Consolidated Bank

Consolidated Bank

Consolidated Bank of Kenya Limited was incorporated on 7th December 1989. This was in an effort to stabilize the financial sector through the acquisition of nine insolvent institutions and thereafter restructuring them into a viable, professionally run the commercial bank.

The Bank enjoys an independent, dynamic, result oriented culture and a flexible and innovative approach. We understand the markets in which our clients operate and offer a service built on personalized and specialized banking solutions.

We offer one of the widest range of banking products and services in the market today. We realize that a growing business demands a lot of time and energy. We understand these challenges and continuously develop flexible, innovative and convenient financial solutions to help our customers achieve personal and business success.

With years of banking experience and a special focus on SMEs, we are in a strong position to help growing businesses unlock their potential and sail through the complexities they may face.

The Bank is fully owned by the Government with the majority shareholding in the Bank (51%) held by the Treasury through the Deposit Protection Fund. The remaining shareholding is spread over twenty-five (25) parastatals and other government related/controlled organizations.

Consolidated Bank Services

Business Banking

Deposit Products

  • Current Account – Pay-as-you-go option

This account is targeted to individuals and businesses and is designed to give you quick and easy access to your funds and also enable you to make and receive payments conveniently.

  1. Features
  2. Free monthly statements provided
  3. Unrestricted cash and cheque deposits and withdrawals
  4. Cheque books available on request
  5. Access to the internet and mobile banking services
  6. Access to loans
  7. Access to over 500 ATM’s countrywide (Pesa Point/Kenswitch/Consolidated Bank)
  8. Charge of Kshs. 33 per debit entry
  9. Kshs. 500 for ATM card – optional
  10. No cash handling fee for withdrawals below Kes 750,000
  11. Opening balance of Kshs. 2,500

Requirements (Business)

  1. Proper documentary identification (National Identity Card or Passport).
  2. One colored passport size photograph (to be provided or taken at the branch)
  3. Introduction letter from your employer/ account holder/ utility bills in the names of the directors/ statement for other bank accounts.
  4. Business Certificate of Registration.
  5. Resolution to open the account
  6. Certificate of Incorporation, Memorandum, and Articles of Association for Limited Companies
    KRA PIN
    Partnership deed for Partnerships
    Opening balance of Kshs. 2,500
  • Group Account

Loan Products

  • Business Loans & Overdrafts

Our business term loan is granted to help a business to grow or sustain their business. Usually, these loans are granted for capital expenditure and working capital.

Features

  1. Flexible repayment period
  2. Quick approval process
  3. Low interest rates

Requirements

  1. Company profile- To include ownership structure and percentage shareholding.
  2. Business profile- A brief description of the business and commentary of the key members of
  3. management and their relevant experience.
  4. Cash flow projections
  5. Bank statements for the last 6 months
  • Commercial Construction Loan

Our commercial construction loan is designed to help customers build multiple or single units for sale or rental purposes. As with our other loans, we offer attractive interest rates and a moratorium period on capital during the construction period.

Features

  1. Period of the loan
    >> Buy to sell units- 24 months
    >> Units for Rent- 10 years
  2. Attractive interest rates
  3. Moratorium period on capital during the construction period

Requirements

  1. Proper documentary identification (Identity Card or Passport).
  2. One (1) recent colored passport size photo.
  3. An introductory letter from the employer/ account holder/ utility bill.
  • Dream Saver Account

This product is designed to take the burden of insurance payments of our customers. It allows our customers to enjoy the benefit of insurance cover immediately, while they pay their premiums over a longer period.

Benefits of the product

  1. Easy application process
  2. Very Competitive pricing
  3. Quick response to applications
  4. No hidden charges
  5. Payments are made directly to the insurance company so as to ensure the insurance cover is issued immediately
  6. Flexible repayment of 4-10 equal monthly installments
  7. No security needed
  8. Eases up the liquidity strain that may be caused by lumpsum insurance premium payments

How does Product work?
The bank will advance you a loan which you will pay in monthly installments and pay the premiums directly to your insurance company.

Trade Finance Facilities

  • Bid Bonds

This product is tailored to help customers who participate in tenders capture the contracts they desire with no hustle. Open to both existing and new to Bank customers.

Features

  1. Unsecured Bid Bond of up to Kshs.5,000,000 for a maximum tenure of one year
  2. Processing within 30min*
  3. A fee of 1% per quarter of the bid bond requested
  4. Minimum Kshs.3,000 (if secured), Kshs.4,000 (if unsecured)

*Terms and conditions apply

Requirements

  1. Application form
  2. Tender documents
  3. New to Bank customers will be required to open an account
  • Solid Loop

This is a unique product that enables a customer to borrow a temporary facility to finance orders, procured from the government, parastatals, and other reputable firms and institutions.

Features

  1. Finance of up to 60% of the cost of the LPO
  2. Security required
  3. Flexible repayment period of up to 120 days subject to the customers trading cycle
  4. Quick approval process

Requirements

  1. LPO from a reputable organization pre-vetted by the Bank
  2. Proforma invoice or quotation of items of purchase from the supplier
  3. Copy of the contract
  4. Should have banked with the Consolidated Bank for at least 6 months
  5. Should demonstrate the technical capacity to perform the order
  • Performance Bonds

This product is tailored to support customers who have won tenders and are required to provide a performance bond. At Consolidated Bank, we support our customers with performance bonds at very competitive terms.

Features

  1. The performance bonds can be unsecured up to Kshs. 500,000
  2. 50% secured up to Kshs. 1,000,000
  3. Processing within 48 hours
  4. A fee of 1% per quarter of the performance bond requested a minimum of Kshs. 2,000

Requirements

  1. Tender Documents
  • Bills Discounting

This facility allows traders to obtain an advance from the bank pending receipt of their sales proceeds, thus increasing their liquidity. The advance is based on the face value of the bills drawn by the seller. While discounting a bill, the bank buys the bill (i.e. post-dated cheques) before it is due and credits the value of the bill after a discount charge to the customer’s account.

Features

  1. Finance up to 80% of the face value
  2. Competitive interest rates
  3. The bank will only discount trade bills
  4. Repayment of the advance is from the proceeds of the bill
  5. Payment is with recourse to the customer
  6. Maximum discount period of 90 days

Requirements

  1. A duly completed application form
  2. Applicant must have good business records
  3. Bills must be from reputable companies or parastatal organizations
  • Invoice Discounting

This product is designed to help our customers who have issued invoices and are awaiting payment. The customer presents their accepted invoices and delivery notes and the bank advances the customer a percentage of the invoice value awaiting receipt of the invoice proceeds, providing the much-needed working capital.

Features

  1. Finance up to 80% of the face value
  2. Competitive interest rates
  3. The bank will only discount invoices from the government, parastatals and reputable organizations
  4. Maximum discount period of 90 days

Requirements

  1. A duly completed application form
  2. Applicant must have good business records
  3. Invoice must be from a reputable company

Treasury Products

CBKL Treasury is the one stop shop for all your money market and foreign exchange needs. We have a team of highly trained and experienced dealers, behind the innovative and competitively priced products that are unrivaled in the Kenyan market.

Our products include:
Foreign exchange cash purchase/sale
We offer across the counter sale and purchase of the major FX currencies, including USD, GBP EUR, and the ZAR.

Fixed Deposits:
We offer competitive fixed deposit rates for local and foreign currencies on various tenors, specific to your requirements.

Dual Currency Deposits:
We offer this to our clients who hold their funds in foreign currencies and yet would want to earn the higher interest rates available in KES denominated Deposits.

The deposits are received in foreign currency and converted into KES with an agreed forward rate. The KES is then held in a high yielding Fixed deposit until the maturity date when principal and interest are converted back to the original currency at the pre-agreed forward rate.

Treasury Bills and Bond Investments:
We invest in Treasury Bills and Bonds on your behalf.

Other products include:
Same day Swift transfers, Foreign Drafts, Foreign currency account, Foreign exchange forwards, Foreign exchange swaps and Real-Time transfers of funds to other banks (RTGS)

Personal Banking

Deposit Products

  • Junior Saver Account

This is an attractive children’s savings account that offers various rewards to both the child and the parent/guardian.

Features

  1. No charges levied on the account
  2. Free bankers cheque for paying school fees
  3. Interest earned on this account
  4. 4 free withdrawals per year, one per quarter
  5. Annual Party for the children.
  6. Free home bank on account opening
  7. Early banking experience for the children

Requirements

  1. A copy of the child’s birth certificate/ notification of birth
  2. A copy of the parents’/ guardians National Identity Card or Passport.
  3. One recent passport size photograph of the child. (to be provided or taken at the branch)
  4. One recent passport size photograph of the parent/guardian (to be provided or taken at the branch)
  5. Opening balance of Kshs. 1,000
  • Dream Saver Account

This is a savings account that offers the saver an opportunity to build his savings to the desired level. Tiered interest is earned on the account.

Features & Benefits:

  1. Minimum opening balance of Kshs. 2,000
  2. Interest accrued monthly and paid yearly
  3. 1 free withdrawal per month.
  4. Free half yearly statements.

Requirements

  1. Proper documentary identification (National Identity Card or Passport).
  2. One recent colored passport size photo. To be provided or taken at the branch
  3. Introductory letter from the employer or account holder/utility bill.
  4. A minimum opening balance of Kshs. 1,000
  • Diamond Saver Account

This account is the bank’s savings account for the premium savers, offering a host of benefits.

Features

  1. Minimum opening balance of Kshs. 100,000
  2. Free Personal Accident Insurance cover as follows; Death Limit Kshs. 2M, Permanent and total disability limit Kshs. 2M & Funeral expenses limit Kshs. 100,000
  3. Interest accrued monthly and paid yearly.
  4. Interest paid on the lowest balance of the month
  5. 1 free withdrawal per quarter
  6. Access to personal loans
  7. Dedicated relationship officer for the account
  8. Access Internet Banking
  9. Access to mobile banking

Requirements

  1. Proper documentary identification (National Identity card/Passport).
  2. One recent colored passport size photograph (to be provided or taken at the branch)
  3. Introduction letter from the employer/ account holder/ utility bill.
  4. Minimum opening balance of Kshs. 100,000
  • Vuna Chama Savings Account

This product is tailored to suit the needs of investment groups/ ‘chamas’. It targets both incorporated groups and non- incorporated groups.

Features

  1. Interest earning account
  2. Bank statements provided monthly
  3. Free financial advice
  4. 1 free withdrawal per quarter
  5. Automatic member of the bank’s business club
  6. Access to investment loans for shares, land, property
  7. Minimum opening and operating balance from as low as Kshs. 2,000
  8. Access to the internet and mobile banking services
  9. Optional current account with a checkbook
  10. Member’s contributions can be sent via m-pesa to the account

Requirements: (Non- Incorporated Groups)

  1. Registration Certificate from the Ministry of Culture & Social Services
  2. Constitution of group / ‘Chama’
  3. Minutes of the meeting appointing the group’s bankers
  4. Identification card and one passport-sized photograph for all officials. To be provided or taken at the branch
  5. List of all group members, their contacts (including physical address) and their business activity

Requirements: (Incorporated Groups)

  1. Certificate of incorporation
  2. Memorandum & Articles of Association
  3. Company’s PIN certificates
  4. Company’s search listing directors OR annual returns
  5. Director’s resolution to appoint bankers and the relevant signing mandates
  6. Identification card and one passport-sized photograph for all the officials.
  • Foreign Currency Savings Account

These accounts are available to customers who want to transact in foreign currency denominations. It is available in USD, EUR, and GBP

Features

  1. Free monthly statements provided.
  2. Unrestricted cash and cheque deposits
  3. 1 free withdrawal per quarter
  4. Access to internet banking services
  5. No ledger fees
  6. Access to loans
  7. Opening balance of an equivalent of Kes. 2,000

Requirements (Individuals)

  1. Proper documentary identification (National Identity Card or Passport).
  2. One colored passport size photograph (to be provided or taken at the branch)
  3. Introduction letter from your employer/ account holder/ utility bill.

Requirements (Business)

  1. Proper documentary identification (National Identity Card or passport).
  2. One colored passport size photograph for each signatory (to be provided or taken at the branch)
  3. Introduction letter from an account holder/utility bills in the names of the directors/ statement for other bank accounts.
  4. Business Certificate of Registration.
  5. Resolution to open the account
  6. Certificate of Incorporation, Memorandum, and Articles of Association for Limited Companies
  7. KRA PIN
  8. Partnership deed for Partnerships
  • Fixed Deposit

This is a high interest bearing account in which the deposit is held for a specific period of time at a fixed rate of interest.

Features

  1. Funds fixed in the account for term periods of 1 month, 2, 3, 6, 9 or 12 months or on call.
  2. Attractive interest rates (Interest calculated monthly and paid only on matured deposits).
  3. Confirmation of deposit receipts given on placements and on the maturity of the deposit.
  4. Mandatory written instructions to withdraw or increase deposit.
  5. The account holder may secure loans and overdrafts using the deposit.
  6. Facilitation of joint account operation.

Requirements: Personal Fixed Deposit Account.

  1. Proper documentary identification (National ID card or Passport).
  2. Minimum account opening balance of Kshs. 50,000.

Requirements: Business Fixed Deposit Account

  1. Proper documentary identification (ID card or Passport) for signatories of the account.
  2. Business Certificate of Registration.
  3. Minutes of meeting to open bank account signed by Chairman and Secretary for Institutional accounts.
  4. Certificate of Incorporation, Memorandum, and Articles of Association for Limited Companies.
  5. Minimum account opening balance of Kshs. 50,000.

Features & Benefits

  1. Free monthly e-statements.
  2. Free Cheque Book.
  3. Free inward EFTs
  4. Free Internal Transfers.
  5. No Ledger Fees.
  6. Interest paying balance KShs.20,000/-.
  7. For schools, Loans available for students who pay fees in installments. MoU between the bank and the university/ College will be drawn separately to highlight the obligations of each party.*
  8. For schools, loan facilities available for staff of the school institution under MoU*
  9. Dedicated Relationship Manager to handle all inquiries
  10. Competitive interest rates available and will be reviewed and advised from time to time by the Head of the treasury.

Requirements

  1. Proper documentary identification (National Identity Card or passport)
  2. One colored passport size photograph for each signatory. To be provided or taken at the branch
  3. Introduction letter from an account holder/utility bills in the names of the directors/ statement for other bank accounts.
  4. Business Certificate of Registration.
  5. Resolution to open the account
  6. Certificate of Incorporation, Memorandum, and Articles of Association for Limited Companies
  7. Opening balance of Kshs. 5,000

Loan Products

  • Personal Loans

This is an account designed especially for salaried individuals for transactional purposes. For a low monthly fee, the customer has access to a variety of services.

Features

  1. Unsecured loan of up to Kshs. 2 million
  2. Flexible repayment period of up to 60 months.
  3. Quick approval process.
  4. Low interest rates

Requirements

  1. Payslip for the last three months.
  2. Bank statements for the last 6 months (For non-customers).
  3. A letter of reference from your current employer and a commitment to remit salary through CBKL.
  • Mortgage Loans

Our mortgage loan provides finance for residential property both ready built and also for construction. With competitive interest rates and tenor of up to 15 years, we make it easy for our customers to own their homes.

Features

  1. Flexible repayment period
  2. Low interest rates
  3. Quick approval process

Requirements: Employed Persons

  1. Latest 3 months pay slips
  2. Bank statements for the last 6 months
  3. Copy of PIN certificate
  4. Identification Card or Passport
  5. Letter from the employer

Requirements: Self Employed Persons

  1. Bank statements for the last 6 months
  2. Business registration certificate
  3. Cash flow projections
  4. Copy of the latest annual filing returns and receipts
  5. A brief history of the business and nature of the business
  6. Audited accounts for a period of 3 years
  • Solid Scholar Loan

This product is a convenient & affordable way to pay school fees. It is available to both salaried and other income earners of the bank.

Features

  1. Low-interest rate
  2. Payback period of up to one year.
  3. Loans available for amounts up to Kshs 500,000.

Requirements

  1. Confirmation letter from the employer where applicable
  2. Fees structure of the institution
  3. Proper documentary identification (National I.D or passport)
  4. Bank statements for the last 6 months (For non-customers)
  • Asset Finance

Our asset finance facility provides our customers with a convenient solution to purchase vehicles, equipment, and other assets for the business.

Features

  1. Up to 100% financing*
  2. Maximum repayment tenor up to 72 months*
  3. Financing of assets such as PSVs and Medical Equipment now available
  4. Quick turnaround time

Requirements

  1. A formal application duly signed by the Customer
  2. Copy of ID/ PIN for Customer/ Company Directors
  3. Certified copies of the last 6 months bank statement for multi banked customers and new to bank customers.
  4. Copy of Proforma invoice/ Sale agreement.
  5. Copy of Logbook
  6. In addition to the above, the bank will require the following for used vehicles:
  7. Sale agreement between seller and buyer
  8. Valuation report (From the bank’s approved list of Valuer’s)
  9. Logbook copy
  10. Seller’s identification & PIN copy

Consolidated Bank Internet Banking

You Can now ENTER your bank anytime. Enjoy the freedom of online banking with Consolidated Bank.

Benefits

  1. Instant registration and activation
  2. Balance inquiry
  3. Mini Statement
  4. Full Statement
  5. Funds transfer
  6. Forex inquiry
  7. Airtime purchase
  8. Stop ATM Card
  9. Stop cheque payment
  10. ATM card request
  11. Cheque book request
  12. Standing orders
  13. Alerts for all transactions

SECURITY PROCEDURE

  • You must keep your security details secret and take all reasonable precautions to prevent unauthorized or fraudulent use of them. You must not disclose your security details to any other person or record your security details in any way that may result in them becoming known to another person
  • Please note that after initial registration or enrolment we will never contact you, or ask anyone to do so, on our behalf, with a request to disclose your security details in full. If you receive any such request from anyone (even if they are using our name and logo and appear to be genuine) then it is likely to be fraudulent and you must not supply your security details to them under any circumstances. You should report any such requests to us immediately.
  • For changing details like phone number, or email address, you must visit our branch to fill in the necessary form and sign for counterchecking by our staff members.
  • If you suspect someone knows your security details you must contact us immediately. If you fail to do so, you will be liable for any unauthorized payments on your account confirmed by use of the security details
  • You will be responsible for all instructions given by you between the time you pass the security procedure and the time you exit from the service. In your own interests, you should not leave the device you are using to access the service unattended while you are still logged onto our website.
  • If you suspect that you may have been a victim of fraud through the internet banking service you must contact the bank immediately.

Requirements

  • To sign up for e-Banking, click on the e-banking login page on the website and follow the simple instructions or visit your nearest branch.

Consolidated Bank Mobile Banking

Bank anytime, anywhere with Consolidated Bank. Our mobile banking service allows you to access your bank anytime, anywhere.

  • Features
  • Instant registration and activation
  • Airtime purchase
  • MPESA transactions
  • Funds transfer
  • Balance inquiry
  • Mini Statement
  • Stop ATM Card
  • Stop cheque payment
  • ATM card request
  • Cheque book request
  • Alerts for all transactions

To transfer funds from Mpesa to Account, please follow the instructions below:

  • Access Mpesa Menu
  • Select pay bill
  • Enter Business Number (508400)
  • Enter the destination account number
  • Enter amount
  • Complete by entering MPESA PIN
  • You will receive an SMS confirming the transaction

Requirements

  • To register for m- banking, dial *262# or visit your nearest branch

Consolidated Bank Agent Banking

“Conso Maskani” – Agent Banking by Consolidated Bank
How does the Conso Maskani service work?

  • The customer walks into the agent’s premises with their ATM card.
  • Through the Point Of Sale machine (POS), the agent will pick the service from a menu, then swipe the customer’s card and insert the amount to withdraw/ deposit.
  • The customer is requested to key in their ATM PIN and the transaction is completed.
  • Customer will get a receipt confirming the transaction

Why is the Consolidated Bank offering Agency Banking?
We intend to take on the Agency model for the following reasons:

  • To provide a cost-effective delivery channel.
  • To increase financial services outreach and to promote financial inclusion to the unbanked and under-banked population.

Who is an Agent
‘Agent’ means a legal entity (usually an operating business) that has been contracted by the Bank and approved by the Central Bank to provide the services of the Bank.

Role of the Agent
The agent will be involved in carrying out certain specified transactions for the customer on behalf of the Bank.

Conso Maskani Agents offer the following services.

  • Cash deposit.
  • Cash withdrawals – both for Consolidated Bank and Kenswitch member bank customers.
  • Transfer of funds.
  • Balance inquiry.
  • Generation and issuance of mini bank statements.
  • Account opening.

Kenswitch Member Banks – Available Services
In addition to the above services, Conso Maskani agents will also be offering limited services to all Kenswitch member banks’ customers.

Consolidated Bank Service Delivery Charter

We believe in working together to deliver great outcomes, making banking pleasurable and convenient for our customers. We do this by developing trust, being approachable, treating our customers with fairness and respect while ensuring ease, expertise, and efficiency in all our dealings.

Our service goals include:

  • Providing our services on Monday to Friday from 8.30am to 4.00pm and on Saturdays from 8.30am to 1.00pm with a few branches offering extended banking hours. We offer agency banking services to promote financial inclusion to the unbanked and under-banked population. In addition, we aim to provide 24 – hour, 7- day access to Internet & Mobile banking and the same access at our Automatic Teller Machines (ATMs).
  • Treating our customers with courtesy and respect.
  • Providing our customers with clear information about our products and services, the benefits earned the fees and charges that are applicable, what our customers can expect from us and who within our bank will deliver the service to you.
  • Providing our customers with professional financial advice, quality products, services, and facilities.
  • Responding to our customers quickly and efficiently
  • Providing as far as is reasonably practicable: accessible premises, products, services and suitable auxiliary aids to customers with disabilities.
  • Working to provide our customers with assistance and services whenever they experience a language barrier.

Consolidated Bank Contacts

HEAD OFFICE

Consolidated Bank House
Koinange Street
P.O. Box 51133-00200 Nairobi
Tel: +254-020-340551, 340298, 340836
Cell:+254-722999177,733435005
Fax: +254-020-340213
Email: headoffice@consolidated-bank.com This e-mail address is being protected from spambots. You need JavaScript enabled to view it

Harambee Avenue

Agriculture House
P.O. Box 34823-00100 Nairobi
Tel: +254-020-2228705/6/7, 2221866
Fax: +254-020-2229382
Email: harambee@consolidated-bank.com This e-mail address is being protected from spambots. You need JavaScript enabled to view it

Koinange Street

Consolidated Bank House
P.O. Box 67124-00200 Nairobi
Tel: +254-020-2222051,2220175
Fax: +254-020-340864
Email: koinange@consolidated-bank.com This e-mail address is being protected from spambots. You need JavaScript enabled to view it

Umoja Branch

Sony House, Outering/Kangundo Rd Junction
P. O. Box 7932 – 00100 Nairobi
Tel : +254-020-2536825, 2536826

Fax: +254-020-2536820
Email: umoja@consolidated-bank.com This e-mail address is being protected from spambots. You need JavaScript enabled to view it

MOMBASA

Nkrumah Road
P.O. Box 82342-80100
Mombasa
Tel: +254-041-2222943/4
Fax: +254-041-2222942
Email: mombasa@consolidated-bank.com This e-mail address is being protected from spambots. You need JavaScript enabled to view it

THIKA

Witeithie House
Nkurumah Road
P.O. Box 211-01000
Thika

Tel: +254-067-22132/3
Fax: +254-067-22167
Email: thika@consolidated-bank.com This e-mail address is being protected from spambots. You need JavaScript enabled to view it

NYERI

Konahauthi House
P.O. Box 935-10100
Nyeri
Tel: +254-061-30811
Fax: +254-061-30755
Email: nyeri@consolidated-bank.com This e-mail address is being protected from spambots. You need JavaScript enabled to view it

EMBU

P.O. Box 82342-60100
Embu
Tel: +254-068-30922/3
Fax: +254-068-20673
Email: embu@consolidated-bank.com This e-mail address is being protected from spambots. You need JavaScript enabled to view it

ISIOLO

P.O. Box 102-60300
Isiolo
Tel: +254-0645-2584/5
Fax: +254-0645-2588
Email: isiolo@consolidated-bank.com This e-mail address is being protected from spambots. You need JavaScript enabled to view it

MAUA

P.O. Box 142-60600
Maua
Tel: +254-064-21453/4,
Fax: +254-064-21456
Email: maua@consolidated-bank.com This e-mail address is being protected from spambots. You need JavaScript enabled to view it

MERU

P.O. Box 1117-60200
Meru
Tel: +254-064-31181
Fax: +254-064-20754
Email: meru@consolidated-bank.com This e-mail address is being protected from spambots. You need JavaScript enabled to view it

MURANGA

P.O. Box 538-10200
Muranga
Tel: +254-060-30461
Fax: +254-060-30460
Email: muranga@consolidated-bank.com This e-mail address is being protected from spambots. You need JavaScript enabled to view it

LAARE

P.O. Box 142-60601
Maua
Tel: +254-064-21487

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