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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