Terms and Conditions
- Name and Membership number of the referee must be indicated on the application form.
- Open to All Kencream Sacco Members except Kencream Staff and Board Members.
- To earn reward for a new membership, the account must have successfully been registered and deposit paid as per the policy.
- To earn reward for a new OSA account salary processing, a Member must process their salary atleast once.

Thank you for sharing your knowledge and expertise through your blog post. The information was well-researched, and I appreciated the way you made complex concepts understandable.