2. ST.VINCENT BUILDING & LOAN ASSOCIATION WELCOME TO Thank you for your loyalty and commitment to the continued success of your Association

3. ST.VINCENT BUILDING & LOAN ASSOCIATION INTRODUCING OUR SUPER SAVER ACCOUNT Fixed Monthly payment (Min: $20, Max: $500) Semi-annual interest – June 30 th & December 31 st Members choose their own savings plan. SVGBLA Super Saver Rate: 3.25% PA as compared to savings market rate: 3% PA No fines apply Can be used as collateral for loans Shorter Yield Time [Five (5) years] with the option to extend. Membership requirements apply - SAVE WITH OUR SUPER SAVER ACCOUNT- SAVINGS SPECIFIC TO YOUR FUTURE GOALS!! - *Terms and Conditions apply

4. ST.VINCENT BUILDING & LOAN ASSOCIATION INTRODUCING OUR SUPER SAVER ACCOUNT Fixed Monthly payment (Min: $20, Max: $500) Semi-annual interest – June 30 th & December 31 st Members choose their own savings plan. SVGBLA Super Saver Rate: 3.25% PA as compared to savings market rate: 3% PA No fines apply Can be used as collateral for loans Shorter Yield Time [Five (5) years] with the option to extend. Membership requirements apply - SAVE WITH OUR SUPER SAVER ACCOUNT- SAVINGS SPECIFIC TO YOUR FUTURE GOALS!! - *Terms and Conditions apply

5. SAVINGS ACCOUNTS!!  SUPER SAVERS  REGULAR SAVINGS ACCOUNTS  FIXED DEPOSIT ACCOUNTS  SUPER SAVERS  REGULAR SAVINGS ACCOUNTS  FIXED DEPOSIT ACCOUNTS  MINIMUM $20  MAXIMUM $500  CONVENIENT DEPOSITS & WITHDRAWALS (With No Charges)  RANGES FROM 3% TO 3.50% PER ANNUM MMINIMUM $20  MAXIMUM $500 CCONVENIENT DEPOSITS & WITHDRAWALS (With No Charges) RRANGES FROM 3% TO 3.50% PER ANNUM

8. LOAN PRODUCTS OFFERED 1.MORTGAGE LOANS 2.CONSTRUCTION LOANS 3.LAND LOANS 4.COMMERCIAL LOANS 5.VEHICLE LOANS 6.STUDY LOANS 7.FIXED DEPOSIT LOANS 8.PERSONAL / CONSUMER LOANS 9.INSURANCE LOANS 10.VACATION LOANS

9. (Medical/Education/Vehicle/Consolidation/Personal Expense etc.) DOCUMENTS REQUIRED FOR PERSONAL/CONSUMER LOAN 1.Application Form Duly Filled Out 2.Proof of Identification 3.Proof of Income (Salary Slip & Job Letter) 4.Letter & Quotation (Medical / Education) 5.Valuation, Registration & Offer Letter (Vehicle) 6.Print-Out of Existing Expenses (Consolidation) 7.Permanent Shares ($1,000)

10. (Residential / Commercial / Consolidation) REQUIREMENTS FOR MORTGAGE LOANS 1.Application Form Duly Filled Out 2.Proof of Income (Salary Slip & Job Letter) 3.Approved Plan of Building (Residential) 4.Survey Plan of Site 5.Copy of Deed 6.Sale Agreement / Offer Letter 7.Valuation (Land / Land & Structure) 8.Estimated Cost of Construction (Residential / Building)

11. (Residential / Commercial / Consolidation) REQUIREMENTS FOR MORTGAGE LOANS – CONT’D 9.Legal Fees & Charges 10.Builders Contract (Residential / Building) 11.Print-Out of Existing Expenses (Consolidation) 12.Statutory Compliance Documents (Tax Certificates / Tax Returns) 13.Business Plan & Most Recent Financials (Commercial Loan) 14.Credit Report or Credit Transaction History If Available 15.Permanent Shares ($1,000)

12. UTILITY BILL PAYMENT SERVICES ** PLEASE PRESENT YOUR UTILITY BILL OR ACCOUNT # ** CENTRAL WATER & SEWERAGE AUTHORITY KARIB CABLE / FLOW ST. VINCENT ELECTRICITY SERVICES LTD

13. JN INTERNATIONAL MONEY TRANSFER SERVICE SEND & RECEIVE MONEY: England Guyana Barbados U.S.A Canada Dominica Cayman Islands Jamaica