Warm greetings on behalf of the Board and the Management team. As you all persevere to deal with the numerous challenges you are faced in your work
environment, we continue to endeavor to make life easier for you by meeting your financial needs to the best of our ability.

We regularly advise members to exercise prudence in financial management. There are numerous lenders in the market that make borrowing sound easy and
very tempting. Wage earners end up in extreme financial difficulties meeting loan repayments with exorbitant interest rates. This has prompted the authorities to enforce the rule that the take home pay for employees after all deductions must not be less than 50%. It could be 25% incase of housing loans