Kiro Spirov, Skopje

I am among the first member-savers in FULM. For a long time I used the salary savings service (voluntary investment) and I always had extra money saved for summer vacations, car registration and the like. Some time ago, my son told me the good news that he had decided to get married and pleasantly surprised me. That was an additional reason to hurry with the renovation of the upper floor of the house, meant for the young, but I lacked money to complete the bathroom and some other details. I immediately remembered FULM and that you exist to help us when we need it most. I applied to the JSP branch in Avtokomanda and as always, you were quick and efficient. In just two days, my loan was approved, and I managed to complete the renovation of the bathroom and the floor in time, so that we could properly welcome my new daughter-in-law.

A huge thank you for always being there for us!

Note: The text is a personal statement and is not subject to proofreading