BY-LAWS as of January 2023

MISSION STATEMENT 4
THE PRAYER OF SAINT FRANCIS OF ASSISSI 4
Name 5
Interpretation 5
REGISTERED ADDRESS 6
OBJECTS 6
AREA OF OPERATIONS 6
CAPITAL AND FUNDS 6
MEMBERSHIP 7
SHARES 8
MEETINGS OF MEMBERS 9
QUORUM 9
THE BOARD OF DIRECTORS 10
ELECTIONS 10
TENURE OF OFFICE 11
ROTATION OF DIRECTORS 12
TERMINATION OF OFFICE 12
DISCLOSURE OF INTEREST 12
SECRETARY AND TREASURER 13
DISCIPLINE/DISMISSAL OF INTERNAL AUDITOR 14
CREDIT COMMITTEE 14
SUPERVISORY COMMITTEE 15
LOANS TO MEMBERS 16
RESERVE FUND 18
DIVIDEND AND BONUS 18
INVESTMENTS AND FUNDS 18
ANNUAL ACCOUNTS AND REPORTS AND AUDITS 18
SEAL AND EXECUTION OF DOCUMENTS 18
BOOKS AND FORMS 19
INSPECTION OF BOOKS 19
DISPUTES 19
AMENDMENT OF RULES 19
VOLUNTARY DISSOLUTION 19
NOTES 21
NOTES 22
Schedule of Amendments of By-Laws 20

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