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Now you can pay with your HSBC Credit and Debit Card using Apple Pay TM

Apple Pay is the easy, secure, and private way to pay with a simple touch.

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Concierge Services

As a valued Premier customer, we recognize that your time is valuable and you need easy access to services that can help simplify your busy life. With Premier World MasterCard Concierge Services 1. let us make your dinner reservations, purchase tickets to events, coordinate business arrangements worldwide, locate hard-to-find items, buy and deliver gifts and much more. For convenience, the cost of goods or services can be billed to your Premier World MasterCard . To learn more, speak to an HSBC Premier Concierge representative any time, any day, by calling 888.314.5132.

MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated.


How to Apply for PNB Housing Loan – Requirements – Banking 920 #cash #advance #loans


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Do you want to apply a housing or home loan with Philippine National Bank (PNB) Sure Home Loan. Just follow the procedures below.

(Picture) PNB Sure Home Loan

PNB created the Sure Home Loan program to cater the housing needs of their clients.

Procedures for Applying Housing Loan in PNB

  1. How to apply for Philippine National Bank (PNB) Sure Home Loan?
    • Have a personal appearance to a PNB branch.
    • Apply for Sure Home Loan
    • Fill out and sign the application form completely
    • Submit complete requirements together with the application form to your nearest PNB Branch
  2. I am a Filipino working abroad, can I apply for a housing loan?
    • Yes. You may opt to submit your loan application form and requirements at our PNB Branches outside the Philippines (please refer to our list of PNB Branches) or at any PNB Branch in the Philippines.
  3. What fees do I have to pay?
    • An application/appraisal fee has to be paid upon submission of the application form complete requirements
    • Upon approval of the loan the following loan charges will be charged:
      • Mortgage Registration fee
      • Processing Fee
      • Mortgage Redemption Insurance Premium
      • Fire/ Lightning/ Earthquake Insurance Premium (for collateral with improvements)
  4. I am formerly a Filipino citizen and now a citizen of another country, can I still apply for a housing loan?
    • Yes.
  5. I am a Filipino relying mainly on a foreigner-spouse, can I still apply for a housing loan?
    • Yes, but your spouse’ income should come from employment here in the Philippines.
    • On a case to case basis, if based abroad, we should be able to verify the submitted proof of income via our overseas offices. Income considered is only from employment.
  6. I am separated, can I apply for a housing loan?
    • If you are legally separated and can submit certified true copy of court decision of your separation, we can process the loan without requiring your estranged spouse to sign on all loan documents. However, if you are not legally separated, your estranged spouse have to sign on all the loan documents
  7. If I am applying for a construction loan, how will it be released to me?
    • For construction loan and major home improvement, the release is on a staggered basis. The loan release will be in accordance with the required percentage completion of the building. Construction period is only for one (1) year, otherwise, the Bank has the option to call your loan due and demandable

REQUIRED AT ALL TIMES

  • HOUSING LOAN APPLICATION FORM (duly accomplished)
  • Photocopy of 2 valid ID’s
  • Appraisal Fee of P3,300 – non-refundable
  • If with co-maker/co-borrower/attorney-in-fact, separate application form is needed

IF EMPLOYED:

INCOME DOCUMENTS

  • Photocopy of company ID
  • Photocopy of the latest 2 years Income Tax Return (ITR)
  • Certificate of Employment and Compensation
  • Alien Certificate of Registration (ACR) and Official Receipt (if resident alien)

Overseas Filipino Worker

  • Photocopy of Passport
  • Contract / Certificate of Employment (COE) approved by the POEA, if applicable, authenticated by the Philippine Consulate (if direct hired)
  • Proof of inward remittance thru PNB or other banks
  • Crew Contract and Exit Pass from POEA (for seamen only)
  • PNB-prescribed Special Power of Attorney (SPA), if applicable
  • If husband or wife is abroad, to be authenticated by the Philippine Consulate

FOR THOSE BASED IN:

KINGDOM OF SAUDI ARABIA:

  • The certificate of employment salary should be stamped by the Saudi Chamber of Commerce and
  • Authenticated by the Philippine Consulate

USA US TERRITORY:

  • The certificate of employment salary should be authenticated by the Phil. Consulate
  • Loan applicant to fill-out the Bank’s Credit Information Authority and pay $50.00 for the Experian Report in PNB-Los Angeles Desk Office located at #3345 Wilshire Boulevard, Suite 200, Los Angeles, California 90010, USA

Contact Nos. 323-802-8001

Telex No. 6502253656

Fax No. 213-401-1803

Contact Person: Rowena Tabuzo

  • The certificate of employment salary should be authenticated by the Phil. Consulate
  • Loan applicant to fill-out the Bank’s Credit Information Authority and pay L85 for the Equifax Report in PNB-Europe Desk Office located at G/F Old Change House, 128 Queen Victoria St. London, EC4V 4HR, United Kingdom

Contact nos. 207-3971-340/ 41; 377/397

Telex Nos. 883981/ 8812797

Fax No. 207-653-1403

Contact Person: Gloria Alwis

JAPAN:

  • The certificate of employment salary should be authenticated by the Phil. Consulate and should be with English Translation

FOR OTHER COUNTRIES:

  • Certificate of Employment Salary authenticated by the Phil. Consulate
  • Proof of inward remittance thru PNB or other banks
  • Crew Contract and Exit Pass from POEA (for seamen only)

IF SELF-EMPLOYED:

  • Photocopy of ID (SSS / GSIS / Driver’s License / PRC License)
  • Business Name (DTI) or SEC Registration
  • Articles of Incorporation and By-Laws with SEC Registration Certificate, if applicable
  • Financial Statements / Income Statement for the last 3 years
  • Photocopy of the Income Tax Return (ITR) for the last 3 years
  • List of Trade References (Suppliers / Customers)

PRACTICE OF PROFESSION:

  • Clinic Address/es, schedules and contact numbers (for doctors)
  • Bank Statements for the last six (6) months

IF FROM COMMISSION:

  • Vouchers or Bank Statements for the last six (6) months reflecting commission income

IF FROM RENTAL OF PROPERTIES:

  • Submit photocopy of Lease Contracts / TCT’s of Earning Properties
  • Bank Statement for the last six (6) months

IF FROM TRANSPORT BUSINESS:

  • OR / CR
  • LTFRB Franchise
  • Business paper / registration
  • ITR for the last two (2) years
  • Bank Statement for the last six (6) months

COLLATERAL DOCUMENTS

  • Two (2) sets of clear photocopy of TCT / OCT / CCT (all pages including blank pages with the book and page / volume number indicated on the front page)
  • Lot Plan with Location / Vicinity Map certified by a licensed Geodetic Engineer
  • Photocopy of the latest Tax Declaration / Realty Tax Receipts / Tax Clearance
  • Master Deed of Declaration Restrictions (for Condominium)
  • For construction / renovation purposes:
  • Building Plans (complete set) duly signed by a Civil Engineer / Architect
  • Bill of Materials / Specifications / Cost Estimates duly certified by a Civil Engineer / Architect
  • Scope of Work (for renovation)
  • Building Permit
  • Deed of Absolute Sale or Contract to Sell (purchase of lot / house and lot)

FOR REFINANCING

  • Current Statement of Account
  • Official Receipt or cleared checks on amortization payments made or Passbook / Bank Statement where the monthly amortization payment is debited (at least 6 months)

Bank accounts for seniors: A look at some options #seniors #banking, #engen, #bank #accounts


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Bank accounts for seniors: A look at some options

Banks are required to offer a low-cost, no frills bank account and until recently, all five major banks in Canada promoted free banking for seniors.

That changed last year when TD stopped offering free accounts to its older customers. Instead, TD gives customers age 60 and older a 25 per cent discount on their monthly fee. But it’s not automatic. You have to ask for it.

The big banks often move in lock-step, but the others have yet to join TD. Bank of Montreal and Royal Bank offer free basic accounts to seniors and they’ll automatically apply a $4 seniors discount once you turn 60. Customers of CIBC and Scotiabank must request enrolment in the senior’s banking plan to qualify for a free account, plus to get other benefits and discounts offered to seniors.

Article Continued Below

Scotia has the best offering for seniors because you can access their Scotia Plus plan a year sooner than with the other banks. At the same time, you get unlimited transactions, free personalized cheques, free money orders and drafts, commission-free traveler’s cheques and free paper statements.

While TD promotes its senior’s rebated accounts online, the cheapest of these plans starts at $8.20 per month. TD customers with basic banking needs are better off with the everyday Value account, which gives you 10 free transactions for a low monthly fee of $3.95 (waived with a minimum $1,500 balance).

Many credit unions offer free seniors plans, but the limited access to branches and ATMs can be a barrier.

Information about senior’s banking options is also hard to find online.

“It’s nearly impossible to find information about senior’s accounts on the banks’ websites so we recommend you visit your branch and ask them in person,” says Susan Eng, vice president at CARP, an organization that advocates for aging Canadians.

A recent CARP survey of nearly 4,700 members found that 92 per cent feel banks should offer reduced fees for seniors because many are on fixed incomes and banking is an essential service with few options.

But for many boomers heading into retirement, receiving a discount isn’t top of mind.

“Some of our members feel that age-based discounts single seniors out as poorer than others and that few seniors actually need free banking,” says Eng.

As our population ages and the banking sector moves away from offering free services to seniors, perhaps a means-tested rebate is the answer. This way, seniors of limited means who need a no-frills account to do their banking can still have a free, or low cost option.

One thing is certain; the big banks should tread carefully. The CARP survey also found that when members were asked if they’d take their business elsewhere if their bank stopped offering no-fee accounts, 75 per cent responded yes, whether they needed a no-frills account or not.

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India – s First Premier Cord Blood Bank, Cryoviva India, stem cell banking companies.#Stem #cell #banking #companies


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Referral

Gift health and happiness to your loved ones. Refer your friends to Cryoviva India and ensure a healthy future for their next generation.

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Pregnancy

All that a mom needs to know from pregnancy tips, to infant care, Mom’s corner is a repository of easy to use information for the present day moms.

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Pregnancy

Keep a track on your pregnancy progress. Use our handy tool to calculate your due date, important milestones and more!

Product Range

Widest range of Product Offering Cryoviva India, only Indian multinational stem cell bank in India that offers the widest range of products to match every customer need.

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Blessing

A newly designed product that offers expectant mothers to opt for stem cell banking, ensuring that once in a lifetime opportunity is not missed.

Cryo Supra

Cryo supra is a supreme product range that comes with a blend of all best in class technologies available in stem cell banking industry.

A ”Numero Uno” in its field that offers our clients best of ready to use

Our Technology Partners

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Cord Tissue Processing- EXPLANT

The Proprietary “Explant Technique” used by Reviva Cell is a non – enzymatic method of culturing the tissues in most natural condition, to ensure a better yield of highly viable cells for effective therapeutic applications .

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Cord Blood Processing- SEPAX

The first fully automated stem cell processing device available for cord blood processing and the first to be cleared by the US FDA is today the industry standard with more references in scientific publications than.

About Cryoviva India

Cryoviva Biotech Private Limited (Formerly known as Cryobanks International India Pvt. Ltd.) Founded in 2006 by RJCorp. The company is focused on providing high-quality umbilical cord blood stem cell processing, and storage for both private and public donation purposes.

Based at Gurgaon with networks in all the towns of India provides a high end processing and storage technology which are approved by International authorities. Cryoviva India has spread beyond the shores to Thailand, Singapore, UAE, Nepal, Bangladesh and East Africa making it the only Indian Cord Blood bank available in International Market. Cryoviva India has set up 28,000 square feet, state-of-the-art stem cell processing and banking facility in Gurgaon Haryana.

Success Stories

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The promise of stem cells in the prevention and treatment of many diseases, including cancer, is so immense that it would be almost irresponsible for research on this technology to be marginalized.

Ms. Anjali Bhardwaj

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Doctors Trust

I strongly recommend that all expectant parents ask their doctor about the lifesaving potential of cord blood. Today, cord blood is being used to treat such life-threatening diseases as leukaemia and other cancers, as well as certain blood and immune disorders that formerly situated a bone marrow transplant.

Dr. Marianne Neifert, Pediatrician

The promise of stem cells in the prevention and treatment of many diseases, including cancer, is so immense that it would be almost irresponsible for research on this technology to be marginalized. [We] should also never lose sight of the tremendous life-saving possibilities of this technology.

Dr. Joseph Bailes, President Elect of the American Society of Clinical Oncology before the House Committee on Appropriations.

Cord blood stem cells might be suitable for transplantation in neurodegenerative diseases, gene delivery to the central nervous system, and repair of brain and spinal cord injuries.

Juan R. Sanchez-Ramos, Shijie Song, Siddharth G. Kamath, et. al. Experimental Neurology, 171, 2001

I was diagnosed with Hodgkin’s Disease last year and was like anyone else overwhelmed with the treatment process. As a mother of one, I wish that I was made aware of the wonderful option to bank cord blood when my son was born. I have vowed to myself and the memory of .


Compare the Best Credit Unions – Location – Interest Rates #credit #union, #credit #card, #banks, #financial #institution, #fdic, #loans, #credit #score, #cash, #consumer #banking, #bank, #online #banking, #federal #union, #union #bank, #secu


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Credit Unions

Membership Type

A credit union’s charter dictates eligibility based on factors such as common employment, association or residence. Check with the credit union you are interested in to confirm your eligibility. If you are not eligible, many credit unions allow membership through family members, a spouse or friends who are participants. Eligible members must join by submitting an application and purchasing one share in the union. The credit union determines the cost of one share, but expect rates to be around $5-10. By purchasing one share, members own a piece of their credit union and can vote in officer elections.

Net Worth

Credit unions are assigned a Net Worth Classification by the National Credit Union Administration (NCUA) that acts as an indicator of the risk involved in that union as well as its financial stability. The classification is based on the total assets of the credit union and a risk assessment of the its investments. These are the classifications assigned to credit unions by the NCUA.

  1. Well Capitalized: the credit union has a net worth ratio of seven percent or greater and meets any applicable risk-based net worth requirement under §§702.103 through 702.108.
  2. Adequately Capitalized: a credit union has a net worth ratio of at least six percent but less than seven percent. It also meets any applicable risk-based net worth requirement under §§ 702.103 through 702.108.
  3. Undercapitalized: the credit union has a net worth ratio of at least four percent but less than six percent. It does not meet any applicable risk-based net worth requirement under §§ 702.103 through 702.108.
  4. Significantly Undercapitalized the credit union has a net worth ratio of at least two percent but less than four percent or a net worth ratio of at least four percent but less than five percent, while either failing to submit an acceptable net worth restoration plan within the time prescribed in § 702.206, or failing to implement a net worth restoration plan approved by the NCUA Board.
  5. Critically Undercapitalized a credit union has a net worth ratio of less than two percent.

Type

Both Federal Credit Unions and Federally Insured State-Charted Credit Unions (FISCUs) receive the same insurance coverage by the National Credit Union Share Insurance Fund (NCUSIF). The NCUA, however, defers responsibility of state-chartered credit unions to state supervisory agencies.

The U.S. government insures deposits in federal credit unions up to $250,000 under the National Credit Union Share Insurance Fund (NCUSIF). Provisions in the Federal Credit Union act’s bylaws also protect member savings.

The chart above displays the percentage breakdown of type across all Credit Unions on Credio.


Online Banking Access #nc #online #banking


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Where Do I Enter My Password?

As part of our enhanced security program, you are required to validate your identity by delivering a Secure Access Code to a telephone number stored within First Bancorp’s Online Banking system. You will then be given the opportunity to register the computer for future use.*

Enter your User ID and click Login. On the following pages you’ll be asked to enter your Password and validate your identity. To validate your identity and be given the opportunity to register your computer, you will need to receive and enter a Secure Access code.

  • Choose the delivery method for your Secure Access Code – you can choose to receive a phone call or text message – and click Continue
  • You should receive your Secure Access Code within a minute.
  • Secure Access Codes are good for 30 minutes at a time and for one time use only.
  • Secure Access Codes should not be confused with a password.
  • If you do not recognize your phone numbers, please call Customer Service at 866-792-4357.

Finally, you can choose to register and activate your browser for later use or give one-time access on the computer you are using.

  • Activate this computer for later use. (Should be used on a personal computer you intend to use on a regular basis.)
  • Give me one-time access only, do not activate this computer. (Should be used when accessing a computer in a public location such as a library or a computer you don’t intend to use regularly.)

*From time to time, even though a computer has been previously registered, it may become necessary to register the computer again.

Online Banking Access

Enter your username to access your First Bank accounts online. You will put in your password on the next screen, after clicking Log In below.

System Maintenance

We’re excited to welcome Carolina Bank clients to First Bank on Monday, Aug. 7. As we complete the transition and update our systems this weekend, please note that our online, mobile, and telephone banking services will be temporarily unavailable from 1 pm on Saturday (Aug. 5) to 9 pm on Sunday (Aug. 6). Our apologies for any inconvenience this may cause.

Don’t have an online banking account? Sign up now.

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small business startup loans in sanford nc A small business startup loan from First Bank gets you open for business.

small business loan rates albemarle nc Are you considering applying for a small business loan? Visit First Bank in Albemarle, NC, today to consult with one of our loan officers about our affordable small business loan rates.

personal loan rates asheville nc Personal Loan Rates – Asheville, NC – First Bank: First Bank in Asheville, NC provides personal loans tailored to meet your needs. Our personal loan rates are some of the most competitive around.

Searching for the best checking account in North Carolina can be difficult if you aren t sure where to begin. Lucky for you, First Bank has multiple locations across the state of North Carolina that offer a variety of checking account options. To make your search easier, try asking yourself specific questions to determine what checking account features are important to you. Once you ve found a bank that offers checking accounts with those specific features, you can look at what each one will cost you, and find out if there are ways to keep them fee free.

If you are thinking about opening a small business in Albemarle, North Carolina. First Bank can provide you with a small business loan to get you started. Albemarle offers lower utility rates, real estate, construction costs, and living costs than other nearby areas. The city is also located less than an hour away from the busy metropolitan area of Charlotte, making it a great spot for economic development.

Simplify the process of learning how to get a personal loan in North Carolina by setting up a consultation with one of our experts at your local First Bank branch .