This is a new savings product for VANWODS. School fees in Vanuatu can be a significant expense for parents. To ensure families can afford their children's school fees and educational expenses, we encourage members to save throughout the year. VANWODS clients may open a Pikinini Kea Savings account for their child and save a minimum of VT200 each week. These savings can only be withdrawn during January of each year, with the expectation that this money will be spent on school fees. Any withdrawal made outside of January will incur a penalty fee.