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f.     CAMEROONIAN Group B N10,000,
           g.     CAMEROONIAN Group C N  5,000.


           2.     When  a  member  dies  and  the  benefits  go  to  the
                  husband and the children.
           a.     NIGERIAN Group A N20,000,
           b.     NIGERIAN Group B N 10,000,
           c.     NIGERIAN Group C N  5,000,
           d.     NIGERIAN Group D N  3,000.
           e.     CAMEROONIAN Group A N10,000
           f.     CAMEROONIAN Group B N  5,000,
           g.     CAMEROONIAN Group C N  3,000.
                  Nigerian  group  E  and  Cameroonian  group  D  are
                  Children's group.


           3.     Furthermore, in the event of indebtedness and years of
                  membership, Instead of the amount stated below, the
                  above men oned amount shall be given to her and all
                  that she owes shall be deducted and the balance shall be
                  given  to  the  beneficiary  according  to  the  benefit
                  category.


           E.     These are the categories of a CHFA member's benefit on
                  the death of her husband; she shall receive as follows:


           1.     NIGERIAN Group A: She pays 24,000 naira yearly.
           a.     Membership of 5 years and above shall receive 50,000
                  naira.
           b.     Membership of 4 years shall receive 30,000 Naira.
           c.     Membership of 3 years shall receive 20,000 Naira.
           d.     Membership of 2 years shall receive 15,000 Naira.
           e.     Membership of 1year shall receive 10,000 Naira.


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