Bd First Citizens We put you first SAVE FOR YOUR DREAM HOME THE SMART WAY! Biat-wecy = felals Homeowners “™ Savings Plan im (A.H.S.P)The road to your dream home is paved with possibilities — give yourself a head start with The Aspiring Homeowners Savings Plan (A.H.S.P) - a savings plan that can help bring your dream home within reach. Make the most of your earnings. Designed to help you meet the financial requirements to qualify for a residential mortgage, with the A.H.5.P, you can start saving with as little as $200* monthly for a contract period of 3 to 5 years. *based on your savings goal. Example r**: for a house valued at $750,000: To achieve this in: Need more time to reach your goal? So you know your goal, but need a longer period of time to get there. No problem! You can renew your A.S.H.P or create a new plan after the contractual period for the first plan is up! For example, if you need 6 years to achieve this goal for a house valued at $750,000, you can take an A.H.S.P plan for 3 years at $1,600 monthly, then renew this plan for another 3 year period at $1,600 monthly. Rates that reward you Our tiered interest rates reward your diligent savings habits. Interest accrues on the daily balance and is credited annually or at maturity. So the more you save, the more you earn. we This is a simple example giver for illustrative purposes only. Fees/costs {including legal fees and interest) are subject to change.Control your finances You can choose whether you prefer to make monthly deposits or a lump sum to cover subsequent months (you have a grace period of 30 working days from the next deposit date}. Make easy deposits to your account using a standing order. You will receive annual statements and a personal recorder to help you keep track of your transactions. Bank at your convenience Easily transfer your monthly savings sum from your savings account to your A.H.S.P. via First Citizens Telebanking Service, Internet Banking or Mobile Banking. Access future credit With every payment, you'll be one step closer to achieving the home you've always dreamed of. Your consistent contributions to your A.H.8,P will reflect your ability to manage money effectively. A good credit rating can help you secure a mortgage with First Citizens .** Pre-Approval Certificates may be issued by the bank in its sole discretion, upon the maturity of your Aspiring Home Qwners Savings Plan, ence payments were made in keeping with agreed monthly or lump sum contributions. Requirements: Anyone 18 years and older Employed or Self-Employed Minimum Salary of $2500 Ready to put your dream home in your hands? Call or come in to talk to us about opening your own Aspiring Homeowners Savings Plan today!For additional information please contact a First Citizens branch at Comer Hollis Avenue & Woodford Street, Arima Tel.: 667-1523 Fax: 667-4245 Market Street Extension, Chaguanas Tel. 665-4125 Fax: 665-3293 Southern Main Road & Noel Street, Couva Tel.: 636-2237 Fax: 679-8111 2 South Trunk Road, Gulf View, La Romain Tel.: 657-9714 Fax: 653-3473 62 Independence Square, Port of Spain Tel.: 625-2893 Fax: 627-5956 38 Southern Main Road, Marabella Tel.: 658-1891 Fax: 658-1453 44-46 Maraval Road, Port of Spain Tel.: 622-5839 Fax: 628-6297 Montrose Main Road, Chaguanas Tel. 671-0695 Fax: 672-8360 Corner Park & Henry Streets, Port of Spain Tel.: 623-2961 Fax: 622-4003 Southern Main Road, Paint Fortin Tel. 648-2676 Fax: 648-0293 Atlantic & Orinoco Drives, Point Lisas Industrial Estate, Point Lisas Tel.: 636-4787 Fax: 636-9449 High Street, Princes Town Tel.: 655-2209 Fax: 655-2127 Corner High & Penitence Streets, San Fernando Tel.: 652-2757 Fax: 657-1456 Eastern Main Road, Sangre Grande Tel.: 668-2208 Fax: 668-3043 Eastern Main Road, San Juan Tel.: 674-4896 Fax: 638-2310 2 High Street, Siparia Tel.: 649-2202 Fax: 649-2563 One Woodbrock Place, 189 Tragarete Road, Port of Spain Tel.: 622-7142 Fax: 628-6305 50 St. Vincent Street, Port of Spait Tel. 623-2576 Fax: 625-5446 Comer Cochrane Street & Eastern Main Road, Tunapuna Tel. 663-1209 Fax: 662-1835 Four Roads, Diego Martin Tel.: 637-9537 Fax: 633-9277 Movie Towne Financial Centre, Invaders Bay Tel.: 627-7641 Fax: 623-4188 27 Penal Rock Road, Penal Tel.: 647-6273 Fax: 647-6908 Bureau De Change, Fiarco Tel.: 669-5927 Fax: 669-5929 Lower Milford Road, Tobago Tel.: 631-1114 Fasc 639-0161 3.5 Carrington Street, Scarborough Tel.: 639-3111 Fax: 639-5857 The Courtyard, Windward Main Road, Roxborough Tel. 660-6810 Fax: 660-5126 First Citizens on the Internet: & www. firstcitizenstt.com or call 62-FIRST (623-4778) First Citizens for further information. ®@ 2011 First Citizens Bank