1. UNS-SACCO PRODUCTS AND SERVICES WELL COME TO THE UNS-SACCO ANNUAL MEMBER BASED TRAINING ONE A MEMBER ALWAYS A MEMBER

2. Products & Services UNS-SACCO has a competetive,flexible and affordable products for its members and being a center for innovation it is still committed to develop more products and services which are directly oriented to improve members welfare. FIXED DEPOSIT. This is a risk free and high interest product for our members to invest and earn quick returns. The interest range from 9-17% depending up on the amount and period

3. Credit/loan Products Loan products:UNS-SACCO has short term, medium term and long term products. Its at liberty of the member to choose any product at any time. -Ordinary loan 25*16*24 -Ordinary loan 10*13.5*24 -Express Loan 4*3*6 -Emergency Loan 2*2*4 -Week end loan 1*4*3 -Development loan 50*23*60 -Dividend loan 75%*Total Dividends to be earned. -Land (Plots at the SACCO Village) Members need to prepare for acquisition process. Loan Basic requirements 1.10% shares 2.Cumulative savings *3=Loan amount. But there is waiver on short term loans. Advanced requirements. For Development loan. 1.Registered security. 2.Five times shares and savings combined=Loan amount

4. Savings and shares Savings Accounts Ordinary/free savings -10 shares &20,000 M/ship fees. Golden Savings –Spouses/Employed -100 shares &500,000 Savings Watoto-Below 18 years -30 shares &200,000 savings Silver-Dependants -50 shares and 300,00 Savings The interest on savings is 3% per annum.This is because of the lowest loan interest rates. The higher the interest rate the higher the rate of interest on savings and the reverse is true. Shares. Shares constitute the SACCOs s core capital, The more shares members buy,the bigger the SACCOs capital base. Each shares is 10,000 and a member can buy a maximum of 1/3 of the Authorized share capital which 200,000 shares at 10,000@.

5. FAQ=Should I invest in shares or savings? Shares and savings are major loan basic requirements at UNS- SACCO. Shares increases the SACCO capital base while savings increases liability Savings and shares provide cheap source of funds for on lending to UNS-SACCO members. For members, The more shares you have determines the amount of dividends. Interest on Savings is an operational cost and fixed. Liability of members is limited to shares but not savings. Savings caters for un fore seen future occurrences while buying shares is a long term or life investment. Free savings withdraws and notice of 3 months for sale of shares.

6. Services Center for free business training Business networking Letters of recommendation-VISA Exchange visits. Internet based transactions/Money transfers. Training of the Executive Board (Governance and leadership practice) Financial counseling.

7. UPDATES For constant updates visit:www.uns-sacco.org For any inquiry : Info@uns-sacco.org.Info@uns-sacco.org THANK YOU Denis TUKAHIKAHO General Manager Executive MBA BBA-Banking and Finance. Diploma-Q-Economics.