LOAN TYPE                                        INTEREST                          DURATION

• LOAN WITHIN SAVINGS:              6.5% PER ANNUM          —- 2 years

i.e. Loan lesser or equal to your savings

• NORMAL LOAN:                             16.25% PER ANNUM        — 2 years

i.e. Twice of your savings

• EMERGENCY LOAN:                       22.75% PER ANNUM        —- 2 years

i.e. Base on your source deduction amount

• SALARY LOAN:                                19.5% PER ANNUM          —- 3 years

i.e. loans for those taking their salary through KATHCCU

• SPECIAL LOAN:                                22.75% PER ANNUM       — 2 years

i.e. loan base on your capacity to pay by CAGD deduction

• CAGD LOAN:                                    22.75% PER ANNUM     —- 2 years

i.e. loans given to members on CAGD payroll without considering the deposit of the member