*13. If I do not want to withdraw my dividends, how else can use them:* Other than withdrawing your dividends you can: 1. Capitalize (transfer to deposits/shares) and earn extra or. 2. Use your dividends to pay a loan. To do either a or b above fill Dividend Capitalization form scan and email to [email protected] . the form can be downloaded here https://hazinasacco.or.ke/assets/files/dividend-capitalization-revised-2023.pdf