You may borrow up to 80% of your total savings (Subscription, Special Deposit, Savings and Term Deposit Accounts) at interest rate of 4% per annum, and either: (a) Offset the full sum against your total savings after 6 months;
(b) Convert to a Long Term Secured Loan at 5% interest per annum;
(c) Convert to a Personal Loan guaranteed by 2 sureties or the General Services Cooperative at 6% interest per annum.