083005744{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-globe fa-2x`` aria-hidden=``true``></i><br />\n<span>For your<br> community and society</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580169695800{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong>You help make a difference</strong><br />\nIn 2007, our members decided we should give at least 1% of pre-tax profits to local causes. Today, we\'re still doing just that – with a focus on tackling the housing crisis so everyone has a place to call home. Our Community grants programme means housing organisations and charities can apply for grants of up to $50,000 to help make a change.</p>\n<p><strong>We\'re on the high street</strong><br />\nWe\'re committed to giving our members the best possible experience. We know that, no matter how good technology gets, there\'ll be times when you\'d rather deal with us in person.</p>\n<p><strong>You can help us support our charity partners</strong><br />\nJoin in with your branch’s initiatives supporting local charities and SVBLA’s charity partners – Macmillan Cancer Support and Shelter. Just pop in to find out more.</div>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080583421{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1579197900706{border-left-width: 2px !important;border-left-color: #e8e8e8 !important;border-left-style: solid !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"3747\" img_size=\"250x250\" alignment=\"center\" css_animation=\"none\"][vc_empty_space height=\"20px\"][vc_empty_space height=\"15px\"][/vc_column][/vc_row][vc_row 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00:01:55','2020-01-28 00:01:55','',2889,'http://dev.svbla.com/2020/01/28/2889-revision-v1/',0,'revision','',0),(3827,2,'2020-01-28 00:03:24','2020-01-28 00:03:24','<p>[vc_row equal_height=\"yes\" content_placement=\"top\"][vc_column width=\"3/4\"][vc_empty_space height=\"40px\"][vc_custom_heading text=\"<span class=``pe-7s-users``></span>WHAT MAKES ME A MEMBER\" font_container=\"tag:h2|font_size:34|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"-1px\" css=\".vc_custom_1580073091125{background-color: #3768b4 !important;}\"][vc_custom_heading text=\"<strong>You’re a member when you have a shares account, savings account or a loan with us.</strong><br />\nThere are two (2) classes of membership: Full Membership and Associate Membership.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580073661320{margin-top: 20px !important;}\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_custom_heading text=\"Full Membership\" font_container=\"tag:h3|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1578448971845{margin-top: 20px !important;}\"][vc_custom_heading text=\"A person shall be deemed to be a full member upon the purchasing of a minimum of 100 shares at a value as may be determined by the Association from time to time.<br />\nFull membership allows full access to the products and services offered by the Association, subject to the satisfaction of the specific requirements established for those products and services.<br />\nFull members shall have the right to nominate candidates for the Board of Directors (BOD), be nominated as a candidate for the Board and vote at Annual General Meetings and Special Meetings in keeping with the provisions of the Rules of the Association.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\"][vc_custom_heading text=\"Associate Membership\" font_container=\"tag:h3|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1578448988423{margin-top: 20px !important;}\"][vc_custom_heading text=\"Persons with 25 shares qualify for Associate Membership, with limited access to products and services.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\"][vc_empty_space height=\"40px\"][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1579197900706{border-left-width: 2px !important;border-left-color: #e8e8e8 !important;border-left-style: solid !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"5\" img_size=\"250x250\" alignment=\"center\" css_animation=\"none\"][vc_empty_space height=\"20px\"][vc_raw_html]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[/vc_raw_html][vc_empty_space height=\"15px\"][vc_column_text][su_button url=\"http://dev.svbla.com/contact-us/#makeappt\" target=\"self\" style=\"3d\" background=\"#e13454\" color=\"#FFFFFF\" size=\"8\" wide=\"yes\" center=\"yes\" radius=\"5\" icon=\"\" icon_color=\"#FFFFFF\" text_shadow=\"none\" desc=\"\" download=\"\" onclick=\"\" rel=\"\" title=\"\" id=\"\" class=\"\"]BECOME A MEMBER&nbsp;<i class=\"vc_btn3-icon fa fa-caret-right\" aria-hidden=\"true\"></i>[/su_button][/vc_column_text][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"top\"][vc_column width=\"3/4\"][vc_empty_space][vc_custom_heading text=\"<span class=``pe-7s-like2``></span>BENEFITS OF MEMBERSHIP\" font_container=\"tag:h2|font_size:34|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"-1px\" css=\".vc_custom_1580078819523{background-color: #3768b4 !important;}\" el_id=\"svbla-member-benefits\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_custom_heading text=\"Putting our members first\" font_container=\"tag:h3|font_size:22|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580072610008{margin-top: 20px !important;}\"][vc_custom_heading text=\"We’ve had the same purpose now for over 78 years: to help ordinary people buy their own homes and save for their futures. Put simply, those who save with us help those who mortgage through us.<br />\nThat’s what being a mutual building society means. And as we’re owned by you, our members, we listen to what you want. It’s this that shapes our future – and helps us build society, nationwide.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580073676386{margin-top: 20px !important;}\" link=\"url:https%3A%2F%2Fwww.nationwide.co.uk%2Fabout%2Fwhy-choose-nationwide%2Fall-about-membership%23tab%3AMembership||target:%20_blank|\"][vc_custom_heading text=\"The benefits of membership\" font_container=\"tag:h3|font_size:20|text_align:justify|color:%23154fa9\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580072904139{margin-top: 20px !important;}\"][vc_custom_heading text=\"Having shareholders (in the way that banks do) to answer to means we can bring our members some unique benefits. We can also help their friends, families, and the communities they (and we) are part of.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580076385315{margin-top: 20px !important;}\" link=\"url:https%3A%2F%2Fwww.nationwide.co.uk%2Fabout%2Fwhy-choose-nationwide%2Fall-about-membership%23tab%3AMembership||target:%20_blank|\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_row_inner equal_height=\"yes\" gap=\"10\" css=\".vc_custom_1580076078698{margin-top: 0px !important;}\"][vc_column_inner width=\"1/3\"][vc_btn title=\"For you\" style=\"flat\" shape=\"square\" color=\"pink\" size=\"lg\" align=\"center\" i_icon_fontawesome=\"fa fa-heart\" button_block=\"true\" add_icon=\"true\"][vc_custom_heading text=\"<span class=``left``><i class=``fa fa-heart fa-2x`` style=``color:#ffffff; vertical-align:middle`` aria-hidden=``true``></i></span><span style=``margin-left:20px;`` class=``right``>For you</span></a>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" el_id=\"fa fa-heart\" css=\".vc_custom_1580084547707{padding-top: 40px !important;padding-bottom: 50px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-heart fa-2x`` aria-hidden=``true``></i><br />\n<span>For you</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580169556766{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong>Access to our just-for-members range</strong><br />\nIncluding savings accounts, credit cards, loans, home insurance, investments and financial protection.</p>\n<p><strong>Your voice heard</strong><br />\nHave your say and help shape the SVBLA through our online community Connect, or at our Annual General Meeting (AGM). The people you vote for help shape SVBLA’s direction and priorities. You can also connect with us on social media.</p>\n</div>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080257336{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_btn title=\"For your family and friends\" style=\"flat\" shape=\"square\" color=\"pink\" size=\"lg\" align=\"center\" i_icon_fontawesome=\"fa fa-users\" button_block=\"true\" add_icon=\"true\"][vc_custom_heading text=\"<span class=``left``><i class=``fa fa-users fa-2x`` style=``color:#ffffff; vertical-align:middle`` aria-hidden=``true``></i></span><span style=``margin-left:20px;`` class=``right``>For your<br />\nfamily and friends</span></a>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580078598584{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-users fa-2x`` aria-hidden=``true``></i><br />\n<span>For your<br />\nfamily and friends<br />\n</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580168800644{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong><a href=``#``>Your support recognised</a></strong><br />\nRecommend one of our current accounts* to a family member or friend and, if they switch their current account to us within 90 days, you’ll each receive $100.You can recommend up to three people a year.</p>\n<p><strong><a href=``#``>Helping you help your family</a></strong><br />\nWith our Family Deposit Mortgages, you can borrow against your own home and gift the money to a family member to help them buy a place of their own.</div>\n<h4>Our mortgages are available to Vincentian residents aged 18 and over. all mortgages are subject to underwriting and criteria.<br />\nYour mortgage is secured on your home, which you could lose if you do not keep up with your mortgage repayments.</h4>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080417124{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_btn title=\"For your community and society\" style=\"flat\" shape=\"square\" color=\"pink\" size=\"lg\" align=\"left\" i_icon_fontawesome=\"fa fa-globe\" button_block=\"true\" add_icon=\"true\"][vc_custom_heading text=\"<span class=``left``><i class=``fa fa-globe fa-2x`` style=``color:#ffffff; vertical-align:middle`` aria-hidden=``true``></i></span><span style=``margin-left:20px;`` class=``right``>For your community and society</span></a>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580083005744{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-globe fa-2x`` aria-hidden=``true``></i><br />\n<span>For your<br />\ncommunity and society</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580169695800{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong>You help make a difference</strong><br />\nIn 2007, our members decided we should give at least 1% of pre-tax profits to local causes. Today, we\'re still doing just that – with a focus on tackling the housing crisis so everyone has a place to call home. Our Community grants programme means housing organisations and charities can apply for grants of up to $50,000 to help make a change.</p>\n<p><strong>We\'re on the high street</strong><br />\nWe\'re committed to giving our members the best possible experience. We know that, no matter how good technology gets, there\'ll be times when you\'d rather deal with us in person.</p>\n<p><strong>You can help us support our charity partners</strong><br />\nJoin in with your branch’s initiatives supporting local charities and SVBLA’s charity partners – Macmillan Cancer Support and Shelter. Just pop in to find out more.</div>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080583421{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1579197900706{border-left-width: 2px !important;border-left-color: #e8e8e8 !important;border-left-style: solid !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"3747\" img_size=\"250x250\" alignment=\"center\" css_animation=\"none\"][vc_empty_space height=\"20px\"][vc_empty_space height=\"15px\"][/vc_column][/vc_row][vc_row 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00:03:24','2020-01-28 00:03:24','',2889,'http://dev.svbla.com/2020/01/28/2889-revision-v1/',0,'revision','',0),(3833,2,'2020-01-28 01:50:32','2020-01-28 01:50:32','<p>[vc_row equal_height=\"yes\" content_placement=\"top\"][vc_column width=\"3/4\"][vc_empty_space height=\"40px\"][vc_custom_heading text=\"<span class=``pe-7s-users``></span>WHAT MAKES ME A MEMBER\" font_container=\"tag:h2|font_size:34|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"-1px\" css=\".vc_custom_1580073091125{background-color: #3768b4 !important;}\"][vc_custom_heading text=\"<strong>You’re a member when you have a shares account, savings account or a loan with us.</strong><br />\nThere are two (2) classes of membership: Full Membership and Associate Membership.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580073661320{margin-top: 20px !important;}\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_custom_heading text=\"Full Membership\" font_container=\"tag:h3|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1578448971845{margin-top: 20px !important;}\"][vc_custom_heading text=\"A person shall be deemed to be a full member upon the purchasing of a minimum of 100 shares at a value as may be determined by the Association from time to time.<br />\nFull membership allows full access to the products and services offered by the Association, subject to the satisfaction of the specific requirements established for those products and services.<br />\nFull members shall have the right to nominate candidates for the Board of Directors (BOD), be nominated as a candidate for the Board and vote at Annual General Meetings and Special Meetings in keeping with the provisions of the Rules of the Association.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\"][vc_custom_heading text=\"Associate Membership\" font_container=\"tag:h3|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1578448988423{margin-top: 20px !important;}\"][vc_custom_heading text=\"Persons with 25 shares qualify for Associate Membership, with limited access to products and services.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\"][vc_empty_space height=\"40px\"][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1579197900706{border-left-width: 2px !important;border-left-color: #e8e8e8 !important;border-left-style: solid !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"5\" img_size=\"250x250\" alignment=\"center\" 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height=\"20px\"][vc_raw_html]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[/vc_raw_html][vc_empty_space height=\"15px\"][vc_column_text][su_button url=\"http://dev.svbla.com/contact-us/#makeappt\" target=\"self\" style=\"3d\" background=\"#e13454\" color=\"#FFFFFF\" size=\"8\" wide=\"yes\" center=\"yes\" radius=\"5\" icon=\"\" icon_color=\"#FFFFFF\" text_shadow=\"none\" desc=\"\" download=\"\" onclick=\"\" rel=\"\" title=\"\" id=\"\" class=\"\"]BECOME A MEMBER&nbsp;<i class=\"vc_btn3-icon fa fa-caret-right\" aria-hidden=\"true\"></i>[/su_button][/vc_column_text][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"top\"][vc_column width=\"3/4\"][vc_empty_space][vc_custom_heading text=\"<span class=``pe-7s-like2``></span>BENEFITS OF MEMBERSHIP\" font_container=\"tag:h2|font_size:34|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"-1px\" css=\".vc_custom_1580078819523{background-color: #3768b4 !important;}\" el_id=\"svbla-member-benefits\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_custom_heading text=\"Putting our members first\" font_container=\"tag:h3|font_size:22|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580072610008{margin-top: 20px !important;}\"][vc_custom_heading text=\"We’ve had the same purpose now for over 78 years: to help ordinary people buy their own homes and save for their futures. Put simply, those who save with us help those who mortgage through us.<br />\nThat’s what being a mutual building society means. And as we’re owned by you, our members, we listen to what you want. It’s this that shapes our future – and helps us build society, nationwide.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580073676386{margin-top: 20px !important;}\" link=\"url:https%3A%2F%2Fwww.nationwide.co.uk%2Fabout%2Fwhy-choose-nationwide%2Fall-about-membership%23tab%3AMembership||target:%20_blank|\"][vc_custom_heading text=\"The benefits of membership\" font_container=\"tag:h3|font_size:20|text_align:justify|color:%23154fa9\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580072904139{margin-top: 20px !important;}\"][vc_custom_heading text=\"Having shareholders (in the way that banks do) to answer to means we can bring our members some unique benefits. We can also help their friends, families, and the communities they (and we) are part of.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580076385315{margin-top: 20px !important;}\" link=\"url:https%3A%2F%2Fwww.nationwide.co.uk%2Fabout%2Fwhy-choose-nationwide%2Fall-about-membership%23tab%3AMembership||target:%20_blank|\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_row_inner equal_height=\"yes\" gap=\"10\" css=\".vc_custom_1580076078698{margin-top: 0px !important;}\"][vc_column_inner width=\"1/3\"][vc_btn title=\"For you\" style=\"flat\" shape=\"square\" color=\"pink\" size=\"lg\" align=\"center\" i_icon_fontawesome=\"fa fa-heart\" button_block=\"true\" add_icon=\"true\"][vc_custom_heading text=\"<span class=``left``><i class=``fa fa-heart fa-2x`` style=``color:#ffffff; vertical-align:middle`` aria-hidden=``true``></i></span><span style=``margin-left:20px;`` class=``right``>For you</span></a>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" el_id=\"fa fa-heart\" css=\".vc_custom_1580084547707{padding-top: 40px !important;padding-bottom: 50px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-heart fa-2x`` aria-hidden=``true``></i><br />\n<span>For you</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580169556766{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong>Access to our just-for-members range</strong><br />\nIncluding savings accounts, credit cards, loans, home insurance, investments and financial protection.</p>\n<p><strong>Your voice heard</strong><br />\nHave your say and help shape the SVBLA through our online community Connect, or at our Annual General Meeting (AGM). The people you vote for help shape SVBLA’s direction and priorities. You can also connect with us on social media.</p>\n</div>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080257336{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_btn title=\"For your family and friends\" style=\"flat\" shape=\"square\" color=\"pink\" size=\"lg\" align=\"center\" i_icon_fontawesome=\"fa fa-users\" button_block=\"true\" add_icon=\"true\"][vc_custom_heading text=\"</p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-users fa-2x`` aria-hidden=``true``></i><br />\n<span>For your<br />\nfamily and friends<br />\n</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580176140170{padding-top: 40px !important;padding-right: 10px !important;padding-bottom: 10px !important;padding-left: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong><a href=``#``>Your support recognised</a></strong><br />\nRecommend one of our current accounts* to a family member or friend and, if they switch their current account to us within 90 days, you’ll each receive $100.You can recommend up to three people a year.</p>\n<p><strong><a href=``#``>Helping you help your family</a></strong><br />\nWith our Family Deposit Mortgages, you can borrow against your own home and gift the money to a family member to help them buy a place of their own.</div>\n<h4>Our mortgages are available to Vincentian residents aged 18 and over. all mortgages are subject to underwriting and criteria.<br />\nYour mortgage is secured on your home, which you could lose if you do not keep up with your mortgage repayments.</h4>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080417124{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_btn title=\"For your community and society\" style=\"flat\" shape=\"square\" color=\"pink\" size=\"lg\" align=\"left\" i_icon_fontawesome=\"fa fa-globe\" button_block=\"true\" add_icon=\"true\"][vc_custom_heading text=\"</p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-globe fa-2x`` aria-hidden=``true``></i><br />\n<span>For your community<br>and society</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580176192305{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong>You help make a difference</strong><br />\nIn 2007, our members decided we should give at least 1% of pre-tax profits to local causes. Today, we\'re still doing just that – with a focus on tackling the housing crisis so everyone has a place to call home. Our Community grants programme means housing organisations and charities can apply for grants of up to $50,000 to help make a change.</p>\n<p><strong>We\'re on the high street</strong><br />\nWe\'re committed to giving our members the best possible experience. We know that, no matter how good technology gets, there\'ll be times when you\'d rather deal with us in person.</p>\n<p><strong>You can help us support our charity partners</strong><br />\nJoin in with your branch’s initiatives supporting local charities and SVBLA’s charity partners – Macmillan Cancer Support and Shelter. Just pop in to find out more.</div>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080583421{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1579197900706{border-left-width: 2px !important;border-left-color: #e8e8e8 !important;border-left-style: solid !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"3747\" img_size=\"250x250\" alignment=\"center\" css_animation=\"none\"][vc_empty_space height=\"20px\"][vc_empty_space height=\"15px\"][/vc_column][/vc_row][vc_row 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01:50:32','2020-01-28 01:50:32','',2889,'http://dev.svbla.com/2020/01/28/2889-revision-v1/',0,'revision','',0),(3828,2,'2020-01-28 00:46:25','2020-01-28 00:46:25','<p>[vc_row equal_height=\"yes\" content_placement=\"top\"][vc_column width=\"3/4\"][vc_empty_space height=\"40px\"][vc_custom_heading text=\"<span class=``pe-7s-users``></span>WHAT MAKES ME A MEMBER\" font_container=\"tag:h2|font_size:34|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"-1px\" css=\".vc_custom_1580073091125{background-color: #3768b4 !important;}\"][vc_custom_heading text=\"<strong>You’re a member when you have a shares account, savings account or a loan with us.</strong><br />\nThere are two (2) classes of membership: Full Membership and Associate Membership.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580073661320{margin-top: 20px !important;}\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_custom_heading text=\"Full Membership\" font_container=\"tag:h3|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1578448971845{margin-top: 20px !important;}\"][vc_custom_heading text=\"A person shall be deemed to be a full member upon the purchasing of a minimum of 100 shares at a value as may be determined by the Association from time to time.<br />\nFull membership allows full access to the products and services offered by the Association, subject to the satisfaction of the specific requirements established for those products and services.<br />\nFull members shall have the right to nominate candidates for the Board of Directors (BOD), be nominated as a candidate for the Board and vote at Annual General Meetings and Special Meetings in keeping with the provisions of the Rules of the Association.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\"][vc_custom_heading text=\"Associate Membership\" font_container=\"tag:h3|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1578448988423{margin-top: 20px !important;}\"][vc_custom_heading text=\"Persons with 25 shares qualify for Associate Membership, with limited access to products and services.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\"][vc_empty_space height=\"40px\"][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1579197900706{border-left-width: 2px !important;border-left-color: #e8e8e8 !important;border-left-style: solid !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"5\" img_size=\"250x250\" alignment=\"center\" css_animation=\"none\"][vc_empty_space height=\"20px\"][vc_raw_html]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[/vc_raw_html][vc_empty_space height=\"15px\"][vc_column_text][su_button url=\"http://dev.svbla.com/contact-us/#makeappt\" target=\"self\" style=\"3d\" background=\"#e13454\" color=\"#FFFFFF\" size=\"8\" wide=\"yes\" center=\"yes\" radius=\"5\" icon=\"\" icon_color=\"#FFFFFF\" text_shadow=\"none\" desc=\"\" download=\"\" onclick=\"\" rel=\"\" title=\"\" id=\"\" class=\"\"]BECOME A MEMBER&nbsp;<i class=\"vc_btn3-icon fa fa-caret-right\" aria-hidden=\"true\"></i>[/su_button][/vc_column_text][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"top\"][vc_column width=\"3/4\"][vc_empty_space][vc_custom_heading text=\"<span class=``pe-7s-like2``></span>BENEFITS OF MEMBERSHIP\" font_container=\"tag:h2|font_size:34|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"-1px\" css=\".vc_custom_1580078819523{background-color: #3768b4 !important;}\" el_id=\"svbla-member-benefits\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_custom_heading text=\"Putting our members first\" font_container=\"tag:h3|font_size:22|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580072610008{margin-top: 20px !important;}\"][vc_custom_heading text=\"We’ve had the same purpose now for over 78 years: to help ordinary people buy their own homes and save for their futures. Put simply, those who save with us help those who mortgage through us.<br />\nThat’s what being a mutual building society means. And as we’re owned by you, our members, we listen to what you want. It’s this that shapes our future – and helps us build society, nationwide.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580073676386{margin-top: 20px !important;}\" link=\"url:https%3A%2F%2Fwww.nationwide.co.uk%2Fabout%2Fwhy-choose-nationwide%2Fall-about-membership%23tab%3AMembership||target:%20_blank|\"][vc_custom_heading text=\"The benefits of membership\" font_container=\"tag:h3|font_size:20|text_align:justify|color:%23154fa9\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580072904139{margin-top: 20px !important;}\"][vc_custom_heading text=\"Having shareholders (in the way that banks do) to answer to means we can bring our members some unique benefits. We can also help their friends, families, and the communities they (and we) are part of.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580076385315{margin-top: 20px !important;}\" link=\"url:https%3A%2F%2Fwww.nationwide.co.uk%2Fabout%2Fwhy-choose-nationwide%2Fall-about-membership%23tab%3AMembership||target:%20_blank|\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_row_inner equal_height=\"yes\" gap=\"10\" css=\".vc_custom_1580076078698{margin-top: 0px !important;}\"][vc_column_inner width=\"1/3\"][vc_btn title=\"For you\" style=\"flat\" shape=\"square\" color=\"pink\" size=\"lg\" align=\"center\" i_icon_fontawesome=\"fa fa-heart\" button_block=\"true\" add_icon=\"true\"][vc_custom_heading text=\"<span class=``left``><i class=``fa fa-heart fa-2x`` style=``color:#ffffff; vertical-align:middle`` aria-hidden=``true``></i></span><span style=``margin-left:20px;`` class=``right``>For you</span></a>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" el_id=\"fa fa-heart\" css=\".vc_custom_1580084547707{padding-top: 40px !important;padding-bottom: 50px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-heart fa-2x`` aria-hidden=``true``></i><br />\n<span>For you</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580169556766{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong>Access to our just-for-members range</strong><br />\nIncluding savings accounts, credit cards, loans, home insurance, investments and financial protection.</p>\n<p><strong>Your voice heard</strong><br />\nHave your say and help shape the SVBLA through our online community Connect, or at our Annual General Meeting (AGM). The people you vote for help shape SVBLA’s direction and priorities. You can also connect with us on social media.</p>\n</div>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080257336{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_btn title=\"For your family and friends\" style=\"flat\" shape=\"square\" color=\"pink\" size=\"lg\" align=\"center\" i_icon_fontawesome=\"fa fa-users\" button_block=\"true\" add_icon=\"true\"][vc_custom_heading text=\"<span class=``left``><i class=``fa fa-users fa-2x`` style=``color:#ffffff; vertical-align:middle`` aria-hidden=``true``></i></span><span style=``margin-left:20px;`` class=``right``>For your<br />\nfamily and friends</span></a>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580078598584{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-users fa-2x`` aria-hidden=``true``></i><br />\n<span>For your<br />\nfamily and friends<br />\n</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580168800644{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_raw_html]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[/vc_raw_html][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong><a href=``#``>Your support recognised</a></strong><br />\nRecommend one of our current accounts* to a family member or friend and, if they switch their current account to us within 90 days, you’ll each receive $100.You can recommend up to three people a year.</p>\n<p><strong><a href=``#``>Helping you help your family</a></strong><br />\nWith our Family Deposit Mortgages, you can borrow against your own home and gift the money to a family member to help them buy a place of their own.</div>\n<h4>Our mortgages are available to Vincentian residents aged 18 and over. all mortgages are subject to underwriting and criteria.<br />\nYour mortgage is secured on your home, which you could lose if you do not keep up with your mortgage repayments.</h4>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080417124{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_btn title=\"For your community and society\" style=\"flat\" shape=\"square\" color=\"pink\" size=\"lg\" align=\"left\" i_icon_fontawesome=\"fa fa-globe\" button_block=\"true\" add_icon=\"true\"][vc_custom_heading text=\"<span class=``left``><i class=``fa fa-globe fa-2x`` style=``color:#ffffff; vertical-align:middle`` aria-hidden=``true``></i></span><span style=``margin-left:20px;`` class=``right``>For your community and society</span></a>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580083005744{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-globe fa-2x`` aria-hidden=``true``></i><br />\n<span>For your<br />\ncommunity and society</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580172040273{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong>You help make a difference</strong><br />\nIn 2007, our members decided we should give at least 1% of pre-tax profits to local causes. Today, we\'re still doing just that – with a focus on tackling the housing crisis so everyone has a place to call home. Our Community grants programme means housing organisations and charities can apply for grants of up to $50,000 to help make a change.</p>\n<p><strong>We\'re on the high street</strong><br />\nWe\'re committed to giving our members the best possible experience. We know that, no matter how good technology gets, there\'ll be times when you\'d rather deal with us in person.</p>\n<p><strong>You can help us support our charity partners</strong><br />\nJoin in with your branch’s initiatives supporting local charities and SVBLA’s charity partners – Macmillan Cancer Support and Shelter. Just pop in to find out more.</div>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080583421{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1579197900706{border-left-width: 2px !important;border-left-color: #e8e8e8 !important;border-left-style: solid !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"3747\" img_size=\"250x250\" alignment=\"center\" css_animation=\"none\"][vc_empty_space height=\"20px\"][vc_empty_space height=\"15px\"][/vc_column][/vc_row][vc_row 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00:46:25','2020-01-28 00:46:25','',2889,'http://dev.svbla.com/2020/01/28/2889-revision-v1/',0,'revision','',0),(3829,2,'2020-01-28 00:51:58','2020-01-28 00:51:58','<p>[vc_row equal_height=\"yes\" content_placement=\"top\"][vc_column width=\"3/4\"][vc_empty_space height=\"40px\"][vc_custom_heading text=\"<span class=``pe-7s-users``></span>WHAT MAKES ME A MEMBER\" font_container=\"tag:h2|font_size:34|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"-1px\" css=\".vc_custom_1580073091125{background-color: #3768b4 !important;}\"][vc_custom_heading text=\"<strong>You’re a member when you have a shares account, savings account or a loan with us.</strong><br />\nThere are two (2) classes of membership: Full Membership and Associate Membership.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580073661320{margin-top: 20px !important;}\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_custom_heading text=\"Full Membership\" font_container=\"tag:h3|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1578448971845{margin-top: 20px !important;}\"][vc_custom_heading text=\"A person shall be deemed to be a full member upon the purchasing of a minimum of 100 shares at a value as may be determined by the Association from time to time.<br />\nFull membership allows full access to the products and services offered by the Association, subject to the satisfaction of the specific requirements established for those products and services.<br />\nFull members shall have the right to nominate candidates for the Board of Directors (BOD), be nominated as a candidate for the Board and vote at Annual General Meetings and Special Meetings in keeping with the provisions of the Rules of the Association.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\"][vc_custom_heading text=\"Associate Membership\" font_container=\"tag:h3|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1578448988423{margin-top: 20px !important;}\"][vc_custom_heading text=\"Persons with 25 shares qualify for Associate Membership, with limited access to products and services.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\"][vc_empty_space height=\"40px\"][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1579197900706{border-left-width: 2px !important;border-left-color: #e8e8e8 !important;border-left-style: solid !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"5\" img_size=\"250x250\" alignment=\"center\" css_animation=\"none\"][vc_empty_space height=\"20px\"][vc_raw_html]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[/vc_raw_html][vc_empty_space height=\"15px\"][vc_column_text][su_button url=\"http://dev.svbla.com/contact-us/#makeappt\" target=\"self\" style=\"3d\" background=\"#e13454\" color=\"#FFFFFF\" size=\"8\" wide=\"yes\" center=\"yes\" radius=\"5\" icon=\"\" icon_color=\"#FFFFFF\" text_shadow=\"none\" desc=\"\" download=\"\" onclick=\"\" rel=\"\" title=\"\" id=\"\" class=\"\"]BECOME A MEMBER&nbsp;<i class=\"vc_btn3-icon fa fa-caret-right\" aria-hidden=\"true\"></i>[/su_button][/vc_column_text][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"top\"][vc_column width=\"3/4\"][vc_empty_space][vc_custom_heading text=\"<span class=``pe-7s-like2``></span>BENEFITS OF MEMBERSHIP\" font_container=\"tag:h2|font_size:34|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"-1px\" css=\".vc_custom_1580078819523{background-color: #3768b4 !important;}\" el_id=\"svbla-member-benefits\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_custom_heading text=\"Putting our members first\" font_container=\"tag:h3|font_size:22|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580072610008{margin-top: 20px !important;}\"][vc_custom_heading text=\"We’ve had the same purpose now for over 78 years: to help ordinary people buy their own homes and save for their futures. Put simply, those who save with us help those who mortgage through us.<br />\nThat’s what being a mutual building society means. And as we’re owned by you, our members, we listen to what you want. It’s this that shapes our future – and helps us build society, nationwide.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580073676386{margin-top: 20px !important;}\" link=\"url:https%3A%2F%2Fwww.nationwide.co.uk%2Fabout%2Fwhy-choose-nationwide%2Fall-about-membership%23tab%3AMembership||target:%20_blank|\"][vc_custom_heading text=\"The benefits of membership\" font_container=\"tag:h3|font_size:20|text_align:justify|color:%23154fa9\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580072904139{margin-top: 20px !important;}\"][vc_custom_heading text=\"Having shareholders (in the way that banks do) to answer to means we can bring our members some unique benefits. We can also help their friends, families, and the communities they (and we) are part of.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580076385315{margin-top: 20px !important;}\" link=\"url:https%3A%2F%2Fwww.nationwide.co.uk%2Fabout%2Fwhy-choose-nationwide%2Fall-about-membership%23tab%3AMembership||target:%20_blank|\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_row_inner equal_height=\"yes\" gap=\"10\" css=\".vc_custom_1580076078698{margin-top: 0px !important;}\"][vc_column_inner width=\"1/3\"][vc_btn title=\"For you\" style=\"flat\" shape=\"square\" color=\"pink\" size=\"lg\" align=\"center\" i_icon_fontawesome=\"fa fa-heart\" button_block=\"true\" add_icon=\"true\"][vc_custom_heading text=\"<span class=``left``><i class=``fa fa-heart fa-2x`` style=``color:#ffffff; vertical-align:middle`` aria-hidden=``true``></i></span><span style=``margin-left:20px;`` class=``right``>For you</span></a>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" el_id=\"fa fa-heart\" css=\".vc_custom_1580084547707{padding-top: 40px !important;padding-bottom: 50px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-heart fa-2x`` aria-hidden=``true``></i><br />\n<span>For you</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580169556766{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong>Access to our just-for-members range</strong><br />\nIncluding savings accounts, credit cards, loans, home insurance, investments and financial protection.</p>\n<p><strong>Your voice heard</strong><br />\nHave your say and help shape the SVBLA through our online community Connect, or at our Annual General Meeting (AGM). The people you vote for help shape SVBLA’s direction and priorities. You can also connect with us on social media.</p>\n</div>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080257336{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_btn title=\"For your family and friends\" style=\"flat\" shape=\"square\" color=\"pink\" size=\"lg\" align=\"center\" i_icon_fontawesome=\"fa fa-users\" button_block=\"true\" add_icon=\"true\"][vc_custom_heading text=\"<span class=``left``><i class=``fa fa-users fa-2x`` style=``color:#ffffff; vertical-align:middle`` aria-hidden=``true``></i></span><span style=``margin-left:20px;`` class=``right``>For your<br />\nfamily and friends</span></a>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580078598584{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-users fa-2x`` aria-hidden=``true``></i><br />\n<span>For your<br />\nfamily and friends<br />\n</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580168800644{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_raw_html]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[/vc_raw_html][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong><a href=``#``>Your support recognised</a></strong><br />\nRecommend one of our current accounts* to a family member or friend and, if they switch their current account to us within 90 days, you’ll each receive $100.You can recommend up to three people a year.</p>\n<p><strong><a href=``#``>Helping you help your family</a></strong><br />\nWith our Family Deposit Mortgages, you can borrow against your own home and gift the money to a family member to help them buy a place of their own.</div>\n<h4>Our mortgages are available to Vincentian residents aged 18 and over. all mortgages are subject to underwriting and criteria.<br />\nYour mortgage is secured on your home, which you could lose if you do not keep up with your mortgage repayments.</h4>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080417124{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_btn title=\"For your community and society\" style=\"flat\" shape=\"square\" color=\"pink\" size=\"lg\" align=\"left\" i_icon_fontawesome=\"fa fa-globe\" button_block=\"true\" add_icon=\"true\"][vc_custom_heading text=\"<span class=``left``><i class=``fa fa-globe fa-2x`` style=``color:#ffffff; vertical-align:middle`` aria-hidden=``true``></i></span><span style=``margin-left:20px;`` class=``right``>For your community and society</span></a>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580083005744{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-globe fa-2x`` aria-hidden=``true``></i><br />\n<span>For your<br />\ncommunity and society</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580172040273{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong>You help make a difference</strong><br />\nIn 2007, our members decided we should give at least 1% of pre-tax profits to local causes. Today, we\'re still doing just that – with a focus on tackling the housing crisis so everyone has a place to call home. Our Community grants programme means housing organisations and charities can apply for grants of up to $50,000 to help make a change.</p>\n<p><strong>We\'re on the high street</strong><br />\nWe\'re committed to giving our members the best possible experience. We know that, no matter how good technology gets, there\'ll be times when you\'d rather deal with us in person.</p>\n<p><strong>You can help us support our charity partners</strong><br />\nJoin in with your branch’s initiatives supporting local charities and SVBLA’s charity partners – Macmillan Cancer Support and Shelter. Just pop in to find out more.</div>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080583421{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1579197900706{border-left-width: 2px !important;border-left-color: #e8e8e8 !important;border-left-style: solid !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"3747\" img_size=\"250x250\" alignment=\"center\" css_animation=\"none\"][vc_empty_space height=\"20px\"][vc_empty_space height=\"15px\"][/vc_column][/vc_row][vc_row 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00:51:58','2020-01-28 00:51:58','',2889,'http://dev.svbla.com/2020/01/28/2889-revision-v1/',0,'revision','',0),(3832,2,'2020-01-28 01:38:50','2020-01-28 01:38:50','<p>[vc_row equal_height=\"yes\" content_placement=\"top\"][vc_column width=\"3/4\"][vc_empty_space height=\"40px\"][vc_custom_heading text=\"<span class=``pe-7s-users``></span>WHAT MAKES ME A MEMBER\" font_container=\"tag:h2|font_size:34|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"-1px\" css=\".vc_custom_1580073091125{background-color: #3768b4 !important;}\"][vc_custom_heading text=\"<strong>You’re a member when you have a shares account, savings account or a loan with us.</strong><br />\nThere are two (2) classes of membership: Full Membership and Associate Membership.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580073661320{margin-top: 20px !important;}\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_custom_heading text=\"Full Membership\" font_container=\"tag:h3|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1578448971845{margin-top: 20px !important;}\"][vc_custom_heading text=\"A person shall be deemed to be a full member upon the purchasing of a minimum of 100 shares at a value as may be determined by the Association from time to time.<br />\nFull membership allows full access to the products and services offered by the Association, subject to the satisfaction of the specific requirements established for those products and services.<br />\nFull members shall have the right to nominate candidates for the Board of Directors (BOD), be nominated as a candidate for the Board and vote at Annual General Meetings and Special Meetings in keeping with the provisions of the Rules of the Association.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\"][vc_custom_heading text=\"Associate Membership\" font_container=\"tag:h3|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1578448988423{margin-top: 20px !important;}\"][vc_custom_heading text=\"Persons with 25 shares qualify for Associate Membership, with limited access to products and services.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\"][vc_empty_space height=\"40px\"][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1579197900706{border-left-width: 2px !important;border-left-color: #e8e8e8 !important;border-left-style: solid !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"5\" img_size=\"250x250\" alignment=\"center\" css_animation=\"none\"][vc_empty_space height=\"20px\"][vc_raw_html]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[/vc_raw_html][vc_empty_space height=\"15px\"][vc_column_text][su_button url=\"http://dev.svbla.com/contact-us/#makeappt\" target=\"self\" style=\"3d\" background=\"#e13454\" color=\"#FFFFFF\" size=\"8\" wide=\"yes\" center=\"yes\" radius=\"5\" icon=\"\" icon_color=\"#FFFFFF\" text_shadow=\"none\" desc=\"\" download=\"\" onclick=\"\" rel=\"\" title=\"\" id=\"\" class=\"\"]BECOME A MEMBER&nbsp;<i class=\"vc_btn3-icon fa fa-caret-right\" aria-hidden=\"true\"></i>[/su_button][/vc_column_text][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"top\"][vc_column width=\"3/4\"][vc_empty_space][vc_custom_heading text=\"<span class=``pe-7s-like2``></span>BENEFITS OF MEMBERSHIP\" font_container=\"tag:h2|font_size:34|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"-1px\" css=\".vc_custom_1580078819523{background-color: #3768b4 !important;}\" el_id=\"svbla-member-benefits\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_custom_heading text=\"Putting our members first\" font_container=\"tag:h3|font_size:22|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580072610008{margin-top: 20px !important;}\"][vc_custom_heading text=\"We’ve had the same purpose now for over 78 years: to help ordinary people buy their own homes and save for their futures. Put simply, those who save with us help those who mortgage through us.<br />\nThat’s what being a mutual building society means. And as we’re owned by you, our members, we listen to what you want. It’s this that shapes our future – and helps us build society, nationwide.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580073676386{margin-top: 20px !important;}\" link=\"url:https%3A%2F%2Fwww.nationwide.co.uk%2Fabout%2Fwhy-choose-nationwide%2Fall-about-membership%23tab%3AMembership||target:%20_blank|\"][vc_custom_heading text=\"The benefits of membership\" font_container=\"tag:h3|font_size:20|text_align:justify|color:%23154fa9\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580072904139{margin-top: 20px !important;}\"][vc_custom_heading text=\"Having shareholders (in the way that banks do) to answer to means we can bring our members some unique benefits. We can also help their friends, families, and the communities they (and we) are part of.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580076385315{margin-top: 20px !important;}\" link=\"url:https%3A%2F%2Fwww.nationwide.co.uk%2Fabout%2Fwhy-choose-nationwide%2Fall-about-membership%23tab%3AMembership||target:%20_blank|\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_row_inner equal_height=\"yes\" gap=\"10\" css=\".vc_custom_1580076078698{margin-top: 0px !important;}\"][vc_column_inner width=\"1/3\"][vc_btn title=\"For you\" style=\"flat\" shape=\"square\" color=\"pink\" size=\"lg\" align=\"center\" i_icon_fontawesome=\"fa fa-heart\" button_block=\"true\" add_icon=\"true\"][vc_custom_heading text=\"<span class=``left``><i class=``fa fa-heart fa-2x`` style=``color:#ffffff; vertical-align:middle`` aria-hidden=``true``></i></span><span style=``margin-left:20px;`` class=``right``>For you</span></a>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" el_id=\"fa fa-heart\" css=\".vc_custom_1580084547707{padding-top: 40px !important;padding-bottom: 50px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-heart fa-2x`` aria-hidden=``true``></i><br />\n<span>For you</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580169556766{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong>Access to our just-for-members range</strong><br />\nIncluding savings accounts, credit cards, loans, home insurance, investments and financial protection.</p>\n<p><strong>Your voice heard</strong><br />\nHave your say and help shape the SVBLA through our online community Connect, or at our Annual General Meeting (AGM). The people you vote for help shape SVBLA’s direction and priorities. You can also connect with us on social media.</p>\n</div>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080257336{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_btn title=\"For your family and friends\" style=\"flat\" shape=\"square\" color=\"pink\" size=\"lg\" align=\"center\" i_icon_fontawesome=\"fa fa-users\" button_block=\"true\" add_icon=\"true\"][vc_custom_heading text=\"<span class=``left``><i class=``fa fa-users fa-2x`` style=``color:#ffffff; vertical-align:middle`` aria-hidden=``true``></i></span><span style=``margin-left:20px;`` class=``right``>For your<br />\nfamily and friends</span></a>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580078598584{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"<span class=``left``><i class=``fa fa-users fa-2x`` style=``vertical-align: middle;float: left;display: block;margin-right: 20px;`` aria-hidden=``true``></i></span><span style=```` class=````>For your family and friends</span></h2>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580175524699{padding-top: 40px !important;padding-right: 10px !important;padding-bottom: 40px !important;padding-left: 20px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-users fa-2x`` aria-hidden=``true``></i><br />\n<span>For your<br />\nfamily and friends<br />\n</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580168800644{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong><a href=``#``>Your support recognised</a></strong><br />\nRecommend one of our current accounts* to a family member or friend and, if they switch their current account to us within 90 days, you’ll each receive $100.You can recommend up to three people a year.</p>\n<p><strong><a href=``#``>Helping you help your family</a></strong><br />\nWith our Family Deposit Mortgages, you can borrow against your own home and gift the money to a family member to help them buy a place of their own.</div>\n<h4>Our mortgages are available to Vincentian residents aged 18 and over. all mortgages are subject to underwriting and criteria.<br />\nYour mortgage is secured on your home, which you could lose if you do not keep up with your mortgage repayments.</h4>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080417124{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_btn title=\"For your community and society\" style=\"flat\" shape=\"square\" color=\"pink\" size=\"lg\" align=\"left\" i_icon_fontawesome=\"fa fa-globe\" button_block=\"true\" add_icon=\"true\"][vc_custom_heading text=\"<span class=``left``><i class=``fa fa-globe fa-2x`` style=``color:#ffffff; vertical-align:middle`` aria-hidden=``true``></i></span><span style=``margin-left:20px;`` class=``right``>For your community and society</span></a>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580083005744{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-globe fa-2x`` aria-hidden=``true``></i><br />\n<span>For your<br />\ncommunity and society</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580172040273{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong>You help make a difference</strong><br />\nIn 2007, our members decided we should give at least 1% of pre-tax profits to local causes. Today, we\'re still doing just that – with a focus on tackling the housing crisis so everyone has a place to call home. Our Community grants programme means housing organisations and charities can apply for grants of up to $50,000 to help make a change.</p>\n<p><strong>We\'re on the high street</strong><br />\nWe\'re committed to giving our members the best possible experience. We know that, no matter how good technology gets, there\'ll be times when you\'d rather deal with us in person.</p>\n<p><strong>You can help us support our charity partners</strong><br />\nJoin in with your branch’s initiatives supporting local charities and SVBLA’s charity partners – Macmillan Cancer Support and Shelter. Just pop in to find out more.</div>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080583421{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1579197900706{border-left-width: 2px !important;border-left-color: #e8e8e8 !important;border-left-style: solid !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"3747\" img_size=\"250x250\" alignment=\"center\" css_animation=\"none\"][vc_empty_space height=\"20px\"][vc_empty_space height=\"15px\"][/vc_column][/vc_row][vc_row 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01:38:50','2020-01-28 01:38:50','',2889,'http://dev.svbla.com/2020/01/28/2889-revision-v1/',0,'revision','',0),(3830,2,'2020-01-28 00:59:39','2020-01-28 00:59:39','<p>[vc_row equal_height=\"yes\" content_placement=\"top\"][vc_column width=\"3/4\"][vc_empty_space height=\"40px\"][vc_custom_heading text=\"<span class=``pe-7s-users``></span>WHAT MAKES ME A MEMBER\" font_container=\"tag:h2|font_size:34|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"-1px\" css=\".vc_custom_1580073091125{background-color: #3768b4 !important;}\"][vc_custom_heading text=\"<strong>You’re a member when you have a shares account, savings account or a loan with us.</strong><br />\nThere are two (2) classes of membership: Full Membership and Associate Membership.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580073661320{margin-top: 20px !important;}\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_custom_heading text=\"Full Membership\" font_container=\"tag:h3|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1578448971845{margin-top: 20px !important;}\"][vc_custom_heading text=\"A person shall be deemed to be a full member upon the purchasing of a minimum of 100 shares at a value as may be determined by the Association from time to time.<br />\nFull membership allows full access to the products and services offered by the Association, subject to the satisfaction of the specific requirements established for those products and services.<br />\nFull members shall have the right to nominate candidates for the Board of Directors (BOD), be nominated as a candidate for the Board and vote at Annual General Meetings and Special Meetings in keeping with the provisions of the Rules of the Association.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\"][vc_custom_heading text=\"Associate Membership\" font_container=\"tag:h3|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1578448988423{margin-top: 20px !important;}\"][vc_custom_heading text=\"Persons with 25 shares qualify for Associate Membership, with limited access to products and services.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\"][vc_empty_space height=\"40px\"][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1579197900706{border-left-width: 2px !important;border-left-color: #e8e8e8 !important;border-left-style: solid !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"5\" img_size=\"250x250\" alignment=\"center\" css_animation=\"none\"][vc_empty_space height=\"20px\"][vc_raw_html]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[/vc_raw_html][vc_empty_space height=\"15px\"][vc_column_text][su_button url=\"http://dev.svbla.com/contact-us/#makeappt\" target=\"self\" style=\"3d\" background=\"#e13454\" color=\"#FFFFFF\" size=\"8\" wide=\"yes\" center=\"yes\" radius=\"5\" icon=\"\" icon_color=\"#FFFFFF\" text_shadow=\"none\" desc=\"\" download=\"\" onclick=\"\" rel=\"\" title=\"\" id=\"\" class=\"\"]BECOME A MEMBER&nbsp;<i class=\"vc_btn3-icon fa fa-caret-right\" aria-hidden=\"true\"></i>[/su_button][/vc_column_text][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"top\"][vc_column width=\"3/4\"][vc_empty_space][vc_custom_heading text=\"<span class=``pe-7s-like2``></span>BENEFITS OF MEMBERSHIP\" font_container=\"tag:h2|font_size:34|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"-1px\" css=\".vc_custom_1580078819523{background-color: #3768b4 !important;}\" el_id=\"svbla-member-benefits\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_custom_heading text=\"Putting our members first\" font_container=\"tag:h3|font_size:22|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580072610008{margin-top: 20px !important;}\"][vc_custom_heading text=\"We’ve had the same purpose now for over 78 years: to help ordinary people buy their own homes and save for their futures. Put simply, those who save with us help those who mortgage through us.<br />\nThat’s what being a mutual building society means. And as we’re owned by you, our members, we listen to what you want. It’s this that shapes our future – and helps us build society, nationwide.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580073676386{margin-top: 20px !important;}\" link=\"url:https%3A%2F%2Fwww.nationwide.co.uk%2Fabout%2Fwhy-choose-nationwide%2Fall-about-membership%23tab%3AMembership||target:%20_blank|\"][vc_custom_heading text=\"The benefits of membership\" font_container=\"tag:h3|font_size:20|text_align:justify|color:%23154fa9\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580072904139{margin-top: 20px !important;}\"][vc_custom_heading text=\"Having shareholders (in the way that banks do) to answer to means we can bring our members some unique benefits. We can also help their friends, families, and the communities they (and we) are part of.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580076385315{margin-top: 20px !important;}\" link=\"url:https%3A%2F%2Fwww.nationwide.co.uk%2Fabout%2Fwhy-choose-nationwide%2Fall-about-membership%23tab%3AMembership||target:%20_blank|\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_row_inner equal_height=\"yes\" gap=\"10\" css=\".vc_custom_1580076078698{margin-top: 0px !important;}\"][vc_column_inner width=\"1/3\"][vc_btn title=\"For you\" style=\"flat\" shape=\"square\" color=\"pink\" size=\"lg\" align=\"center\" i_icon_fontawesome=\"fa fa-heart\" button_block=\"true\" add_icon=\"true\"][vc_custom_heading text=\"<span class=``left``><i class=``fa fa-heart fa-2x`` style=``color:#ffffff; vertical-align:middle`` aria-hidden=``true``></i></span><span style=``margin-left:20px;`` class=``right``>For you</span></a>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" el_id=\"fa fa-heart\" css=\".vc_custom_1580084547707{padding-top: 40px !important;padding-bottom: 50px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-heart fa-2x`` aria-hidden=``true``></i><br />\n<span>For you</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580169556766{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong>Access to our just-for-members range</strong><br />\nIncluding savings accounts, credit cards, loans, home insurance, investments and financial protection.</p>\n<p><strong>Your voice heard</strong><br />\nHave your say and help shape the SVBLA through our online community Connect, or at our Annual General Meeting (AGM). The people you vote for help shape SVBLA’s direction and priorities. You can also connect with us on social media.</p>\n</div>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080257336{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_btn title=\"For your family and friends\" style=\"flat\" shape=\"square\" color=\"pink\" size=\"lg\" align=\"center\" i_icon_fontawesome=\"fa fa-users\" button_block=\"true\" add_icon=\"true\"][vc_custom_heading text=\"<span class=``left``><i class=``fa fa-users fa-2x`` style=``color:#ffffff; vertical-align:middle`` aria-hidden=``true``></i></span><span style=``margin-left:20px;`` class=``right``>For your<br />\nfamily and friends</span></a>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580078598584{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-users fa-2x`` aria-hidden=``true``></i><br />\n<span>For your<br />\nfamily and friends<br />\n</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580168800644{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_raw_html]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[/vc_raw_html][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong><a href=``#``>Your support recognised</a></strong><br />\nRecommend one of our current accounts* to a family member or friend and, if they switch their current account to us within 90 days, you’ll each receive $100.You can recommend up to three people a year.</p>\n<p><strong><a href=``#``>Helping you help your family</a></strong><br />\nWith our Family Deposit Mortgages, you can borrow against your own home and gift the money to a family member to help them buy a place of their own.</div>\n<h4>Our mortgages are available to Vincentian residents aged 18 and over. all mortgages are subject to underwriting and criteria.<br />\nYour mortgage is secured on your home, which you could lose if you do not keep up with your mortgage repayments.</h4>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080417124{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_btn title=\"For your community and society\" style=\"flat\" shape=\"square\" color=\"pink\" size=\"lg\" align=\"left\" i_icon_fontawesome=\"fa fa-globe\" button_block=\"true\" add_icon=\"true\"][vc_custom_heading text=\"<span class=``left``><i class=``fa fa-globe fa-2x`` style=``color:#ffffff; vertical-align:middle`` aria-hidden=``true``></i></span><span style=``margin-left:20px;`` class=``right``>For your community and society</span></a>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580083005744{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-globe fa-2x`` aria-hidden=``true``></i><br />\n<span>For your<br />\ncommunity and society</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580172040273{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong>You help make a difference</strong><br />\nIn 2007, our members decided we should give at least 1% of pre-tax profits to local causes. Today, we\'re still doing just that – with a focus on tackling the housing crisis so everyone has a place to call home. Our Community grants programme means housing organisations and charities can apply for grants of up to $50,000 to help make a change.</p>\n<p><strong>We\'re on the high street</strong><br />\nWe\'re committed to giving our members the best possible experience. We know that, no matter how good technology gets, there\'ll be times when you\'d rather deal with us in person.</p>\n<p><strong>You can help us support our charity partners</strong><br />\nJoin in with your branch’s initiatives supporting local charities and SVBLA’s charity partners – Macmillan Cancer Support and Shelter. Just pop in to find out more.</div>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080583421{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1579197900706{border-left-width: 2px !important;border-left-color: #e8e8e8 !important;border-left-style: solid !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"3747\" img_size=\"250x250\" alignment=\"center\" css_animation=\"none\"][vc_empty_space height=\"20px\"][vc_empty_space height=\"15px\"][/vc_column][/vc_row][vc_row 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00:59:39','2020-01-28 00:59:39','',2889,'http://dev.svbla.com/2020/01/28/2889-revision-v1/',0,'revision','',0),(3831,2,'2020-01-28 01:05:46','2020-01-28 01:05:46','<p>[vc_row equal_height=\"yes\" content_placement=\"top\"][vc_column width=\"3/4\"][vc_empty_space height=\"40px\"][vc_custom_heading text=\"<span class=``pe-7s-users``></span>WHAT MAKES ME A MEMBER\" font_container=\"tag:h2|font_size:34|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"-1px\" css=\".vc_custom_1580073091125{background-color: #3768b4 !important;}\"][vc_custom_heading text=\"<strong>You’re a member when you have a shares account, savings account or a loan with us.</strong><br />\nThere are two (2) classes of membership: Full Membership and Associate Membership.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580073661320{margin-top: 20px !important;}\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_custom_heading text=\"Full Membership\" font_container=\"tag:h3|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1578448971845{margin-top: 20px !important;}\"][vc_custom_heading text=\"A person shall be deemed to be a full member upon the purchasing of a minimum of 100 shares at a value as may be determined by the Association from time to time.<br />\nFull membership allows full access to the products and services offered by the Association, subject to the satisfaction of the specific requirements established for those products and services.<br />\nFull members shall have the right to nominate candidates for the Board of Directors (BOD), be nominated as a candidate for the Board and vote at Annual General Meetings and Special Meetings in keeping with the provisions of the Rules of the Association.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\"][vc_custom_heading text=\"Associate Membership\" font_container=\"tag:h3|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1578448988423{margin-top: 20px !important;}\"][vc_custom_heading text=\"Persons with 25 shares qualify for Associate Membership, with limited access to products and services.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\"][vc_empty_space height=\"40px\"][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1579197900706{border-left-width: 2px !important;border-left-color: #e8e8e8 !important;border-left-style: solid !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"5\" img_size=\"250x250\" alignment=\"center\" css_animation=\"none\"][vc_empty_space height=\"20px\"][vc_raw_html]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[/vc_raw_html][vc_empty_space height=\"15px\"][vc_column_text][su_button url=\"http://dev.svbla.com/contact-us/#makeappt\" target=\"self\" style=\"3d\" background=\"#e13454\" color=\"#FFFFFF\" size=\"8\" wide=\"yes\" center=\"yes\" radius=\"5\" icon=\"\" icon_color=\"#FFFFFF\" text_shadow=\"none\" desc=\"\" download=\"\" onclick=\"\" rel=\"\" title=\"\" id=\"\" class=\"\"]BECOME A MEMBER&nbsp;<i class=\"vc_btn3-icon fa fa-caret-right\" aria-hidden=\"true\"></i>[/su_button][/vc_column_text][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"top\"][vc_column width=\"3/4\"][vc_empty_space][vc_custom_heading text=\"<span class=``pe-7s-like2``></span>BENEFITS OF MEMBERSHIP\" font_container=\"tag:h2|font_size:34|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"-1px\" css=\".vc_custom_1580078819523{background-color: #3768b4 !important;}\" el_id=\"svbla-member-benefits\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_custom_heading text=\"Putting our members first\" font_container=\"tag:h3|font_size:22|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580072610008{margin-top: 20px !important;}\"][vc_custom_heading text=\"We’ve had the same purpose now for over 78 years: to help ordinary people buy their own homes and save for their futures. Put simply, those who save with us help those who mortgage through us.<br />\nThat’s what being a mutual building society means. And as we’re owned by you, our members, we listen to what you want. It’s this that shapes our future – and helps us build society, nationwide.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580073676386{margin-top: 20px !important;}\" link=\"url:https%3A%2F%2Fwww.nationwide.co.uk%2Fabout%2Fwhy-choose-nationwide%2Fall-about-membership%23tab%3AMembership||target:%20_blank|\"][vc_custom_heading text=\"The benefits of membership\" font_container=\"tag:h3|font_size:20|text_align:justify|color:%23154fa9\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580072904139{margin-top: 20px !important;}\"][vc_custom_heading text=\"Having shareholders (in the way that banks do) to answer to means we can bring our members some unique benefits. We can also help their friends, families, and the communities they (and we) are part of.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580076385315{margin-top: 20px !important;}\" link=\"url:https%3A%2F%2Fwww.nationwide.co.uk%2Fabout%2Fwhy-choose-nationwide%2Fall-about-membership%23tab%3AMembership||target:%20_blank|\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_row_inner equal_height=\"yes\" gap=\"10\" css=\".vc_custom_1580076078698{margin-top: 0px !important;}\"][vc_column_inner width=\"1/3\"][vc_btn title=\"For you\" style=\"flat\" shape=\"square\" color=\"pink\" size=\"lg\" align=\"center\" i_icon_fontawesome=\"fa fa-heart\" button_block=\"true\" add_icon=\"true\"][vc_custom_heading text=\"<span class=``left``><i class=``fa fa-heart fa-2x`` style=``color:#ffffff; vertical-align:middle`` aria-hidden=``true``></i></span><span style=``margin-left:20px;`` class=``right``>For you</span></a>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" el_id=\"fa fa-heart\" css=\".vc_custom_1580084547707{padding-top: 40px !important;padding-bottom: 50px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-heart fa-2x`` aria-hidden=``true``></i><br />\n<span>For you</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580169556766{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong>Access to our just-for-members range</strong><br />\nIncluding savings accounts, credit cards, loans, home insurance, investments and financial protection.</p>\n<p><strong>Your voice heard</strong><br />\nHave your say and help shape the SVBLA through our online community Connect, or at our Annual General Meeting (AGM). The people you vote for help shape SVBLA’s direction and priorities. You can also connect with us on social media.</p>\n</div>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080257336{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_btn title=\"For your family and friends\" style=\"flat\" shape=\"square\" color=\"pink\" size=\"lg\" align=\"center\" i_icon_fontawesome=\"fa fa-users\" button_block=\"true\" add_icon=\"true\"][vc_custom_heading text=\"<span class=``left``><i class=``fa fa-users fa-2x`` style=``color:#ffffff; vertical-align:middle`` aria-hidden=``true``></i></span><span style=``margin-left:20px;`` class=``right``>For your<br />\nfamily and friends</span></a>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580078598584{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-users fa-2x`` aria-hidden=``true``></i><br />\n<span>For your<br />\nfamily and friends<br />\n</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580168800644{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_raw_html]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[/vc_raw_html][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong><a href=``#``>Your support recognised</a></strong><br />\nRecommend one of our current accounts* to a family member or friend and, if they switch their current account to us within 90 days, you’ll each receive $100.You can recommend up to three people a year.</p>\n<p><strong><a href=``#``>Helping you help your family</a></strong><br />\nWith our Family Deposit Mortgages, you can borrow against your own home and gift the money to a family member to help them buy a place of their own.</div>\n<h4>Our mortgages are available to Vincentian residents aged 18 and over. all mortgages are subject to underwriting and criteria.<br />\nYour mortgage is secured on your home, which you could lose if you do not keep up with your mortgage repayments.</h4>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080417124{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_btn title=\"For your community and society\" style=\"flat\" shape=\"square\" color=\"pink\" size=\"lg\" align=\"left\" i_icon_fontawesome=\"fa fa-globe\" button_block=\"true\" add_icon=\"true\"][vc_custom_heading text=\"<span class=``left``><i class=``fa fa-globe fa-2x`` style=``color:#ffffff; vertical-align:middle`` aria-hidden=``true``></i></span><span style=``margin-left:20px;`` class=``right``>For your community and society</span></a>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580083005744{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-globe fa-2x`` aria-hidden=``true``></i><br />\n<span>For your<br />\ncommunity and society</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580172040273{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong>You help make a difference</strong><br />\nIn 2007, our members decided we should give at least 1% of pre-tax profits to local causes. Today, we\'re still doing just that – with a focus on tackling the housing crisis so everyone has a place to call home. Our Community grants programme means housing organisations and charities can apply for grants of up to $50,000 to help make a change.</p>\n<p><strong>We\'re on the high street</strong><br />\nWe\'re committed to giving our members the best possible experience. We know that, no matter how good technology gets, there\'ll be times when you\'d rather deal with us in person.</p>\n<p><strong>You can help us support our charity partners</strong><br />\nJoin in with your branch’s initiatives supporting local charities and SVBLA’s charity partners – Macmillan Cancer Support and Shelter. Just pop in to find out more.</div>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080583421{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1579197900706{border-left-width: 2px !important;border-left-color: #e8e8e8 !important;border-left-style: solid !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"3747\" img_size=\"250x250\" alignment=\"center\" css_animation=\"none\"][vc_empty_space height=\"20px\"][vc_empty_space height=\"15px\"][/vc_column][/vc_row][vc_row 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01:05:46','2020-01-28 01:05:46','',2889,'http://dev.svbla.com/2020/01/28/2889-revision-v1/',0,'revision','',0),(3835,2,'2020-01-28 01:59:33','2020-01-28 01:59:33','<p>[vc_row equal_height=\"yes\" content_placement=\"top\"][vc_column width=\"3/4\"][vc_empty_space height=\"40px\"][vc_custom_heading text=\"<span class=``pe-7s-users``></span>WHAT MAKES ME A MEMBER\" font_container=\"tag:h2|font_size:34|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"-1px\" css=\".vc_custom_1580073091125{background-color: #3768b4 !important;}\"][vc_custom_heading text=\"<strong>You’re a member when you have a shares account, savings account or a loan with us.</strong><br />\nThere are two (2) classes of membership: Full Membership and Associate Membership.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580073661320{margin-top: 20px !important;}\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_custom_heading text=\"Full Membership\" font_container=\"tag:h3|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1578448971845{margin-top: 20px !important;}\"][vc_custom_heading text=\"A person shall be deemed to be a full member upon the purchasing of a minimum of 100 shares at a value as may be determined by the Association from time to time.<br />\nFull membership allows full access to the products and services offered by the Association, subject to the satisfaction of the specific requirements established for those products and services.<br />\nFull members shall have the right to nominate candidates for the Board of Directors (BOD), be nominated as a candidate for the Board and vote at Annual General Meetings and Special Meetings in keeping with the provisions of the Rules of the Association.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\"][vc_custom_heading text=\"Associate Membership\" font_container=\"tag:h3|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1578448988423{margin-top: 20px !important;}\"][vc_custom_heading text=\"Persons with 25 shares qualify for Associate Membership, with limited access to products and services.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\"][vc_empty_space height=\"40px\"][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1579197900706{border-left-width: 2px !important;border-left-color: #e8e8e8 !important;border-left-style: solid !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"5\" img_size=\"250x250\" alignment=\"center\" css_animation=\"none\"][vc_empty_space height=\"20px\"][vc_raw_html]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[/vc_raw_html][vc_empty_space height=\"15px\"][vc_column_text][su_button url=\"http://dev.svbla.com/contact-us/#makeappt\" target=\"self\" style=\"3d\" background=\"#e13454\" color=\"#FFFFFF\" size=\"8\" wide=\"yes\" center=\"yes\" radius=\"5\" icon=\"\" icon_color=\"#FFFFFF\" text_shadow=\"none\" desc=\"\" download=\"\" onclick=\"\" rel=\"\" title=\"\" id=\"\" class=\"\"]BECOME A MEMBER&nbsp;<i class=\"vc_btn3-icon fa fa-caret-right\" aria-hidden=\"true\"></i>[/su_button][/vc_column_text][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"top\"][vc_column width=\"3/4\"][vc_empty_space][vc_custom_heading text=\"<span class=``pe-7s-like2``></span>BENEFITS OF MEMBERSHIP\" font_container=\"tag:h2|font_size:34|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"-1px\" css=\".vc_custom_1580078819523{background-color: #3768b4 !important;}\" el_id=\"svbla-member-benefits\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_custom_heading text=\"Putting our members first\" font_container=\"tag:h3|font_size:22|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580072610008{margin-top: 20px !important;}\"][vc_custom_heading text=\"We’ve had the same purpose now for over 78 years: to help ordinary people buy their own homes and save for their futures. Put simply, those who save with us help those who mortgage through us.<br />\nThat’s what being a mutual building society means. And as we’re owned by you, our members, we listen to what you want. It’s this that shapes our future – and helps us build society, nationwide.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580073676386{margin-top: 20px !important;}\" link=\"url:https%3A%2F%2Fwww.nationwide.co.uk%2Fabout%2Fwhy-choose-nationwide%2Fall-about-membership%23tab%3AMembership||target:%20_blank|\"][vc_custom_heading text=\"The benefits of membership\" font_container=\"tag:h3|font_size:20|text_align:justify|color:%23154fa9\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580072904139{margin-top: 20px !important;}\"][vc_custom_heading text=\"Having shareholders (in the way that banks do) to answer to means we can bring our members some unique benefits. We can also help their friends, families, and the communities they (and we) are part of.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580076385315{margin-top: 20px !important;}\" link=\"url:https%3A%2F%2Fwww.nationwide.co.uk%2Fabout%2Fwhy-choose-nationwide%2Fall-about-membership%23tab%3AMembership||target:%20_blank|\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_row_inner equal_height=\"yes\" gap=\"10\" css=\".vc_custom_1580076078698{margin-top: 0px !important;}\"][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"</br></p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-heart fa-2x`` aria-hidden=``true``></i><br />\n<span>For you<br />\n</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580176761274{padding-top: 40px !important;padding-right: 10px !important;padding-bottom: 45px !important;padding-left: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong>Access to our just-for-members range</strong><br />\nIncluding savings accounts, credit cards, loans, home insurance, investments and financial protection.</p>\n<p><strong>Your voice heard</strong><br />\nHave your say and help shape the SVBLA through our online community Connect, or at our Annual General Meeting (AGM). The people you vote for help shape SVBLA’s direction and priorities. You can also connect with us on social media.</p>\n</div>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080257336{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"</p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-users fa-2x`` aria-hidden=``true``></i><br />\n<span>For your<br />\nfamily and friends<br />\n</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580176140170{padding-top: 40px !important;padding-right: 10px !important;padding-bottom: 10px !important;padding-left: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong><a href=``#``>Your support recognised</a></strong><br />\nRecommend one of our current accounts* to a family member or friend and, if they switch their current account to us within 90 days, you’ll each receive $100.You can recommend up to three people a year.</p>\n<p><strong><a href=``#``>Helping you help your family</a></strong><br />\nWith our Family Deposit Mortgages, you can borrow against your own home and gift the money to a family member to help them buy a place of their own.</div>\n<h4>Our mortgages are available to Vincentian residents aged 18 and over. all mortgages are subject to underwriting and criteria.<br />\nYour mortgage is secured on your home, which you could lose if you do not keep up with your mortgage repayments.</h4>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080417124{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"</p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-globe fa-2x`` aria-hidden=``true``></i><br />\n<span>For your community<br />\nand society</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580176192305{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong>You help make a difference</strong><br />\nIn 2007, our members decided we should give at least 1% of pre-tax profits to local causes. Today, we\'re still doing just that – with a focus on tackling the housing crisis so everyone has a place to call home. Our Community grants programme means housing organisations and charities can apply for grants of up to $50,000 to help make a change.</p>\n<p><strong>We\'re on the high street</strong><br />\nWe\'re committed to giving our members the best possible experience. We know that, no matter how good technology gets, there\'ll be times when you\'d rather deal with us in person.</p>\n<p><strong>You can help us support our charity partners</strong><br />\nJoin in with your branch’s initiatives supporting local charities and SVBLA’s charity partners – Macmillan Cancer Support and Shelter. Just pop in to find out more.</div>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080583421{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1579197900706{border-left-width: 2px !important;border-left-color: #e8e8e8 !important;border-left-style: solid !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"3747\" img_size=\"250x250\" alignment=\"center\" css_animation=\"none\"][vc_empty_space height=\"20px\"][vc_empty_space height=\"15px\"][/vc_column][/vc_row][vc_row 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01:59:33','2020-01-28 01:59:33','',2889,'http://dev.svbla.com/2020/01/28/2889-revision-v1/',0,'revision','',0),(3836,2,'2020-01-28 02:03:55','2020-01-28 02:03:55','<p>[vc_row equal_height=\"yes\" content_placement=\"top\"][vc_column width=\"3/4\"][vc_empty_space height=\"40px\"][vc_custom_heading text=\"<span class=``pe-7s-users``></span>WHAT MAKES ME A MEMBER\" font_container=\"tag:h2|font_size:34|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"-1px\" css=\".vc_custom_1580073091125{background-color: #3768b4 !important;}\"][vc_custom_heading text=\"<strong>You’re a member when you have a shares account, savings account or a loan with us.</strong><br />\nThere are two (2) classes of membership: Full Membership and Associate Membership.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580073661320{margin-top: 20px !important;}\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_custom_heading text=\"Full Membership\" font_container=\"tag:h3|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1578448971845{margin-top: 20px !important;}\"][vc_custom_heading text=\"A person shall be deemed to be a full member upon the purchasing of a minimum of 100 shares at a value as may be determined by the Association from time to time.<br />\nFull membership allows full access to the products and services offered by the Association, subject to the satisfaction of the specific requirements established for those products and services.<br />\nFull members shall have the right to nominate candidates for the Board of Directors (BOD), be nominated as a candidate for the Board and vote at Annual General Meetings and Special Meetings in keeping with the provisions of the Rules of the Association.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\"][vc_custom_heading text=\"Associate Membership\" font_container=\"tag:h3|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1578448988423{margin-top: 20px !important;}\"][vc_custom_heading text=\"Persons with 25 shares qualify for Associate Membership, with limited access to products and services.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\"][vc_empty_space height=\"40px\"][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1579197900706{border-left-width: 2px !important;border-left-color: #e8e8e8 !important;border-left-style: solid !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"5\" img_size=\"250x250\" alignment=\"center\" css_animation=\"none\"][vc_empty_space height=\"20px\"][vc_raw_html]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[/vc_raw_html][vc_empty_space height=\"15px\"][vc_column_text][su_button url=\"http://dev.svbla.com/contact-us/#makeappt\" target=\"self\" style=\"3d\" background=\"#e13454\" color=\"#FFFFFF\" size=\"8\" wide=\"yes\" center=\"yes\" radius=\"5\" icon=\"\" icon_color=\"#FFFFFF\" text_shadow=\"none\" desc=\"\" download=\"\" onclick=\"\" rel=\"\" title=\"\" id=\"\" class=\"\"]BECOME A MEMBER&nbsp;<i class=\"vc_btn3-icon fa fa-caret-right\" aria-hidden=\"true\"></i>[/su_button][/vc_column_text][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"top\"][vc_column width=\"3/4\"][vc_empty_space][vc_custom_heading text=\"<span class=``pe-7s-like2``></span>BENEFITS OF MEMBERSHIP\" font_container=\"tag:h2|font_size:34|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"-1px\" css=\".vc_custom_1580078819523{background-color: #3768b4 !important;}\" el_id=\"svbla-member-benefits\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_custom_heading text=\"Putting our members first\" font_container=\"tag:h3|font_size:22|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580072610008{margin-top: 20px !important;}\"][vc_custom_heading text=\"We’ve had the same purpose now for over 78 years: to help ordinary people buy their own homes and save for their futures. Put simply, those who save with us help those who mortgage through us.<br />\nThat’s what being a mutual building society means. And as we’re owned by you, our members, we listen to what you want. It’s this that shapes our future – and helps us build society, nationwide.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580073676386{margin-top: 20px !important;}\" link=\"url:https%3A%2F%2Fwww.nationwide.co.uk%2Fabout%2Fwhy-choose-nationwide%2Fall-about-membership%23tab%3AMembership||target:%20_blank|\"][vc_custom_heading text=\"The benefits of membership\" font_container=\"tag:h3|font_size:20|text_align:justify|color:%23154fa9\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580072904139{margin-top: 20px !important;}\"][vc_custom_heading text=\"Having shareholders (in the way that banks do) to answer to means we can bring our members some unique benefits. We can also help their friends, families, and the communities they (and we) are part of.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580076385315{margin-top: 20px !important;}\" link=\"url:https%3A%2F%2Fwww.nationwide.co.uk%2Fabout%2Fwhy-choose-nationwide%2Fall-about-membership%23tab%3AMembership||target:%20_blank|\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_row_inner equal_height=\"yes\" gap=\"10\" css=\".vc_custom_1580076078698{margin-top: 0px !important;}\"][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"</br></p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-heart fa-2x`` aria-hidden=``true``></i><br />\n<span>For you<br />\n</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580177028159{padding-top: 40px !important;padding-right: 10px !important;padding-bottom: 30px !important;padding-left: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong>Access to our just-for-members range</strong><br />\nIncluding savings accounts, credit cards, loans, home insurance, investments and financial protection.</p>\n<p><strong>Your voice heard</strong><br />\nHave your say and help shape the SVBLA through our online community Connect, or at our Annual General Meeting (AGM). The people you vote for help shape SVBLA’s direction and priorities. You can also connect with us on social media.</p>\n</div>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080257336{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"</p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-users fa-2x`` aria-hidden=``true``></i><br />\n<span>For your<br />\nfamily and friends<br />\n</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580176140170{padding-top: 40px !important;padding-right: 10px !important;padding-bottom: 10px !important;padding-left: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong><a href=``#``>Your support recognised</a></strong><br />\nRecommend one of our current accounts* to a family member or friend and, if they switch their current account to us within 90 days, you’ll each receive $100.You can recommend up to three people a year.</p>\n<p><strong><a href=``#``>Helping you help your family</a></strong><br />\nWith our Family Deposit Mortgages, you can borrow against your own home and gift the money to a family member to help them buy a place of their own.</div>\n<h4>Our mortgages are available to Vincentian residents aged 18 and over. all mortgages are subject to underwriting and criteria.<br />\nYour mortgage is secured on your home, which you could lose if you do not keep up with your mortgage repayments.</h4>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080417124{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"</p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-globe fa-2x`` aria-hidden=``true``></i><br />\n<span>For your community<br />\nand society</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580176192305{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong>You help make a difference</strong><br />\nIn 2007, our members decided we should give at least 1% of pre-tax profits to local causes. Today, we\'re still doing just that – with a focus on tackling the housing crisis so everyone has a place to call home. Our Community grants programme means housing organisations and charities can apply for grants of up to $50,000 to help make a change.</p>\n<p><strong>We\'re on the high street</strong><br />\nWe\'re committed to giving our members the best possible experience. We know that, no matter how good technology gets, there\'ll be times when you\'d rather deal with us in person.</p>\n<p><strong>You can help us support our charity partners</strong><br />\nJoin in with your branch’s initiatives supporting local charities and SVBLA’s charity partners – Macmillan Cancer Support and Shelter. Just pop in to find out more.</div>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080583421{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1579197900706{border-left-width: 2px !important;border-left-color: #e8e8e8 !important;border-left-style: solid !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"3747\" img_size=\"250x250\" alignment=\"center\" css_animation=\"none\"][vc_empty_space height=\"20px\"][vc_empty_space height=\"15px\"][/vc_column][/vc_row][vc_row 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02:03:55','2020-01-28 02:03:55','',2889,'http://dev.svbla.com/2020/01/28/2889-revision-v1/',0,'revision','',0),(3837,2,'2020-01-28 02:05:30','2020-01-28 02:05:30','<p>[vc_row equal_height=\"yes\" content_placement=\"top\"][vc_column width=\"3/4\"][vc_empty_space height=\"40px\"][vc_custom_heading text=\"<span class=``pe-7s-users``></span>WHAT MAKES ME A MEMBER\" font_container=\"tag:h2|font_size:34|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"-1px\" css=\".vc_custom_1580073091125{background-color: #3768b4 !important;}\"][vc_custom_heading text=\"<strong>You’re a member when you have a shares account, savings account or a loan with us.</strong><br />\nThere are two (2) classes of membership: Full Membership and Associate Membership.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580073661320{margin-top: 20px !important;}\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_custom_heading text=\"Full Membership\" font_container=\"tag:h3|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1578448971845{margin-top: 20px !important;}\"][vc_custom_heading text=\"A person shall be deemed to be a full member upon the purchasing of a minimum of 100 shares at a value as may be determined by the Association from time to time.<br />\nFull membership allows full access to the products and services offered by the Association, subject to the satisfaction of the specific requirements established for those products and services.<br />\nFull members shall have the right to nominate candidates for the Board of Directors (BOD), be nominated as a candidate for the Board and vote at Annual General Meetings and Special Meetings in keeping with the provisions of the Rules of the Association.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\"][vc_custom_heading text=\"Associate Membership\" font_container=\"tag:h3|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1578448988423{margin-top: 20px !important;}\"][vc_custom_heading text=\"Persons with 25 shares qualify for Associate Membership, with limited access to products and services.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\"][vc_empty_space height=\"40px\"][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1579197900706{border-left-width: 2px !important;border-left-color: #e8e8e8 !important;border-left-style: solid !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"5\" img_size=\"250x250\" alignment=\"center\" 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height=\"20px\"][vc_raw_html]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[/vc_raw_html][vc_empty_space height=\"15px\"][vc_column_text][su_button url=\"http://dev.svbla.com/contact-us/#makeappt\" target=\"self\" style=\"3d\" background=\"#e13454\" color=\"#FFFFFF\" size=\"8\" wide=\"yes\" center=\"yes\" radius=\"5\" icon=\"\" icon_color=\"#FFFFFF\" text_shadow=\"none\" desc=\"\" download=\"\" onclick=\"\" rel=\"\" title=\"\" id=\"\" class=\"\"]BECOME A MEMBER&nbsp;<i class=\"vc_btn3-icon fa fa-caret-right\" aria-hidden=\"true\"></i>[/su_button][/vc_column_text][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"top\"][vc_column width=\"3/4\"][vc_empty_space][vc_custom_heading text=\"<span class=``pe-7s-like2``></span>BENEFITS OF MEMBERSHIP\" font_container=\"tag:h2|font_size:34|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"-1px\" css=\".vc_custom_1580078819523{background-color: #3768b4 !important;}\" el_id=\"svbla-member-benefits\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_custom_heading text=\"Putting our members first\" font_container=\"tag:h3|font_size:22|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580072610008{margin-top: 20px !important;}\"][vc_custom_heading text=\"We’ve had the same purpose now for over 78 years: to help ordinary people buy their own homes and save for their futures. Put simply, those who save with us help those who mortgage through us.<br />\nThat’s what being a mutual building society means. And as we’re owned by you, our members, we listen to what you want. It’s this that shapes our future – and helps us build society, nationwide.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580073676386{margin-top: 20px !important;}\" link=\"url:https%3A%2F%2Fwww.nationwide.co.uk%2Fabout%2Fwhy-choose-nationwide%2Fall-about-membership%23tab%3AMembership||target:%20_blank|\"][vc_custom_heading text=\"The benefits of membership\" font_container=\"tag:h3|font_size:20|text_align:justify|color:%23154fa9\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580072904139{margin-top: 20px !important;}\"][vc_custom_heading text=\"Having shareholders (in the way that banks do) to answer to means we can bring our members some unique benefits. We can also help their friends, families, and the communities they (and we) are part of.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580076385315{margin-top: 20px !important;}\" link=\"url:https%3A%2F%2Fwww.nationwide.co.uk%2Fabout%2Fwhy-choose-nationwide%2Fall-about-membership%23tab%3AMembership||target:%20_blank|\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_row_inner equal_height=\"yes\" gap=\"10\" css=\".vc_custom_1580076078698{margin-top: 0px !important;}\"][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"</br></p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-heart fa-2x`` aria-hidden=``true``></i><br />\n<span>For you<br />\n</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580177124603{padding-top: 40px !important;padding-right: 10px !important;padding-bottom: 20px !important;padding-left: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong>Access to our just-for-members range</strong><br />\nIncluding savings accounts, credit cards, loans, home insurance, investments and financial protection.</p>\n<p><strong>Your voice heard</strong><br />\nHave your say and help shape the SVBLA through our online community Connect, or at our Annual General Meeting (AGM). The people you vote for help shape SVBLA’s direction and priorities. You can also connect with us on social media.</p>\n</div>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080257336{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"</p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-users fa-2x`` aria-hidden=``true``></i><br />\n<span>For your<br />\nfamily and friends<br />\n</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:center|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580176140170{padding-top: 40px !important;padding-right: 10px !important;padding-bottom: 10px !important;padding-left: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong><a href=``#``>Your support recognised</a></strong><br />\nRecommend one of our current accounts* to a family member or friend and, if they switch their current account to us within 90 days, you’ll each receive $100.You can recommend up to three people a year.</p>\n<p><strong><a href=``#``>Helping you help your family</a></strong><br />\nWith our Family Deposit Mortgages, you can borrow against your own home and gift the money to a family member to help them buy a place of their own.</div>\n<h4>Our mortgages are available to Vincentian residents aged 18 and over. all mortgages are subject to underwriting and criteria.<br />\nYour mortgage is secured on your home, which you could lose if you do not keep up with your mortgage repayments.</h4>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080417124{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"</p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-globe fa-2x`` aria-hidden=``true``></i><br />\n<span>For your community<br />\nand society</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580176192305{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong>You help make a difference</strong><br />\nIn 2007, our members decided we should give at least 1% of pre-tax profits to local causes. Today, we\'re still doing just that – with a focus on tackling the housing crisis so everyone has a place to call home. Our Community grants programme means housing organisations and charities can apply for grants of up to $50,000 to help make a change.</p>\n<p><strong>We\'re on the high street</strong><br />\nWe\'re committed to giving our members the best possible experience. We know that, no matter how good technology gets, there\'ll be times when you\'d rather deal with us in person.</p>\n<p><strong>You can help us support our charity partners</strong><br />\nJoin in with your branch’s initiatives supporting local charities and SVBLA’s charity partners – Macmillan Cancer Support and Shelter. Just pop in to find out more.</div>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080583421{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1579197900706{border-left-width: 2px !important;border-left-color: #e8e8e8 !important;border-left-style: solid !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"3747\" img_size=\"250x250\" alignment=\"center\" css_animation=\"none\"][vc_empty_space height=\"20px\"][vc_empty_space height=\"15px\"][/vc_column][/vc_row][vc_row 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02:05:30','2020-01-28 02:05:30','',2889,'http://dev.svbla.com/2020/01/28/2889-revision-v1/',0,'revision','',0),(3838,2,'2020-01-28 02:09:37','2020-01-28 02:09:37','<p>[vc_row equal_height=\"yes\" content_placement=\"top\"][vc_column width=\"3/4\"][vc_empty_space height=\"40px\"][vc_custom_heading text=\"<span class=``pe-7s-users``></span>WHAT MAKES ME A MEMBER\" font_container=\"tag:h2|font_size:34|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"-1px\" css=\".vc_custom_1580073091125{background-color: #3768b4 !important;}\"][vc_custom_heading text=\"<strong>You’re a member when you have a shares account, savings account or a loan with us.</strong><br />\nThere are two (2) classes of membership: Full Membership and Associate Membership.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580073661320{margin-top: 20px !important;}\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_custom_heading text=\"Full Membership\" font_container=\"tag:h3|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1578448971845{margin-top: 20px !important;}\"][vc_custom_heading text=\"A person shall be deemed to be a full member upon the purchasing of a minimum of 100 shares at a value as may be determined by the Association from time to time.<br />\nFull membership allows full access to the products and services offered by the Association, subject to the satisfaction of the specific requirements established for those products and services.<br />\nFull members shall have the right to nominate candidates for the Board of Directors (BOD), be nominated as a candidate for the Board and vote at Annual General Meetings and Special Meetings in keeping with the provisions of the Rules of the Association.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\"][vc_custom_heading text=\"Associate Membership\" font_container=\"tag:h3|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1578448988423{margin-top: 20px !important;}\"][vc_custom_heading text=\"Persons with 25 shares qualify for Associate Membership, with limited access to products and services.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\"][vc_empty_space height=\"40px\"][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1579197900706{border-left-width: 2px !important;border-left-color: #e8e8e8 !important;border-left-style: solid !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"5\" img_size=\"250x250\" alignment=\"center\" css_animation=\"none\"][vc_empty_space height=\"20px\"][vc_raw_html]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[/vc_raw_html][vc_empty_space height=\"15px\"][vc_column_text][su_button url=\"http://dev.svbla.com/contact-us/#makeappt\" target=\"self\" style=\"3d\" background=\"#e13454\" color=\"#FFFFFF\" size=\"8\" wide=\"yes\" center=\"yes\" radius=\"5\" icon=\"\" icon_color=\"#FFFFFF\" text_shadow=\"none\" desc=\"\" download=\"\" onclick=\"\" rel=\"\" title=\"\" id=\"\" class=\"\"]BECOME A MEMBER&nbsp;<i class=\"vc_btn3-icon fa fa-caret-right\" aria-hidden=\"true\"></i>[/su_button][/vc_column_text][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"top\"][vc_column width=\"3/4\"][vc_empty_space][vc_custom_heading text=\"<span class=``pe-7s-like2``></span>BENEFITS OF MEMBERSHIP\" font_container=\"tag:h2|font_size:34|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"-1px\" css=\".vc_custom_1580078819523{background-color: #3768b4 !important;}\" el_id=\"svbla-member-benefits\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_custom_heading text=\"Putting our members first\" font_container=\"tag:h3|font_size:22|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580072610008{margin-top: 20px !important;}\"][vc_custom_heading text=\"We’ve had the same purpose now for over 78 years: to help ordinary people buy their own homes and save for their futures. Put simply, those who save with us help those who mortgage through us.<br />\nThat’s what being a mutual building society means. And as we’re owned by you, our members, we listen to what you want. It’s this that shapes our future – and helps us build society, nationwide.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580073676386{margin-top: 20px !important;}\" link=\"url:https%3A%2F%2Fwww.nationwide.co.uk%2Fabout%2Fwhy-choose-nationwide%2Fall-about-membership%23tab%3AMembership||target:%20_blank|\"][vc_custom_heading text=\"The benefits of membership\" font_container=\"tag:h3|font_size:20|text_align:justify|color:%23154fa9\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580072904139{margin-top: 20px !important;}\"][vc_custom_heading text=\"Having shareholders (in the way that banks do) to answer to means we can bring our members some unique benefits. We can also help their friends, families, and the communities they (and we) are part of.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580076385315{margin-top: 20px !important;}\" link=\"url:https%3A%2F%2Fwww.nationwide.co.uk%2Fabout%2Fwhy-choose-nationwide%2Fall-about-membership%23tab%3AMembership||target:%20_blank|\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_row_inner equal_height=\"yes\" gap=\"10\" css=\".vc_custom_1580076078698{margin-top: 0px !important;}\"][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"</br></p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-heart fa-2x`` aria-hidden=``true``></i><br />\n<span>For you<br />\n</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580177291965{padding-top: 40px !important;padding-right: 10px !important;padding-bottom: 20px !important;padding-left: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong>Access to our just-for-members range</strong><br />\nIncluding savings accounts, credit cards, loans, home insurance, investments and financial protection.</p>\n<p><strong>Your voice heard</strong><br />\nHave your say and help shape the SVBLA through our online community Connect, or at our Annual General Meeting (AGM). The people you vote for help shape SVBLA’s direction and priorities. You can also connect with us on social media.</p>\n</div>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080257336{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"</p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-users fa-2x`` aria-hidden=``true``></i><br />\n<span>For your<br />\nfamily and friends<br />\n</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580177369401{padding-top: 40px !important;padding-right: 10px !important;padding-bottom: 10px !important;padding-left: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong><a href=``#``>Your support recognised</a></strong><br />\nRecommend one of our current accounts* to a family member or friend and, if they switch their current account to us within 90 days, you’ll each receive $100.You can recommend up to three people a year.</p>\n<p><strong><a href=``#``>Helping you help your family</a></strong><br />\nWith our Family Deposit Mortgages, you can borrow against your own home and gift the money to a family member to help them buy a place of their own.</div>\n<h4>Our mortgages are available to Vincentian residents aged 18 and over. all mortgages are subject to underwriting and criteria.<br />\nYour mortgage is secured on your home, which you could lose if you do not keep up with your mortgage repayments.</h4>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080417124{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"</p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-globe fa-2x`` aria-hidden=``true``></i><br />\n<span>For your community<br>and society</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580177358214{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong>You help make a difference</strong><br />\nIn 2007, our members decided we should give at least 1% of pre-tax profits to local causes. Today, we\'re still doing just that – with a focus on tackling the housing crisis so everyone has a place to call home. Our Community grants programme means housing organisations and charities can apply for grants of up to $50,000 to help make a change.</p>\n<p><strong>We\'re on the high street</strong><br />\nWe\'re committed to giving our members the best possible experience. We know that, no matter how good technology gets, there\'ll be times when you\'d rather deal with us in person.</p>\n<p><strong>You can help us support our charity partners</strong><br />\nJoin in with your branch’s initiatives supporting local charities and SVBLA’s charity partners – Macmillan Cancer Support and Shelter. Just pop in to find out more.</div>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080583421{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1579197900706{border-left-width: 2px !important;border-left-color: #e8e8e8 !important;border-left-style: solid !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"3747\" img_size=\"250x250\" alignment=\"center\" css_animation=\"none\"][vc_empty_space height=\"20px\"][vc_empty_space height=\"15px\"][/vc_column][/vc_row][vc_row 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02:09:37','2020-01-28 02:09:37','',2889,'http://dev.svbla.com/2020/01/28/2889-revision-v1/',0,'revision','',0),(3839,2,'2020-01-28 02:10:34','2020-01-28 02:10:34','<p>[vc_row equal_height=\"yes\" content_placement=\"top\"][vc_column width=\"3/4\"][vc_empty_space height=\"40px\"][vc_custom_heading text=\"<span class=``pe-7s-users``></span>WHAT MAKES ME A MEMBER\" font_container=\"tag:h2|font_size:34|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"-1px\" css=\".vc_custom_1580073091125{background-color: #3768b4 !important;}\"][vc_custom_heading text=\"<strong>You’re a member when you have a shares account, savings account or a loan with us.</strong><br />\nThere are two (2) classes of membership: Full Membership and Associate Membership.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580073661320{margin-top: 20px !important;}\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_custom_heading text=\"Full Membership\" font_container=\"tag:h3|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1578448971845{margin-top: 20px !important;}\"][vc_custom_heading text=\"A person shall be deemed to be a full member upon the purchasing of a minimum of 100 shares at a value as may be determined by the Association from time to time.<br />\nFull membership allows full access to the products and services offered by the Association, subject to the satisfaction of the specific requirements established for those products and services.<br />\nFull members shall have the right to nominate candidates for the Board of Directors (BOD), be nominated as a candidate for the Board and vote at Annual General Meetings and Special Meetings in keeping with the provisions of the Rules of the Association.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\"][vc_custom_heading text=\"Associate Membership\" font_container=\"tag:h3|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1578448988423{margin-top: 20px !important;}\"][vc_custom_heading text=\"Persons with 25 shares qualify for Associate Membership, with limited access to products and services.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\"][vc_empty_space height=\"40px\"][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1579197900706{border-left-width: 2px !important;border-left-color: #e8e8e8 !important;border-left-style: solid !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"5\" img_size=\"250x250\" alignment=\"center\" css_animation=\"none\"][vc_empty_space height=\"20px\"][vc_raw_html]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[/vc_raw_html][vc_empty_space height=\"15px\"][vc_column_text][su_button url=\"http://dev.svbla.com/contact-us/#makeappt\" target=\"self\" style=\"3d\" background=\"#e13454\" color=\"#FFFFFF\" size=\"8\" wide=\"yes\" center=\"yes\" radius=\"5\" icon=\"\" icon_color=\"#FFFFFF\" text_shadow=\"none\" desc=\"\" download=\"\" onclick=\"\" rel=\"\" title=\"\" id=\"\" class=\"\"]BECOME A MEMBER&nbsp;<i class=\"vc_btn3-icon fa fa-caret-right\" aria-hidden=\"true\"></i>[/su_button][/vc_column_text][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"top\"][vc_column width=\"3/4\"][vc_empty_space][vc_custom_heading text=\"<span class=``pe-7s-like2``></span>BENEFITS OF MEMBERSHIP\" font_container=\"tag:h2|font_size:34|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"-1px\" css=\".vc_custom_1580078819523{background-color: #3768b4 !important;}\" el_id=\"svbla-member-benefits\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_custom_heading text=\"Putting our members first\" font_container=\"tag:h3|font_size:22|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580072610008{margin-top: 20px !important;}\"][vc_custom_heading text=\"We’ve had the same purpose now for over 78 years: to help ordinary people buy their own homes and save for their futures. Put simply, those who save with us help those who mortgage through us.<br />\nThat’s what being a mutual building society means. And as we’re owned by you, our members, we listen to what you want. It’s this that shapes our future – and helps us build society, nationwide.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580073676386{margin-top: 20px !important;}\" link=\"url:https%3A%2F%2Fwww.nationwide.co.uk%2Fabout%2Fwhy-choose-nationwide%2Fall-about-membership%23tab%3AMembership||target:%20_blank|\"][vc_custom_heading text=\"The benefits of membership\" font_container=\"tag:h3|font_size:20|text_align:justify|color:%23154fa9\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580072904139{margin-top: 20px !important;}\"][vc_custom_heading text=\"Having shareholders (in the way that banks do) to answer to means we can bring our members some unique benefits. We can also help their friends, families, and the communities they (and we) are part of.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580076385315{margin-top: 20px !important;}\" link=\"url:https%3A%2F%2Fwww.nationwide.co.uk%2Fabout%2Fwhy-choose-nationwide%2Fall-about-membership%23tab%3AMembership||target:%20_blank|\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_row_inner equal_height=\"yes\" gap=\"10\" css=\".vc_custom_1580076078698{margin-top: 0px !important;}\"][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"</br></p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-heart fa-2x`` aria-hidden=``true``></i><br />\n<span>For you<br />\n</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580177426420{padding-top: 40px !important;padding-right: 10px !important;padding-bottom: 25px !important;padding-left: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong>Access to our just-for-members range</strong><br />\nIncluding savings accounts, credit cards, loans, home insurance, investments and financial protection.</p>\n<p><strong>Your voice heard</strong><br />\nHave your say and help shape the SVBLA through our online community Connect, or at our Annual General Meeting (AGM). The people you vote for help shape SVBLA’s direction and priorities. You can also connect with us on social media.</p>\n</div>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080257336{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"</p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-users fa-2x`` aria-hidden=``true``></i><br />\n<span>For your<br />\nfamily and friends<br />\n</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580177369401{padding-top: 40px !important;padding-right: 10px !important;padding-bottom: 10px !important;padding-left: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong><a href=``#``>Your support recognised</a></strong><br />\nRecommend one of our current accounts* to a family member or friend and, if they switch their current account to us within 90 days, you’ll each receive $100.You can recommend up to three people a year.</p>\n<p><strong><a href=``#``>Helping you help your family</a></strong><br />\nWith our Family Deposit Mortgages, you can borrow against your own home and gift the money to a family member to help them buy a place of their own.</div>\n<h4>Our mortgages are available to Vincentian residents aged 18 and over. all mortgages are subject to underwriting and criteria.<br />\nYour mortgage is secured on your home, which you could lose if you do not keep up with your mortgage repayments.</h4>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080417124{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"</p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-globe fa-2x`` aria-hidden=``true``></i><br />\n<span>For your community<br />\nand society</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580177358214{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong>You help make a difference</strong><br />\nIn 2007, our members decided we should give at least 1% of pre-tax profits to local causes. Today, we\'re still doing just that – with a focus on tackling the housing crisis so everyone has a place to call home. Our Community grants programme means housing organisations and charities can apply for grants of up to $50,000 to help make a change.</p>\n<p><strong>We\'re on the high street</strong><br />\nWe\'re committed to giving our members the best possible experience. We know that, no matter how good technology gets, there\'ll be times when you\'d rather deal with us in person.</p>\n<p><strong>You can help us support our charity partners</strong><br />\nJoin in with your branch’s initiatives supporting local charities and SVBLA’s charity partners – Macmillan Cancer Support and Shelter. 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We have the property for you. Select Property then click the <b>Details</b> button below to view more. You can also get in touch with our team to find out more about our property listings.\" font_container=\"tag:h2|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\"][vc_empty_space height=\"20px\"][/vc_column][/vc_row][vc_row][vc_column width=\"3/4\"][ult_tab_element tab_style=\"Style_5\" tab_title_color=\"#ffffff\" tab_background_color=\"#6221a8\" tab_hover_background_color=\"#ff3a75\" main_title_typograpy=\"\" main_desc_typograpy=\"\"][single_tab title=\"Tab 1\"][rem_list_properties style=\"2\" class=\"col-sm-4\" top_bar=\"enable\" posts=\"6\"][/single_tab][/ult_tab_element][vc_empty_space][/vc_column][vc_column width=\"1/4\"][vc_column_text][su_button url=\"http://dev.svbla.com/contact-us/#makeappt\" target=\"self\" style=\"3d\" background=\"#e13454\" color=\"#FFFFFF\" size=\"6\" wide=\"no\" center=\"yes\" radius=\"5\" icon=\"\" icon_color=\"#FFFFFF\" text_shadow=\"none\" desc=\"\" download=\"\" onclick=\"\" rel=\"\" title=\"\" id=\"\" class=\"\"]SCHEDULE SITE VISIT &nbsp;<i class=\"vc_btn3-icon fa fa-caret-right\" aria-hidden=\"true\"></i>[/su_button][/vc_column_text][rem_search_property fields_to_show=\"search,property_type,property_bedrooms,property_bathrooms,property_area,property_address,property_city,property_rooms,order,orderby\" columns=\"12\" search_btn_text=\"Search\"][/rem_search_property][/vc_column][/vc_row]</p>\n','Properties for Sale','','inherit','closed','closed','','23-revision-v1','','','2020-01-28 02:20:31','2020-01-28 02:20:31','',23,'http://dev.svbla.com/2020/01/28/23-revision-v1/',0,'revision','',0),(3842,2,'2020-01-28 02:23:31','2020-01-28 02:23:31','<p>[vc_row equal_height=\"yes\" content_placement=\"middle\" css=\".vc_custom_1579048792777{border-bottom-width: 2px !important;border-bottom-color: #e8e8e8 !important;border-bottom-style: solid !important;}\"][vc_column][vc_empty_space height=\"10px\"][vc_custom_heading text=\"Looking to purchase a residential or commercial property or land? We have the property for you. Select Property then click the <b>Details</b> button below to view more. You can also get in touch with our team to find out more about our property listings.\" font_container=\"tag:h2|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\"][vc_empty_space height=\"20px\"][/vc_column][/vc_row][vc_row][vc_column width=\"3/4\"][rem_list_properties style=\"2\" class=\"col-sm-4\" top_bar=\"enable\" posts=\"6\"][vc_empty_space][/vc_column][vc_column width=\"1/4\"][vc_column_text][su_button url=\"http://dev.svbla.com/contact-us/#makeappt\" target=\"self\" style=\"3d\" background=\"#e13454\" color=\"#FFFFFF\" size=\"6\" wide=\"no\" center=\"yes\" radius=\"5\" icon=\"\" icon_color=\"#FFFFFF\" text_shadow=\"none\" desc=\"\" download=\"\" onclick=\"\" rel=\"\" title=\"\" id=\"\" class=\"\"]SCHEDULE SITE VISIT &nbsp;<i class=\"vc_btn3-icon fa fa-caret-right\" aria-hidden=\"true\"></i>[/su_button][/vc_column_text][rem_search_property fields_to_show=\"search,property_type,property_bedrooms,property_bathrooms,property_area,property_address,property_city,property_rooms,order,orderby\" columns=\"12\" search_btn_text=\"Search\"][/rem_search_property][/vc_column][/vc_row]</p>\n','Properties for Sale','','inherit','closed','closed','','23-revision-v1','','','2020-01-28 02:23:31','2020-01-28 02:23:31','',23,'http://dev.svbla.com/2020/01/28/23-revision-v1/',0,'revision','',0),(3841,2,'2020-01-28 02:21:36','2020-01-28 02:21:36','<p>[vc_row equal_height=\"yes\" content_placement=\"middle\" css=\".vc_custom_1579048792777{border-bottom-width: 2px !important;border-bottom-color: #e8e8e8 !important;border-bottom-style: solid !important;}\"][vc_column][vc_empty_space height=\"10px\"][vc_custom_heading text=\"Looking to purchase a residential or commercial property or land? We have the property for you. Select Property then click the <b>Details</b> button below to view more. You can also get in touch with our team to find out more about our property listings.\" font_container=\"tag:h2|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\"][vc_empty_space height=\"20px\"][/vc_column][/vc_row][vc_row][vc_column width=\"3/4\"][ult_tab_element tab_style=\"Style_3\" tab_max=\"on\" tab_title_color=\"#ffffff\" tab_background_color=\"#6221a8\" tab_hover_background_color=\"#ff3a75\" main_title_typograpy=\"\" main_desc_typograpy=\"\"][single_tab title=\"Tab 1\"][rem_list_properties style=\"2\" class=\"col-sm-4\" top_bar=\"enable\" posts=\"6\"][/single_tab][/ult_tab_element][vc_empty_space][/vc_column][vc_column width=\"1/4\"][vc_column_text][su_button url=\"http://dev.svbla.com/contact-us/#makeappt\" target=\"self\" style=\"3d\" background=\"#e13454\" color=\"#FFFFFF\" size=\"6\" wide=\"no\" center=\"yes\" radius=\"5\" icon=\"\" icon_color=\"#FFFFFF\" text_shadow=\"none\" desc=\"\" download=\"\" onclick=\"\" rel=\"\" title=\"\" id=\"\" class=\"\"]SCHEDULE SITE VISIT &nbsp;<i class=\"vc_btn3-icon fa fa-caret-right\" aria-hidden=\"true\"></i>[/su_button][/vc_column_text][rem_search_property fields_to_show=\"search,property_type,property_bedrooms,property_bathrooms,property_area,property_address,property_city,property_rooms,order,orderby\" columns=\"12\" search_btn_text=\"Search\"][/rem_search_property][/vc_column][/vc_row]</p>\n','Properties for Sale','','inherit','closed','closed','','23-revision-v1','','','2020-01-28 02:21:36','2020-01-28 02:21:36','',23,'http://dev.svbla.com/2020/01/28/23-revision-v1/',0,'revision','',0),(3843,2,'2020-01-28 02:31:55','2020-01-28 02:31:55','<p>[vc_row equal_height=\"yes\" content_placement=\"middle\" css=\".vc_custom_1579048792777{border-bottom-width: 2px !important;border-bottom-color: #e8e8e8 !important;border-bottom-style: solid !important;}\"][vc_column][vc_empty_space height=\"10px\"][vc_custom_heading text=\"Looking to purchase a residential or commercial property or land? We have the property for you. Select Property then click the <b>Details</b> button below to view more. You can also get in touch with our team to find out more about our property listings.\" font_container=\"tag:h2|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\"][vc_empty_space height=\"20px\"][/vc_column][/vc_row][vc_row equal_height=\"yes\"][vc_column width=\"3/4\"][rem_list_properties style=\"2\" class=\"col-sm-4\" top_bar=\"enable\" posts=\"6\"][vc_empty_space][/vc_column][vc_column width=\"1/4\"][vc_column_text][su_button url=\"http://dev.svbla.com/contact-us/#makeappt\" target=\"self\" style=\"3d\" background=\"#e13454\" color=\"#FFFFFF\" size=\"6\" wide=\"no\" center=\"yes\" radius=\"5\" icon=\"\" icon_color=\"#FFFFFF\" text_shadow=\"none\" desc=\"\" download=\"\" onclick=\"\" rel=\"\" title=\"\" id=\"\" class=\"\"]SCHEDULE SITE VISIT &nbsp;<i class=\"vc_btn3-icon fa fa-caret-right\" aria-hidden=\"true\"></i>[/su_button][/vc_column_text][rem_search_property fields_to_show=\"search,property_type,property_bedrooms,property_bathrooms,property_area,property_address,property_city,property_rooms,order,orderby\" columns=\"12\" search_btn_text=\"Search\"][/rem_search_property][/vc_column][/vc_row]</p>\n','Properties for Sale','','inherit','closed','closed','','23-revision-v1','','','2020-01-28 02:31:55','2020-01-28 02:31:55','',23,'http://dev.svbla.com/2020/01/28/23-revision-v1/',0,'revision','',0),(3844,2,'2020-01-28 02:35:41','2020-01-28 02:35:41','<p>[vc_row equal_height=\"yes\" content_placement=\"middle\" css=\".vc_custom_1579048792777{border-bottom-width: 2px !important;border-bottom-color: #e8e8e8 !important;border-bottom-style: solid !important;}\"][vc_column][vc_empty_space height=\"10px\"][vc_custom_heading text=\"Looking to purchase a residential or commercial property or land? We have the property for you. Select Property then click the <b>Details</b> button below to view more. You can also get in touch with our team to find out more about our property listings.\" font_container=\"tag:h2|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\"][vc_empty_space height=\"20px\"][/vc_column][/vc_row][vc_row equal_height=\"yes\"][vc_column width=\"3/4\"][vc_tta_tabs][vc_tta_section title=\"All Properties\" tab_id=\"1580178772874-c93110eb-dc55\"][rem_list_properties style=\"2\" class=\"col-sm-4\" top_bar=\"enable\" posts=\"6\"][/vc_tta_section][vc_tta_section title=\"Search Results\" tab_id=\"property-search-results\"][rem_search_results][/vc_tta_section][/vc_tta_tabs][vc_empty_space][/vc_column][vc_column width=\"1/4\"][vc_column_text][su_button url=\"http://dev.svbla.com/contact-us/#makeappt\" target=\"self\" style=\"3d\" background=\"#e13454\" color=\"#FFFFFF\" size=\"6\" wide=\"no\" center=\"yes\" radius=\"5\" icon=\"\" icon_color=\"#FFFFFF\" text_shadow=\"none\" desc=\"\" download=\"\" onclick=\"\" rel=\"\" title=\"\" id=\"\" class=\"\"]SCHEDULE SITE VISIT &nbsp;<i class=\"vc_btn3-icon fa fa-caret-right\" aria-hidden=\"true\"></i>[/su_button][/vc_column_text][rem_search_property fields_to_show=\"search,property_type,property_bedrooms,property_bathrooms,property_area,property_address,property_city,property_rooms,order,orderby\" columns=\"12\" search_btn_text=\"Search\"][/rem_search_property][/vc_column][/vc_row]</p>\n','Properties for Sale','','inherit','closed','closed','','23-revision-v1','','','2020-01-28 02:35:41','2020-01-28 02:35:41','',23,'http://dev.svbla.com/2020/01/28/23-revision-v1/',0,'revision','',0),(3845,2,'2020-01-28 02:39:28','2020-01-28 02:39:28','<p>[vc_row equal_height=\"yes\" content_placement=\"middle\" css=\".vc_custom_1579048792777{border-bottom-width: 2px !important;border-bottom-color: #e8e8e8 !important;border-bottom-style: solid !important;}\"][vc_column][vc_empty_space height=\"10px\"][vc_custom_heading text=\"Looking to purchase a residential or commercial property or land? We have the property for you. Select Property then click the <b>Details</b> button below to view more. You can also get in touch with our team to find out more about our property listings.\" font_container=\"tag:h2|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\"][vc_empty_space height=\"20px\"][/vc_column][/vc_row][vc_row equal_height=\"yes\"][vc_column width=\"3/4\"][vc_tta_tabs][vc_tta_section title=\"All Properties\" tab_id=\"1580178772874-c93110eb-dc55\"][rem_list_properties style=\"2\" class=\"col-sm-4\" top_bar=\"enable\" posts=\"6\"][/vc_tta_section][vc_tta_section title=\"Search Results\" tab_id=\"property-search-results\"][vc_column_text][rem_search_results][/vc_column_text][/vc_tta_section][/vc_tta_tabs][vc_empty_space][/vc_column][vc_column width=\"1/4\"][vc_column_text][su_button url=\"http://dev.svbla.com/contact-us/#makeappt\" target=\"self\" style=\"3d\" background=\"#e13454\" color=\"#FFFFFF\" size=\"6\" wide=\"no\" center=\"yes\" radius=\"5\" icon=\"\" icon_color=\"#FFFFFF\" text_shadow=\"none\" desc=\"\" download=\"\" onclick=\"\" rel=\"\" title=\"\" id=\"\" class=\"\"]SCHEDULE SITE VISIT &nbsp;<i class=\"vc_btn3-icon fa fa-caret-right\" aria-hidden=\"true\"></i>[/su_button][/vc_column_text][rem_search_property fields_to_show=\"search,property_type,property_bedrooms,property_bathrooms,property_area,property_address,property_city,property_rooms,order,orderby\" columns=\"12\" search_btn_text=\"Search\" results_page=\"#property-search-results\"][/rem_search_property][/vc_column][/vc_row]</p>\n','Properties for Sale','','inherit','closed','closed','','23-revision-v1','','','2020-01-28 02:39:28','2020-01-28 02:39:28','',23,'http://dev.svbla.com/2020/01/28/23-revision-v1/',0,'revision','',0),(3846,2,'2020-01-28 02:41:26','2020-01-28 02:41:26','<p>[vc_row equal_height=\"yes\" content_placement=\"middle\" css=\".vc_custom_1579048792777{border-bottom-width: 2px !important;border-bottom-color: #e8e8e8 !important;border-bottom-style: solid !important;}\"][vc_column][vc_empty_space height=\"10px\"][vc_custom_heading text=\"Looking to purchase a residential or commercial property or land? We have the property for you. Select Property then click the <b>Details</b> button below to view more. You can also get in touch with our team to find out more about our property listings.\" font_container=\"tag:h2|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\"][vc_empty_space height=\"20px\"][/vc_column][/vc_row][vc_row equal_height=\"yes\"][vc_column width=\"3/4\"][vc_tta_tabs][vc_tta_section title=\"All Properties\" tab_id=\"1580178772874-c93110eb-dc55\"][rem_list_properties style=\"2\" class=\"col-sm-4\" top_bar=\"enable\" posts=\"6\"][/vc_tta_section][vc_tta_section title=\"Search Results\" tab_id=\"property-search-results\"][vc_column_text][rem_search_results][/vc_column_text][/vc_tta_section][/vc_tta_tabs][vc_empty_space][/vc_column][vc_column width=\"1/4\"][vc_column_text][su_button url=\"http://dev.svbla.com/contact-us/#makeappt\" target=\"self\" style=\"3d\" background=\"#e13454\" color=\"#FFFFFF\" size=\"6\" wide=\"no\" center=\"yes\" radius=\"5\" icon=\"\" icon_color=\"#FFFFFF\" text_shadow=\"none\" desc=\"\" download=\"\" onclick=\"\" rel=\"\" title=\"\" id=\"\" class=\"\"]SCHEDULE SITE VISIT &nbsp;<i class=\"vc_btn3-icon fa fa-caret-right\" aria-hidden=\"true\"></i>[/su_button][/vc_column_text][rem_search_property fields_to_show=\"search,property_type,property_bedrooms,property_bathrooms,property_area,property_address,property_city,property_rooms,order,orderby\" columns=\"12\" search_btn_text=\"Search\" results_page=\"/properties-for-sale/#property-search-results\"][/rem_search_property][/vc_column][/vc_row]</p>\n','Properties for Sale','','inherit','closed','closed','','23-revision-v1','','','2020-01-28 02:41:26','2020-01-28 02:41:26','',23,'http://dev.svbla.com/2020/01/28/23-revision-v1/',0,'revision','',0),(3847,2,'2020-01-28 02:45:51','2020-01-28 02:45:51','<p>[vc_row equal_height=\"yes\" content_placement=\"middle\" css=\".vc_custom_1579048792777{border-bottom-width: 2px !important;border-bottom-color: #e8e8e8 !important;border-bottom-style: solid !important;}\"][vc_column][vc_empty_space height=\"10px\"][vc_custom_heading text=\"Looking to purchase a residential or commercial property or land? We have the property for you.<br>Select Property then click the <b>Details</b> button below to view more. Use the Search form to filter the selection.<br>You can also get in touch with our team to find out more about our property listings.\" font_container=\"tag:h2|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\"][vc_empty_space height=\"20px\"][/vc_column][/vc_row][vc_row equal_height=\"yes\"][vc_column width=\"3/4\"][vc_tta_tabs][vc_tta_section title=\"All Properties\" tab_id=\"1580178772874-c93110eb-dc55\"][rem_list_properties style=\"2\" class=\"col-sm-4\" top_bar=\"enable\" posts=\"6\"][/vc_tta_section][vc_tta_section title=\"Search Results\" tab_id=\"property-search-results\"][vc_column_text][rem_search_results][/vc_column_text][/vc_tta_section][/vc_tta_tabs][vc_empty_space][/vc_column][vc_column width=\"1/4\"][vc_column_text][su_button url=\"http://dev.svbla.com/contact-us/#makeappt\" target=\"self\" style=\"3d\" background=\"#e13454\" color=\"#FFFFFF\" size=\"6\" wide=\"no\" center=\"yes\" radius=\"5\" icon=\"\" icon_color=\"#FFFFFF\" text_shadow=\"none\" desc=\"\" download=\"\" onclick=\"\" rel=\"\" title=\"\" id=\"\" class=\"\"]SCHEDULE SITE VISIT &nbsp;<i class=\"vc_btn3-icon fa fa-caret-right\" aria-hidden=\"true\"></i>[/su_button][/vc_column_text][rem_search_property fields_to_show=\"search,property_type,property_bedrooms,property_bathrooms,property_area,property_address,property_city,property_rooms,order,orderby\" columns=\"12\" search_btn_text=\"Search\" results_page=\"/properties-for-sale/#property-search-results\"][/rem_search_property][/vc_column][/vc_row]</p>\n','Properties for Sale','','inherit','closed','closed','','23-revision-v1','','','2020-01-28 02:45:51','2020-01-28 02:45:51','',23,'http://dev.svbla.com/2020/01/28/23-revision-v1/',0,'revision','',0),(3848,2,'2020-01-28 02:48:25','2020-01-28 02:48:25','<p>[vc_row equal_height=\"yes\" content_placement=\"middle\" css=\".vc_custom_1579048792777{border-bottom-width: 2px !important;border-bottom-color: #e8e8e8 !important;border-bottom-style: solid !important;}\"][vc_column width=\"3/4\"][vc_empty_space height=\"10px\"][vc_custom_heading text=\"Looking to purchase a residential or commercial property or land? We have the property for you.<br />\nSelect Property then click the <b>Details</b> button below to view more. Use the Search form to filter the selection.<br />\nYou can also get in touch with our team to find out more about our property listings.\" font_container=\"tag:h2|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\"][vc_empty_space height=\"20px\"][/vc_column][vc_column width=\"1/4\"][vc_column_text][su_button url=\"http://dev.svbla.com/contact-us/#makeappt\" target=\"self\" style=\"3d\" background=\"#e13454\" color=\"#FFFFFF\" size=\"6\" wide=\"no\" center=\"yes\" radius=\"5\" icon=\"\" icon_color=\"#FFFFFF\" text_shadow=\"none\" desc=\"\" download=\"\" onclick=\"\" rel=\"\" title=\"\" id=\"\" class=\"\"]SCHEDULE SITE VISIT &nbsp;<i class=\"vc_btn3-icon fa fa-caret-right\" aria-hidden=\"true\"></i>[/su_button][/vc_column_text][/vc_column][/vc_row][vc_row equal_height=\"yes\"][vc_column width=\"3/4\"][vc_tta_tabs][vc_tta_section title=\"All Properties\" tab_id=\"1580178772874-c93110eb-dc55\"][rem_list_properties style=\"2\" class=\"col-sm-4\" top_bar=\"enable\" posts=\"6\"][/vc_tta_section][vc_tta_section title=\"Search Results\" tab_id=\"property-search-results\"][vc_column_text][rem_search_results][/vc_column_text][/vc_tta_section][/vc_tta_tabs][vc_empty_space][/vc_column][vc_column width=\"1/4\"][rem_search_property fields_to_show=\"search,property_type,property_bedrooms,property_bathrooms,property_area,property_address,property_city,property_rooms,order,orderby\" columns=\"12\" search_btn_text=\"Search\" results_page=\"/properties-for-sale/#property-search-results\"][/rem_search_property][/vc_column][/vc_row]</p>\n','Properties for Sale','','inherit','closed','closed','','23-revision-v1','','','2020-01-28 02:48:25','2020-01-28 02:48:25','',23,'http://dev.svbla.com/2020/01/28/23-revision-v1/',0,'revision','',0),(3965,2,'2020-01-30 05:00:02','2020-01-30 05:00:02','<p>[vc_row css=\".vc_custom_1576816602019{border-bottom-width: 2px !important;border-bottom-color: #e8e8e8 !important;border-bottom-style: solid !important;}\"][vc_column][vc_empty_space][vc_raw_html][encoded data, 5928 characters][/vc_raw_html][/vc_column][/vc_row]</p>\n','We\'re here to help','','inherit','closed','closed','','24-revision-v1','','','2020-01-30 05:00:02','2020-01-30 05:00:02','',24,'http://dev.svbla.com/2020/01/30/24-revision-v1/',0,'revision','',0),(3849,2,'2020-01-28 02:56:15','2020-01-28 02:56:15','<p>[vc_row css=\".vc_custom_1576816602019{border-bottom-width: 2px !important;border-bottom-color: #e8e8e8 !important;border-bottom-style: solid !important;}\"][vc_column][vc_empty_space][vc_raw_html][encoded data, 6016 characters][/vc_raw_html][/vc_column][/vc_row]</p>\n','We\'re here to help','','inherit','closed','closed','','24-revision-v1','','','2020-01-28 02:56:15','2020-01-28 02:56:15','',24,'http://dev.svbla.com/2020/01/28/24-revision-v1/',0,'revision','',0),(3850,2,'2020-01-28 10:32:10','2020-01-28 10:32:10','<p>[vc_row equal_height=\"yes\" content_placement=\"top\"][vc_column width=\"3/4\"][vc_empty_space height=\"40px\"][vc_custom_heading text=\"<span class=``pe-7s-users``></span>WHAT MAKES ME A MEMBER\" font_container=\"tag:h2|font_size:34|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"-1px\" css=\".vc_custom_1580073091125{background-color: #3768b4 !important;}\"][vc_custom_heading text=\"<strong>You’re a member when you have a shares account, savings account or a loan with us.</strong><br />\nThere are two (2) classes of membership: Full Membership and Associate Membership.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580073661320{margin-top: 20px !important;}\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_custom_heading text=\"Full Membership\" font_container=\"tag:h3|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1578448971845{margin-top: 20px !important;}\"][vc_custom_heading text=\"A person shall be deemed to be a full member upon the purchasing of a minimum of 100 shares at a value as may be determined by the Association from time to time.<br />\nFull membership allows full access to the products and services offered by the Association, subject to the satisfaction of the specific requirements established for those products and services.<br />\nFull members shall have the right to nominate candidates for the Board of Directors (BOD), be nominated as a candidate for the Board and vote at Annual General Meetings and Special Meetings in keeping with the provisions of the Rules of the Association.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\"][vc_custom_heading text=\"Associate Membership\" font_container=\"tag:h3|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1578448988423{margin-top: 20px !important;}\"][vc_custom_heading text=\"Persons with 25 shares qualify for Associate Membership, with limited access to products and services.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\"][vc_empty_space height=\"40px\"][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1579197900706{border-left-width: 2px !important;border-left-color: #e8e8e8 !important;border-left-style: solid !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"5\" img_size=\"250x250\" alignment=\"center\" css_animation=\"none\"][vc_empty_space height=\"20px\"][vc_raw_html]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[/vc_raw_html][vc_empty_space height=\"15px\"][vc_column_text][su_button url=\"http://dev.svbla.com/contact-us/#makeappt\" target=\"self\" style=\"3d\" background=\"#e13454\" color=\"#FFFFFF\" size=\"8\" wide=\"yes\" center=\"yes\" radius=\"5\" icon=\"\" icon_color=\"#FFFFFF\" text_shadow=\"none\" desc=\"\" download=\"\" onclick=\"\" rel=\"\" title=\"\" id=\"\" class=\"\"]BECOME A MEMBER&nbsp;<i class=\"vc_btn3-icon fa fa-caret-right\" aria-hidden=\"true\"></i>[/su_button][/vc_column_text][/vc_column][/vc_row][vc_row equal_height=\"yes\" content_placement=\"top\"][vc_column width=\"3/4\"][vc_empty_space][vc_custom_heading text=\"<span class=``pe-7s-like2``></span>BENEFITS OF MEMBERSHIP\" font_container=\"tag:h2|font_size:34|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"-1px\" css=\".vc_custom_1580078819523{background-color: #3768b4 !important;}\" el_id=\"svbla-member-benefits\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_custom_heading text=\"Putting our members first\" font_container=\"tag:h3|font_size:22|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580072610008{margin-top: 20px !important;}\"][vc_custom_heading text=\"We’ve had the same purpose now for over 78 years: to help ordinary people buy their own homes and save for their futures. Put simply, those who save with us help those who mortgage through us.<br />\nThat’s what being a mutual building society means. And as we’re owned by you, our members, we listen to what you want. It’s this that shapes our future – and helps us build society, nationwide.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580073676386{margin-top: 20px !important;}\" link=\"url:https%3A%2F%2Fwww.nationwide.co.uk%2Fabout%2Fwhy-choose-nationwide%2Fall-about-membership%23tab%3AMembership||target:%20_blank|\"][vc_custom_heading text=\"The benefits of membership\" font_container=\"tag:h3|font_size:20|text_align:justify|color:%23154fa9\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580072904139{margin-top: 20px !important;}\"][vc_custom_heading text=\"Having shareholders (in the way that banks do) to answer to means we can bring our members some unique benefits. We can also help their friends, families, and the communities they (and we) are part of.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" tm_letter_spacing=\"0px\" css=\".vc_custom_1580076385315{margin-top: 20px !important;}\" link=\"url:https%3A%2F%2Fwww.nationwide.co.uk%2Fabout%2Fwhy-choose-nationwide%2Fall-about-membership%23tab%3AMembership||target:%20_blank|\"][vc_empty_space height=\"10\" css=\".vc_custom_1578448075864{border-right-width: 50% !important;}\"][vc_row_inner equal_height=\"yes\" gap=\"10\" css=\".vc_custom_1580076078698{margin-top: 0px !important;}\"][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"</br></p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-heart fa-2x`` aria-hidden=``true``></i><br />\n<span>For you<br />\n</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580207522994{padding-top: 30px !important;padding-right: 10px !important;padding-bottom: 35px !important;padding-left: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong>Access to our just-for-members range</strong><br />\nIncluding savings accounts, credit cards, loans, home insurance, investments and financial protection.</p>\n<p><strong>Your voice heard</strong><br />\nHave your say and help shape the SVBLA through our online community Connect, or at our Annual General Meeting (AGM). The people you vote for help shape SVBLA’s direction and priorities. You can also connect with us on social media.</p>\n</div>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080257336{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"</p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-users fa-2x`` aria-hidden=``true``></i><br />\n<span>For your<br />\nfamily and friends<br />\n</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580177369401{padding-top: 40px !important;padding-right: 10px !important;padding-bottom: 10px !important;padding-left: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong><a href=``#``>Your support recognised</a></strong><br />\nRecommend one of our current accounts* to a family member or friend and, if they switch their current account to us within 90 days, you’ll each receive $100.You can recommend up to three people a year.</p>\n<p><strong><a href=``#``>Helping you help your family</a></strong><br />\nWith our Family Deposit Mortgages, you can borrow against your own home and gift the money to a family member to help them buy a place of their own.</div>\n<h4>Our mortgages are available to Vincentian residents aged 18 and over. all mortgages are subject to underwriting and criteria.<br />\nYour mortgage is secured on your home, which you could lose if you do not keep up with your mortgage repayments.</h4>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080417124{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"</p>\n<div class=``benefit``>\n<ul>\n<li>\n      <i class=``fa fa-globe fa-2x`` aria-hidden=``true``></i><br />\n<span>For your community<br />\nand society</span></li>\n</ul>\n</div>\n<p>\" font_container=\"tag:h2|font_size:26px|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580177358214{padding-top: 40px !important;padding-bottom: 10px !important;background-color: #e13454 !important;}\"][vc_custom_heading text=\"</p>\n<div class=``custom-size``>\n<strong>You help make a difference</strong><br />\nIn 2007, our members decided we should give at least 1% of pre-tax profits to local causes. Today, we\'re still doing just that – with a focus on tackling the housing crisis so everyone has a place to call home. Our Community grants programme means housing organisations and charities can apply for grants of up to $50,000 to help make a change.</p>\n<p><strong>We\'re on the high street</strong><br />\nWe\'re committed to giving our members the best possible experience. We know that, no matter how good technology gets, there\'ll be times when you\'d rather deal with us in person.</p>\n<p><strong>You can help us support our charity partners</strong><br />\nJoin in with your branch’s initiatives supporting local charities and SVBLA’s charity partners – Macmillan Cancer Support and Shelter. Just pop in to find out more.</div>\n<p>\" font_container=\"tag:h2|font_size:18px|text_align:left|color:%23000000\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580080583421{padding-top: 20px !important;padding-bottom: 30px !important;}\"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=\"1/4\" css=\".vc_custom_1579197900706{border-left-width: 2px !important;border-left-color: #e8e8e8 !important;border-left-style: solid !important;}\"][vc_empty_space height=\"40px\"][vc_single_image image=\"3747\" img_size=\"250x250\" alignment=\"center\" css_animation=\"none\"][vc_empty_space height=\"20px\"][vc_empty_space height=\"15px\"][/vc_column][/vc_row][vc_row 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10:32:10','2020-01-28 10:32:10','',2889,'http://dev.svbla.com/2020/01/28/2889-revision-v1/',0,'revision','',0),(3852,2,'2020-01-28 10:44:07','2020-01-28 10:44:07','<p>[vc_row content_placement=\"middle\"][vc_column width=\"3/4\"][vc_custom_heading text=\"HOW DO I BECOME A MEMBER?\" font_container=\"tag:h2|text_align:left|color:%230473aa\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\"][vc_custom_heading text=\"</p>\n<ul>\n<li>A person shall be deemed to be a Full Member upon the purchase of a minimum of 100 shares.</li>\n<li>Full membership allows full access to the products and services offered by the Association, subject to the satisfaction of the specific requirements established for those products and services.</li>\n<li>Persons with 25 shares qualify for Associate Membership, with limited access to products and services.</li>\n<p>\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\"][/vc_column][vc_column width=\"1/4\"][/vc_column][/vc_row][vc_row][vc_column][vc_empty_space][/vc_column][/vc_row]</p>\n','FAQS','','inherit','closed','closed','','2464-revision-v1','','','2020-01-28 10:44:07','2020-01-28 10:44:07','',2464,'http://dev.svbla.com/2020/01/28/2464-revision-v1/',0,'revision','',0),(3851,2,'2020-01-28 10:42:42','2020-01-28 10:42:42','<p>[vc_row content_placement=\"middle\"][vc_column width=\"3/4\"][vc_custom_heading text=\"HOW DO I BECOME A MEMBER?\" font_container=\"tag:h2|text_align:left|color:%230473aa\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\"][vc_custom_heading text=\"</p>\n<ul>\n<li>A person shall be deemed to be a Full Member upon the purchase of a minimum of 100 shares.</li>\n<li>Full membership allows full access to the products and services offered by the Association, subject to the satisfaction of the specific requirements established for those products and services.</li>\n<li>Persons with 25 shares qualify for Associate Membership, with limited access to products and services.</li>\n<p>\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\"][vc_toggle title=\"HOW DO I Become a Member?\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" use_custom_heading=\"true\"]</p>\n<ul>\n<li>A person shall be deemed to be a Full Member upon the purchase of a minimum of 100 shares.</li>\n<li>Full membership allows full access to the products and services offered by the Association, subject to the satisfaction of the specific requirements established for those products and services.</li>\n<li>Persons with 25 shares qualify for Associate Membership, with limited access to products and services.</li>\n</ul>\n<p>[/vc_toggle][/vc_column][vc_column width=\"1/4\"][/vc_column][/vc_row][vc_row][vc_column][vc_empty_space][/vc_column][/vc_row]</p>\n','FAQS','','inherit','closed','closed','','2464-revision-v1','','','2020-01-28 10:42:42','2020-01-28 10:42:42','',2464,'http://dev.svbla.com/2020/01/28/2464-revision-v1/',0,'revision','',0),(3888,2,'2020-01-29 01:06:26','2020-01-29 01:06:26','<p>[vc_row full_width=\"stretch_row_content\" equal_height=\"yes\" content_placement=\"top\" css=\".vc_custom_1580229957118{border-bottom-width: 2px !important;border-bottom-color: #e8e8e8 !important;border-bottom-style: solid !important;}\"][vc_column][vc_custom_heading text=\"<span class=``pe-7s-info``></span>Browse all our Popular Support Topics\" font_container=\"tag:h2|font_size:34px|text_align:center\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" css=\".vc_custom_1580254368563{background-color: #ffdddd !important;}\"][vc_empty_space][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"<span class=``pe-7s-info``></span>Getting Started\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ba0031\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" css=\".vc_custom_1580229984817{margin-bottom: 20px !important;}\"][su_expand more_text=\"Show more Savings questions\" less_text=\"Show less\" height=\"300\" hide_less=\"no\" text_color=\"#333333\" link_color=\"#15549a\" link_style=\"underlined\" link_align=\"center\" more_icon=\"icon: chevron-down\" less_icon=\"icon: chevron-up\" class=\"\"][su_spoiler title=\"Question\" style=\"fancy\" icon=\"chevron\" class=\"vc_custom_heading\"]Hidden text[/su_spoiler]<br />\n[su_spoiler title=\"Question\" style=\"fancy\" icon=\"chevron\" class=\"vc_custom_heading\"]Hidden text[/su_spoiler]<br />\n[su_spoiler title=\"Question\" style=\"fancy\" icon=\"chevron\" class=\"vc_custom_heading\"]Hidden text[/su_spoiler]<br />\n[su_spoiler title=\"Question\" style=\"fancy\" icon=\"chevron\" class=\"vc_custom_heading\"]Hidden text[/su_spoiler]<br />\n[su_spoiler title=\"Question\" style=\"fancy\" icon=\"chevron\" class=\"vc_custom_heading\"]Hidden text[/su_spoiler][/su_expand][su_expand more_text=\"Show more Savings questions\" less_text=\"Show less\" height=\"300\" hide_less=\"no\" text_color=\"#333333\" link_color=\"#15549a\" link_style=\"underlined\" link_align=\"center\" more_icon=\"icon: chevron-down\" less_icon=\"icon: chevron-up\" class=\"\"][su_spoiler title=\"Question\" style=\"fancy\" icon=\"chevron\" class=\"vc_custom_heading\"]Hidden text[/su_spoiler]<br />\n[su_spoiler title=\"Question\" style=\"fancy\" icon=\"chevron\" class=\"vc_custom_heading\"]Hidden text[/su_spoiler]<br />\n[su_spoiler title=\"Question\" style=\"fancy\" icon=\"chevron\" class=\"vc_custom_heading\"]Hidden text[/su_spoiler]<br />\n[su_spoiler title=\"Question\" style=\"fancy\" icon=\"chevron\" class=\"vc_custom_heading\"]Hidden text[/su_spoiler]<br />\n[su_spoiler title=\"Question\" style=\"fancy\" icon=\"chevron\" class=\"vc_custom_heading\"]Hidden text[/su_spoiler][/su_expand][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"<span class=``pe-7s-info``></span>Accounts\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ba0031\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" css=\".vc_custom_1580229995748{margin-bottom: 20px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"<span class=``pe-7s-info``></span>Savings\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ba0031\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" css=\".vc_custom_1580230006902{margin-bottom: 20px !important;}\"][su_expand more_text=\"Show more Savings questions\" less_text=\"Show less\" height=\"300\" hide_less=\"no\" text_color=\"#333333\" link_color=\"#15549a\" link_style=\"underlined\" link_align=\"center\" more_icon=\"icon: chevron-down\" less_icon=\"icon: chevron-up\" class=\"\"][su_spoiler 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!important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"<span class=``pe-7s-info``></span>Mortgages\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ba0031\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"<span class=``pe-7s-info``></span>Insurance\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ba0031\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\"][/vc_column_inner][/vc_row_inner][vc_empty_space][/vc_column][vc_column][/vc_column][/vc_row]</p>\n','FAQS','','inherit','closed','closed','','2464-revision-v1','','','2020-01-29 01:06:26','2020-01-29 01:06:26','',2464,'http://dev.svbla.com/2020/01/29/2464-revision-v1/',0,'revision','',0),(3880,2,'2020-01-28 18:59:11','2020-01-28 18:59:11','<p>[vc_row full_width=\"stretch_row_content\" equal_height=\"yes\" content_placement=\"top\" css=\".vc_custom_1580229957118{border-bottom-width: 2px !important;border-bottom-color: #e8e8e8 !important;border-bottom-style: solid !important;}\"][vc_column][vc_custom_heading text=\"<span class=``pe-7s-info``></span>BROWSE ALL OUR POPULAR SUPPORT TOPICS\" font_container=\"tag:h2|font_size:34px|text_align:center\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" css=\".vc_custom_1580237945841{background-color: #ffdddd !important;}\"][vc_empty_space][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"<span class=``pe-7s-info``></span>Getting Started\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ba0031\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" css=\".vc_custom_1580229984817{margin-bottom: 20px !important;}\"][vc_column_text][su_expand more_text=\"View more\" height=\"200\" link_color=\"#15549a\" link_style=\"underlined\" link_align=\"center\" more_icon=\"icon: chevron-down\" less_icon=\"icon: chevron-up\"]</p>\n<p>[su_spoiler title=\"Question\" style=\"fancy\" icon=\"chevron\" class=\"vc_custom_heading\"]Hidden text[/su_spoiler]<br />\n[su_spoiler title=\"Question\" style=\"fancy\" icon=\"chevron\" class=\"vc_custom_heading\"]Hidden text[/su_spoiler]<br />\n[su_spoiler title=\"Question\" style=\"fancy\" icon=\"chevron\" class=\"vc_custom_heading\"]Hidden text[/su_spoiler]<br />\n[su_spoiler title=\"Question\" style=\"fancy\" icon=\"chevron\" class=\"vc_custom_heading\"]Hidden text[/su_spoiler]<br />\n[su_spoiler title=\"Question\" style=\"fancy\" icon=\"chevron\" class=\"vc_custom_heading\"]Hidden text[/su_spoiler]<br />\n[su_spoiler title=\"Question\" style=\"fancy\" icon=\"chevron\" class=\"vc_custom_heading\"]Hidden text[/su_spoiler]<br />\n[su_spoiler title=\"Question\" style=\"fancy\" icon=\"chevron\" class=\"vc_custom_heading\"]Hidden text[/su_spoiler]<br />\n[su_spoiler title=\"Question\" style=\"fancy\" icon=\"chevron\" class=\"vc_custom_heading\"]Hidden text[/su_spoiler]<br />\n[/su_expand][/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"<span class=``pe-7s-info``></span>Accounts\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ba0031\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" css=\".vc_custom_1580229995748{margin-bottom: 20px !important;}\"][vc_toggle title=\"Question?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<h2 class=\"vc_custom_heading\" style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\">Answer</h2>\n<p>[/vc_toggle][vc_toggle title=\"Question?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<h2 class=\"vc_custom_heading\" style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\">Answer</h2>\n<p>[/vc_toggle][vc_toggle title=\"Question?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<h2 class=\"vc_custom_heading\" style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\">Answer</h2>\n<p>[/vc_toggle][vc_toggle title=\"Question?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<h2 class=\"vc_custom_heading\" style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\">Answer</h2>\n<p>[/vc_toggle][vc_toggle title=\"Question?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<h2 class=\"vc_custom_heading\" style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\">Answer</h2>\n<p>[/vc_toggle][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"<span class=``pe-7s-info``></span>Savings\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ba0031\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" css=\".vc_custom_1580230006902{margin-bottom: 20px !important;}\"][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"<span class=``pe-7s-info``></span>Loans\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ba0031\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" css=\".vc_custom_1580230043719{margin-bottom: 20px !important;}\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"<span class=``pe-7s-info``></span>Mortgages\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ba0031\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"<span class=``pe-7s-info``></span>Insurance\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ba0031\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\"][/vc_column_inner][/vc_row_inner][vc_empty_space][/vc_column][vc_column][/vc_column][/vc_row]</p>\n','FAQS','','inherit','closed','closed','','2464-revision-v1','','','2020-01-28 18:59:11','2020-01-28 18:59:11','',2464,'http://dev.svbla.com/2020/01/28/2464-revision-v1/',0,'revision','',0),(3857,2,'2020-01-28 15:41:21','2020-01-28 15:41:21','<p>[vc_row equal_height=\"yes\" content_placement=\"top\" css=\".vc_custom_1579149649615{border-bottom-width: 2px !important;border-bottom-color: #e8e8e8 !important;border-bottom-style: solid !important;}\"][vc_column][vc_custom_heading text=\"<span class=``pe-7s-info``></span>BROWSE ALL OUR POPULAR SUPPORT TOPICS\" font_container=\"tag:h2|font_size:34px|text_align:left|color:%231111111\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" css=\".vc_custom_1580226069336{background-color: #ffdddd !important;}\"][vc_row_inner][vc_column_inner width=\"1/3\"][/vc_column_inner][vc_column_inner width=\"1/3\"][/vc_column_inner][vc_column_inner width=\"1/3\"][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner width=\"1/3\"][/vc_column_inner][vc_column_inner width=\"1/3\"][/vc_column_inner][vc_column_inner width=\"1/3\"][/vc_column_inner][/vc_row_inner][vc_empty_space][vc_toggle title=\"What is FATCA?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">FATCA stands for the Foreign Account Tax Compliance Act. It refers to provisions included in the Hiring Incentives to Restore Employment Act that was signed into law by the United States (US) Congress on March 18, 2010 and which was effective June 30, 2014. It adds a new chapter to the US Internal Revenue Code (chapter 4) which is aimed at addressing perceived tax abuse by US persons using accounts outside of the US.</div>\n<p>[/vc_toggle][vc_toggle title=\"Who is a US person?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">\n<p>The term “US person” includes, but is not limited to:</p>\n<ul>\n<li>a US citizen (including dual citizens) even if residing outside of the US;</li>\n<li>a US passport holder;</li>\n<li>a person born in the US unless citizenship has been renounced;</li>\n<li>a US resident alien for tax purposes (green card holders);</li>\n<li>entities (partnerships, corporations, trusts, etc.) where one or more United States persons have control or over 10% shareholding.</li>\n</ul>\n</div>\n<p>[/vc_toggle][vc_toggle title=\"What is a Foreign Financial Institution (FFI)?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">\nForeign Financial Institutions (FFIs) are institutions that:</p>\n<ul>\n<li>accept deposits as a regular business function;</li>\n<li>holds financial assets for the account of others as a substantial portion of its business;</li>\n<li>are engaged in the business of investing;</li>\n<li>are involved in reinvesting, or trading in securities, partnership interests, commodities, or any interest in such securities, partnership interests, or commodities.</li>\n</ul>\n</div>\n<p>[/vc_toggle][vc_toggle title=\"Is FATCA applicable to individuals or business customers?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">Both. FATCA is applicable to both individuals and business customers.</div>\n<p>[/vc_toggle][vc_toggle title=\"How will FATCA work?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">FFIs will be required to register with the US Internal Revenue Service (IRS) and will be assigned a Global Intermediary Identification Number (GIIN). FFIs will be required to submit information on persons with US indicia who hold accounts with them or own over 10 per cent (10%) of an entity that has an account with the FFI, above a stipulated threshold. It is important to note that this will vary for individuals and companies.</div>\n<p>[/vc_toggle][vc_toggle title=\"How will FATCA impact our customers?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">All customers will be subject to an electronic perusal of their account information. This perusal seeks to determine which accounts have US indicia. US “indicia” include: whether a customer has US citizenship or permanent residency. It also includes the use of US address; Post Office Boxes and US telephone numbers. If these basic levels of indicia are identified, customers will be required to disclose their legal name, address, and US Tax Information Number (TIN). This information, as well as the account number, the account balance; and the gross receipts and gross withdrawals or payments from the account will be sent to the IRS. FATCA is unlikely to impact the vast majority of customers.</div>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\"><strong>Impact on Existing Customers</strong><br />\nCustomers holding accounts which predate the implementation date will be required to update their account information and as per regulations if the account exhibits US indicia, the customer may be asked to provide additional information as a US person or to prove that they are not a US person.</div>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\"><strong>Impact on New Customers</strong><br />\nChanges in onboarding procedures will impact new customers as additional information may be requested from new applicants to determine whether they are US persons.</div>\n<p>[/vc_toggle][vc_toggle title=\"What are the consequences to customers for not disclosing the information required by FATCA?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">Customers who do not disclose the requisite information to an FFI will have their accounts flagged as non-compliant. The FFI will be required to eventually close the account if the information is not received within a specified period of time. Until the closure of the account, a 30% levy will be applied to any payment of interest, rents, royalties, salaries, wages, annuities, licensing fees, income, and profits derived from sources within the US.</div>\n<p>[/vc_toggle][vc_toggle title=\"When is the commencement date for FATCA?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">The implementation of FATCA was commenced on July 1, 2014.</div>\n<p>[/vc_toggle][vc_toggle title=\"I have a U.S. Dollar Account; will this be reported?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">The currency of the account does not determine whether the information is reported. FATCA requires information to be reported on accounts held by U.S. Persons who meet one or more of the criteria identified in question No. 2 and with balances above the reporting threshold regardless of account currency.</div>\n<p>[/vc_toggle][vc_toggle title=\"I qualify as a U.S. Person how will FATCA apply to me?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">If you qualify as a U.S. Person based on the information outlined in question No.2, you may be required to submit further information to your Financial Institution. Customers are also advised to seek further advice from a tax professional.</div>\n<p>[/vc_toggle][vc_toggle title=\"Do FATCA regulations apply to joint accounts?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">If one of the account holders qualifies as a U.S person, and the account balance is above the reporting threshold, FATCA requirements are that the account should be reported. Customers are also advised to seek further advice from a tax professional.</div>\n<p>[/vc_toggle][vc_toggle title=\"Can my financial institution provide tax related advice?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">Your financial institution can only provide general FATCA information, however customers are advised to see tax advice from a relevant tax professional.</div>\n<p>[/vc_toggle][vc_toggle title=\"Are all Financial Institutions complying with FATCA?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">Financial institutions across the globe in many jurisdictions have signed agreements to comply and many more intend to sign. There are exceptions however, with some financial institutions opting to adopt a different approach to FATCA.</div>\n<p>[/vc_toggle][vc_toggle title=\"Is customer consent required prior to sharing information?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">Once the financial institution operates in a country that has signed an inter-governmental agreement (IGA) with the US, the laws will be amended to facilitate FATCA reporting by financial institutions. The ECCU has negotiated IGAs for member countries; and there is uniform legislation to facilitate FATCA compliance.</div>\n<p>[/vc_toggle][vc_toggle title=\"Is more detailed information on FATCA available online?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">Yes. For further information on FATCA, please visit: <u><a href=\"http://www.irs.gov/FATCA\">http://www.irs.gov/FATCA</a></u></div>\n<p>[/vc_toggle][/vc_column][/vc_row]</p>\n','FAQS','','inherit','closed','closed','','2464-revision-v1','','','2020-01-28 15:41:21','2020-01-28 15:41:21','',2464,'http://dev.svbla.com/2020/01/28/2464-revision-v1/',0,'revision','',0),(3853,2,'2020-01-28 10:53:48','2020-01-28 10:53:48','<p>[vc_row equal_height=\"yes\" content_placement=\"top\" css=\".vc_custom_1579149649615{border-bottom-width: 2px !important;border-bottom-color: #e8e8e8 !important;border-bottom-style: solid !important;}\"][vc_column][vc_empty_space][vc_custom_heading text=\"The Association is committed to upholding customer confidence and to keeping customer and client information confidential and secured. Our actions as they relate to FATCA will be in strict compliance with the local regulations and legal framework of the countries in which we operate.\" font_container=\"tag:div|font_size:20|text_align:justify\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\"][vc_empty_space][vc_custom_heading text=\"<span class=``pe-7s-info``></span>FREQUENTLY ASKED QUESTIONS\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ffffff\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal\" css=\".vc_custom_1580208822124{margin-left: 10px !important;background-color: #000000 !important;}\"][vc_toggle title=\"What is FATCA?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">FATCA stands for the Foreign Account Tax Compliance Act. It refers to provisions included in the Hiring Incentives to Restore Employment Act that was signed into law by the United States (US) Congress on March 18, 2010 and which was effective June 30, 2014. It adds a new chapter to the US Internal Revenue Code (chapter 4) which is aimed at addressing perceived tax abuse by US persons using accounts outside of the US.</div>\n<p>[/vc_toggle][vc_toggle title=\"Who is a US person?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">\n<p>The term “US person” includes, but is not limited to:</p>\n<ul>\n<li>a US citizen (including dual citizens) even if residing outside of the US;</li>\n<li>a US passport holder;</li>\n<li>a person born in the US unless citizenship has been renounced;</li>\n<li>a US resident alien for tax purposes (green card holders);</li>\n<li>entities (partnerships, corporations, trusts, etc.) where one or more United States persons have control or over 10% shareholding.</li>\n</ul>\n</div>\n<p>[/vc_toggle][vc_toggle title=\"What is a Foreign Financial Institution (FFI)?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">\nForeign Financial Institutions (FFIs) are institutions that:</p>\n<ul>\n<li>accept deposits as a regular business function;</li>\n<li>holds financial assets for the account of others as a substantial portion of its business;</li>\n<li>are engaged in the business of investing;</li>\n<li>are involved in reinvesting, or trading in securities, partnership interests, commodities, or any interest in such securities, partnership interests, or commodities.</li>\n</ul>\n</div>\n<p>[/vc_toggle][vc_toggle title=\"Is FATCA applicable to individuals or business customers?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">Both. FATCA is applicable to both individuals and business customers.</div>\n<p>[/vc_toggle][vc_toggle title=\"How will FATCA work?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">FFIs will be required to register with the US Internal Revenue Service (IRS) and will be assigned a Global Intermediary Identification Number (GIIN). FFIs will be required to submit information on persons with US indicia who hold accounts with them or own over 10 per cent (10%) of an entity that has an account with the FFI, above a stipulated threshold. It is important to note that this will vary for individuals and companies.</div>\n<p>[/vc_toggle][vc_toggle title=\"How will FATCA impact our customers?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">All customers will be subject to an electronic perusal of their account information. This perusal seeks to determine which accounts have US indicia. US “indicia” include: whether a customer has US citizenship or permanent residency. It also includes the use of US address; Post Office Boxes and US telephone numbers. If these basic levels of indicia are identified, customers will be required to disclose their legal name, address, and US Tax Information Number (TIN). This information, as well as the account number, the account balance; and the gross receipts and gross withdrawals or payments from the account will be sent to the IRS. FATCA is unlikely to impact the vast majority of customers.</div>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\"><strong>Impact on Existing Customers</strong><br />\nCustomers holding accounts which predate the implementation date will be required to update their account information and as per regulations if the account exhibits US indicia, the customer may be asked to provide additional information as a US person or to prove that they are not a US person.</div>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\"><strong>Impact on New Customers</strong><br />\nChanges in onboarding procedures will impact new customers as additional information may be requested from new applicants to determine whether they are US persons.</div>\n<p>[/vc_toggle][vc_toggle title=\"What are the consequences to customers for not disclosing the information required by FATCA?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">Customers who do not disclose the requisite information to an FFI will have their accounts flagged as non-compliant. The FFI will be required to eventually close the account if the information is not received within a specified period of time. Until the closure of the account, a 30% levy will be applied to any payment of interest, rents, royalties, salaries, wages, annuities, licensing fees, income, and profits derived from sources within the US.</div>\n<p>[/vc_toggle][vc_toggle title=\"When is the commencement date for FATCA?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">The implementation of FATCA was commenced on July 1, 2014.</div>\n<p>[/vc_toggle][vc_toggle title=\"I have a U.S. Dollar Account; will this be reported?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">The currency of the account does not determine whether the information is reported. FATCA requires information to be reported on accounts held by U.S. Persons who meet one or more of the criteria identified in question No. 2 and with balances above the reporting threshold regardless of account currency.</div>\n<p>[/vc_toggle][vc_toggle title=\"I qualify as a U.S. Person how will FATCA apply to me?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">If you qualify as a U.S. Person based on the information outlined in question No.2, you may be required to submit further information to your Financial Institution. Customers are also advised to seek further advice from a tax professional.</div>\n<p>[/vc_toggle][vc_toggle title=\"Do FATCA regulations apply to joint accounts?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">If one of the account holders qualifies as a U.S person, and the account balance is above the reporting threshold, FATCA requirements are that the account should be reported. Customers are also advised to seek further advice from a tax professional.</div>\n<p>[/vc_toggle][vc_toggle title=\"Can my financial institution provide tax related advice?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">Your financial institution can only provide general FATCA information, however customers are advised to see tax advice from a relevant tax professional.</div>\n<p>[/vc_toggle][vc_toggle title=\"Are all Financial Institutions complying with FATCA?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">Financial institutions across the globe in many jurisdictions have signed agreements to comply and many more intend to sign. There are exceptions however, with some financial institutions opting to adopt a different approach to FATCA.</div>\n<p>[/vc_toggle][vc_toggle title=\"Is customer consent required prior to sharing information?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">Once the financial institution operates in a country that has signed an inter-governmental agreement (IGA) with the US, the laws will be amended to facilitate FATCA reporting by financial institutions. The ECCU has negotiated IGAs for member countries; and there is uniform legislation to facilitate FATCA compliance.</div>\n<p>[/vc_toggle][vc_toggle title=\"Is more detailed information on FATCA available online?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">Yes. For further information on FATCA, please visit: <u><a href=\"http://www.irs.gov/FATCA\">http://www.irs.gov/FATCA</a></u></div>\n<p>[/vc_toggle][/vc_column][/vc_row]</p>\n','FAQS','','inherit','closed','closed','','2464-revision-v1','','','2020-01-28 10:53:48','2020-01-28 10:53:48','',2464,'http://dev.svbla.com/2020/01/28/2464-revision-v1/',0,'revision','',0),(3854,2,'2020-01-28 14:15:02','2020-01-28 14:15:02','','[ID: 8011b144p7]','','publish','closed','closed','','no-title','','','2020-01-28 14:15:02','2020-01-28 14:15:02','',0,'http://dev.svbla.com/pt_view/no-title/',0,'pt_view','',0),(3855,2,'2020-01-28 15:25:39','0000-00-00 00:00:00','','Auto Draft','','auto-draft','closed','closed','','','','','2020-01-28 15:25:39','0000-00-00 00:00:00','',0,'http://dev.svbla.com/?post_type=bg_block&p=3855',0,'bg_block','',0),(3860,2,'2020-01-28 16:10:23','2020-01-28 16:10:23','<p>[vc_row bg_type=\"bg_color\"][vc_column width=\"3/4\"][ess_grid][vc_empty_space][thememove_newsupdate type=\"2\" num=\"10\" el_class=\"attachment-tm-finance-post-thumb size-tm-finance-post-thumb wp-post-image\"][/vc_column][vc_column width=\"1/4\"][vc_empty_space][vc_empty_space][vc_widget_sidebar sidebar_id=\"boldgrid-editor-sidebar\"][/vc_column][/vc_row]</p>\n','News & Events','','inherit','closed','closed','','2481-revision-v1','','','2020-01-28 16:10:23','2020-01-28 16:10:23','',2481,'http://dev.svbla.com/2020/01/28/2481-revision-v1/',0,'revision','',0),(3856,2,'2020-01-28 15:29:04','2020-01-28 15:29:04','<p>[vc_row bg_type=\"bg_color\"][vc_column width=\"3/4\"][ess_grid][vc_empty_space][thememove_newsupdate type=\"2\" num=\"10\" el_class=\"attachment-tm-finance-post-thumb size-tm-finance-post-thumb wp-post-image\"][vc_column_text][pt_view id=\"8011b144p7\"][/vc_column_text][/vc_column][vc_column width=\"1/4\"][vc_empty_space][vc_empty_space][vc_widget_sidebar sidebar_id=\"boldgrid-editor-sidebar\"][/vc_column][/vc_row]</p>\n','News & Events','','inherit','closed','closed','','2481-revision-v1','','','2020-01-28 15:29:04','2020-01-28 15:29:04','',2481,'http://dev.svbla.com/2020/01/28/2481-revision-v1/',0,'revision','',0),(3859,2,'2020-01-28 16:08:05','2020-01-28 16:08:05','<p>[vc_row equal_height=\"yes\" content_placement=\"top\" css=\".vc_custom_1579149649615{border-bottom-width: 2px !important;border-bottom-color: #e8e8e8 !important;border-bottom-style: solid !important;}\"][vc_column][vc_custom_heading text=\"<span class=``pe-7s-info``></span>BROWSE ALL OUR POPULAR SUPPORT TOPICS\" font_container=\"tag:h2|font_size:34px|text_align:left|color:%231111111\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" css=\".vc_custom_1580226069336{background-color: #ffdddd !important;}\"][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"<span class=``pe-7s-info``></span>Getting Started\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ba0031\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"<span class=``pe-7s-info``></span>Accounts\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ba0031\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"<span class=``pe-7s-info``></span>Savings\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ba0031\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\"][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"<span class=``pe-7s-info``></span>Loans\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ba0031\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"<span class=``pe-7s-info``></span>Mortgages\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ba0031\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"<span class=``pe-7s-info``></span>Insurance\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ba0031\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\"][/vc_column_inner][/vc_row_inner][vc_empty_space][vc_toggle title=\"What is FATCA?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">FATCA stands for the Foreign Account Tax Compliance Act. It refers to provisions included in the Hiring Incentives to Restore Employment Act that was signed into law by the United States (US) Congress on March 18, 2010 and which was effective June 30, 2014. It adds a new chapter to the US Internal Revenue Code (chapter 4) which is aimed at addressing perceived tax abuse by US persons using accounts outside of the US.</div>\n<p>[/vc_toggle][vc_toggle title=\"Who is a US person?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">\n<p>The term “US person” includes, but is not limited to:</p>\n<ul>\n<li>a US citizen (including dual citizens) even if residing outside of the US;</li>\n<li>a US passport holder;</li>\n<li>a person born in the US unless citizenship has been renounced;</li>\n<li>a US resident alien for tax purposes (green card holders);</li>\n<li>entities (partnerships, corporations, trusts, etc.) where one or more United States persons have control or over 10% shareholding.</li>\n</ul>\n</div>\n<p>[/vc_toggle][vc_toggle title=\"What is a Foreign Financial Institution (FFI)?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">\nForeign Financial Institutions (FFIs) are institutions that:</p>\n<ul>\n<li>accept deposits as a regular business function;</li>\n<li>holds financial assets for the account of others as a substantial portion of its business;</li>\n<li>are engaged in the business of investing;</li>\n<li>are involved in reinvesting, or trading in securities, partnership interests, commodities, or any interest in such securities, partnership interests, or commodities.</li>\n</ul>\n</div>\n<p>[/vc_toggle][vc_toggle title=\"Is FATCA applicable to individuals or business customers?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">Both. FATCA is applicable to both individuals and business customers.</div>\n<p>[/vc_toggle][vc_toggle title=\"How will FATCA work?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">FFIs will be required to register with the US Internal Revenue Service (IRS) and will be assigned a Global Intermediary Identification Number (GIIN). FFIs will be required to submit information on persons with US indicia who hold accounts with them or own over 10 per cent (10%) of an entity that has an account with the FFI, above a stipulated threshold. It is important to note that this will vary for individuals and companies.</div>\n<p>[/vc_toggle][vc_toggle title=\"How will FATCA impact our customers?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">All customers will be subject to an electronic perusal of their account information. This perusal seeks to determine which accounts have US indicia. US “indicia” include: whether a customer has US citizenship or permanent residency. It also includes the use of US address; Post Office Boxes and US telephone numbers. If these basic levels of indicia are identified, customers will be required to disclose their legal name, address, and US Tax Information Number (TIN). This information, as well as the account number, the account balance; and the gross receipts and gross withdrawals or payments from the account will be sent to the IRS. FATCA is unlikely to impact the vast majority of customers.</div>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\"><strong>Impact on Existing Customers</strong><br />\nCustomers holding accounts which predate the implementation date will be required to update their account information and as per regulations if the account exhibits US indicia, the customer may be asked to provide additional information as a US person or to prove that they are not a US person.</div>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\"><strong>Impact on New Customers</strong><br />\nChanges in onboarding procedures will impact new customers as additional information may be requested from new applicants to determine whether they are US persons.</div>\n<p>[/vc_toggle][vc_toggle title=\"What are the consequences to customers for not disclosing the information required by FATCA?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">Customers who do not disclose the requisite information to an FFI will have their accounts flagged as non-compliant. The FFI will be required to eventually close the account if the information is not received within a specified period of time. Until the closure of the account, a 30% levy will be applied to any payment of interest, rents, royalties, salaries, wages, annuities, licensing fees, income, and profits derived from sources within the US.</div>\n<p>[/vc_toggle][vc_toggle title=\"When is the commencement date for FATCA?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">The implementation of FATCA was commenced on July 1, 2014.</div>\n<p>[/vc_toggle][vc_toggle title=\"I have a U.S. Dollar Account; will this be reported?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">The currency of the account does not determine whether the information is reported. FATCA requires information to be reported on accounts held by U.S. Persons who meet one or more of the criteria identified in question No. 2 and with balances above the reporting threshold regardless of account currency.</div>\n<p>[/vc_toggle][vc_toggle title=\"I qualify as a U.S. Person how will FATCA apply to me?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">If you qualify as a U.S. Person based on the information outlined in question No.2, you may be required to submit further information to your Financial Institution. Customers are also advised to seek further advice from a tax professional.</div>\n<p>[/vc_toggle][vc_toggle title=\"Do FATCA regulations apply to joint accounts?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">If one of the account holders qualifies as a U.S person, and the account balance is above the reporting threshold, FATCA requirements are that the account should be reported. Customers are also advised to seek further advice from a tax professional.</div>\n<p>[/vc_toggle][vc_toggle title=\"Can my financial institution provide tax related advice?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">Your financial institution can only provide general FATCA information, however customers are advised to see tax advice from a relevant tax professional.</div>\n<p>[/vc_toggle][vc_toggle title=\"Are all Financial Institutions complying with FATCA?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">Financial institutions across the globe in many jurisdictions have signed agreements to comply and many more intend to sign. There are exceptions however, with some financial institutions opting to adopt a different approach to FATCA.</div>\n<p>[/vc_toggle][vc_toggle title=\"Is customer consent required prior to sharing information?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">Once the financial institution operates in a country that has signed an inter-governmental agreement (IGA) with the US, the laws will be amended to facilitate FATCA reporting by financial institutions. The ECCU has negotiated IGAs for member countries; and there is uniform legislation to facilitate FATCA compliance.</div>\n<p>[/vc_toggle][vc_toggle title=\"Is more detailed information on FATCA available online?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">Yes. For further information on FATCA, please visit: <u><a href=\"http://www.irs.gov/FATCA\">http://www.irs.gov/FATCA</a></u></div>\n<p>[/vc_toggle][/vc_column][/vc_row]</p>\n','FAQS','','inherit','closed','closed','','2464-revision-v1','','','2020-01-28 16:08:05','2020-01-28 16:08:05','',2464,'http://dev.svbla.com/2020/01/28/2464-revision-v1/',0,'revision','',0),(3858,2,'2020-01-28 16:06:15','2020-01-28 16:06:15','<p>[vc_row equal_height=\"yes\" content_placement=\"top\" css=\".vc_custom_1579149649615{border-bottom-width: 2px !important;border-bottom-color: #e8e8e8 !important;border-bottom-style: solid !important;}\"][vc_column][vc_custom_heading text=\"<span class=``pe-7s-info``></span>BROWSE ALL OUR POPULAR SUPPORT TOPICS\" font_container=\"tag:h2|font_size:34px|text_align:left|color:%231111111\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" css=\".vc_custom_1580226069336{background-color: #ffdddd !important;}\"][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"<span class=``pe-7s-info``></span>Getting Started\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ba0031\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\"][vc_column_text][su_expand hide_less=\"yes\" link_color=\"#15549a\" link_style=\"underlined\" link_align=\"right\" more_icon=\"icon: chevron-down\"]This text block can be expanded[/su_expand][/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"<span class=``pe-7s-info``></span>Accounts\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ba0031\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"<span class=``pe-7s-info``></span>Savings\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ba0031\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\"][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"<span class=``pe-7s-info``></span>Loans\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ba0031\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"<span class=``pe-7s-info``></span>Mortgages\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ba0031\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"<span class=``pe-7s-info``></span>Insurance\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ba0031\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\"][/vc_column_inner][/vc_row_inner][vc_empty_space][vc_toggle title=\"What is FATCA?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">FATCA stands for the Foreign Account Tax Compliance Act. It refers to provisions included in the Hiring Incentives to Restore Employment Act that was signed into law by the United States (US) Congress on March 18, 2010 and which was effective June 30, 2014. It adds a new chapter to the US Internal Revenue Code (chapter 4) which is aimed at addressing perceived tax abuse by US persons using accounts outside of the US.</div>\n<p>[/vc_toggle][vc_toggle title=\"Who is a US person?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">\n<p>The term “US person” includes, but is not limited to:</p>\n<ul>\n<li>a US citizen (including dual citizens) even if residing outside of the US;</li>\n<li>a US passport holder;</li>\n<li>a person born in the US unless citizenship has been renounced;</li>\n<li>a US resident alien for tax purposes (green card holders);</li>\n<li>entities (partnerships, corporations, trusts, etc.) where one or more United States persons have control or over 10% shareholding.</li>\n</ul>\n</div>\n<p>[/vc_toggle][vc_toggle title=\"What is a Foreign Financial Institution (FFI)?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">\nForeign Financial Institutions (FFIs) are institutions that:</p>\n<ul>\n<li>accept deposits as a regular business function;</li>\n<li>holds financial assets for the account of others as a substantial portion of its business;</li>\n<li>are engaged in the business of investing;</li>\n<li>are involved in reinvesting, or trading in securities, partnership interests, commodities, or any interest in such securities, partnership interests, or commodities.</li>\n</ul>\n</div>\n<p>[/vc_toggle][vc_toggle title=\"Is FATCA applicable to individuals or business customers?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">Both. FATCA is applicable to both individuals and business customers.</div>\n<p>[/vc_toggle][vc_toggle title=\"How will FATCA work?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">FFIs will be required to register with the US Internal Revenue Service (IRS) and will be assigned a Global Intermediary Identification Number (GIIN). FFIs will be required to submit information on persons with US indicia who hold accounts with them or own over 10 per cent (10%) of an entity that has an account with the FFI, above a stipulated threshold. It is important to note that this will vary for individuals and companies.</div>\n<p>[/vc_toggle][vc_toggle title=\"How will FATCA impact our customers?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">All customers will be subject to an electronic perusal of their account information. This perusal seeks to determine which accounts have US indicia. US “indicia” include: whether a customer has US citizenship or permanent residency. It also includes the use of US address; Post Office Boxes and US telephone numbers. If these basic levels of indicia are identified, customers will be required to disclose their legal name, address, and US Tax Information Number (TIN). This information, as well as the account number, the account balance; and the gross receipts and gross withdrawals or payments from the account will be sent to the IRS. FATCA is unlikely to impact the vast majority of customers.</div>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\"><strong>Impact on Existing Customers</strong><br />\nCustomers holding accounts which predate the implementation date will be required to update their account information and as per regulations if the account exhibits US indicia, the customer may be asked to provide additional information as a US person or to prove that they are not a US person.</div>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\"><strong>Impact on New Customers</strong><br />\nChanges in onboarding procedures will impact new customers as additional information may be requested from new applicants to determine whether they are US persons.</div>\n<p>[/vc_toggle][vc_toggle title=\"What are the consequences to customers for not disclosing the information required by FATCA?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">Customers who do not disclose the requisite information to an FFI will have their accounts flagged as non-compliant. The FFI will be required to eventually close the account if the information is not received within a specified period of time. Until the closure of the account, a 30% levy will be applied to any payment of interest, rents, royalties, salaries, wages, annuities, licensing fees, income, and profits derived from sources within the US.</div>\n<p>[/vc_toggle][vc_toggle title=\"When is the commencement date for FATCA?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">The implementation of FATCA was commenced on July 1, 2014.</div>\n<p>[/vc_toggle][vc_toggle title=\"I have a U.S. Dollar Account; will this be reported?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">The currency of the account does not determine whether the information is reported. FATCA requires information to be reported on accounts held by U.S. Persons who meet one or more of the criteria identified in question No. 2 and with balances above the reporting threshold regardless of account currency.</div>\n<p>[/vc_toggle][vc_toggle title=\"I qualify as a U.S. Person how will FATCA apply to me?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">If you qualify as a U.S. Person based on the information outlined in question No.2, you may be required to submit further information to your Financial Institution. Customers are also advised to seek further advice from a tax professional.</div>\n<p>[/vc_toggle][vc_toggle title=\"Do FATCA regulations apply to joint accounts?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">If one of the account holders qualifies as a U.S person, and the account balance is above the reporting threshold, FATCA requirements are that the account should be reported. Customers are also advised to seek further advice from a tax professional.</div>\n<p>[/vc_toggle][vc_toggle title=\"Can my financial institution provide tax related advice?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">Your financial institution can only provide general FATCA information, however customers are advised to see tax advice from a relevant tax professional.</div>\n<p>[/vc_toggle][vc_toggle title=\"Are all Financial Institutions complying with FATCA?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">Financial institutions across the globe in many jurisdictions have signed agreements to comply and many more intend to sign. There are exceptions however, with some financial institutions opting to adopt a different approach to FATCA.</div>\n<p>[/vc_toggle][vc_toggle title=\"Is customer consent required prior to sharing information?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">Once the financial institution operates in a country that has signed an inter-governmental agreement (IGA) with the US, the laws will be amended to facilitate FATCA reporting by financial institutions. The ECCU has negotiated IGAs for member countries; and there is uniform legislation to facilitate FATCA compliance.</div>\n<p>[/vc_toggle][vc_toggle title=\"Is more detailed information on FATCA available online?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">Yes. For further information on FATCA, please visit: <u><a href=\"http://www.irs.gov/FATCA\">http://www.irs.gov/FATCA</a></u></div>\n<p>[/vc_toggle][/vc_column][/vc_row]</p>\n','FAQS','','inherit','closed','closed','','2464-revision-v1','','','2020-01-28 16:06:15','2020-01-28 16:06:15','',2464,'http://dev.svbla.com/2020/01/28/2464-revision-v1/',0,'revision','',0),(3861,2,'2020-01-28 16:15:18','2020-01-28 16:15:18','','News and Events Grid 1','','publish','closed','closed','','news-and-events-grid-1','','','2020-01-28 16:15:18','2020-01-28 16:15:18','',0,'http://dev.svbla.com/?post_type=post_grid&#038;p=3861',0,'post_grid','',0),(3862,2,'2020-01-28 16:17:32','2020-01-28 16:17:32','<p>[vc_row equal_height=\"yes\" content_placement=\"top\" css=\".vc_custom_1579149649615{border-bottom-width: 2px !important;border-bottom-color: #e8e8e8 !important;border-bottom-style: solid !important;}\"][vc_column][vc_custom_heading text=\"<span class=``pe-7s-info``></span>BROWSE ALL OUR POPULAR SUPPORT TOPICS\" font_container=\"tag:h2|font_size:34px|text_align:left|color:%231111111\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" css=\".vc_custom_1580226069336{background-color: #ffdddd !important;}\"][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"<span class=``pe-7s-info``></span>Getting Started\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ba0031\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\"][vc_column_text]</p>\n<p>I am text block. Click edit button to change this text. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.</p>\n<p>[/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"<span class=``pe-7s-info``></span>Accounts\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ba0031\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"<span class=``pe-7s-info``></span>Savings\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ba0031\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\"][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"<span class=``pe-7s-info``></span>Loans\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ba0031\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"<span class=``pe-7s-info``></span>Mortgages\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ba0031\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"<span class=``pe-7s-info``></span>Insurance\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ba0031\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\"][/vc_column_inner][/vc_row_inner][vc_empty_space][vc_toggle title=\"What is FATCA?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">FATCA stands for the Foreign Account Tax Compliance Act. It refers to provisions included in the Hiring Incentives to Restore Employment Act that was signed into law by the United States (US) Congress on March 18, 2010 and which was effective June 30, 2014. It adds a new chapter to the US Internal Revenue Code (chapter 4) which is aimed at addressing perceived tax abuse by US persons using accounts outside of the US.</div>\n<p>[/vc_toggle][vc_toggle title=\"Who is a US person?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">\n<p>The term “US person” includes, but is not limited to:</p>\n<ul>\n<li>a US citizen (including dual citizens) even if residing outside of the US;</li>\n<li>a US passport holder;</li>\n<li>a person born in the US unless citizenship has been renounced;</li>\n<li>a US resident alien for tax purposes (green card holders);</li>\n<li>entities (partnerships, corporations, trusts, etc.) where one or more United States persons have control or over 10% shareholding.</li>\n</ul>\n</div>\n<p>[/vc_toggle][vc_toggle title=\"What is a Foreign Financial Institution (FFI)?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">\nForeign Financial Institutions (FFIs) are institutions that:</p>\n<ul>\n<li>accept deposits as a regular business function;</li>\n<li>holds financial assets for the account of others as a substantial portion of its business;</li>\n<li>are engaged in the business of investing;</li>\n<li>are involved in reinvesting, or trading in securities, partnership interests, commodities, or any interest in such securities, partnership interests, or commodities.</li>\n</ul>\n</div>\n<p>[/vc_toggle][vc_toggle title=\"Is FATCA applicable to individuals or business customers?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">Both. FATCA is applicable to both individuals and business customers.</div>\n<p>[/vc_toggle][vc_toggle title=\"How will FATCA work?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">FFIs will be required to register with the US Internal Revenue Service (IRS) and will be assigned a Global Intermediary Identification Number (GIIN). FFIs will be required to submit information on persons with US indicia who hold accounts with them or own over 10 per cent (10%) of an entity that has an account with the FFI, above a stipulated threshold. It is important to note that this will vary for individuals and companies.</div>\n<p>[/vc_toggle][vc_toggle title=\"How will FATCA impact our customers?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">All customers will be subject to an electronic perusal of their account information. This perusal seeks to determine which accounts have US indicia. US “indicia” include: whether a customer has US citizenship or permanent residency. It also includes the use of US address; Post Office Boxes and US telephone numbers. If these basic levels of indicia are identified, customers will be required to disclose their legal name, address, and US Tax Information Number (TIN). This information, as well as the account number, the account balance; and the gross receipts and gross withdrawals or payments from the account will be sent to the IRS. FATCA is unlikely to impact the vast majority of customers.</div>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\"><strong>Impact on Existing Customers</strong><br />\nCustomers holding accounts which predate the implementation date will be required to update their account information and as per regulations if the account exhibits US indicia, the customer may be asked to provide additional information as a US person or to prove that they are not a US person.</div>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\"><strong>Impact on New Customers</strong><br />\nChanges in onboarding procedures will impact new customers as additional information may be requested from new applicants to determine whether they are US persons.</div>\n<p>[/vc_toggle][vc_toggle title=\"What are the consequences to customers for not disclosing the information required by FATCA?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">Customers who do not disclose the requisite information to an FFI will have their accounts flagged as non-compliant. The FFI will be required to eventually close the account if the information is not received within a specified period of time. Until the closure of the account, a 30% levy will be applied to any payment of interest, rents, royalties, salaries, wages, annuities, licensing fees, income, and profits derived from sources within the US.</div>\n<p>[/vc_toggle][vc_toggle title=\"When is the commencement date for FATCA?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">The implementation of FATCA was commenced on July 1, 2014.</div>\n<p>[/vc_toggle][vc_toggle title=\"I have a U.S. Dollar Account; will this be reported?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">The currency of the account does not determine whether the information is reported. FATCA requires information to be reported on accounts held by U.S. Persons who meet one or more of the criteria identified in question No. 2 and with balances above the reporting threshold regardless of account currency.</div>\n<p>[/vc_toggle][vc_toggle title=\"I qualify as a U.S. Person how will FATCA apply to me?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">If you qualify as a U.S. Person based on the information outlined in question No.2, you may be required to submit further information to your Financial Institution. Customers are also advised to seek further advice from a tax professional.</div>\n<p>[/vc_toggle][vc_toggle title=\"Do FATCA regulations apply to joint accounts?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">If one of the account holders qualifies as a U.S person, and the account balance is above the reporting threshold, FATCA requirements are that the account should be reported. Customers are also advised to seek further advice from a tax professional.</div>\n<p>[/vc_toggle][vc_toggle title=\"Can my financial institution provide tax related advice?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">Your financial institution can only provide general FATCA information, however customers are advised to see tax advice from a relevant tax professional.</div>\n<p>[/vc_toggle][vc_toggle title=\"Are all Financial Institutions complying with FATCA?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">Financial institutions across the globe in many jurisdictions have signed agreements to comply and many more intend to sign. There are exceptions however, with some financial institutions opting to adopt a different approach to FATCA.</div>\n<p>[/vc_toggle][vc_toggle title=\"Is customer consent required prior to sharing information?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">Once the financial institution operates in a country that has signed an inter-governmental agreement (IGA) with the US, the laws will be amended to facilitate FATCA reporting by financial institutions. The ECCU has negotiated IGAs for member countries; and there is uniform legislation to facilitate FATCA compliance.</div>\n<p>[/vc_toggle][vc_toggle title=\"Is more detailed information on FATCA available online?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">Yes. For further information on FATCA, please visit: <u><a href=\"http://www.irs.gov/FATCA\">http://www.irs.gov/FATCA</a></u></div>\n<p>[/vc_toggle][/vc_column][/vc_row]</p>\n','FAQS','','inherit','closed','closed','','2464-revision-v1','','','2020-01-28 16:17:32','2020-01-28 16:17:32','',2464,'http://dev.svbla.com/2020/01/28/2464-revision-v1/',0,'revision','',0),(3873,2,'2020-01-28 17:30:33','2020-01-28 17:30:33','<p>[vc_row bg_type=\"bg_color\"][vc_column width=\"3/4\"][ess_grid][vc_empty_space][thememove_newsupdate type=\"2\" num=\"10\" el_class=\"attachment-tm-finance-post-thumb size-tm-finance-post-thumb wp-post-image\"][/vc_column][vc_column width=\"1/4\"][vc_empty_space][vc_empty_space][vc_widget_sidebar sidebar_id=\"boldgrid-editor-sidebar\"][/vc_column][/vc_row]</p>\n','News & Events','','inherit','closed','closed','','2481-revision-v1','','','2020-01-28 17:30:33','2020-01-28 17:30:33','',2481,'http://dev.svbla.com/2020/01/28/2481-revision-v1/',0,'revision','',0),(3863,2,'2020-01-28 16:18:11','2020-01-28 16:18:11','<p>[vc_row bg_type=\"bg_color\"][vc_column width=\"3/4\"][ess_grid][vc_empty_space][thememove_newsupdate type=\"2\" num=\"10\" el_class=\"attachment-tm-finance-post-thumb size-tm-finance-post-thumb wp-post-image\"][vc_column_text][pgaf_post_grid]</p>\n<p>[pgaf_post_filter]<br />\n[/vc_column_text][/vc_column][vc_column width=\"1/4\"][vc_empty_space][vc_empty_space][vc_widget_sidebar sidebar_id=\"boldgrid-editor-sidebar\"][/vc_column][/vc_row]</p>\n','News & Events','','inherit','closed','closed','','2481-revision-v1','','','2020-01-28 16:18:11','2020-01-28 16:18:11','',2481,'http://dev.svbla.com/2020/01/28/2481-revision-v1/',0,'revision','',0),(3864,2,'2020-01-28 16:26:21','2020-01-28 16:26:21','{\n    \"nav_menu_item[2498]\": {\n        \"value\": {\n            \"menu_item_parent\": 0,\n            \"object_id\": 2498,\n            \"object\": 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!important;}\"][vc_column][vc_custom_heading text=\"<span class=``pe-7s-info``></span>BROWSE ALL OUR POPULAR SUPPORT TOPICS\" font_container=\"tag:h2|font_size:34px|text_align:left|color:%231111111\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal\" css=\".vc_custom_1580226069336{background-color: #ffdddd !important;}\"][vc_row_inner equal_height=\"yes\"][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"<span class=``pe-7s-info``></span>Getting Started\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ba0031\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\"][vc_column_text][su_expand more_text=\"View more\" height=\"150\" link_color=\"#15549a\" link_style=\"underlined\" link_align=\"center\" more_icon=\"icon: chevron-down\" less_icon=\"icon: chevron-up\"]</p>\n<p>[su_spoiler title=\"Question\" style=\"fancy\" icon=\"chevron\"]Hidden text[/su_spoiler]</p>\n<p>[/su_expand][/vc_column_text][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"<span class=``pe-7s-info``></span>Accounts\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ba0031\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"<span class=``pe-7s-info``></span>Savings\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ba0031\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\"][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"<span class=``pe-7s-info``></span>Loans\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ba0031\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"<span class=``pe-7s-info``></span>Mortgages\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ba0031\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\"][/vc_column_inner][vc_column_inner width=\"1/3\"][vc_custom_heading text=\"<span class=``pe-7s-info``></span>Insurance\" font_container=\"tag:h2|font_size:24px|text_align:left|color:%23ba0031\" google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\"][/vc_column_inner][/vc_row_inner][vc_empty_space][vc_toggle title=\"What is FATCA?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">FATCA stands for the Foreign Account Tax Compliance Act. It refers to provisions included in the Hiring Incentives to Restore Employment Act that was signed into law by the United States (US) Congress on March 18, 2010 and which was effective June 30, 2014. It adds a new chapter to the US Internal Revenue Code (chapter 4) which is aimed at addressing perceived tax abuse by US persons using accounts outside of the US.</div>\n<p>[/vc_toggle][vc_toggle title=\"Who is a US person?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">\n<p>The term “US person” includes, but is not limited to:</p>\n<ul>\n<li>a US citizen (including dual citizens) even if residing outside of the US;</li>\n<li>a US passport holder;</li>\n<li>a person born in the US unless citizenship has been renounced;</li>\n<li>a US resident alien for tax purposes (green card holders);</li>\n<li>entities (partnerships, corporations, trusts, etc.) where one or more United States persons have control or over 10% shareholding.</li>\n</ul>\n</div>\n<p>[/vc_toggle][vc_toggle title=\"What is a Foreign Financial Institution (FFI)?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">\nForeign Financial Institutions (FFIs) are institutions that:</p>\n<ul>\n<li>accept deposits as a regular business function;</li>\n<li>holds financial assets for the account of others as a substantial portion of its business;</li>\n<li>are engaged in the business of investing;</li>\n<li>are involved in reinvesting, or trading in securities, partnership interests, commodities, or any interest in such securities, partnership interests, or commodities.</li>\n</ul>\n</div>\n<p>[/vc_toggle][vc_toggle title=\"Is FATCA applicable to individuals or business customers?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">Both. FATCA is applicable to both individuals and business customers.</div>\n<p>[/vc_toggle][vc_toggle title=\"How will FATCA work?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">FFIs will be required to register with the US Internal Revenue Service (IRS) and will be assigned a Global Intermediary Identification Number (GIIN). FFIs will be required to submit information on persons with US indicia who hold accounts with them or own over 10 per cent (10%) of an entity that has an account with the FFI, above a stipulated threshold. It is important to note that this will vary for individuals and companies.</div>\n<p>[/vc_toggle][vc_toggle title=\"How will FATCA impact our customers?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">All customers will be subject to an electronic perusal of their account information. This perusal seeks to determine which accounts have US indicia. US “indicia” include: whether a customer has US citizenship or permanent residency. It also includes the use of US address; Post Office Boxes and US telephone numbers. If these basic levels of indicia are identified, customers will be required to disclose their legal name, address, and US Tax Information Number (TIN). This information, as well as the account number, the account balance; and the gross receipts and gross withdrawals or payments from the account will be sent to the IRS. FATCA is unlikely to impact the vast majority of customers.</div>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\"><strong>Impact on Existing Customers</strong><br />\nCustomers holding accounts which predate the implementation date will be required to update their account information and as per regulations if the account exhibits US indicia, the customer may be asked to provide additional information as a US person or to prove that they are not a US person.</div>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\"><strong>Impact on New Customers</strong><br />\nChanges in onboarding procedures will impact new customers as additional information may be requested from new applicants to determine whether they are US persons.</div>\n<p>[/vc_toggle][vc_toggle title=\"What are the consequences to customers for not disclosing the information required by FATCA?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">Customers who do not disclose the requisite information to an FFI will have their accounts flagged as non-compliant. The FFI will be required to eventually close the account if the information is not received within a specified period of time. Until the closure of the account, a 30% levy will be applied to any payment of interest, rents, royalties, salaries, wages, annuities, licensing fees, income, and profits derived from sources within the US.</div>\n<p>[/vc_toggle][vc_toggle title=\"When is the commencement date for FATCA?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">The implementation of FATCA was commenced on July 1, 2014.</div>\n<p>[/vc_toggle][vc_toggle title=\"I have a U.S. Dollar Account; will this be reported?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">The currency of the account does not determine whether the information is reported. FATCA requires information to be reported on accounts held by U.S. Persons who meet one or more of the criteria identified in question No. 2 and with balances above the reporting threshold regardless of account currency.</div>\n<p>[/vc_toggle][vc_toggle title=\"I qualify as a U.S. Person how will FATCA apply to me?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">If you qualify as a U.S. Person based on the information outlined in question No.2, you may be required to submit further information to your Financial Institution. Customers are also advised to seek further advice from a tax professional.</div>\n<p>[/vc_toggle][vc_toggle title=\"Do FATCA regulations apply to joint accounts?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">If one of the account holders qualifies as a U.S person, and the account balance is above the reporting threshold, FATCA requirements are that the account should be reported. Customers are also advised to seek further advice from a tax professional.</div>\n<p>[/vc_toggle][vc_toggle title=\"Can my financial institution provide tax related advice?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">Your financial institution can only provide general FATCA information, however customers are advised to see tax advice from a relevant tax professional.</div>\n<p>[/vc_toggle][vc_toggle title=\"Are all Financial Institutions complying with FATCA?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">Financial institutions across the globe in many jurisdictions have signed agreements to comply and many more intend to sign. There are exceptions however, with some financial institutions opting to adopt a different approach to FATCA.</div>\n<p>[/vc_toggle][vc_toggle title=\"Is customer consent required prior to sharing information?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">Once the financial institution operates in a country that has signed an inter-governmental agreement (IGA) with the US, the laws will be amended to facilitate FATCA reporting by financial institutions. The ECCU has negotiated IGAs for member countries; and there is uniform legislation to facilitate FATCA compliance.</div>\n<p>[/vc_toggle][vc_toggle title=\"Is more detailed information on FATCA available online?\" custom_font_container=\"tag:h2|font_size:22px|text_align:left|color:%23154fa9|line_height:36px\" custom_google_fonts=\"font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal\" use_custom_heading=\"true\"]</p>\n<div style=\"font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;\" class=\"vc_custom_heading\">Yes. For further information on FATCA, please visit: <u><a href=\"http://www.irs.gov/FATCA\">http://www.irs.gov/FATCA</a></u></div>\n<p>[/vc_toggle][/vc_column][/vc_row]</p>\n','FAQS','','inherit','closed','closed','','2464-revision-v1','','','2020-01-28 16:35:27','2020-01-28 16:35:27','',2464,'http://dev.svbla.com/2020/01/28/2464-revision-v1/',0,'revision','',0),