This is a savings plan with a minimum monthly contribution of Kshs.500, which enables a member to accumulate funds for their children for future use.
One can access 70% of the savings after the second year. An administrative cost of Kshs.500/= is charged on withdrawal of funds.
For premature withdrawal of funds (before two years are over), an administrative cost of Kshs.2,000/= will be charged. One can access the full amount saved after the 5th year.