BY-LAWS as of October 2017

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	8
QUORUM	9
THE BOARD OF DIRECTORS	9
ELECTIONS	10
TENURE OF OFFICE	11
ROTATION OF DIRECTORS	11
TERMINATION OF OFFICE	12
DISCLOSURE OF INTEREST	12
SECRETARY AND TREASURER	13
DISCIPLINE/DISMISSAL OF INTERNAL AUDITOR	13
CREDIT COMMITTEE	13
SUPERVISORY COMMITTEE	15
LOANS TO MEMBERS	16
RESERVE FUND	17
DIVIDEND AND BONUS	18
INVESTMENTS AND FUNDS	18
ANNUAL ACCOUNTS AND REPORTS AND AUDITS	18
SEAL AND EXECUTION OF DOCUMENTS	18
BOOKS AND FORMS	18
INSPECTION OF BOOKS	19
DISPUTES	19
AMENDMENT OF RULES	19
VOLUNTARY DISSOLUTION	19
Schedule of Amendments of By-Laws	20
NOTES	21
NOTES	22

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