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ALERT YOUR FRIENDS WHEN YOU’VE SENT THEM MONEYHalt those unnecessary text messages, wasted phone usage and long lines in the bank. Our new Global Access 2.0 payment system allows you to add and modify the people you want to pay at the time you want to pay them. What’s also great is that when the payment is done, you can alert your friends with a personalised message through our platform.

ADD YOUR FAVOURITESInstead of having to enter the same information every time you make a transfer, our new payment system allows you to save your accounts as nicknames and favourites, for e.g: “Mortgage” or “Phone Bill”. With the click of a button, your transfer just got a whole lot easier.

First Global Bank's superior online banking system just got Better! The improved system has some

amazing New benefits, beginning with an enhanced user-friendly interface that still maintains our

unparalleled level of safety and convenience.

Take a look at some of the new benefits of Global Access 2.0:

GlobalWHATS NEW WITH Access 2.0

PAY YOUR BILLS ONLINEWith our new Global Access 2.0 platform you can sit at home sleepily in your pajamas sipping cold cereal while you pay all your utility bills online and on time. As an added bonus, you can choose to pay either with cash or via your credit card.

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Don’t be l ieve us? Exper ience i t fo r your se l f today !Log on to our Global Access portal at https://globalaccess.firstglobal-bank.com

CALCULATE YOUR RATEFinally found that new apartment you’ve been looking for, but not sure you can afford it? Sending money to a family member abroad and not sure of the current exchange rate? Our exchange rate and loan calculator make it easy to make these calculations in record time.

RECORD YOUR TRANSACTIONDo you need to keep records of your transactions for third party purposes? If you do, then you can download your transactions into easy readable formats such as Excel, PDF, OFT, QIF and MT940. This makes it easier for our customers who need to upload statements into accounting software e.g. Quicken. If you are representing a large company then this feature is for you!

FIND EVERYTHING IN ONE PLACESo many exhausting payment systems require that you have to call the customer care centre to find out the outcome of your transaction online. Well, now you can check everything; funds on hold, uncleared funds and even overdraft facilities in a single place. You can can also view your deposits, withdrawals and loans for the month on our platform.

SECURE ACCOUNT UPDATESOur platform also sends you alert messages to keep you up-to-date with your accounts. You can request different types of alerts ranging from Log in Alerts, Transaction Alerts to Balance Alerts. Our authorisation page also makes sure that the right alerts are sent to the right account holder.

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There's that sound again. That terrible clickity clank of your coins disappearing from your piggy bank. It would be nice to get a brand new car, but are you better off just fixing up your current ride? The answer to this question is clear, if you make an informed decision. Generally speaking, repairing a car is always going to cost less than replacing it. For most of us, buying a new car takes planning and saving—sometimes, for years. Fixing up your current vehicle keeps you on the road while giving you that time to do some research and budget accordingly. Of course, some repair costs are inevitable, even for a well-maintained vehicle. Some parts will need to be replaced simply because they wear out over time. You need to be realistic about your vehicle and its needs. Things like brake work, electrical systems and the transmission are all aspects of your car that will cost you some money to fix, but could become much bigger problems if ignored. Get your vehicle checked out regularly by a professional. Use your resources and ask around—the good thing about being a motorized society is that everyone knows someone who knows a good mechanic. Most of all, keep track of your spending! It’s generally accepted that a car loses 15-20 percent of its value per year. If your repair costs add up to more than the vehicle’s value or cost more than one year’s worth of monthly payments, it may be time to replace.

REPAIR OR REPLACE?

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Now, if you think that replacing your car is the way to go, the first question you need to ask yourself is obvious: What can you afford? Previously owned vehicles are generally much more cost-effective when compared to brand new models. Also, the scale of depreciation is much smaller as the process has already begun for used cars. However, it’s also important to consider that a used car could come with problems if it has not been properly maintained. In this case, it’s up to you as the potential buyer to go in with some knowledge. If you can, get a vehicle history report. If not, there are some quick and easy checks you can do to determine how much the used car is really going to cost you. Look for damage to the body and frame, such as rust or unnatural bends and curves. Rust can spread, and if it’s on the engine that’s a definite no-no. Look at the area around and under the car—spots or puddles on the floor’s surface indicate leaks. Take the car for a spin to check its alignment. All these things and more can give you a pretty good idea about how far along a used car is in the depreciation process.

New cars are definitely more expensive, but they come with their share of perks. They generally come with the newest safety features. Some purchasing packages will include roadside assistance and warranty options, which come in handy for repairs that will inevitably be required.

Decided on purchasing a new ride? This is where we come in—a First Global Loan Advisor can supply you with a wealth of information that will help get you in the driver’s seat faster. With some of the best interest rates in the market, and available financing of up to 95% of the value of a new vehicle, or 85% of a used vehicle, FGB is here to assist you every step of the way. Additionally, our loans are offered in Jamaican and U.S. dollars to ensure maximum convenience for our clients.

Let us reignite that feeling of freedom and hassle free travel while eliminating your financial stress.

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First Global Bank continues to extend its core

values of integrity and trust through participation

in national development initiatives. With a

focus on education, health and humanities, the

company has undertaken a number of projects

over the years in partnership with parent

company, GraceKennedy. These include support

of programs such as “Build Jamaica with Music”

in 2008, and numerous educational initiatives

including programs at Calabar Infant, Primary

and Junior High School, Tarrant Primary and

Junior High School and Seaward Primary School.

This year, First Global and GraceKennedy

have pioneerd a new initiative that sees

students from over 30 schools, both rural and

urban, participating in a 6-month long cricket

competition. Through this project, the School

Boy Cricket Competition, the companies have

been able to invest more than JA $10 million in

the development of our nation.

Additionally, First Global continues to support

the GraceKennedy Annual Education Run. The

event, which raises funds to support educational

programs in inner city communities, saw more

than 4,000 registered participants and raised

$2.4 million in 2014.

First Global Social Initiatives

“First Global Bank will continue to support and innovate initiatives that will foster growth and development in our nation’s children, as well as continue to encourage our GK community (staff, interns and affiliates) to ‘lend a hand where they can’.”

– Kerryann Ramdeen-Johns, Marketing Officer at First Global Bank.

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