AFRICA POOLING RESURCES TOGETHER

 SACCO SOCIETY LIMITED

                       “Financially Transforming Africa Together”

Welcome To Lifetime Financial Prosperity

High Yield Investment Shares.

A new shift in investment.Securing your future.

I am a member                                                                                   Buy Kenya,

I am a shareholder                                                                 Build Kenya

I am an owner                                                                                   Improve the economy

I can do it                                                                                          Create employment

We can do it                                                                                      Enjoy the power of many

                                   Secure -High yielding-  Assured Liquidity

 ABOUT US

APRT SACCO is a cooperative society registered with the ministry of Industrialization, department of cooperatives in the Republic of Kenya. We are a credible institution offering financial and investment services raging on business loans, youthloans, investment loans and operating a money garden initiative of uplifting peoples’ lives. APRT SACCO prepares its clients through financial education to have an attitude of expecting to succeed, encouraging one another on the way to success and following their dreams and plans for their business and families. Employees of the Sacco have a strong passion and quest for facilitating clients towards achieving success, personal and team professionalism, institutional viability and financial sustainability. Fundamentally, it is through APRT SACCO success that clients and their communities will succeed and vice versa.

OUR CORE VALUES:

We focus our energy and attention on providing our clients with the products, services and solutions that suit their financial need. The foundation underlying these priorities is that everything that we do for our customers and our people is based on sound business principles.

We believe that in teams, we shall achieve much greater success than as individuals.

We act with the highest regard for the dignity of all people .We demonstrate respect for all people and for the values and principles of APRT SACCO .Integrity permeates everything we do.

Our values serve as a beacon to guide our actions in our service to the people; these are?

-We do what we say and say what we do

    -We are pleasure to deal with

    -Giving our customers first class services

    -Growing our customers financially ,competence and help them make sound business decisions.

    -Delivering to our shareholders

    -Upholding the highest levels of integrity

    -Constantly raising the bar

OUR PRINCIPLES.

Being fair to customers

We treat all customers fairly and apply our policies appropriately,regardless of gender,race,religion ,sexual orientation.

Keeping customers informed

We give our customers clear and appropriate information at all time

Determining customers’ needs responsibly

We give advice to customers based on their circumstances. We always advice customer before we grant credit facilities by being aware of the customer’s level of debt and their ability to repay it.

Due to our customer’s needs, we offer tailor made service and solutions

We offer customized solutions and payments options based on the customers profiles

We offer specialized new and used cars , loans at the dealers

We are a sustainable service provider

We are a young, innovative and creative Sacco

We keep our customers first in service delivery

In every step of the process our aim is to provide satisfaction for our customers because we know that the most effective P.R or A.D campaign is the one that is made by genuinely pleased customers.

FINANCING OF MOTOR-VEHICLES

We import cars,we buy locally and we sell cars and other motor vehicles.

We assist people in buying tractors.

We assist in buying water pumps

We assist people in buying green houses

We assist people in buying posho mills

We assist people in buying fertilizer

We are proud to be associated with all traders and farmers and livestock keepers and to all stakeholders on the day to day business participation in the whole country.

 SHARE CERTIFICATE

We believe that the only way we truly succeed is by growing together.

This is the share certificate which is issued immediately to the customer after buying 50 shares of 100 each and can thereafter enjoy all the services and privileges of APRT SACCO.

REGISTRATION  FORM

PLEASE COMPLETE THIS FORM IN BLOCK LETTERS

SURNAME                                        OTHER NAMES

1.      …………………………………………………………………………………….

2.      …………………………………………………………………………………….

MARITAL STATUS       ID/PASSPORT NO/DL                       PLACE OF BIRTH

1.      ………………       …………………………                     ………………………

2.      ………………       …………………………                     ………………………

NATIONALITY: …………………………       AGE: ……………………………..

RESIDENTIAL ADDRESS………………………………………………………………

NEAREST LANDMARK……………………….DESCRIPTION……………………..

TELEPHONE NO. HOME……………………   OFFICE……………………………..

MOBILE NO…………………………ESTATE/ROAD/PLOT NO……………………

OWNED/RENTED/COMPANY HOUSE……………………………………………….

NAME OF EMPLOYER(IF EMPLOYED)……………………………………………..

ADDRESS OF THE EMPLOYER……………………………………………………….

EMPLOYER LOCATION…………………………..TEL………………………………

OCCUPATION/PROFESSION:………………………………………………………….

BUSINESS LOCATION…………………………………HOUSE………………………

STREET……………………………………………NEXT TO…………………………...

BUSINESS………………………………………….NEXT OF KIN……………………..

RELATIONSHIP………………………………….ADDRESS…………………………...

TEL NO…………………………………………….ALTERNATIVE……………………

                                                                                     SIGNATURE……………………….

                                                                                     DATE………………………………..

 RULES AND REGULATIONS

1.      I/We ………………………………………………………………………………………………as from now henceforth is a member/customer of this organisation unless otherwise.

2.      Any payment to this account will be allowed to customer and authorized persons only.

3.      Any loan granted to a customer shall be fully secured and fully guaranteed by the customer.

4.      Cheques repayment will be allowed at the discretion of the organization.

5.      All customers wishing to cancel loan applications shall do so at their own discretion and shall forfeit appraisal fee,valuationfee,insurance feeand legal fee if services have been rendered.

6.      Following a loan cancellation by either customer , or the company , a notice of  90 DAYS shall be given in order to close the file and give back the charges and any other payments that are refundable.

7.      A percentage of 40% is deductible in the case where a member cancels a loan application in progress without giving notice as per the clause above.

8.      Every member should receive a share certificate after payment of Kshs. 5,000 membership fee.

9.      Membership/registration fee of Kshs. 5,000 which is equivalent to 50 shares of Kshs. 100/=each is not refundable but can be sold and its transferrable

*Terms and conditions apply*

I have read and understood the above terms and conditions and I always abide by them

Name of client………………………………………….

Signature ………………………………………………Amount Paid………………………..

ID NO……………………………………………………

Date………………………………………………………

FOR OFFICIAL USE

Confirmed by………………….Account Number………………Bank slip…………………….

Signature……………………… Amount Paid………………….Receipt no……………………

Date…………………………….Mode of Paying…………………

Authorized by………………… Mpesa till……………………….

Signature………………………..Transaction Number…………………………..

OUR TRADING PARTNERS

CIANDA HOUSE 2^ND FLOOR

POTENTIAL INVESTOR BENEFITS

AMOUNT DEPOSITED	MONTHLY DIVIDENDS	QUARTELY DIVIDENDS	YEARLY DIVIDENDS

The above are the monetary investment bonuses payable monthly and yearly. They can also be paid quarterly.

   CONTACT US

Cianda House 2^nd Floor, Koinange Street-Nairobi CBD

Facebook:aprtsacco                                                                                    Website: www.aprtsacco.com

Email:info@aprtsacco.com

                                                           REF:APRT/2E/2018

C O N F I D E N T I A L

LOAN APPLICATION & LOAN AGREEMENT FORM

CIANDA HOUSE 2^ND FLOOR-KOINANGE STREET.

P.O BOX 8636-00101,NAIROBI

MOBILE NO:0722438372/0722438205

LOAN APPLICATION FORM

Date of application…………….         Application no…………………….

Type of loan……………………….

Personal Details

Surname………………………..Other names………………………Age……………

ID/Passport Number………………………Pin No……………………….

Number of Dependants…………………………………………………………………

Residential Address;

Owner occupier/rental……………………….LR/Plot No……………………………

House Number………………………………..Estate………………………………….

Road/street……………………………………Town………………………………….

Nearest Landmark……………………………………………………………………...

Mobile No……………………..Email address…………………………………………

Postal Address………………..postal code…………………Town……………………

Other contact person(besides spouse and guarantor)

1.      Name……………………….Mobile………………….Relationship………………………..

2.      Name……………………….Mobile………………….Relationship………………………..

Occupation of the applicant

If business person

Name of the business……………………………….Date started………………………………………..

Nature of business………………………………………………………………………………………….

Street/location…………………………………Building………………………………………………….

Date registered…………………………………Certificate Reg No………………………………………

Insurer…………………………………………..Policy no…………………………………………….

Type of policy…………………………

If employed

Surname………………………………..Other names……………………………………………….

Age……………………………………

Relationship………………………………Occupation………………………………………………

ID/Passport……………………………….Pin number………………………………………………

Mobile no…………………………………email address…………………………………………….

Postal address……………………………postal code……………….Town…………………………

Referees

Name…………………………………..relationship…………………………………………………...

Mobile no………………………………email………………………………………………………….

Amount applied……………………….Security offered………………………………………………

Purpose of the loan……………………………………………..

Repayment period……………………………………………...

Security………………………………………………………….

I declare that the information given above is true to the best of my knowledge and reflect my undertaking on this facility.

Signed……………………………

SPOUSE DETAILS

Surname……………………………………….Other names…………………………………….

ID/Passport no…………………………………Pin no…………………………………………..

Residential address

Owner occupier/rental…………………………LR/Plot No………………………………….

House No………………………Estate…………………………………………………………

Road/street…………………………………….Town………………………………………….

Nearest landmark………………………………………………………

Mobile No…………………………….email address…………………………………………...

Postal address……………………….postal code……………….Town………………………..

FINANCIAL DETAILS

Net salary………………Other income…………………Total income p.m……………………

Total assets……………..total liabilities…………………Net amount…………………………

Rent expenses…………...other expenses……………….total monthly expenditure………………

OTHER EXISTING LOAN FACILITIES

Lender………………….Amount……………………………Current balance……………………

Repayment period………………Remaining period…………….Monthly instalment…………..

Type of security

(1)……………………………….value(2)…………………….Value………………………………..

Security offered;type

1.Motor vehicle Reg no
Engine no
Chassis no
Ownership
Year
Value
Insurer

2.Title deed

Current owner
Plot/LR no
Ownership
Search report

PURPOSE OF THE LOAN (PLEASE TICK A BOX)

Asset purchase
Working capital
Vehicle purchase
Repayment of other name
Other purpose

FOR OFFICIAL USE ONLY

LOAN DETAILS

Applied amount
Period repayment
Approved amount
Approved period
Reason for approval/decline

CONSENT CLAUSE

Customer declaration:

In connection with this application and /or maintaining accredit facility with the APRT limited ,I authorize the APRT limited to carry out credit checks with or obtain my credit information form , a credit reference bureau . In the event of the account going into default, I consent to my name, transaction and default details being forwarded to a credit reference bureau for listing. I acknowledge that this information may be used by this company (APRT) and the credit grantors in assessing applications for credit by me, associated companies, and supplementary account holders and for occasional debt tracing and fraud prevention purposes.

Disclosure of information:

I agree that the lender may disclose details relating to my loan account including details of my default in serving financial obligations on my account to any third party including credit reference bureaus for the purpose of evaluating my credit worthiness or for any other lawful purpose.

I ………………………………….hereby apply for a loan of Kshs…………………………….(In Words)…………………………………………………….repayable in ……………………………

Instalments subject to terms and conditions in this credit application form and letter of offer.I understate to provide the security as required.

Signature…………………………………..Date………………………………………………………….

OFFICIAL COMMENT

………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………

Signature………………………………….Date…………………………………………………………...

OUR CORE BUSINESSES

REAL ESTATE

We buy and sell, we build ,rent and sell houses

PLOTS FOR SALE

We buy plots , we sub-divide, build on some and also sell plots

Welcome to this venture

By registering as a member and joining the investment program.

Dear members,

I wish to introduce APRT SACCO to you.APRT SACCO stands for Africa Pooling Resources Together Credit and Savings Cooperative Society Limited.We are licensed by the Ministry of Industrialization, Department of Cooperatives to recruit members in Kenya and outside Kenya for service delivery.

We are aimed at making a mark in the economy of the Republic Of Kenya by uplifting the standards of people of Kenya.We are also aimed at creating employment for jobseekers who have finished colleges  and universities.

The relative are the shareholders of Barclays Bank,Equity Bank,KWFT and others are now laughing all the way to the bank enjoying the fruits of the people who are the major shareholders at the inception of the institution.We are giving a chance to people who are willing to join us by buying shares to be part of the people who build this institution.We are offering 1000 shares at Kshs 100/= each as the minimum in this category for the first batch.We are offering shares upto a tune of 1,000,000 shares to individuals,groups, institutions, companies and churches.Those who will buy shares will get a share certificate indicating the number of shares bought and a share agreement between shareholders and institution.

It is paramount to note that many premises and like shops in Kirinyaga Road are owned by cooperatives in this country. The more shares you buy the more dividends you get. Contracts run for 1 year,3 years,5 years and 10 years and those wishing to make it future are welcome and the methods of paying the dividends are as agreed by the shareholder and institution that is via Mpesa ,Western Union, MoneyGram, Standing Orders, Post Dated cheques.

We are looking forward to work with you. I can do it, We can do it and We can own.

The buying of shares will be done or payment of shares will only be done through bankerscheques, money transfer to our account, ordinary cheques, Till number(666741) and direct deposit into account.

I thank you and remain Yours Faithfully,

Joshua Obebo

General Manager.