BILL ADONGO

                                                                   PERSONAL MEMO

To International Commercial Bankers

From Bill Adongo

Date:20^th Jannuary, 2014.

Banks seek security. A sense of security may be the next basis goal in banking. A bank with economic security is fairly certain that it can satisfy it needs in the present and in the future. Economic risk is the possible of losing economic security. There are many basis things in which a bank can seek security and these are setting of interest rates, knowing the initial amount to be accumulated in the future, so that payment of debts would not cause ruin to the bank.

For the past years, bankers can only set the amount to be accumulated in the future if only they know interest rate, initial amount and the time period. Now, as a concerned investment analyst, I have realized that this scope of analysis is limited. I then, invented my own model (called Adongo growth model) which can be used to set interest rate and accumulative amount in future time if only the amount to be deposited in the account is known, so that the bank can maintain it economic security without financial loses.

I am available for any of you who wish to use this model.