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S a v i ng s&De pos i t s

Ea r ne rPl us :

Ope nt hi ss a v i ng sa c c ountwi t hami ni mumof $ 200.

00a nde a r n r e wa r dsa sy ourmone yg r o ws .

I nt e r e s ti sa c c r ue dda i l ya ndpa i d mont hl y , y oug e tf ul la c c e s st oi nt e r ne tba nk i nga swe l la sy our o wnAc c e s sPl us( ATM)c a r d.

Supr e meSa v e r :

Thi ss a v i ng sa c c ount he l psy ouma x i mi z ey ours a v i ng s .

Wi t has t a r t i ngmi ni mum of$ 10, 000.

00, i nt e r e s ti spa i dona qua r t e r l yba s i sa ndy ou’ l lr e c e i v et hea ddi t i ona lbe nei t sof i nt e r ne t ba nk i ng .

Pr os pe r i t yPl us :

Thi si sag r e a twa yt os a v ef ory ourc hi l dr e n ’ se duc a t i on,y our r e t i r e me nt , orwha t e v e ry ourg oa lma ybe .

Thi si sal ongt e r m i nv e s t me ntt ha tof f e r st a x f r e ebe nei t s .Ope ny ourPr os pe r i t y a c c ountt oda ywi t hami ni mum ba l a nc eof$ 5, 000.

00a nds t a r t e a r ni ngf ory ourr e t i r e me nt .

Condi t i onsa ppl y .

Gol de nE duc a t or :

TheGol de nEduc a t orPl a ni sal ongt e r ms a v i ng spl a ns pe c ii c a l l y t a i l or e dt o wa r dse duc a t i ona l g oa l s .

Ata na t t r a c t i v er a t e , wi t ha mi ni mum ba l a nc eof$ 1, 375.

00pe rwe e kor$ 5, 500.

00pe r mont h.Y ouc a ns t a r ts a v i ngf ory ourc hi l d( s )e duc a t i on.Asa c ont r i but ort ot hi spl a n,y ourg oa li si ns ur e df orupt o$ 4.

5 mi l l i ona ndweof f e ri nt e r ns hi pf ors t ude nt swhoa c hi e v e10or mor eCXCs ubj e c t s .

Condi t i onsAppl y .

He r i t a geCl ub:

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S e ni orCi t i z e ns , t hi sa c c ount i sg e a r e d t o wa r dsy ou.Wi t ha sl i t t l ea s$ 5, 000.

00, y oug a i ni nt e r e s t pa i dmont hl yony our mi ni mumba l a nc e .

Ot he rLoa ns

Agr i Bi zL i neof Cr e di t :

Al oa ne s t a bl i s hme ntf or“ S ma l lF a r me r s ”a ndAg r i c ul t ur a l Ent r e pr e ne ur ss e e k i ngt og r a dua l l ye x pa ndt he i rbus i ne s s e s .

Le tFHCputy ouont her i g htpa t ht os us t a i ne dg r o wt hi nt he i ndus t r y .

Mi c r o&Sma l l Bus i ne s sL oa ns :

Ours e c ur e da nduns e c ur e dFl e x i Bi z ,S i g na t ur e– Bi z ,Re di Bi z a ndAVCl oa ns , a r eof f e r e dt ome mbe r swhowa ntt oe x pa ndor s t a r t t he i rmi c r oors ma l l bus i ne s s e s .

Ot he rPr oduc t sa ndS e r v i c e s

F a mi l yI nde mni t yPl a n:

Pr ot e c ty ourl o v e done s .

Whe ne v e r t he r e ’ sade a t hi nt hef a mi l y ,t he F a mi l yI nde mni t yPl a n( FI P)he l ps t oc o v e rt hee x pe ns e s , s oy oua nd y ourl o v e done sha v el e s st owor r y a bout .Ama x i mumof s i x( 6)f a mi l y me mbe r s ,i nc l udi ngt heme mbe r c a n be i ns ur e df or a mi ni ma l mont hl ya mount .

Ac c e s sPl usCa r d:

Thi sa ut oma t e dt e l l e rma c hi ne( ATM)c a r dc a nbeus e d24 hour spe rda y , 7da y spe rwe e k , a nda l l o wsc a s hwi t hdr a wa l a t a nyATMdi s pl a y i ngt heMul t i l i nks i g n.Ot he rf e a t ur e si nc l ude : -Ac c ount ba l a nc ei nqui r i e s -De pos i t sa ndl oa npa y me nt sma ybema dea t a nyof t he Ea s i Ac c e s s( Cr e di t Uni on)ATMs -Pa y me nt sf org oodsa nds e r v i c e sv i at he Poi nt of S a l e( P .

O. S )s e r v i c e .

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Ot he rPr oduc t sa ndS e r v i c e s

I nt e r ne tBa nki ng:

Of f e r sy out hec onv e ni e nc eofonl i neba nk i ng .Y ouc a nus et hi s f a c i l i t yt ot r a ns f e rf undsbe t we e na c c ount s ,v i e wa nd pr i nt s t a t e me nt s , ma k el oa npa y me nt s , t r a ns f e rt oa not he rme mbe r s a c c ounta ndc he c ka c c ountba l a nc e s .I t ’ se a s y , s a f e , s e c ur ea nd a l wa y sa t y ouri ng e r t i ps .

Mone yT r a ns f e r :

Re mi t t a nc e s

Mone yf r omo v e r s e a sc a nbes e nt t ot heCr e di t Uni ont hr oug ha ny oft hef ol l o wi ngr e mi t t a nc es e r v i c e s :RI AEx pr e s s , Xoom, La s c o Mone y g r a ma ndJ MMBMone yTr a ns f e r .

Ca mbi o:

FHCi sal i c e ns e dCa mbi oope r a t or .

Thi sa l l o wsust obot hbuya nd s e l l f or e i g nc ur r e nc y , a sas e r v i c et oourme mbe r sa ndt heg e ne r a l publ i ca tc ompe t i t i v er a t e s .

Wec ur r e nt l yope r a t ea tt heEur e k a / Ri pon, Ne wKi ng s t on, Mont e g oBa y&S t .

Thoma sbr a nc he s .

Gi f tCe r t ic a t e s :

Thi si st hei de a lg i f tf ora nyoc c a s i on,Chr i s t ma s ,Bi r t hda y s , Gr a dua t i onsa ndWe ddi ng s .

OurMat r i mone yg i f t c e r t ii c a t ei sa s pe c i a l g i f t c e r t ii c a t ei de a l f orbr i da l r e g i s t r i e s .

Sa f eDe pos i tBox :

The s ea r ea v a i l a bl ef ors t or i ngy ourv a l ua bl e sa ndi mpor t a nt doc ume nt s .The r ea r ev a r i ouss i z eopt i onsa t ami ni ma l c os t .

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Pe ns i onGol d: Re t i r e me ntPl a n

Ar ey oupr e s e nt l yc ont r i but i ngt oa r e t i r e me nt s c he me ? .

Re t i r e me nt pl a nni ng s houl dbeapr i or i t yt hr oug hout y oura dul t l i f ei f y ouwa nt t omi ni mi z ey ouri na nc i a l c ha l l e ng e swhe ny oumo v eout of t he wor k f or c e .

Pe ns i onGol d, ar e t i r e me nt pl a n f ori ndi v i dua l si sof f e r e dt hr oug hour s ubs i di a r yFHCI nv e s t me nt sLt d.

I f y oua r e be t we e n18a nd58, t hi spl a ni sf ory ou.

TheS a l e sT e a m, c ons i s t i ngof ourRe t a i l a ndS a l e sOfi c e r s , wi l l v i s i t a nyg r oup/ or g a ni z a t i onwi s hi ngt ol e a r na bout t heCr e di t Uni ona ndwha ti tha st oof f e r .J us tg i v eusac a l l . Our r e pr e s e nt a t i v e sa l s or e g ul a r l yv i s i tc ompa ni e s / or g a ni z a t i ons i nwhi c ht he r ea r eanumbe rofFHCCr e di tUni onme mbe r s .

Us ua l l ya ni ndi v i dua l i si de nt ii e da tt hel oc a t i ont os e r v ea sa Li a i s onOfi c e r .

FHCI nv e s t me nt sLt d.i sawhol l yo wne ds ubs i di a r yofFi r s t He r i t a g eCoope r a t i v eCr e di tUni onLi mi t e d.Thec ompa ny of f e r sa ne x pe r i e nc e da ndc l i e ntf oc us e dt e a mt ha twi l lhe l p y ouc r e a t ewe a l t h,r e a l i z ey ouri na nc i a lobj e c t i v e s ,pl a nf or y ourr e t i r e me nt wi t ht hea i mof s e c ur i ngy ourf ut ur e .

Ours e r v i c e sa ndpr oduc t si nc l ude : •Mone yMa r k e t I nv e s t me nt s •Bonds •S t oc k s •Por t f ol i oMa na g e me nt •Pe ns i onF undMa na g e me nt Thef e at ur e sof t hepr oduc t sands e r v i c e sl i s t e d i nt hi shandbookmayber e v i s e datanyt i mewi t hout pr i ornot ii c at i on.

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HE ADOF F I CE : 8 1 0E u r e k aRo a d , Ki n g s t o n5 T e l : 8 7 6 9 2 9 5 1 4 2 F a x : 8 7 6 9 0 6 0 4 5 3

Ki n g s t o n&St .An d r e w 8 1 0E u r e k aRo a d , Ki n g s t o n5 ( Cn r .

Ri p o n&E u r e k aRd s . ) T e l : 8 7 6 9 2 9 5 1 4 2 , F a x : 8 7 6 9 2 6 2 6 8 3 2 0Do mi n i c aDr i v e , Ki n g s t o n5 T e l : 8 7 6 9 0 6 5 5 9 5 / 9 6 8 4 5 5 5 F a x : 8 7 6 9 6 8 0 0 1 2 1 0E a s t Av e n u e , Ki n g s t o n4 T e l : 8 7 6 9 2 9 5 1 4 2 F a x : 8 7 6 9 4 8 1 2 4 0 L a wr e n c eT a v e r n L a wr e n c eT a v e r nP .

O. T e l : 8 7 6 9 4 2 8 6 8 4 F a x : 8 7 6 9 4 2 8 6 6 7

St .Ca t h e r i n e L o t 5 7We s t T r a d eWa y Po r t mo r eT o wnCe n t r e T e l : 8 7 6 9 8 8 0 7 5 3 / 0 7 8 1 F a x : 8 7 6 9 8 8 0 6 9 3 Un i t 1 3 , 6Ma r c hPe nRo a d , Oa s i sSh o p p i n gCe n t r e Sp a n i s hT o wn T e l : 8 7 6 7 4 9 3 9 2 0 1 F a x : 8 7 6 7 4 9 3 9 1 9 Sh o p s8&9 , E a s t Si d ePl a z a 3 5E a s t St r e e t , Ol dHa r b o u r T e l : 8 7 6 7 4 5 3 6 4 5 / 6 F a x : 8 7 6 7 4 5 3 2 0 0

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Cl a r e n d o n Sh o p s5&6Ba r g a i nVi l l a g ePl a z a , Ma yPe n T e l : 8 7 6 9 8 6 1 6 1 4 / 9 0 2 4 6 1 2 F a x : 8 7 6 9 0 2 8 2 5 7

St .J a me s 2 1Un i o nSt r e e t , Mo n t e g oBa y T e l : 8 7 6 9 5 2 3 5 9 8 / 9 7 1 0 6 8 8 F a x : 8 7 6 9 4 0 4 2 5 4

St .T h o ma s

2 6Qu e e n sSt r e e t , Mo r a n t Ba y T e l : 8 7 6 9 8 2 1 4 6 0 F a x : 8 7 6 9 8 2 1 4 6 2

Ma n c h e s t e r 2Pe r t hRo a d , Ma n d e v i l l e T e l : 8 7 6 9 6 2 5 2 1 1 / 9 6 1 8 0 5 4 F a x : 8 7 6 6 2 5 8 5 0 1

SAL E SANDWE AL T HDE VE L OPME NTUNI T 8 1 0E u r e k aRo a d , Ki n g s t o n5 ( Cn r .

Ri p o n&E u r e k aRd s . ) T e l : 8 7 6 7 5 4 2 3 1 7 / 1 8 F a x : 8 7 6 9 0 8 1 9 2 8

F HCI NVE ST ME NTL T D. &RE T I RE ME NTSCHE ME 2 0Do mi n i c aDr i v e , Ki n g s t o n5 T e l : 8 7 6 9 0 8 1 5 0 2 F a x : 8 7 6 9 6 8 3 5 2 3

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Rev i s edAugus t2018