Gift Certificates
These are certificates in the amount of $1000.00 and $500.00, which may be given as gifts to persons on special occasions.

Death Benefit Plan
This plan started in January 2003, with members saving towards funeral expenses.Upon death, PMC Industrial & Provident Society Limited undertakes to pay to your beneficiary/executor the proceeds of your savings under this Plan as follows:1. If the member dies within the first 12 (twelve) months of the initial investment, the beneficiary will be entitled to the total deposit plus interest only, at a rate to be determined by the Committee of Management, being not less that 8%. After the expiration of 12 months, the benefit payable will be twice your deposit (excluding interest). The additional amount payable on your savings will not exceed $20,000.00 (Twenty Thousand Dollars.2. Withdrawal from the fund will be subject to a 7A?% penalty and the full amount must be withdrawn.3. Any change of name through re-marriage/deed poll or change of beneficiary such information is to be communicated to the Society in writing for the necessary adjustment to the records of the Society.4. A statement of your deposit will be recorded in your deposit book.5. The beneficiary/executor must surrender this certificate upon the death of the member with the required proof of death.6. Payment of the full benefit will be made within 48 hours once the claim is made on a working day.7. Notwithstanding the above agreement, the maximum payable is subject to review from time to time by the Committee of Management.

Loans - There are presently two types of loans
Ordinary Loans are Loans to a maximum of $100,000.00, requiring security.

- Up to 3 years to repay
- 18.5% on the reducing balance
- Must have savings of at least a quarter of required loan, plus security.


E-Loans (Emergency Loans)
- Up to $10,000.00
- 22% interest on the reducing balance
- Must have at least a quarter of required amount in savings
- No security required
- Monthly payment of at least 10% of balance plus interest.