1. KATH CO-OPERATIVE CREDIT UNION LIMITED

2.  Komfo Anokye Teaching Hospital Co-operative Union Limited was formed on the 24 th of April, 2002 as a non-banking financial organization that offers financial services to its registered members in the form of deposits and loan schemes.  The Union is registered under the Co-operative Decree of 1968 (NLCD 252), with registration number AR/NC/498 and it is also affiliated to the Ghana Co-operative Credit Unions Association (CUA) Limited. The main office of the Credit Union is located at Komfo Anokye Teaching Hospital in Kumasi.  The Credit Union is governed by a Five (5) member Board of Directors and supported by Three (3) member loans committee, Five (5) member education committee and a Three (3) member supervisory committee. HISTORY

3. HOW TO BECOME A MEMBER  MUST BE A STAFF IN THE HEALTH SERVICE  REQUIREMENT: Initial Deposit - Staff and Spouse is Thirty Ghana Cedis (GH30.00) i.e.Ten Ghana Cedis (GH10.00) as Entrance Fee, Ten Ghana Cedis (GH10.00) for Share and Ten Ghana Cedis (GH10.00) for Savings -Youth Savings is Thirty Ghana Cedis (GH30.00) i.e. Ten Ghana Cedis (GH10.00) as Entrance Fee, Ten Ghana Cedis (GH10.00) for Share and Ten Ghana Cedis (GH10.00) for Savings  One passport picture  Any Valid national ID

4. FULL MEMBERSHIP  MINIMUM SAVINGS PER MONTH - GH50.00 SNR STAFF - GH20.00 JNR STAFF  MINIMUM SHARES - GH500.00 FOR SNR STAFF - GH200.00 FOR JNR STAFF INTEREST OF SAVINGS  NORMAL SAVINGS IS 6% - 10% EVERY SIX MONTHS  THE YOUTH SAVINGS ATTRACTS 2% INTEREST HIGHER MODE OF SAVINGS  CASH  POSTDATED CHEQUES  SOURCE DEDUCTIONS

5. LOAN ASSESSMENT  LOANS WITHIN SAVINGS  Rate 6.5% per annum, 1% reducing balance  EMERGENCY LOAN  Requirement:- MUST BE SOURCE DEDUCTION MUST HAVE MINIMUM SHARES Rate 32.50% per annum, 5% reducing balance.

6.  NORMAL LOAN  Requirement:- TWICE OF YOUR SAVINGS MUST HAVE MINIMUM SHARES MUST BE A MEMBER FOR THREE (3) MONTHS A GUARANTOR WHO IS A MEMBER OF THE UNION  Rate 16.25% per annum, 2.5% reducing balance.  LOAN PROTECTION PLAN (LPP) - The insurance policy protects the members and their families against financial losses and difficulties when a credit union member dies or suffers disabilities. The premium for this insurance is paid by the member.

7. RISK MANAGEMENT- LIFE SAVINGS  KATH CCU shall insure all members savings. The insurance/ benefit would be paid to the family or the beneficiary(ies) of the deceased. When a member dies, his/her savings balance shall be doubled and paid to the beneficiary(ies). The higher your savings, the higher your benefits.

8. CONTACT WEBSITE: www.kathccu.com Email: kathccu@yahoo.com Tel.: 0322049173

9. COME JOIN THE HAPPY FAMILY