First National Bank sal has joined with Zurich International Life LTD, one of the world's leading financial service providers, to offer you superior financial planning options to secure your future and meet your financial goals.

Have you:

• planned for your children's educational expenses?
• made financial arrangements for after your retirement?
• thought about your family's financial future?
• explored your investment options?

Assuming a university student's tuition fees and living expenses may amount to $15,000 per year and with a 3% inflation rate, the forecast fees for 4 years of education after 15 years would be as follows:

In 2018 $ 23,834
In 2019 $ 24,549
In 2020 $ 25,286
In 2021 $ 26,044
______________
Total $ 99,713

In order to prepare for these expenses, you must invest a lump sum of $21,602 or start saving $237 per month.

If you are 30 years of age and invest $150 per month, at retirement age you will have invested $63,000 and your fund value will be $402,951 (assuming a 10% net rate of return and $141,344 at 5 %).

If you are 30 years of age and invest $2,000 per year, your fund value will be $59,053 when you are 45 years of age (assuming a 10 % net rate of return and $39,376 at 5%).

By investing $15,000, the minimum investment required for Elite International Bond: