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I hereby apply for personal Account in the above-named Union and agree to be bonded by the Bye-Laws or regulations governing the operations of the union. I comprehend that for this Union to be successful and for me to become an active member (Accountholder), I must open our account with GH¢20.00, subscribe the minimum share of GH¢500.00, make regular savings of not less than GH¢100.00 a month continuously for not less than six (6) months, and may take loans for good purposes and also make regular loan repayments when granted and attend meetings.