_Person 2:_ So this form just tells the bank to stick to the commitment I made to myself about how much to save for the future, and when I can use that money.

_Person 1:_ That’s right. You can choose any amount and date you want, and OIBM will hold it for you so that you stick to the plan. We can help you fill out the form if you would like to use this special account in addition to the regular Kasupe account.

# **<u>Section 6:  Raffle (All Raffle Clubs)</u>**

As an extra incentive to save money, there will be a raffle draw where some farmers in this project may have a chance to win a prize. You have to save to have a chance to win, and the more you save, the better your chance to win. There will be two prizes in each district. The first prize will be a new bicycle, and the second prize will be a 50 kg bag of D-compound.

The raffle tickets will be based on the amount of money you save in your bank account. The prizes will be awarded in November. The raffle tickets will be given out at two times before then. The first time will be in August when we will come back and give you tickets based on the money you have saved between July 1 and August 1. OIBM will calculate the average balance in your savings account for those 30 days and the number of tickets you will get will be based on this amount. The second time we hand out tickets will be in October. OIBM will calculate your average balance from September 1 to October 1, and give you additional tickets based on that balance. Each person will get individual tickets based on their account balance. The prize is for individuals and not for the club.

You can increase your chance of winning by saving more money and saving it for a longer time. You will get one ticket for every MK 1000 in your average balance. If you put MK 10000 in your account by July 1 and keep it there until at least August 1, then you will get 10 tickets. If you don’t have any money in your account from July 1 to July 14, and then put MK 10000 into your account on July 15 and keep it there until at least August 1, you will only get five tickets. If anyone here has two accounts with OIBM, we will add up the balance in both accounts. Money saved with other banks will not count for the raffle, though.

# **<u>Section 7A:  Public Raffle (Public Raffle Clubs Only)</u>**

We will hand out the raffle tickets in August and October during group meetings like the one we are having today. We will give out the tickets in front of others, so your friends will know how many tickets you are getting.

I will demonstrate how tickets will be handed out. I am going to hand you a piece of paper with a number on it. Pretend that is your average account balance from July 1 to August 1. No one but you and OIBM knows this number, so don’t tell anyone!

_(Distribute the papers with fake account balances to 5 volunteers)_ Now, I will give you the number of raffle tickets you get for that balance. Come up one at a time and show me your piece of paper, so I can give you your tickets.

_(Have the farmers come up one at a time. Look at the paper and hand out tickets. Make sure to say out loud for every farmer how many tickets he gets. Make sure that the other farmers are paying attention to this.)_ When we hand out tickets in August and October, it will work the same way. You will each be called up one at a time to receive tickets based on the amount you have saved, and your club will see how many tickets you receive.

# **<u>Section 7B:  Private Raffle (Private Raffle Clubs Only)</u>**

We will hand out the raffle tickets in August and October during group meetings like the one we are having today. We will give out the tickets one at a time, so no one will know how many tickets you are getting.

I will demonstrate how tickets will be handed out. I am going to hand you a piece of paper with a number on it. Pretend that is your average account balance from July 1 to August 1. No one but you and OIBM knows this number, so don’t tell anyone!

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