This is a program designed to enable our members with a view of making major development e.g. house building, land purchase or any other asset financing etc to qualify for bigger amount of loan.

1. A member under this program enjoy similar loan terms as any of the above loans i.e. development, special loan
2. The only difference is the multiplying factor of one’s deposits plus shares which is four (5) times for a preferential and ten (6) times for premium members.
3. The member must fill an agreement form at the time of entering the contract
4. The member must capitalize the dividends/interests so declared on deposit/shares contribution for three (3) consecutive years for preferential members and for four(4) consecutive years for premium members.
5. The members qualify for loaning in the first year of dividends/interest forfeiture.
6. 6. Where such member does loan top up under similar terms and conditions then the number of years to forgo the dividends/interest starts count from year preceding the top up.
7. 7. After the lapse of the capitalization period, the member starts enjoying the dividends/interests.