I would like to thank Clientele for empowering us to empower our community with Financial Skills training. Our sessions went very well and venue's for trainings were offered by community leaders and Church leaders respectively. This shows us that indeed working together we can build a better South Africa. Attendance was very good and most of our sessions started on time. We also observed Covid-19 health protocols. Most of our participants were unemployed youth and few pensioners. One of our sessions we had people living with disabilities with the help of a sign language interpreter we managed to empower them with Financial Skills. Most of the participants appreciated the training program,usable tips and the beautiful content. The content was extremely informative and incredibly useful. Thank you to the program manager and Avo team for your endless support and service provided. You have done a wonderful job and on behalf of my community I appreciate all your efforts. The material was very interesting and the discussions were truly inspiring. Most participants particularly enjoyed the visual illustrations, which made the content easily understandable. Thank you once again to Avo team and everyone who was involved in the preparation and execution of the training. You have all done a wonderful job. I look forward partnering with you as we continue to build better communities in our beloved Country South Africa Sincerely, Mpho Motshegoe

Another fruitful session of MM Module 5, the participants were excited to have this session as they're able to discuss the challenges facing their businesses and the opportunities that came with covid 19 level 5 and 4. Particularly Machere who lost all her goods from suppliers in Turkey due to covid. She lost her paid clothing and jewellery stock as no travelling were allowed and she could not afford to pay for the storage. She and other participants learned that having a business insurance is a priority to overcome such challenges. Opportunities were also raise that they started to look for other opportunities within the community to keep their Businesses. Though they lost assets through the whole process, but they were happy to share that covid has opened other opportunities that were not familiar with like sanitizers and masks.

Clientele Money fo sho Financial Skills Training had a great impact in our Community. Most of our participants were unemployed youth who are very positive and optimistic about life. This Training helped them to better plan for the future by saving goals and teaching on investments. I think the most participants liked the session were we talking about the budget and the importance thereof!! Overall this training was an eye opener to many people and very informative. Many came out saying had they knew what they know now our lives could have been better and I responded by saying they must make right choices today so that their future will be what they want it to be. The most interesting was the needs and wants. It is funny how different and unique we are! It was difficult for some groups to agree on needs or wants. But at the end we agreed that our needs and wants will always differ...very interesting and fun we had! Indeed South Africa is alive with possibilities let's keep on building this beautiful nation.

Coronation Money Modular module 3&4. Participants were excited to share their stories on how scams and fraud has impacted their finance, one in particular from Nthabiseng Morabe who has experienced a phishing that made her to lose all her savings due to phishing call scam from Jet. She provided all her details including her banking details, pin and id numbers to the scammers and hours later R5780 of her savings was withdrawn from her account. She went to the bank to claim her money but unfortunately the bank investigated the matter and she was called to hear the bad news that she authorized the payment and she won't get her money back. She is now sending the matter to banking ombuds for assistance and she is confident that she will definitely get her money and she will give any stranger her details any more after the sessions. She really appreciate what Avo in partnership with Coronation is doing to her community as a lot of people have experienced the same incident but with no knowledge of where to start.

Clientèle MFS community session went well with the youth of ward 18. Issues of concern came from participants particularly from James Mothibe who shared his experience when it comes to retirements and estates. His passed on 2 yrs before his retirement age and he got all the documents that were suppose to be send to the retirement administrator. He did email the documents as requested but he was told nothing reflects on his father's portfolio,but he insisted as to why the annual report we're send to his father if nothing was not with the administrator. Then after attending the session and he managed to send the documents to fsca previously called fsb and he got his answer within 72 ours of submission from the same administrator to send his banking details for his claim. He has been referring family members and friends for the trainings ever since he attended the Clientèle Money Fo Sho session.

I had couple of sessions at Africa Rise. Im some of the sessions there were couple of young people who are running their own small businesses. They got empowered on drafting their budget and they considered to get business insurance. It was interesting to have young people who invited their parents to be empowered on financial literacy.

Generally Clientele money fo sho had a good impact to community to understand budget addressing risks and funeral policy. I had good attendance due influence the training has to done them so they inform each I was able to concentrate around Bolobedu because community were informing each other.most are very much interested because feel their life will change to better.if possible more training sessions can allocated

Group in Jokong it is deep rural area far from many things no network, electricity, drinking water from a stream . The money fo sho training gave them opportunity to interact with their situation and appreciate that the can able to live others who lives in developed. sees chance to change their lives. I'm happy because it a mixed group youths and old and community came in numbers were had to do ( yes and no ) to determine who to attend.

Training Money Fosho which had been sponsored by Clientel it was a great privilege It had intresting modules which the community really needed. The estate, Will, planning for a funeral aswell as managing risks were the most modules which loved by the community. I had a privilege to train people from different communities sampled and unemployed

We had a productive session with youth from NYDA AND SEDA SMME'S AND A COUPLE OF CWP EMPLOYEES WHO HAVE BUSINESSES AND IN AN INCUBATORS HIP WITH NYDA. NYDA RECOMMENDED OUR TRAININGS TO ALL THEIR REGISTERED SMME'S TO ATTEND OUR SESSION AND GET CERTIFICATED TO APPLY FOR FUNDING. THEY'RE IMPRESSED WITH THE CONTENT AND REQUESTED AN ENDLESS WORKING RELATION THROUTHOUT THE FREE STATE