OCTOBER 19 - NOVEMBER 19, 2020

THE WEEKLY GLEANER | OCTOBER 15 - O CTOBER 21, 2020 | www .jamaica-gleaner.com | II18 RETURNING RE SIDENTS FEATURE THE WEEKLY GLEANER | OCTOBER 19 - NOVEMBER 19, 2020 | www.jamaica-gleaner.com | V ICTORIA MUTUAL Group was founded on the dreams of a group of clergymen who wanted to create a more equal society where hard-working but economicallymarginalised Jamaicans had access to homeownership and could achieve financial well- being. The business has grown over the years with increased offerings and a reach that has expanded across oceans and seas to meet members’ needs, wherever they are in the world. What has remained consistent, however, is the purpose of the business, which continues to be helping our members and clients to own their homes and achieve financial independence. Victoria Mutual today is a trusted partner for Jamaicans and Friends of Jamaicans living abroad and on the island. STRONG INTEGRATED FINANCIAL GROUP Victoria Mutual Group includes: The Victoria Mutual Building Society, Victoria Mutual Wealth Management, Victoria Mutual Pensions Management, Victoria Mutual Property Services, Victoria Mutual Money Transfer Services and VM Finance (UK). British Caribbean Insurance Company is an affiliate company. The wide range of the group’s offerings enables the team to empower Jamaicans in different ways. And the team is committed to the cause. SERVING MEMBERS AT HOME AND ABROAD VMoperatesOverseas Representative Offices in Brixton, Tottenham and Birmingham in the United Kingdom; as well as Florida and New York in the United States. The group also has a strong brand presence in Canada. VM’s Overseas Representative Offices serve members of the diaspora, including those who plan on returning to live in Jamaica, in important ways. They offer information onVM’s savings and loan products and services; accept documents for the processing of mortgage applications for purchasing property in Jamaica and handle general queries. This means that returning residents can contact a VM Representative Office in advance to begin the process of accessing savings and loan products, including mortgages and car loans. SAVING WITH VMBS As a Mutual Financial Institution, VM savers have a unique advantage. VM is owned by its members, and not shareholders, so the business’ surplus goes back into delivering greater returns tomembers through lowor no fees and highly competitive savings rates. Here’s what this means for you:  You start earning interest on lower minimum balances than most other financial institutions  You are NOT charged to have an account (yes, others charge you for this), so your funds remain in your account, earning interest  We have never charged dormant fees on accounts, so your funds stay in your account and continue to earn interest  As a VMBS saver, you can access your accounts at any MultiLink ABM, with a VMBS debit card for free  As a saver, you get additional benefits when you apply for a mortgage at VMBS. MORTGAGES VM’s mortgages are also offered at very competitive rates and the team of experts has all the information to help returning residents hit the ground running for the new chapter of their lives back on the island. AUTO LOANS The VM Drive Auto Loan was introduced in 2018 and has proven to be a hit. Members are able to access up to 100 per cent financing, access discounts on auto insurance while making low monthly payments. The return to Jamaicawill be somuch sweeter with no restrictions onmovement. FromNegril toMorant Point, the island is waiting to be explored. VM’s Chief Representative Officer for the diaspora, Leighton Smith, said the group was fully equipped and ready to help returning residents transition smoothly, with easy access to life-improving financial products and services. “VM’s overseas offices allow returning residents to get a head start on resettling comfortably in Jamaica. This makes the entire experience more enjoyable, as it should be. It’s part of our group-wide commitment to offer the best products and services in the most convenient ways,”he said.“VM also puts a lot of effort into providing financial education, which is the motivation behind the diaspora web expo series taking place this month (October 17 and 31). We want our members to be empowered to make the decisions that are right for them. This will also help returning residents navigate the transition, and it’s part of our pledge to be a partner for our members in all phases of their financial lives.” For more information, please contact any of our Representative Offices, or the VM Member Engagement Team: Toll Free (from Jamaica): 1-888-YES- VMBS (937-8627) Toll Free (from USA/Canada): 1-866-967-VMBS (8627) Free Phone (from UK): 0-800-068- VMBS (8627) By Email: manager@myvmgroup. com A trusted partner at home or abroad VICTORIA MUTUAL GROUP