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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