• Performance guarantees
• Bonds
• Indemnities

• Allows a customer to avoid paying in advance or lodging cash cover to secure a purchase or contract.
• Enables a customer to bid for contracts that call for guarantees

• Up to 12 months reviewable annually for formalized  revolving  limits 
• One-off facilities  period will be determined by the terms of contract and guarantee expiry dates
• No fixed term is set for a performance bond. Guarantees may be continuing or for a specified period. At all times a definite or determined expiry date or a clause specifying a period of notice or withdrawal is to be included in the guarantee.
• On receipt by the Bank of a request for payment of a performance bond, the customer’s current account is to be debited with the full amount due. The customer is to be immediately advised of the payment. Unless there are pre-existing arrangements in place to pay the exposure resulting from the payment of the performance bond, the customer is to be requested to immediately conclude arrangements to repay the exposure.

• If cash cover is lodged with the Bank under a pledge the client will be paid interest on the investment,
• Enables the client to bid for contracts which call for guarantees,
• Enables the client to purchase fixed property.

• Up to 12 months reviewable annually for formalized  revolving limits 
• Up to 180 days for temporary one-off.

• Security
• Guaranteed payment
• Quick and efficient settlement
• Flexibility

• Short term loan repayable up to 24 months
• Medium term loan repayable between 24 and 60 months
• Long term loan repayable between 60 and 120 months
• Reductions or repayment terms are to be discussed with the customer. No stipulated minimum applies

Benefits to the customer

• The drawing and repayment of funds is made in accordance with a prearranged schedule which is matched to the borrower’s needs.
• Full repayment of the loan or temporary early reductions may be made at any time subject to a notice and which must be negotiated with the bank.
• Security of knowing that finance is available for the required period.
• Pre-planned draw downs and repayments facilitate accurate budgeting and disciplined repayments.

• The overdraft facility maybe granted for a maximum of twelve months.
• Reductions or repayment terms are to be discussed with the customer. No stipulated minimum applies. The source of repayment should however be clearly defined. Notwithstanding the above the facility is repayable on demand.

• Once arranged the facility is available immediately and may be used whenever required.
• The facility remains available even when not in use.