Hi All,

We hope all is well with you and your families during the Christmas Season. We have taken a long break but will be marching forward in January.

Here are three stories from clients of our most recent bank through OEF in El Salvador. Thank you for your love and support for those that need a hand up.

Jack & Lisa

NAME: OSCAR ALBERTO AGUSTIN

BANK: HELP VALLE NUEVO

CREDIT: $ 250.00

INTEREST: $ 7.50 per month

SAVINGS: $ 7.50 per month

TERM: 6 MONTHS My business is making french bread, which allows me to provide the necessities to my family and I have the opportunity to help other people; hiring them as sales persons. Every day I wake up early to provide my product to my clients. Thanks to the credit given me at the community bank I am able to buy good materials as during these times it is difficult to buy at a good price when you buy in small quantities. I applied the loan in buying more flour, lard, and gas for the oven, this allows me more earnings. I am very grateful for this.

NAME: MARTA ALICIA DERAS

BANK: HELP AGUAJE I

AMT. OF CREDIT: $ 300.00

INTEREST: $ 9.00 per month SAVINGS: $ 9.00 per month

TERM: 4 months I have two economic activities one is my store and also the selling of food, thanks to the opportunity provided by the community bank I have enlarged my business, which has increased my income so that my children can have what they need. The increases have helped me so that my second son has begun his collage studies. All this makes me proud and increases my desire to continue to work. God bless all those that make the community banks possible.

NAME: CARMEN HERNANDEZ

BANK: HELP AGUAJE II

CREDIT: $ 200.-

INTEREST: $ 6.00 per month

SAVINGS: $ 6.00 per month

TERM: 8 month My business is selling pupusas which is a typical Salvadoreña dish. UIT the financial support that I have received from the community bank I have improved my business since I was able to muy materials and utensils. All this has stimulated better sales and earnings. My business earnings allow me to take the necessities to my family and to help my mother, she is old and can no longer work like she did when we were young. Each of the three loans that I have received I have used to enlarge my business, which has been successful. To date I have been able to pay on time and hope to be able to continue so that they can continue to support me.