The St Vincent Building and Loan Association was incorporated on July 04, 1941 but began operations on January 03, 1941. We are owned and managed by Vincentians, for the benefit of Vincentians. We are located at Halifax Street, Kingstown, St. Vincent and the Grenadines. The Association was founded with the intention of providing Vincentians with a means to practice thrift through regular, systematic savings and a way to experience the joy and pride of owning their own home. Today, we are one of the largest mortgage providers in St. Vincent and the Grenadines. The Association offers a range of Services which include: Mortgages, Regular Savings, Super Savers, Fixed Deposits and Insurance.

CIBC FirstCaribbean's knowledge of banking has been gained through a combined experience of almost 250 years in the Caribbean through our heritage organisations, Barclays PLC and CIBC. Both have the distinction of being the oldest banks in the Caribbean. They were a part of the development of the region since the days of salt cod and rum. Many changes have been made since then. Tourism is the new export, and West Indian businesses are now taking on the world. FirstCaribbean will be there to make that goal possible. FirstCaribbean was formed in 2002 with the merger of CIBC West Indies Holdings and Barclays Bank PLC Caribbean operations. In December 2006, CIBC acquired Barclays stake and became the majority shareholder in FirstCaribbean. On June 20, 2011 we proudly announced that we will be co-branded under the CIBC banner, adopting the branding CIBC FirstCaribbean. The addition of CIBC to the FirstCaribbean brand emphasizes CIBC’s long-term commitment to the Caribbean region, our employees and our clients. Our clients and our employees across the Caribbean will continue to benefit from the long-term investment that CIBC is making in the Caribbean – a history that dates back to our first branches opened in 1920. CIBC FirstCaribbean will continue to operate as a Caribbean-managed business within the CIBC group of companies, and trades as FirstCaribbean International Bank Limited on the stock exchanges of Barbados and Trinidad.

Corporate Profile The St Vincent Co-operative Bank Limited opened its doors to business on 1st February 1945 and is one of the oldest indigenous financial institutions in St. Vincent and the Grenadines. At the time of opening, a penny was all that was required to start an account, and to date the Bank is known as ‘Penny Bank’ or ‘Forde Bank’ after its founder Ormond Forde. The relative ease of opening an account from inception has resulted in the St. Vincent Cooperative Bank now holding more Savings Accounts than any other financial institution in St. Vincent & the Grenadines. The St. Vincent Cooperative Bank is regulated by the Eastern Caribbean Central Bank (ECCB) and offers the following services: • Residential Mortgages • Savings Accounts • Fixed deposits • Consumer Loans • Commercial Loans • Life Insurance On All Loans Exceptional service has always been the foremost priority of the Bank in its quest to become a leading financial institution in the country. The Bank’s mantra, ‘Service beyond your expectation’, is reflected in its mission statement and implemented by a courteous, efficient and reliable staff.

Mission Statement To be customer-focused, innovative, and efficient. To be the preferred provider of superior financial products and services through caring, professional staff and appropriate technology. To exceed shareholder expectations and be a catalyst for development. Vision Statement Deeply rooted in the local community, we are the leaders in delivering a more unique banking experience through quality people, strong relationships, financial strength, sustained growth and integrity.