• Gives a member shareholding/ownership rights.
• KSh 30, 000 per member (minimum) payable one-off or in 12 equal instalments.
• Earns dividends annually.
• Shares are transferable to other members upon exit.

Authorisation Form All products editable

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• Minimum monthly deposit: KSh 2,000.
• Entitles members to loans up to three and half times their deposits.
• Earns interest annually.
• Deposits are reimbursed upon exit.
FREE deposit cover for all active members. Upon the member’s demise, beneficiaries will receive an additional deposit amount equivalent to what the member had saved. The maximum top-up is Ksh 5 million.

In Addition, the Next of Kin will also receive Ksh 200,000 to cater for funeral costs upon the member’s demise.

Authorisation Form All products editable

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Next of kin details

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• KSh 1,000 minimum monthly or periodical lumpsum.
• Minimum saving period: 12 months.
• Attracts interest per annum.
• Minimum interest earning balance: Ksh 5,000.
• The account is operated by the parent or guardian (child’s birth certificate is required).
Withdrawal Terms:
• Full or partial withdrawal is allowed after term maturity (12 months from the fixing date). Member to give written instruction through the savings withdrawal form.
• Member to give written instruction in case they want to roll over the principal or principal plus interest to a new fixed term. If no instruction is given, the amount will be rolled over automatically for the same duration

Junior Savings Account application form

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• KSh 2,000 minimum monthly or periodical lumpsum.
• Attracts interest per annum.
• Member to select a fixed saving period from 1 to 12 months at the time of opening the account.
• Member to give written instruction in case they want to roll over to a new fixed term. If no instruction is given, the amount will be rolled over automatically for same duration.
• Full or part withdrawal allowed after term maturity

Holiday and Property Savings Application Form

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• KSh 2,000 minimum monthly or periodical lumpsum.
• Attracts interest per annum.
• Member to select a fixed saving period from 1 to 12 months at the time
of opening the account.
• Member to give written instruction in case they want to roll over to a
new fixed term. If no instruction is given, the amount will be rolled over
automatically for same duration.
• Full or part withdrawal allowed after term maturity

Holiday and Property Savings Application Form

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• Minimum fixing amount: Ksh 50,000.
• Fixing period options: 3, 6, 9 & 12 months.
• Guaranteed rate of 8% per annum.
• Interest is forfeited if withdrawal is done before period maturity.
• Principal amount and interest can be rolled over to a new period

Fixed Deposit Application Form

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