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<p class="">[/vc_column_text][/vc_column][/vc_row][vc_row css=".vc_custom_1453261329922{margin-bottom: 30px !important;}"][vc_column][vc_custom_heading text="Want to know more about <strong>Finance Plus</strong>?" font_container="tag:div|font_size:34|text_align:left|color:%23222222|line_height:1em" use_theme_fonts="yes" tm_letter_spacing="-1px"][vc_custom_heading text="Finance Plus is one of the world’s leading financial consulting firms. We work with clients to help them have a thorough look about their financial situations, make better decisions, get those decisions translated quickly into actions and sustain the momentum into the future.
For over 20 years, we have worked passionately to bring the best services to clients. Our single discipline is putting client needs at the center of everything we do." font_container="tag:div|font_size:16|text_align:left|color:%23444444|line_height:1.8em" use_theme_fonts="yes" tm_letter_spacing="0px" css=".vc_custom_1457690449106{margin-top: 20px !important;}"][/vc_column][/vc_row][vc_row css=".vc_custom_1453261338178{margin-bottom: 70px !important;}"][vc_column][thememove_history type="2" values="%5B%7B%22photo%22%3A%221449%22%2C%22label%22%3A%221992%22%2C%22content%22%3A%22Finance%20Plus%20was%20first%20established%20in%20New%20York%2C%20offering%20financial%20consulting%20services%20in%3A%20Taxation%2C%20Retirement%20Planning%20and%20Estate%20Planning.%22%7D%2C%7B%22photo%22%3A%221450%22%2C%22label%22%3A%222000%22%2C%22content%22%3A%22Finance%20Plus%20expanded%20fields%2C%20helping%20clients%20deal%20with%20variety%20of%20areas%3A%20Accumulation%2C%20Risk%20Management%2C%20Taxation%2C%20Business%20Planning%2C%20Retirement%20Planning%20and%20Estate%20Planning.%20We%20became%20well%20known%20for%20our%20ability%20to%20%20deliver%20feelings%20of%20confidence%20and%20stability%20when%20it%20comes%20to%20finances%2C%20so%20clients%20can%20get%20out%20and%20continue%20to%20enjoy%20life%20without%20worry.%22%7D%2C%7B%22photo%22%3A%221451%22%2C%22label%22%3A%222012%22%2C%22content%22%3A%22Finance%20Plus%20came%20international%20with%2053%20offices%20in%2034%20countries%20around%20the%20world.%20We%20made%20our%20collective%20knowledge%2C%20experience%20and%20global%20network%20available%20to%20our%20clients.%22%7D%2C%7B%22photo%22%3A%221452%22%2C%22label%22%3A%222015%22%2C%22content%22%3A%22Top%2010%20Financial%20Consulting%20Firms%20in%20the%20world.%22%7D%5D"][/vc_column][/vc_row][vc_row full_width="stretch_row" el_class="primary_bgcolor bg-gradient" css=".vc_custom_1458113552398{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 20px !important;padding-bottom: 0px !important;}"][vc_column width="1/3" css=".vc_custom_1458113530416{margin-top: 0px !important;margin-bottom: 20px !important;padding-top: 0px !important;}"][vc_raw_html css=".vc_custom_1456992968592{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}"]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[/vc_raw_html][/vc_column][vc_column width="1/3" css=".vc_custom_1458113539047{margin-top: 0px !important;margin-bottom: 20px !important;padding-top: 0px !important;}"][vc_raw_html css=".vc_custom_1458720010590{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}"]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[/vc_raw_html][/vc_column][vc_column width="1/3" css=".vc_custom_1495095178211{margin-top: 0px !important;margin-bottom: 20px !important;padding-top: 0px !important;}"][vc_raw_html css=".vc_custom_1458719900916{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;}"]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[/vc_raw_html][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]

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</div>[/vc_column_text][/vc_column][/vc_row]";}s:34:"our-services-template-1_1232598847";a:2:{s:4:"name";s:23:"Our Services Template 1";s:8:"template";s:137:"[vc_row css=".vc_custom_1454399976387{margin-bottom: 30px !important;}"][vc_column][ess_grid alias="tm-services-02"][/vc_column][/vc_row]";}s:30:"our-team-template-1_3682256090";a:2:{s:4:"name";s:19:"Our Team Template 1";s:8:"template";s:2869:"[vc_row][vc_column width="1/3" css=".vc_custom_1456195288433{margin-bottom: 30px !important;}"][thememove_ourteam type="2" photo="741" name="Johnny Bone" byline="CEO/Founder" desc="Generates organizational mission ownership by giving employees the power to recommend and assist with developing the needed changes at the user-level to achieve effectiveness." facebook="http://facebook.com#user" twitter="http://twitter.com#user" profile="#" googleplus="http://google.com#user"][/vc_column][vc_column width="1/3" css=".vc_custom_1456195295665{margin-bottom: 30px !important;}"][thememove_ourteam type="2" photo="745" name="Lexa Grinn" byline="Advisor" desc="Lexa is one of the most recognizable financial guides in the country. She takes a great personal interest in what you do, what she does and what she can do for you." facebook="http://facebook.com#user" twitter="http://twitter.com#user" profile="#" googleplus="http://google.com#user"][/vc_column][vc_column width="1/3" css=".vc_custom_1456195300754{margin-bottom: 30px !important;}"][thememove_ourteam type="2" photo="746" name="Clarke Rosie" byline="Advisor" desc="Significant experience and developed expertise working with individuals and households who are in or going into retirement, have gone through significant life transitions." facebook="http://facebook.com#user" twitter="http://twitter.com#user" profile="#" googleplus="http://google.com#user"][/vc_column][/vc_row][vc_row css=".vc_custom_1456196112693{margin-bottom: 30px !important;}"][vc_column width="1/3" css=".vc_custom_1456195288433{margin-bottom: 30px !important;}"][thememove_ourteam type="2" photo="749" name="Joe Jonas" byline="Customer Service" desc="Joe can define outstanding service through service standards and team goals; bring in data and metrics to evaluate service quality." facebook="http://facebook.com#user" twitter="http://twitter.com#user" profile="#" googleplus="http://google.com#user"][/vc_column][vc_column width="1/3" css=".vc_custom_1456195295665{margin-bottom: 30px !important;}"][thememove_ourteam type="2" photo="750" name="Shirley Bennett" byline="Customer Service" desc="Shirley employs excellent listening skills to gain a deep understanding of customer concerns and to provide win-win solutions for the customer." facebook="http://facebook.com#user" twitter="http://twitter.com#user" profile="#" googleplus="http://google.com#user"][/vc_column][vc_column width="1/3" css=".vc_custom_1456195300754{margin-bottom: 30px !important;}"][thememove_ourteam type="2" photo="751" name="Peter Himmelman" byline="Human Resources" desc="For Peter, it's about understanding how the brain works so we can work with, rather than against, it in order to reach our most meaningful goals." facebook="http://facebook.com#user" twitter="http://twitter.com#user" profile="#" googleplus="http://google.com#user"][/vc_column][/vc_row]";}s:29:"service-template-1_1817892843";a:2:{s:4:"name";s:18:"Service Template 1";s:8:"template";s:7315:"[vc_row css=".vc_custom_1571616768578{border-bottom-width: 2px !important;border-bottom-color: #e8e8e8 !important;border-bottom-style: solid !important;}"][vc_column][vc_row_inner][vc_column_inner width="2/3"][vc_custom_heading text="FIXED DEPOSITS" font_container="tag:h2|font_size:34|text_align:left" 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_1571616646565{background-color: #fffac1 !important;}"][vc_custom_heading text="We offer Fixed Deposits at attractive interest rates." font_container="tag:p|font_size:20|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal"][vc_custom_heading text="<ul>
 	<li>Minimum deposit EC$2,000</li>
 	<li>12 Months   3% per annum</li>
 	<li>24 Months   3.25% per annum</li>
 	<li>36 Months   3.50% per annum</li>
</ul>" font_container="tag:div|font_size:20|text_align:left" 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_inner][vc_column_inner width="1/3"][vc_single_image image="2083" img_size="large" alignment="center"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height="yes" content_placement="top" css=".vc_custom_1571617084173{border-bottom-width: 2px !important;border-bottom-color: #e8e8e8 !important;border-bottom-style: solid !important;}"][vc_column width="2/3" css=".vc_custom_1571617353012{border-right-width: 2px !important;border-right-color: #e8e8e8 !important;border-right-style: solid !important;}"][vc_custom_heading text="REGULAR SAVINGS" font_container="tag:h2|font_size:34|text_align:left" 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_1571616657121{margin-top: 0px !important;background-color: #fffac1 !important;}"][vc_custom_heading text="<ul>
 	<li>Minimum opening balance of EC$20</li>
 	<li>Competitive interest rate of 2.75% per annum paid quarterly</li>
 	<li>No monthly charges</li>
 	<li>Free Deposits and Withdrawals</li>
</ul>" font_container="tag:div|font_size:20|text_align:left" 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="20"][vc_custom_heading text="SUPER SAVERS" font_container="tag:h2|font_size:34|text_align:left" 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_1571616667731{background-color: #fffac1 !important;}"][vc_custom_heading text="<ul>
 	<li>Monthly subscription Account of EC$20</li>
 	<li>Attractive interest rate of 3.25% per annum credited semi-annually</li>
 	<li>No fines applicable</li>
</ul>" font_container="tag:div|font_size:20|text_align:left" 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="1/3"][vc_custom_heading text="Requirements for Opening
New Accounts" 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="The following are the requirements for opening Regular Savings and Super Saver Accounts:" font_container="tag:div|font_size:20|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal"][vc_custom_heading text="<ul>
 	<li>Two Pieces of ID (Passport, National ID or Driver's License)</li>
 	<li>Proof of Address (Utility bill)</li>
 	<li>Proof of Income (Pay slip or Job Letter)</li>
</ul>" font_container="tag:div|font_size:18|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal" el_class="tm-list-2"][vc_empty_space height="20"][vc_custom_heading text="Download Application form" font_container="tag:h2|font_size:22|text_align:left" 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_raw_html]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[/vc_raw_html][/vc_column][/vc_row][vc_row equal_height="yes" content_placement="bottom"][vc_column width="2/3"][vc_custom_heading text="PERMANENT SHARES" font_container="tag:h2|font_size:34|text_align:left" 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_1571616677328{background-color: #fffac1 !important;}"][vc_custom_heading text="<ul>
 	<li>Full Membership 100 shares ($1,000) Loan requirement</li>
 	<li>Associate members under 100 shares ($1,000)</li>
 	<li>Members are entitled to Dividends</li>
 	<li>Vote at Annual General Meetings</li>
 	<li>Apply for Secondary School Scholarships</li>
 	<li>Access to all products</li>
</ul>" font_container="tag:div|font_size:20|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal"][vc_custom_heading text="Open an Account Today!" font_container="tag:div|font_size:22|text_align:right|color:%23b72424" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20italic%3A700%3Aitalic" css=".vc_custom_1571617293428{margin-top: 0px !important;padding-top: 0px !important;padding-bottom: 5px !important;}"][/vc_column][vc_column width="1/3"][thememove_button type="3" link="#contact-us" align="center" text="Make an Appointment"][/vc_column][/vc_row][vc_row][vc_column][vc_empty_space height="40"][/vc_column][/vc_row]";}s:35:"loans-service-template-1_1404954534";a:2:{s:4:"name";s:24:"Loans Service Template 1";s:8:"template";s:15985:"[vc_row][vc_column][vc_empty_space height="40"][vc_custom_heading text="The St. Vincent Building and Loan Association offers loans to meet the needs of all our members at very competitive rates.
The categories of loans include: Consumer; Personal and Commercial Mortgage Loans." font_container="tag:p|font_size:20|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal"][vc_row_inner content_placement="top"][vc_column_inner width="3/4"][vc_custom_heading text="<span class=``pe-7s-calculator``></span>COMMERCIAL AND MORTGAGE LOANS" font_container="tag:h2|font_size:34|text_align:left" 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_1572228737063{background-color: #ffdddd !important;}"][vc_custom_heading text="We provide financing for Purchase of Land; Construction of Homes; Purchase of developed Property; Renovations; or simply to Consolidate Debts." font_container="tag:div|font_size:20|text_align:left" 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_inner][vc_column_inner width="1/4"][vc_single_image image="2313" css=".vc_custom_1571959435955{margin-bottom: 0px !important;}"][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height="yes"][vc_column_inner][vc_raw_html][encoded data, 6628 characters][/vc_raw_html][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height="yes"][vc_column_inner width="3/4"][vc_custom_heading text="<span class=``pe-7s-credit``></span>CONSUMER LOANS" font_container="tag:h2|font_size:34|text_align:left" 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_1572228763204{background-color: #ffdddd !important;}"][vc_custom_heading text="Our loans can be accessed for a variety of purposes which include:
Medical, Education, Vehicle purchase, Debt Consolidation and Personal Expenses." font_container="tag:div|font_size:20|text_align:left" 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_inner][vc_column_inner width="1/4"][vc_single_image image="2311" css=".vc_custom_1571951520063{margin-bottom: 0px !important;}"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row][vc_column][vc_raw_html][encoded data, 4788 characters][/vc_raw_html][vc_separator border_width="3"][/vc_column][/vc_row][vc_row][vc_column][vc_custom_heading text="LIST OF APPROVED VALUATORS" 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_column][/vc_row][vc_row][vc_column][vc_custom_heading text="<table class=``tg``>
<tr>
<th class=``tg-q35m``>NAME</th>
<th class=``tg-q35m``>ADDRESS</th>
<th class=``tg-q35m``>TELEPHONE</th>
<th class=``tg-q35m``>MOBILE</th>
</tr>
<tr>
<td class=``tg-gaf0``>Christopher Browne</td>
<td class=``tg-gaf0``>Arnos Vale</td>
<td class=``tg-gaf0``>1-784-456-2109</td>
<td class=``tg-gaf0``>1-784-528-8063</td>
</tr>
<tr>
<td class=``tg-c6of``>Franklyn Browne</td>
<td class=``tg-c6of``>Rivulet</td>
<td class=``tg-c6of``>N/A</td>
<td class=``tg-c6of``>1-784-532-9567/ 1-784-493-3181</td>
</tr>
<tr>
<td class=``tg-gaf0``>Franklyn Evans</td>
<td class=``tg-gaf0``>Glen</td>
<td class=``tg-gaf0``>1-784-457-2423</td>
<td class=``tg-gaf0``>1-784-493-2527 /1-784-532-8757</td>
</tr>
<tr>
<td class=``tg-c6of``>Arthur Guy</td>
<td class=``tg-c6of``>Stubbs</td>
<td class=``tg-c6of``>1-784-453-1969</td>
<td class=``tg-c6of``>1-784-493-9199 / 1-784-528-4488</td>
</tr>
<tr>
<td class=``tg-gaf0``>Joseph Lewis</td>
<td class=``tg-gaf0``>Cane Hall / Kingstown</td>
<td class=``tg-gaf0``>1-784-456-5118 /1-784-457-2110</td>
<td class=``tg-gaf0``>N/A</td>
</tr>
</table>" font_container="tag:div|font_size:20|text_align:left" 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_row]";}s:28:"insurance-template_658344895";a:2:{s:4:"name";s:18:"Insurance Template";s:8:"template";s:18164:"[vc_row equal_height="yes" content_placement="top" css=".vc_custom_1572234982526{border-bottom-width: 2px !important;border-bottom-color: #e8e8e8 !important;border-bottom-style: solid !important;}"][vc_column width="2/3"][vc_custom_heading text="<span class=``pe-7s-umbrella``></span>PERSONAL INSURANCE" font_container="tag:h2|font_size:34|text_align:left" 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_1572235189999{background-color: #ffdddd !important;}"][vc_custom_heading text="We are Agents for Guardian General Insurance Limited. we help to protect you and your property from a variety of risks." 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_custom_heading text="Our solutions range from Motor Insurance, House Insurance, and Property protection to Personal Accident cover, Group Life, Marine and more." 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="1/3"][vc_single_image image="2424" img_size="medium" alignment="center"][/vc_column][/vc_row][vc_row css=".vc_custom_1571871876809{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-car``></span>MOTOR INSURANCE" font_container="tag:h2|font_size:34|text_align:left" 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_1572231918882{background-color: #ffdddd !important;}"][vc_custom_heading text="Guardian General’s Private Motor Car Policy is especially designed for the drivers of today. It is versatile enough to provide coverage for Third Party, Third Party Fire and Theft and Comprehensive." 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 height="20"][vc_custom_heading text="PRODUCTS:" font_container="tag:h2|font_size:20|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal"][vc_custom_heading text="Third-Party Coverage" font_container="tag:h3|font_size:20|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal"][vc_custom_heading text="This covers your liability for bodily injury to third parties and damage to third party property. If you have a claim for accidental bodily injury to another person or damage to their property, as a result of negligence arising out of the use of your motor vehicle, we will pay any damages up to the limits on the policy selected by you." 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 height="10"][vc_custom_heading text="Comprehensive" font_container="tag:h3|font_size:20|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal"][vc_custom_heading text="This Comprehensive policy covers Third Party Liability, Fire and Theft and Accidental damage to your vehicle. In addition to Third Party Cover and Fire and Theft, this policy provides cover for loss of or damage to your vehicle, accessories and spare parts while on the vehicle and the cost of wrecking/towing 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"][vc_empty_space height="20"][vc_empty_space height="10px"][/vc_column][/vc_row][vc_row css=".vc_custom_1571876925652{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-home``></span>HOMEGUARD<sup>®</sup> INSURANCE" font_container="tag:h2|font_size:34|text_align:left" 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_1572231941407{background-color: #ffdddd !important;}"][vc_custom_heading text="Your homeowners policy provides insurance coverage for the unfortunate situation of a fire and many more because it is a “package” of insurance for (1) your house, furniture and personal belongings, (2) your liability to others and (3) additional living expenses you may incur if your home is severely damaged." 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_row_inner][vc_column_inner width="2/3"][vc_custom_heading text="Guardian General’s HomeGuard<sup>®</sup> policy provides coverage for the following:
<ul>
 	<li>Building(s)</li>
 	<li>Contents</li>
 	<li>Specified Personal Items</li>
 	<li>Personal Computers</li>
 	<li>Liability to domestic Employees and to the Public</li>
</ul>" 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_inner][vc_column_inner width="1/3"][vc_images_carousel images="2453" img_size="medium"][/vc_column_inner][/vc_row_inner][vc_empty_space height="20"][vc_custom_heading text="PRODUCTS:" font_container="tag:h2|font_size:20|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal"][vc_custom_heading text="Perils Covered under Insurance of the Buildings" font_container="tag:h3|font_size:20|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal"][vc_custom_heading text="Fire, explosion, lightning, thunderbolt and subterranean fire and more" 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_custom_heading text="Perils Covered under Insurance of the Contents" font_container="tag:h3|font_size:20|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal"][vc_empty_space height="10"][vc_custom_heading text="Fire, explosion, lightning, thunderbolt and subterranean fire, earthquakes, volcanic eruption and tsunami and more" 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 height="20"][vc_custom_heading text="WHAT SHOULD YOU MAKE NOTE OF WHEN PLACING YOUR INSURANCE?" font_container="tag:h2|font_size:22|text_align:left|color:%23e13454" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal"][vc_raw_html]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[/vc_raw_html][vc_empty_space height="10px"][/vc_column][/vc_row][vc_row css=".vc_custom_1571876970308{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-helm``></span>MARINEGUARD<sup>®</sup> INSURANCE" font_container="tag:h2|font_size:34|text_align:left" 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_1572231992667{background-color: #ffdddd !important;}"][vc_custom_heading text="Your boat is one of your most prized possessions and therefore you should ensure that it is properly protected against unforeseen circumstances. For vessels used strictly for private pleasure purposes, our Yacht and Pleasure Craft policy does just that." 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 height="20"][vc_custom_heading text="Yacht and Pleasure Craft" font_container="tag:h3|font_size:20|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal"][vc_custom_heading text="Provides coverage for:
<ul>
 	<li>Loss or damage to your boat, as well as outboard motors and other accessories caused by almost any type of loss as specified. Some main ones are collisions, fire, theft or sinking.</li>
 	<li>Sums for which you may become legally liable to pay, such as bodily injury to another person and/or damage to any other vessel or property, and arising out of accidents occurring during the period for which your vessel is insured (subject to an agreed limit).</li>
</ul>" 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 height="20"][vc_custom_heading text="Marine Cargo" font_container="tag:h3|font_size:20|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal"][vc_custom_heading text="Provides cover for loss of or damage to Goods (cargo) being transported to/from various countries by approved vessels and/or by air from warehouse to warehouse." 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 height="20"][vc_empty_space height="10px"][/vc_column][/vc_row][vc_row][vc_column][vc_custom_heading text="<span class=``pe-7s-portfolio``></span>BUSINESS SOLUTIONS" font_container="tag:h2|font_size:34|text_align:left" 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_1572232011457{background-color: #ffdddd !important;}"][vc_custom_heading text="Protecting your business interests is a critical part of what you do everyday. Guardian General Insurance Limited can help protect you from business risks including fire, liability, contract works and more." 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 height="20"][vc_custom_heading text="PRODUCTS:" font_container="tag:h2|font_size:20|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal"][vc_custom_heading text="FireGuard® Insurance" font_container="tag:h3|font_size:20|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal"][vc_custom_heading text="Guardian General Fire and Special Perils Policy allows you to recoup your losses quickly and efficiently." 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 height="10"][vc_custom_heading text="Liability Insurance" font_container="tag:h3|font_size:20|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal"][vc_custom_heading text="Society in the Caribbean is becoming more litigious, which means you need to protect yourself ever more from a range of business liabilities." 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 height="10"][vc_custom_heading text="Contract Work Insurance" font_container="tag:h3|font_size:20|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal"][vc_custom_heading text="The Contract Works Policy covers the obligations imposed on the contractor by the contract conditions." 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 height="20"][vc_empty_space height="10px"][thememove_button type="3" link="#contact-us" align="center" text="Make an Appointment"][/vc_column][/vc_row]";}s:27:"savings-template_2051883764";a:2:{s:4:"name";s:16:"Savings Template";s:8:"template";s:8167:"[vc_row css=".vc_custom_1571616768578{border-bottom-width: 2px !important;border-bottom-color: #e8e8e8 !important;border-bottom-style: solid !important;}"][vc_column width="2/3"][vc_custom_heading text="Ensure you have the financial security to face an uncertain future. </br>We offer a broad range of savings products at competitive rates with no hidden fees or monthly charges to help you reach your financial goals." font_container="tag:p|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="1/3"][vc_custom_heading text="Open an Account Today!" font_container="tag:div|font_size:22|text_align:left|color:%23e13454" 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_1572238041255{margin-top: 0px !important;padding-top: 0px !important;padding-bottom: 5px !important;}"][thememove_button link="dev.svbla.com/contact-us/#makeappt" text="Make an Appointment"][/vc_column][/vc_row][vc_row css=".vc_custom_1571616768578{border-bottom-width: 2px !important;border-bottom-color: #e8e8e8 !important;border-bottom-style: solid !important;}"][vc_column width="2/3"][vc_custom_heading text="<span class=``pe-7s-hourglass``></span>FIXED DEPOSITS" font_container="tag:h2|font_size:34|text_align:left" 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_1572231466715{background-color: #ffdddd !important;}"][vc_custom_heading text="We offer Fixed Deposits at attractive interest rates." font_container="tag:p|font_size:20|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal"][vc_custom_heading text="<ul>
 	<li>Minimum deposit EC$2,000</li>
 	<li>12 Months   3% per annum</li>
 	<li>24 Months   3.25% per annum</li>
 	<li>36 Months   3.50% per annum</li>
</ul>" font_container="tag:div|font_size:20|text_align:left" 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="1/3"][vc_single_image image="2083" img_size="large"][/vc_column][/vc_row][vc_row equal_height="yes" content_placement="top" css=".vc_custom_1571617084173{border-bottom-width: 2px !important;border-bottom-color: #e8e8e8 !important;border-bottom-style: solid !important;}"][vc_column width="2/3" css=".vc_custom_1571617353012{border-right-width: 2px !important;border-right-color: #e8e8e8 !important;border-right-style: solid !important;}"][vc_custom_heading text="<span class=``pe-7s-piggy``></span>REGULAR SAVINGS" font_container="tag:h2|font_size:34|text_align:left" 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_1572231492458{margin-top: 0px !important;background-color: #ffdddd !important;}"][vc_custom_heading text="<ul>
 	<li>Minimum opening balance of EC$20</li>
 	<li>Competitive interest rate of 2.75% per annum paid quarterly</li>
 	<li>No monthly charges</li>
 	<li>Free Deposits and Withdrawals</li>
</ul>" font_container="tag:div|font_size:20|text_align:left" 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="20"][vc_custom_heading text="<span class=``pe-7s-cash``></span>SUPER SAVERS" font_container="tag:h2|font_size:34|text_align:left" 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_1572231520889{background-color: #ffdddd !important;}"][vc_custom_heading text="<ul>
 	<li>Monthly subscription Account of EC$20</li>
 	<li>Attractive interest rate of 3.25% per annum credited semi-annually</li>
 	<li>No fines applicable</li>
</ul>" font_container="tag:div|font_size:20|text_align:left" 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="1/3"][vc_custom_heading text="REQUIREMENTS FOR
OPENING AN ACCOUNT" font_container="tag:h2|text_align:left|color:%23e13454" 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="The following are the requirements for opening Regular Savings and Super Saver Accounts:" font_container="tag:div|font_size:20|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal"][vc_custom_heading text="<ul>
 	<li>Two Pieces of ID (Passport, National ID or Driver's License)</li>
 	<li>Proof of Address (Utility bill)</li>
 	<li>Proof of Income (Pay slip or Job Letter)</li>
</ul>" font_container="tag:div|font_size:18|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal" el_class="tm-list-2"][vc_empty_space height="20"][vc_custom_heading text="Download Application form" font_container="tag:h2|font_size:22|text_align:left" 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_raw_html]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[/vc_raw_html][/vc_column][/vc_row][vc_row equal_height="yes"][vc_column width="2/3"][vc_custom_heading text="<span class=``pe-7s-safe``></span>PERMANENT SHARES" font_container="tag:h2|font_size:34|text_align:left" 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_1572231557441{background-color: #ffdddd !important;}"][vc_custom_heading text="<ul>
 	<li>Full Membership 100 shares ($1,000) Loan requirement</li>
 	<li>Associate members under 100 shares ($1,000)</li>
 	<li>Members are entitled to Dividends</li>
 	<li>Vote at Annual General Meetings</li>
 	<li> <a href=``#scholarships``>Apply for Secondary School Scholarships</a></li>
 	<li>Access to all products</li>
</ul>" font_container="tag:div|font_size:20|text_align:left" 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="1/3"][vc_single_image image="2456" img_size="large" alignment="center"][/vc_column][/vc_row][vc_row][vc_column][vc_empty_space height="40"][/vc_column][/vc_row]";}s:31:"new-savings-template_2993456101";a:2:{s:4:"name";s:20:"NEW Savings Template";s:8:"template";s:9984:"[vc_row equal_height="yes" content_placement="middle" css=".vc_custom_1578785079893{border-bottom-width: 2px !important;border-bottom-color: #e8e8e8 !important;border-bottom-style: solid !important;}"][vc_column width="2/3"][vc_custom_heading text="Ensure you have the financial security to face an uncertain future. We offer a broad range of savings products at competitive rates with no hidden fees or monthly charges to help you reach your financial goals.  Simply visit our office, and a member of our team will help you open a savings account that best accommodates your needs.
Our savings services include:" font_container="tag:h2|font_size:21|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="1/3"][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=""]OPEN AN ACCOUNT TODAY !&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 css=".vc_custom_1571616768578{border-bottom-width: 2px !important;border-bottom-color: #e8e8e8 !important;border-bottom-style: solid !important;}"][vc_column width="2/3"][vc_custom_heading text="<span class=``pe-7s-hourglass``></span>FIXED DEPOSITS" font_container="tag:h2|font_size:34|text_align:left" 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_1572231466715{background-color: #ffdddd !important;}"][vc_custom_heading text="We offer Fixed Deposits at attractive interest rates." font_container="tag:p|font_size:20|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal"][vc_custom_heading text="<ul>
 	<li>Minimum deposit EC$2,000</li>
 	<li>12 Months   3% per annum</li>
 	<li>24 Months   3.25% per annum</li>
 	<li>36 Months   3.50% per annum</li>
</ul>" font_container="tag:div|font_size:20|text_align:left" 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="1/3"][vc_single_image image="2083" img_size="large"][/vc_column][/vc_row][vc_row equal_height="yes" content_placement="top" css=".vc_custom_1571617084173{border-bottom-width: 2px !important;border-bottom-color: #e8e8e8 !important;border-bottom-style: solid !important;}"][vc_column width="2/3" css=".vc_custom_1571617353012{border-right-width: 2px !important;border-right-color: #e8e8e8 !important;border-right-style: solid !important;}"][vc_custom_heading text="<span class=``pe-7s-wallet``></span>REGULAR SAVINGS" font_container="tag:h2|font_size:34|text_align:left" 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_1578201290205{margin-top: 0px !important;background-color: #ffdddd !important;}"][vc_custom_heading text="<ul>
 	<li>Minimum opening balance of EC$20</li>
 	<li>Competitive interest rate of 2.75% per annum paid quarterly</li>
 	<li>No monthly charges</li>
 	<li>Free Deposits and Withdrawals</li>
</ul>" font_container="tag:div|font_size:20|text_align:left" 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="20"][vc_custom_heading text="<span class=``pe-7s-cash``></span>SUPER SAVERS" font_container="tag:h2|font_size:34|text_align:left" 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_1572231520889{background-color: #ffdddd !important;}"][vc_custom_heading text="<ul>
 	<li>Monthly subscription Account of EC$20</li>
 	<li>Attractive interest rate of 3.25% per annum credited semi-annually</li>
 	<li>No fines applicable</li>
</ul>" font_container="tag:div|font_size:20|text_align:left" 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="20"][vc_custom_heading text="<span class=``pe-7s-piggy``></span>SMART SAVERS" font_container="tag:h2|font_size:34|text_align:left" 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_1578201306926{background-color: #ffdddd !important;}"][vc_custom_heading text="It's never too early to begin saving!
<ul>
 	<li>For children between the ages of  0 & 18 years</li>
 	<li>Interest rate of 4% per annum paid quarterly</li>
 	<li>At age 18, account will be converted to Regular Savings Account.</li>
 	<li>No previous SVBLA membership required on application</li>
</ul>" font_container="tag:div|font_size:20|text_align:left" 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="1/3"][vc_custom_heading text="REQUIREMENTS FOR
OPENING AN ACCOUNT" font_container="tag:h2|text_align:left|color:%23e13454" 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="The following are the requirements for opening Regular Savings and Super Saver Accounts:" font_container="tag:div|font_size:20|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal"][vc_custom_heading text="<ul>
 	<li>Two Pieces of ID (Passport, National ID or Driver's License)</li>
 	<li>Proof of Address (Utility bill)</li>
 	<li>Proof of Income (Pay slip or Job Letter)</li>
</ul>" font_container="tag:div|font_size:18|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal" el_class="tm-list-2"][vc_empty_space height="20"][vc_custom_heading text="The following are required for opening a Smart Saver Account:" font_container="tag:div|font_size:20|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal"][vc_custom_heading text="<ul>
 	<li>A copy of the child’s birth certificate and/or valid passport</li>
 	<li>Parent/Legal Guardian’s name must be on the account.</li>
</ul>" font_container="tag:div|font_size:18|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal" el_class="tm-list-2"][vc_empty_space height="10"][vc_empty_space height="15"][vc_raw_html]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[/vc_raw_html][/vc_column][/vc_row][vc_row equal_height="yes"][vc_column width="2/3"][vc_custom_heading text="<span class=``pe-7s-safe``></span>PERMANENT SHARES" font_container="tag:h2|font_size:34|text_align:left" 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_1572231557441{background-color: #ffdddd !important;}"][vc_custom_heading text="<ul>
 	<li>Full Membership 100 shares ($1,000) Loan requirement</li>
 	<li>Associate members under 100 shares ($1,000)</li>
 	<li>Members are entitled to Dividends</li>
 	<li>Vote at Annual General Meetings</li>
 	<li> <a href=``#scholarships``>Apply for Secondary School Scholarships</a></li>
 	<li>Access to all products</li>
</ul>" font_container="tag:div|font_size:20|text_align:left" 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="1/3"][vc_single_image image="2456" img_size="600x450"][/vc_column][/vc_row]";}s:22:"csr-template_571621027";a:2:{s:4:"name";s:12:"CSR Template";s:8:"template";s:8332:"[vc_row equal_height="yes" content_placement="top" css=".vc_custom_1572234982526{border-bottom-width: 2px !important;border-bottom-color: #e8e8e8 !important;border-bottom-style: solid !important;}"][vc_column width="2/3"][vc_custom_heading text="<span class=``pe-7s-like``></span>SOCIAL RESPONSIBILITY" 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" css=".vc_custom_1578793984237{background-color: #8639ba !important;}"][vc_custom_heading text="The Association has traditionally been a supporter of educational and cultural endeavours within St. Vincent and the Grenadines. We continue to focus on giving back to our members and the wider Vincentian community by providing scholarships to the children of our members, from the secondary right through to the community college level. We can proudly boast of having nineteen (19) active scholarship recipients as at the end of 2018." 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="1/3"][vc_single_image image="3012" img_size="large" alignment="center"][/vc_column][/vc_row][vc_row css=".vc_custom_1571871876809{border-bottom-width: 2px !important;border-bottom-color: #e8e8e8 !important;border-bottom-style: solid !important;}"][vc_column][vc_custom_heading text="In addition, the Association is continuing with its tradition of providing Summer and Christmas internships for some of our scholarship holders, so that they can obtain firsthand experience in the work environment. This continues to be well received by the scholarship holders and their parents/guardians. We also continue to play an active role in local cricket and in partnership with Guardian General Insurance, we have continued our sponsorship of the Guardian Saints Cricket team." 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 height="10"][vc_empty_space height="10"][vc_empty_space height="20"][vc_custom_heading text="During the year, we have made donations to a number of educational and social causes such as the Garifuna Heritage Foundation, St. Vincent and the Grenadines Christian Council, SVG Systems Sports Academy, the Thompson Home Committee, SVG Masters Cricket Committee and Thomas Saunders Secondary School among others." 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 height="20"][/vc_column][/vc_row][vc_row][vc_column][vc_custom_heading text="<span class=``pe-7s-like``></span>SOCIAL RESPONSIBILITY" 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" css=".vc_custom_1578793984237{background-color: #8639ba !important;}"][vc_custom_heading text="SCHOLARSHIP RULES

​

BACKGROUND

 

The scholarships shall be called the “St Vincent Building and Loan Scholarships”.

 

APPLICATION CRITERIA

 

 Scholarships, as the Directors may decide, shall be awarded to children of full members of the St Vincent Building and Loan     Association. In order for a child to be eligible, at least one parent must have been a full member for at least one (1) year prior to the   date of the examination on which the scholarship is to be based. A full member is an individual with a minimum of 100 permanent   shares. “Child” shall include one that has been legally adopted.

 

  2.  The scholarship shall be tenable at any secondary school in the State for a period of five (5) years (subject to an annual review.) It may          be extended up to seven (7) years gaining entry to full time studies at the Division of Arts and Sciences or the Division for Technical              Education of the St Vincent and the Grenadines Community College or any post secondary school approved by the Board of Directors          provided that the scholarship holder’s attendance, conduct and progress, as shown by term reports, are satisfactory.

 

  3.  An applicant for a scholarship shall use the relevant application form.

 

  4.  The child must pass the Caribbean Primary Exit Assessment (CPEA) in the academic year in which the application for the award is                  made.

 

 5.   The scholarship would be advertised in the local media at least three weeks prior to the date of the Examination.

 

 6.   The value of each scholarship shall be $1,200.00/year for Forms 1-3 and $1,400.00/year for Forms 4-5, payable as follows:

 

                                                                                                    Forms 1-3        Forms 4-5

        At the beginning of the 1st term                                      $900.00          $1,100.00

        At the beginning of the 2nd term and 3rd term            $150.00          $150.00

         

        $1400.00 / year for Form 6 payable as follows:  Semester :  Semester 1 $1,100.00

                                                                                                                  Semester 2 $300.00

​

         The value of each  Need-based scholarship shall be $1000.00 / year for Forms 1 - 5 

​

 

 7.  A total of four (4) scholarship awards would be awarded annually. Two (2) Merit Scholarship would be given to qualifying students who        have attained the highest positions in the annual CPEA examination and two (2) scholarship would be given to underprivileged                      children.   All awardees must not be recipients of other scholarships.

 

 8.   In the event of a tie for the second Merit Scholarship, it would be awarded as follows:

 

The child with the best average in English and Mathematics.

If (i) fails, the child with the best average in English.

If (i) and (ii) fail, the child with the best average in Mathematics.

If (i), (ii) and (iii) fail, an oral examination would be conducted to determine the recipient of the award.

 

 9.  Each candidate shall:

​

    - Be less than 13 years of age at the date of the examination, as shown by an original birth certificate, which must be provided when               applying for the scholarship.

​​

    - Have attended a Government or Assisted Primary or Registered Private School during the twelve months preceding the date of the              examination.

​

    - Furnish a certificate of good conduct from the Head Teacher of such school.

​

    - Furnish proof that he/she is a Vincentian, or the child of a Vincentian, or that he/she has been a legal resident in the State for at least          two (2) years.

​

10. A scholarship shall not be awarded to any candidate who has attained less than 33 1/3 percent in any subject or less than 50 percent          of the total marks in the examination.

​

11. At the end of each term the principal of the secondary school(s) to which scholarship awardees attend will be requested to forward to        the Chief Executive Officer (CEO) of the Association reports on the attendance, conduct and performance of each scholarship holder.         

The CEO/Corporate Secretary shall present the reports to the Board of Directors (BOD) of the Association at the first meeting after each has been received. If a report is unsatisfactory, the Directors may choose to rescind the scholarship.

ScholarhipsApplication17.jpg
" 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_row]";}s:30:"membership-template_3485543390";a:2:{s:4:"name";s:19:"Membership Template";s:8:"template";s:9694:"[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>CLASSES 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_1578447858586{background-color: #3768b4 !important;}"][vc_custom_heading text="There 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_1578453859100{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.
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.
Full 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="200x200" alignment="center" css_animation="none"][vc_empty_space 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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 disable_element="yes"][vc_column][vc_raw_html]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[/vc_raw_html][vc_raw_html]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[/vc_raw_html][/vc_column][/vc_row]";}s:25:"fatca-template_4173149118";a:2:{s:4:"name";s:14:"FATCA Template";s:8:"template";s:16592:"[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="Foreign Account Tax Compliance Act -FATCA Overview" font_container="tag:h2|text_align:left|color:%23154fa9" 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="On March 18, 2010 the United States (US) Government enacted the Foreign Account Tax Compliance Act (FATCA) to combat tax evasion by US persons holding investments in offshore accounts. FATCA requires Foreign Financial Institutions (FFIs) to provide the US Internal Revenue Service (IRS) with information on certain US persons who would have invested in accounts outside of the US and for certain non-US entities to provide information about any US owners. The St. Vincent Building & Loan Association is a FFI and is therefore required to comply. On an annual basis, we are required to report information on financial accounts held directly or indirectly by US Persons." 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_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.
Steps required for FFIs to be compliant with FATCA regulations:
<ol>
 	<li>Signing of formal agreement with the United States Internal Revenue Service (IRS) confirming FATCA Compliance;</li>
 	<li>Amending account opening procedures in order to capture FATCA related information;</li>
 	<li>Updating information of current customers;</li>
 	<li>Annual reporting to the IRS on qualifying ‘U.S. Persons’. In addition, it may be necessary to report information about customers who do not provide the required documentation.</li>
</ol>" 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_custom_heading text="<span class=``pe-7s-info``></span>FREQUENTLY ASKED QUESTIONS" font_container="tag:h2|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_1579277055192{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"]<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>[/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"]<div style="font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;" class="vc_custom_heading">

The term “US person” includes, but is not limited to:
<ul>
 	<li>a US citizen (including dual citizens) even if residing outside of the US;</li>
 	<li>a US passport holder;</li>
 	<li>a person born in the US unless citizenship has been renounced;</li>
 	<li>a US resident alien for tax purposes (green card holders);</li>
 	<li>entities (partnerships, corporations, trusts, etc.) where one or more United States persons have control or over 10% shareholding.</li>
</ul>
</div>[/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"]<div style="font-size: 20px; text-align: justify; font-family: Roboto; font-weight: 400; font-style: normal;" class="vc_custom_heading">
Foreign Financial Institutions (FFIs) are institutions that:
<ul>
 	<li>accept deposits as a regular business function;</li>
 	<li>holds financial assets for the account of others as a substantial portion of its business;</li>
 	<li>are engaged in the business of investing;</li>
 	<li>are involved in reinvesting, or trading in securities, partnership interests, commodities, or any interest in such securities, partnership interests, or commodities.</li>
</ul>
</div>[/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"]<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>[/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"]<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>[/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"]<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>
<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>
Customers 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>
<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>
Changes in onboarding procedures will impact new customers as additional information may be requested from new applicants to determine whether they are US persons.</div>[/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"]<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>[/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"]<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>[/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"]<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>[/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"]<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>[/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"]<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>[/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"]<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>[/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"]<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>[/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"]<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>[/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"]<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>[/vc_toggle][/vc_column][/vc_row]";}}