Any loan with an exposure of more than Kenya Shillings two million (Kshs. 2M) or where the difference between the member’s . deposits and the loan applied for is equal to or greater than Kshs. 2M will have to be supported by an additional tangible collateral e.g. Title Deed for property within Nairobi and its environment, and other member’s major urban centers to mitigate on the credit risk exposure, in the best interest of the guarantors and the Sacco.