Your Property & Investment

partner
Savings Accounts
CROSSOVER SAVINGS ACCOUNT

ThisisanaccountthatisuniquelydesignedfortheKenyanwhodesirestosaveforahomeoranyotherdreamsin
mind.
Itcanalsobeusedtoaccumulatesavingswithgoodinterestratereturnsforshort,mediumorlongtermpersonal
orcorporatefinancialgoal.Openingbalance:1000/=,OperatingBalance:5,000/

Benefits
LoyaltyPoints
Nomonthlychargesonthisaccount
Competitiveratestiereddependingonamountssaved.(1.5%to7%)
Accesstoupto100%mortgagefinancing,upto25%discountoncommitmentfeesandupto2%discount
onmortgageinterestwhenapplyingforamortgage*(dependingontheamountsheldintheaccount)
Features
Withdrawalsallowedonceinaquarter.
Easyqualificationwhenapplyingformortgageplusdiscountsoninterestrateandcommitmentfees
Redemptionofpointsforgifts
DepositmoneyintoyouraccountthroughmobilebankingwithAirtel

1 -HOP ACCOUNT (HOME OWNERSHIP SAVING PLAN)

ST

1stHOPisasavingsplanestablishedundertheCap470(IncomeTaxAct)ofthelawsofKenyaandisspecificallyfor

thosesavingfortheir1stHome.1stHOPoffersincometaxrebatesofuptoKshs.4,000savedontheaccountor
Kshs.48,000ayear.
1stHopOpeningBalance:Kshs.1,000

Benefits
Attractiveinterestratescalculateddaily
Lowopeningandoperatingminimumbalance(Kshs1000)
NowithholdingtaxoninterestearnedforbalancesuptoKsh3million*
Notax(PAYE)onamountssavedtoamaximumofKsh4000permonthorKsh48000perannum*
Features
Nowithdrawals
NoCharges

TREASURE SAVINGS ACCOUNT

Thisisachildrensaccount.Theaccountisdesignedtoallowyou,asparentsandguardiansputbountyasidefor
yourchildren.Thiswillthengrowintoasumthatcushionsyoufromthegrowingcostofeducationandalso
provideschildrenwithagoodstarttoadultlife.OpeningBalance:Kshs.500/=;OperatingBalanceofKshs.5,000/=

Benefits
Attractiveinterestrates
Onefreebankerschequeforschoolfees,medicalfeesorexpensestowardsdevelopmentofthechild
(onceperquarter)
Loyaltypointsandrewards:
FreeTreasurepiggyforsavingathome.
Discountsatselectedpartneroutletslikerestaurants,hospitals,enternaimentvenuesetc.
Abirthdaycardsenttothechilduntilhe/shereaches18years
AnnualTreasurefunday
Features
Onewithdrawalperquarter*
NoAccountmaintenancefee

Transactional Accounts
LENGO ACCOUNT
TheLengoAccountisdesignedforthediscerningsaverwhowantstoseehisorheraccountbalancegrowquickly.
Thisisanaccountwithrelativelylongtermhorizons.
OpeningBalance&OperatingBalanceofKshs5,000/=
Benefits
Attractiveinterestrates
EasyaccesstofundsandMobilebankingthroughAirtel
Ahighwithdrawallimit
Accesstoourhomeownershipproducts
Features
Unlimitedwithdrawal
NoAccountmaintenancefee
LowtransactionalchargesofKshs;50(OTC);Kshs.30(ATM)&Kshs.20/=fordepositingChequeorCash.

JUHUDI ACCOUNT
Thisaccountisdesignedforindividualswhowishtouseitforreceivingsalariesandotherpayments.
OpeningandOperatingbalance:Kshs.600/=
Benefits
Attractiveinterestratescalculateddaily
LowOpeningandoperatingminimumbalanceofKshs.600/=
EasyaccesstofundsatanyHousingFinancebranch
Features
Unlimitedwithdrawal
AlowaccountmaintenancefeeofKshs.50/=
LowtransactionalchargesofKshs;50(OTC);Kshs.30(ATM)&Kshs.20/=fordepositingChequeorCash
MobilebankingthroughAirtel

FLEXI ACCOUNT
Thisaccountisidealforregularsaverswhowanttoaccesstheirmoneyifneedarises
Itisrecommendedforpeoplewhowouldwishtooperatetheiraccountsonadailybasisandatthesametimeearn
interest.Itisidealforschools,professionalsandbusinesses.
OpeningBalance:Kshs.5,100
Benefits
Attractiveinterestratesthatisearneddaily
Ahighwithdrawallimit
Easyaccesstofunds
Flexibleaccountterms
Features
Inhousechequebook
Unlimitedwithdrawal
LowaccountmaintenancefeeofKshs.50/=
LowtransactionalchargesofKshs;50(OTC);Kshs.30(ATM)&Kshs.20/=fordepositingChequeorCash
MobilebankingthroughAirtel

Investment Accounts
HOUSING DEVELOPMENT BOND

Thisaccountisdesignedforindividualswhowishtosavetowardsahomeorasaninvestmentwhileearninga
higherinterestrate.Inaddition,only10%withholdingtaxischargedonthisaccount,thusofferinga5%savingon
tax.Theaccountalsoallowstheflexibilityofwithdrawalasthefundscanbefixedforagreedperiodoftimeof1
12months.

Benefits
AttractiveinterestratesthatarehigherthanSavingsAccounts
Accesstoourhomeownershipproducts
Flexibleinvestmentterms

CALL ACCOUNT
Thisaccountisdesignedforshortterminvestments.Itisidealforpersonsandorganizationswithfundsforspecific
projects,and,whowishtoearninterestwhileawaitingutilizationofthefunds.
OpeningBalance:Kshs.50,000/=

Benefits
Attractiveinterestratescalculateddaily
EasyaccesstofundsatanyHousingFinancebranch
Accesstoourhomeownershipproducts`

FIXED TERM DEPOSIT

Thisaccountisdesignedforindividualsorinstitutionswhowishtoinvestforaperiodoftimeearninginterestata
higherinterest.Theaccountalsoallowstheflexibilityofwithdrawalasthefundscanbefixedforagreedperiodof
timeof112months.Belowareourcompetitiveratesthatareupdatedasperprevailingmarketrates.

Account opening requirements:

1. AcopyofyourNationalID/PassportorBirthcertificate(forTreasureaccountholders)andarecentpassportsize
photograph
2. Adepositequaltoorexceedingtheminimumamountrequired
3. Aletterofintroductionfromanexistingaccountholderorreferenceletterfromyouremployerorbanker
4. Aconfirmationofphysicaladdressthrougheitheranutilitybillabankstatementorbytheaccountintroducer.
5. Forfurtherinformationpleasevisitthenearestbranch.

*Termsandconditionsapply.