chiltern holidays

ChilternsThe Hidden Gem - A Walkers Delight

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WALK IN THE CHILTERNS with Walkfree Breakfree & De Vere Venues

2 | walkfreebreakfree.co.uk

“Our objective is to deliver great walks and enjoy some magical miles together where at walks end you fondly remember the people, the places and the fun together. As a walking business delivering walks throughout the UK and further afield based in the Chilterns. We are particularly proud to be a member of the Chilterns Tourism Network delivering walking breaks and holidays in the Chilterns our home base - for us a very special place”

Iain Thomson - Founder Walkfree Breakfree

welcome

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Welcome to Walkfree Breakfree and thank you for your interest in our Chiltern walking weekends and holidays and I do

look forward to helping you discover and explore inspirational places and walks in the Chilterns. During my thirty year university career as a volunteer it was my pleasure to organise and lead staff and student groups on walks throughout the UK and further afield. I have developed Walkfree Breakfree as I believe a business founded on the ethos of a university outdoor club has much to offer including the friendships, lasting memories and fun that can be enjoyed by one and all.

Inspiration, motivation, encouraging participation and developing short breaks and holidays offering excellent value, opportunities to visit outstanding locations to enjoy great walks and a fabulous group experience is our aim.

As a very experienced and qualified walking group organiser I seek to share my passion and enthusiasm for the outdoors with you, and look forward to motivating and inspiring you on our walks here in the Chilterns.

Iain

OURTEAM

For more information, check out our website or get in touch: Website: www.walkfreebreakfree.co.ukEmail: [email protected]: 0844 357 2505Address: Walkfree Breakfree Ltd, 34 Sunnybank, Widmer End, High Wycombe, Bucks, HP15 6PA


Our values are important to us and these are shown below.

• A total commitment to providing our customers with memorable and quality experiences delivered in a style that differentiates us from our competitors.

• A focus on delivering services that meet the highest quality standards.

• In all our dealings and relationships we aim to achieve total integrity.

• Inspiring our staff and partners to be of service to each and every customer at all times.

• To be unique by constant research and response to customer needs and to be the best at what we do for our customers. Responding to their individual needs by providing the best options, supported by wide ranging research of the opportunities available.

• Working effectively together with our customers to define their needs, to meet aspirations and surpass expectations.

• To provide leaders, learning guides and hosts who are flexible and responsive to customer needs.

• Our staff will be professional, responsible and safe, knowledgeable and fun to be with, and at all times customer minded.

• Our staff will be the best and we will cherish them.

• We will appreciate diversity and culture and promote our company ethos which emphasises our social responsibility and a determination to promote inclusiveness.

• Remaining true to the ethos of our university background by fully embracing community, encouraging engagement, and always striving to enhance quality and value for money.

• Ensuring at all times when working with groups that we balance the needs of one and all and encourage personal achievement and attainment.

• A commitment to invest in effective staff training and customer care and product knowledge.

OURVALUES


SUPERB ESCAPES - DISCOVER MORE - DO MOREChilternThe

HILLS

Walk in the Chilterns Hills of England with Walkfree Breakfree to discover ancient and beautiful countryside and woodlands set in a unique landscape of a region recognised since Anglo-Saxon times.

Like us you will soon love walking in the Chiltern Hills, so close to London yet far from madding crowds. With its small and delicate fields and golden beech woods, its quaint hamlets, flint cottages, small and beautiful churches, drovers trails and tales of old.

Nearby on its boundaries we can discover the winding river Thames, the royal and mighty castle of Windsor and the ancient university town of Oxford.

The beautiful Chiltern Hills is one of the UK’s best and most outstanding Areas of Outstanding Natural Beauty (ANOB) and this lovely countryside, its maze of hundreds and indeed thousands of miles of well kept footpaths is one of England’s best kept walking secrets, which offers excellent walks in every season. The Chilterns are renowned for its sweeping chalk grasslands and wild flowers including the marvellous spring blanket of Bluebells in its ancient woodland and its glorious autumn colours.

The Chilterns Hills will truly delight walkers with its superb views, historic hamlets, stately homes, heritage and culture as it offers Walkfree Breakfree a fabulous opportunity to develop unique walking short breaks and holidays for singles, couples and groups.

In the Chilterns you will not be walking alone - but in the footsteps of some of England’s most famous, including poets and authors galore. Rupert Brooke was a poet who celebrated England and the English countryside and his visits to the Chilterns inspired him to write the poem called The Chilterns which includes the evocative verse:

“I shall desire and I shall findThe best of my desires;The autumn road, the mellow windThat soothes the darkening shires.And laughter, and inn-fires.”

Our walks in the Chilterns have been developed to show you the very best of this lovely and unique landscape and to make the most of our proximity to London, Windsor and Oxford with opportunities to visit the ancient coaching inns that were once the haunt of highwaymen. Our Chiltern walks gallery on our website features a number of the many excellent walks that are available in the area.

As a business we believe group companionship on walks is a wonderful ingredient and our walking guides have a simple philosophy - “of being here for you” and they look forward to spending time with you during the walks and helping to make your visit to the Chilterns a memorable one.

We promise our walks in the beautiful Chiltern Hills and its stunning countryside will enchant and enthral; it is a wonderful four-season walking destination and with its proximity to London, Windsor, Oxford and the Thames has much more than just walks to offer.


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Heathrow

Stansted

Luton

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Windsor Castleand Legoland

Warner BrosHarry Potter Tour

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FEELTHEVIEWS

We are delighted to be working with De Vere Venues who have a number of delightful and historic properties in and around the Chilterns which are ideal bases to deliver our walking breaks and holidays in the Chilterns. These venues allow us the flexibility over the

year to develop affordable, quality walking holidays and accommodate singles, couples and groups according to your budget and needs.

From your first steps our venues offer you wonderful

access to the beautiful Chiltern Hills and stunning countryside, and I promise you will not fail to be enchanted and enthralled. Our venues themselves offer some magical qualities; a service delivery style that focuses on our group needs, charm, history, culture, peace, comfort or excitement are all at hand and of course locations to deliver unique and flexible walking itineraries that can take you from ancient churches and traditional English pubs, to forests and rivers, hamlet and stately homes, mystery and myths and on to London should you wish! We offer guided and themed walking weekends and holidays, self guided/independent walking weekends and holidays and Chiltern day walks. Our walking short breaks and holidays in the Chilterns are available throughout the year as the Chilterns are a lovely and easily accessible destination in every season. We aim to deliver very sociable guided


OURVENUES

The De Vere Venues Latimer House, Uplands. Milton Hill House offering a high standard of hospitality. We believe De Vere and Walkfree Breakfree share an ethos that make us determined to deliver both value and a truly memorable experience in the Chilterns.


walking short breaks and holidays in the Chilterns that allow you to enjoy the countryside, heritage and nature. A number of our weekends and holidays are themed and ideal for combining a walk and a special interest.

If you prefer self-guided, independent walking holidays we offer our Breakfree in the Chilterns package. We prefer to base you in one location but will offer you a number of circular and linear walking routes to ensure you make the most of your visit to the Chilterns. We prefer to transport walkers to and from start points and not luggage as we believe that makes for a friendly and relaxing holiday. With detailed maps, our route guides and general information of the walks we are confident breaking free in the Chilterns will be a delightful experience.

Generally our guided Chiltern walking weekends are usually offered as two or three night breaks starting on a Friday evening. Our holiday packages usually start on a Friday evening to fit with venue availability but this may be adjusted if required. Our packages are designed to be fully inclusive and costs will include all meals, transport and walking guides.Our partnership with De Vere Venues offers you

excellent accommodation and an opportunity for Walkfree Breakfree to deliver an affordable and memorable Chiltern walking experience. Remember if booking as a group we may be able to offer you an inclusive door to door service, and collect you direct from airport or railway stations.

Our Chiltern walking holiday options will make the most of our proximity to London, giving opportunities to dip in and out of programmes and indeed be independent if that is your wish. As a company we seek to add value, for us group companionship is a wonderful ingredient and our walking guides have a simple philosophy - “being here for you” and they look forward to spending time with you during the walks and socially too.

Together our objective is to deliver great walks and above all a fantastic holiday experience where you remember the people and places, the fun and fond memories that last.

Live life - let’s go to the Chilterns, Thames and Oxford with Walkfree Breakfree and enjoy some magical miles together!

Walking - Grades and difficultyOur walks vary according to specific programme but are usually between 8/9 or 10/11 miles per day and we walk at a steady pace so you have ample time to enjoy your walk in our beautiful Chilterns with its rich natural landscape and heritage.

Walkfree Breakfree Chiltern guided walking Breaks. Our offer includes:• Quality Hotel or Conference Centre accommodation• Dinners each night• Packed Lunch • Personal service• Excellent guiding• Transport to walk start points when required• A social, relaxed approach and an opportunity to visit at least one of the local, traditional English pubs for which the Chilterns is renowned• ABTOT bonding in place


During this weekend you will enjoy walks along some of the beautiful Chiltern village’s valleys and ridges that connect with the River Thames. We will walk in Windsor Great Park and Runnymede taking some of the famous monuments.

Number of Nights: 2Location: WindsorAccommodation: Latimer PlaceTrip Type: WalkingPrice: from £255

The Chilterns, River Thames & Royal Windsor

Friday 7th to Sunday 9th June 2013

The Chilterns offer exceptional walks and an incredibly delightful network of footpaths that take you through some of England’s most delightful countryside and villages. During this walking weekend we will select routes that allow you to view some of our delightful churches and heritage.

Number of Nights: 2Location: Various Chilterns locationsAccommodation: Latimer PlaceTrip Type: WalkingPrice: from £255

The Chilterns Churches & Village Heritage Weekend

Friday 14th to Sunday 16th June 2013

THEMED WALKS & HOLIDAYSin the Chilterns


Our walking routes during this weekend will be be selected to maximise our opportunity of spotting the magnificent Chiltern Red Kites that swoop and swirl in the skies above.

Number of Nights: 2Location: ChilternsAccommodation: Latimer PlaceTrip Type: WalkingPrice: from £255

Chiltern Red Kite Trails

Friday 9th to Sunday 11th August 2013

Our all inclusive Summer holiday package offers incredible value, with five days of guided walks and meals included it is not to be missed.

Number of Nights: 6Location: ChilternsAccommodation: Latimer PlaceTrip Type: HolidayPrice: from £555

Chiltern Summer Holidays

Friday 9th to Friday 16th August or Friday 16th to Thursday 22nd August


The Chilterns villages and churches are key locations for the Midsomer Murder TV series. During this weekend of walks we will use the Chilterns famed footpath network to inter-link a number of the famous villages, churches and pubs - count you out and count you back!

Number of Nights: 2Location: ChilternsAccommodation: Latimer PlaceTrip Type: WalksPrice: from £255

Midsomer Murder Trails and Chiltern Villages

Friday 16th to Sunday 18th August 2013

During this weekend we shall enjoy several walks in the beautiful Chiltern Hills, stopping en route at some of the areas historic public houses. On Saturday our walk also encompasses a stop and tour of the excellent local brewery.

Number of Nights: 2Location: Chilterns AreaAccommodation: Latimer PlaceTrip Type: WalkingPrice: from £255

The Chilterns Pubs and Brewery Weekend

Friday 20th to Sunday 22th Sept 2013


The Chilterns with its beautiful beech forests and mixed woodland offers some of the best autumn walks in England. During this weekend we will combine forest, countryside and heritage to offer you an autumn spectacular.

Number of Nights: 2Location: ChilternsAccommodation: Latimer PlaceTrip Type: WalksPrice: from £255

Chiltern Autumn Colours

Friday 11th to Sunday 13th Oct 2013

Join us in the beautiful Chilterns for a NNAS Navigation Course where you will learn the skills necessary to help you Breakfree and roam free independently in the great world outdoors.

Number of Nights: 2Location: ChilternsAccommodation: Latimer PlaceTrip Type: Navigation CoursePrice: from £325

Introduction to Navigation Weekend - Bronze NNAS Course

Friday 11th to Sunday 13th October 2013


During the weekend you are going to take a break... one that combines Yoga and the time to enjoy a walk, to interact with the world around you and the people you are with. To use your senses to enjoy and connect with your surroundings, the wildlife and natural beauty all around us, and come to appreciate the inner smile a simple walk and yoga session can deliver.

Number of Nights: 2Location: Chilterns AreaAccommodation: Latimer PlaceTrip Type: Walking and YogaPrice: from £275

Walks and Yoga - Chilterns Self Discovery Weekend

Friday 25th to Sunday 27th October 2013

Join us in the beautiful Chilterns for a NNAS Navigation Course where you will learn the skills necessary to help you Breakfree and roam free independently in the great world outdoors.

Number of Nights: 2Location: ChilternsAccommodation: Latimer PlaceTrip Type: Navigation CoursePrice: from £325

Introduction to Navigation Weekend - Silver NNAS Course

Friday 15th to Sunday 17th Nov 2013


Forget the hustle and bustle of Christmas and enjoy a short festive steps walking break with us. During the weekend we will enjoy a few festive walks with mince pies and mulled wines and visit Windsor to enjoy its festive spirit and lights. An active but totally relaxing weekend for sure

Number of Nights: 2Location: ChilternsAccommodation: Latimer PlaceTrip Type: Walks and visit to WindsorPrice: from £255

Festive Steps: In the Chilterns and Royal Windsor

Friday 13th to Monday 16th Dec 2013

FREECHILTERN DAY WALKS

Our Walkfree Breakfree ethos is simple - we want to encourage participation by one and all - so please do take this opportunity to join one of our Chiltern Day Walks - 100% free if it is your first Chiltern walk with Walkfree Breakfree. Do get the Chiltern day walk dates into your diary now and do remember you do need to join our mailing list. This enables us to send you full details of the walks which can change during the year at short notice and new dates added. We look forward to seeing you soon on one of our Chiltern Day walks soon.

April 15th - Beaconsfield Circular WalkApril 21st - Bluebells WalkMay 19th - A Village and valley spectacularJune 9th - Riverside strollSeptember 15th - West Wycombe wandersOctober 6th - The Walkers TownNovember 10th - Autumn ColoursDecember 21st - Festive Steps

For full details of our day walk programme and to join our mailing list, please visit our website, www.walkfreebreakfree.co.uk.


gentle walking and discovery tours

NEW 2013


The Chilterns villages and hamlets are often used as locations for the Midsomer Murder TV series. We will tour and enjoy walks in a number of the locations used for filming. The famed Chiltern network of footpaths will offer us ample opportunity inter-link a number of the famous villages, churches and pubs – and we promise to count you out and count you back!

Number of Nights: 2 or 3Location: ChilternsAccommodation: De Vere VenuesTrip Type: Active Tour & Discovery WalksPrice: from £255 or £295

Ideal for groups - contact us for more information

ACTIVE TOUR & DISCOVERY WALKS: The Chiltern Hills, Explore and Discover our Midsomer Murder Villages and trails if you Dare!

A walking weekend when we use the fabulous footpaths of the Chilterns to link together a number of the lovely and quaint churches and villages. Walks and heritage a lovely combination that will delight and surprise.

Number of Nights: 2 or 3Location: ChilternsAccommodation: De Vere VenuesTrip Type: Active Tour & Discovery WalkPrice: from £255 or £295

Ideal for groups - contact us for more information

ACTIVE TOUR & DISCOVERY WALKS: The Chiltern Churches & Village Heritage Trail

Our Active Tours - Discovery Walks are ideal for those who enjoy making the most of their time, preferring a little

more physical activity and exercise than that offered on traditional coach tours. Our objective is to combine a pleasant three hour walk (5-7 miles depending on terrain and gradient) with an excursion tour to some of the most inspiring and interesting destinations here in the UK and across the channel.

Here in our delightful Chiltern Hills we are pleased to offer two interesting and Active Tours and Discovery Walks that will enthral.

SELF GUIDEDWALKING HOLIDAYS

Independent walking holidays in the Chilterns Break Free in the Chilterns

For those who prefer the freedom of independent walking we are pleased of offer packages designed for your exclusive needs. Just let us know your preferred number of nights and preferred daily walking distance (7/8, 9/11 miles or 14/15) and we develop a customised routes package for you direct from your accommodation base. These routes will be our favourites and depending on the number of nights booked they may include linear or a-b routes to ensure you make the most of your visit to the Chilterns. Transport costs will be on us! Your costs will include maps, route instructions, help/advice and local support, accommodation B&B and usually dinner and packed lunch.

Date: Throughout the YearNumber of Nights: 2, 3, 5 or 7 nightsLocation: ChilternsAccommodation: De Vere Venues or Hotel/Inn/quality guest houseTrip Type: Independent WalksPrice: 2 nights £195 3 nights £245 6 nights £455

Booking ConditionsWalk Free Break Free Ltd: Booking conditionsPlease read through our booking conditions carefully. The person making the booking form accepts the terms of these booking conditions on behalf of everyone named in the booking.1. Making your bookingTo make a booking, please email or telephone us to check availability and we will hold your place for 7 days. To confirm the booking, please return to us a completed booking form with the required a deposit per person as stipulated on the form. Full payment must be made at time of booking if 6 weeks before your trip starts (unless otherwise stated on booking form).The deposit paid in respect of each break or holiday is accepted as a first instalment of the charge. The receipt or banking of a deposit or the making of a provisional reservation does not imply final acceptance of the booking; neither is a verbal quotation confirmation of final cost. If a booking cannot be accepted, notification and refund of any deposit will be sent as soon as possible.If accepted a confirmation invoice will be forwarded to you normally within 2 weeks of receipt of your signed booking form. The contract is made between us when we send this confirmation.2. Changing your bookingIf after your booking has been confirmed you wish to transfer to a different break or holiday or departure date, we will make every effort to satisfy your requirements provided that written notification is received at our offices from the person who signed the booking form, not later than the date on which balance of the original holiday price is due for payment. Alterations made within the balance due period will be regarded as a cancellation by you of the original holiday and a new booking for a different holiday, and the cancellation charges set out below [para 6] will apply.If after your booking has been confirmed you are unavoidably prevented from proceeding and wish to transfer your confirmed booking to another person, you can do so, provided that this is not later than 30 days before departure. You, as transferor of the holiday, and the transferee shall be jointly and severally liable to us for the payment of the balance due, together with all additional charges of whatever sort imposed by the suppliers providing component parts of your holiday.In all cases, you will be required to pay an administration fee of up to £20 per person.3. Making paymentWe will send you an invoice for the balance, due 6 weeks before the break or holiday starts. Should the balance not be received by the due date, your place may be released, and our cancellation policy will apply. We guarantee that the price of your holiday will not be subject to alterations or surcharges once the booking has been confirmed.4. If we have to alter your break or holidayThe itineraries and schedules are put forward as a statement of our intention only and are not representations or undertakings that they will be carried out. In rare circumstances we may have to make alterations to ensure your safety or to respond to unplanned events outside our control.If we have to alter your break or holiday before departure, any alteration will either be major or minor. Where an alteration is minor, we will, if practicable, advise you before departure, but we are not obliged to do so or to pay you compensation. A minor alteration is any alteration apart from a major alteration as defined below.When an alteration is a major alteration (and a major alteration is an alteration which for instance involves changing your accommodation), we will advise you as soon as is reasonably possible.You will then have the choice of accepting the alteration, taking an alternative holiday (and where this is of a lower price, we will refund the difference), or withdrawing from the contract and accepting a full refund of all monies paid. In addition, in appropriate cases, we will pay you (which in this circumstance means we will pay each individual in the tour party) compensation on the scale shown below (on the assumption that the full balance has been paid). More than 29 days nil 28 - 15 days before departure £15 14 - 0 days before departure £205. If we have to cancel your holidayIf we have to cancel your break or holiday for example due to lack of numbers or events beyond our control before the date of departure, you will have the choice of taking an alternative break or holiday (and where this is of a lower price we will refund the difference) or withdrawing from the contract and accepting a full refund of all monies paid.We shall not cancel a break or holiday after the date when the payment of the balance becomes due, unless you default in payment of an outstanding balance or unless it is necessary for us to do so as a result of force majeure.Force majeure means unusual and unforeseeable circumstances beyond our control, the consequences of which neither we nor our suppliers could avoid, and specifically relates to the illness or injury of either of us since we are integral to the holiday (and particularly guided tours) but also includes war or threat of war, riots, civil strife, terrorist activities, industrial disputes, natural or nuclear disaster, fire or adverse weather conditions, level of water in rivers or other similar events beyond our control.6. Should you need to cancelBecause of our intimate size, any cancellation affects us significantly and we adhere to a strict cancellation policy. Please tell us about your cancellation in writing. From the date when we receive written cancellation from you the following policy will apply; Table below confirms retention from total holiday value

We recommend that you are fully covered by a comprehensive insurance policy.

7. Safety• In the interest of safety you must undertake to:• follow the instructions or guidance of your tour guide;• Fully understand the basis of participation and your personal responsibility to your-self and duty of care to others in the group;• Follow the advice or warning or advisory notices encountered on your walk;• Follow the countryside code and act sensibly and prudently at all times.You should advise us at the time of booking if you have any medical condition or are taking medication that may affect your walking ability. We reserve the right to ask you for a medical certificate to confirm that you are physically able to cope with the tour.8. Parental responsibilityParents or guardians undertake to accept full responsibility and supervision of and for their children at all times.Under the provisions of the Young Persons Safety Act and Adventure Activities Licensing Regulations 1995, some walking in upland areas in the UK may require all children under 18 to be accompanied by a parent or legal guardian.9. InsuranceWe strongly advise you to arrange insurance to cover personal accident, cancellation of your holiday by yourselves for loss of personal effects and personal liability.10. CateringYou should be aware that no guarantee can be given that food served is completely free from nuts and peanuts or is completely safe for those with other food allergies. If requested we can make every effort to minimise risk but contamination may occur. The fact is that nut and pea nut containing products are processed in the same production areas as non nut and peanut products, consequently be aware that all menus “may contain traces of nuts”.Should clients have specific dietary requirements or special diets we will be pleased to discuss individual needs with clients and deliver suitable options where reasonably practical.Please note our menus may be subject to change without notice as they are dependent on product availability and seasonality11. Participation statement:Please note all participants are participating in activities on the basis of a participating adult with Parents/guardians being responsible for children at all times. To make your participation easy you will be asked to sign a disclaimer to ensure you and your party members understand your relationship with Walkfree Breakfree Ltd. Without this we would be reluctant to let you join our organised walks and activities - or indeed, pass on information and opinions to you. By signing the disclaimer, you agree you do not hold Walkfree Breakfree Ltd responsible for any information or opinions it offers and that you do everything at your own risk. We will always endeavour to give accurate and appropriate information, but we do not take responsibility for them and they are acted upon by you at your own risk. We would draw your attention to The British Mountaineering Council (BMC ) statement below offers information on a responsible adult : “The BMC recognises that climbing and mountaineering/walking or cycling are activities with a danger of personal injury or death. Participants in these activities should be aware of and accept these risks and be responsible for their own actions and involvement”. 12. Health & FitnessBookings are accepted on the understanding that all persons participating are normally in good health and physically equally to the minimum demands of the chosen trip. If this is in doubt the Booking Form must be accompanied by a doctor’s certificate stating that it is entirely safe for you to go on the particular trip you have chosen.13. Your Financial Protection As a member of the Association of Bonded Travel Organisers Trust Limited (ABTOT), Walkfree Breakfree Ltd has provided a bond to meet the requirements of the Package Travel, Package Holidays and Package Tours Regulations 1992.In the event of Walkfree Breakfree Limted insolvency, protection is provided for non-flight packages commencing in and returning to the UK and other non-flight packages excluding pre arranged travel to and from your destination. Please note that packages booked outside the UK are only protected when purchased directly with Walkfree Breakfree Ltd.In the above circumstances, if you have not yet travelled you may claim a refund, or if you have already travelled, you may claim repatriation to the starting point of your non-flight package. 14. ComplaintsShould you wish to make a complaint during your holiday, you should contact your tour guide or leader as soon as practical and we will do our best to resolve the problem straight away. If the problem cannot be resolved on the spot, please write to us at our office within 14 days with full details.15. Dealing with ComplaintsIf, despite our best efforts and having followed the above procedure for reporting and resolving your complaint, you feel that it has not been satisfactorily settled, we recommend that it is referred for arbitration under the ABTOT Travel Industry Arbitration Service. An Independent Arbitrator will review the documents relating to any complaint and deliver a binding decision to bring matters to a close. Details of this scheme are available from The Travel Industry Arbitration Service, administered by Dispute Settlement Services Ltd at Field End Barn, 2 Bury Farm, Kimpton, Hitchin, Hertfordshire SG4 8RH or from ABTOT, Tower 42, Old Broad Street, London, EC2N 1HG. This scheme cannot however decide cases where the sums claimed exceed £1,500 per person or £7,500 per booking form, or for claims which are solely or mainly in respect of physical injury or illness or the consequences thereof. Notice Received

UK individual Bookings or groups less than 4

Non UK or Group Bookings (groups of 5 or more)

More than 42 days Deposit Deposit

42-29 days 50% 75%

28-15 days 75% 100%

14 days of less 100% 100%

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