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[Music] [Music] hi and welcome to eccb connects this week well be looking at banking services well explore the types of accounts that are available to you the citizens and residents of the Eastern Caribbean currency Union and well examine some common banking terms as it relates to your savings account stay with us well continue in a moment [Music] [Music] [Music] thank you thanks for staying connected with us Our Guest this week wears several hats hes Mr Baldwin Taylor general manager of the bank of Montserrat hes also the secretary of the Antigua and Barbuda and Montserrat Bankers Association and the secretary of the eccu bankers Association Mr Taylor welcome to eccb connect thank you very much today of course were going to talk about an interesting issue banking banking service of course is very important to the people of the Eastern Caribbean currency Union our people are very serious about their wealth and most individuals and Families store their wealth at our commercial Ba