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basic_chain.py

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+import os
+import logging
+
+from langchain_core.output_parsers import StrOutputParser
+from langchain_core.prompts import ChatPromptTemplate
+from langchain_openai import ChatOpenAI
+from langchain_community.llms import HuggingFaceHub
+from langchain_community.chat_models.huggingface import ChatHuggingFace
+from dotenv import load_dotenv
+
+# Configure logging 
+logging.basicConfig(level=logging.INFO, format='%(asctime)s - %(levelname)s - %(message)s')
+
+MISTRAL_ID = "mistralai/Mistral-7B-Instruct-v0.1"
+ZEPHYR_ID = "HuggingFaceH4/zephyr-7b-beta"
+
+
+
+def get_model(repo_id="ChatGPT", **kwargs):
+    """
+    Loads and configures the specified language model.
+
+    Args:
+        repo_id: The model identifier ("ChatGPT", MISTRAL_ID, or ZEPHYR_ID).
+        **kwargs: Additional keyword arguments for model configuration.
+
+    Returns:
+        A configured ChatOpenAI or ChatHuggingFace model.
+    """
+    try:
+        if repo_id == "ChatGPT":
+            model_name = kwargs.get("model_name", "gpt-4o-mini")
+            logging.info(f"Loading OpenAI model: {model_name}")
+            chat_model = ChatOpenAI(
+                openai_api_key = kwargs.get("openai_api_key", None),
+                base_url = "https://openrouter.ai/api/v1", 
+                model = "nousresearch/hermes-3-llama-3.1-405b",
+                temperature = 0
+            )
+        else:
+            logging.info(f"Loading Hugging Face model: {repo_id}")
+            huggingfacehub_api_token = kwargs.get("HUGGINGFACEHUB_API_TOKEN", None)
+            if not huggingfacehub_api_token:
+                huggingfacehub_api_token = os.environ.get("HUGGINGFACEHUB_API_TOKEN", None)
+            if not huggingfacehub_api_token:
+                raise ValueError("HuggingFace Hub API token not found. "
+                                 "Set HUGGINGFACEHUB_API_TOKEN environment variable.")
+            os.environ["HF_TOKEN"] = huggingfacehub_api_token
+
+            llm = HuggingFaceHub(
+                repo_id=repo_id,
+                task="text-generation",
+                model_kwargs={
+                    "max_new_tokens": 512,
+                    "top_k": 30,
+                    "temperature": 0.1,
+                    "repetition_penalty": 1.03,
+                    "huggingfacehub_api_token": huggingfacehub_api_token,
+                })
+            chat_model = ChatHuggingFace(llm=llm)
+        return chat_model
+    except Exception as e:
+        logging.error(f"Error loading model '{repo_id}': {e}")
+        # Handle the error based on your needs:
+        # - Return a default model: 
+        #   return ChatOpenAI(temperature=0, model="gpt-3.5-turbo") 
+        # - Raise a custom exception:
+        #   raise RuntimeError(f"Failed to load model: {e}")
+        # - Exit the application:
+        #   sys.exit(1)
+
+
+def basic_chain(model=None, prompt=None):
+    """
+    Creates a basic LangChain chain with a prompt and a language model.
+
+    Args:
+        model: The language model to use.
+        prompt: The prompt template.
+
+    Returns:
+        A LangChain chain.
+    """
+    if not model:
+        model = get_model()
+    if not prompt:
+        prompt = ChatPromptTemplate.from_template("Tell me the most noteworthy books by the author {author}")
+
+    chain = prompt | model
+    return chain
+
+
+def main():
+    """
+    Main function to demonstrate the basic chain.
+    """
+    load_dotenv()
+
+    prompt = ChatPromptTemplate.from_template("Tell me the most noteworthy books by the author {author}")
+    chain = basic_chain(prompt=prompt) | StrOutputParser()
+
+    try:
+        results = chain.invoke({"author": "William Faulkner"})
+        print(results)
+    except Exception as e:
+        logging.error(f"Error during chain execution: {e}")
+
+
+if __name__ == '__main__':
+    main()

data/equity_account_current.txt

@@ -0,0 +1,80 @@
+Current Account
+===============
+
+This is a convenient and flexible medium for a range of transactions. With this account you are free to make deposits, receive money, make payments, make withdrawals and set up standing orders.  
+  
+Ideal for:
+
+*   Individuals (singly or jointly)
+*   Groups
+*   Registered entities Groups and  registered entities be separated from the individual
+
+### Key Features of the Current Account
+
+1.  No minimum operating balance.
+2.  None interest earning
+3.  No monthly charges.
+4.  Full access to mobile banking.
+5.  Customer can choose a payment card that best suits their needs. They Include: prepaid cards, debit cards and credit cards.
+6.  Cash and cheque deposits.
+7.  Chequebook
+
+### Charges
+
+For charges applicable to this product/service, refer to the [tariff guide](https://equitygroupholdings.com/ke/images/docs/tariff-guide.pdf "Tariff Guide") available on this [link.](https://equitygroupholdings.com/ke/images/docs/tariff-guide.pdf "Tariff Guide") 
+
+[Tariff Guide](https://equitygroupholdings.com/ke/images/docs/tariff-guide.pdf)
+
+### Why You Should Open a Current Account
+
+1.  Cash and cheque deposits.
+2.  No maintenance fees.
+3.  No ledger fees.
+4.  Customers can access the account from any of the countries Equity Bank Operates in.
+5.  24hour support through 0763063000 and/or [info@equitybank.co.ke](mailto:info@equitybank.co.ke)
+6.  free monthly statements and internal standing orders
+7.  This account can be operated in KSh, USD, EURO or GBP
+8.  Instant Mastercard or Visa Card issued on application
+9.  Online banking and mobile banking opt-in option
+10.  Access to overdraft facilities
+
+*   ### What You Require to Open This Account
+    
+    To open this account:
+    
+    1.  Individuals (singly or jointly) -Original Identification document & KRA Pin
+    2.  Registered Groups - Registration Certificate, Constitution, minutes of resolution to open account certified by the District Social Development officer (DSDO).
+    3.  An introduction letter from the DSDO
+    4.  Registered Business- see account opening requirements for different entities.
+    
+    ### Sign up Process
+    
+    1.  Visit your nearest Equity bank branch
+    2.  Present the required documents and fill out the application form
+    3.  The bank will then process your application and you can start banking with us.
+    4.  For any further clarification, fill the form below and we will get back to you
+    
+    ### Potential Risks
+    
+    *   To safeguard funds in your account, do not share you PINs with anyone. 
+    *   When making payments using your card, be sure the card stays in your sight.  If you lose your card, communicate to the bank to block it.
+    *   If you suspect any of your PINs is known by others, please change it immediately.
+    
+    ### Transaction Process
+    
+    *   Cash transaction on account happens on a real-time basis.
+    
+    ### Complaints Handling Process  
+      
+    
+    *   Lodge complaint at any of our branches, via call center, info@equitybank.co.ke or feedback link [TALK TO US](https://equity.custhelp.com/app/ask). We will record your feedback and issue you with a reference number.
+    *   We will acknowledge your feedback within 48hours.
+    *   If we cannot resolve the complaint immediately, we will advise on the next cause of action and when to expect feedback from us.
+    *   We will endeavour to resolve the complaint within 7 working days. However, should we require more time to it, we will keep you updated with progress every 7 days until the complaint is resolved.
+    *   Should the resolution not meet your satisfaction, feel free to get back to us with your concerns and we will review the issue and resolution and revert back to you.
+    
+    ### Rights and Obligations
+    
+    *   T & Cs of products is available on the website and as part of the account opening form.
+    *   Data privacy policy included in customer onboarding and account opening forms
+    

data/equity_account_fees_commissions.json

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+[
+    {
+      "Account Services": "Ad hoc Statement Fees (per page)",
+      "Charges in KShs": "150"
+    },
+    {
+      "Account Services": "Bank Opinion / Introduction / Credit Reference",
+      "Charges in KShs": "2,000"
+    },
+    {
+      "Account Services": "Dormant Account reactivation Fees",
+      "Charges in KShs": "200"
+    },
+    {
+      "Account Services": "Interest Certificate (Free for Churches)",
+      "Charges in KShs": "500"
+    },
+    {
+      "Account Services": "Ledger Fees",
+      "Charges in KShs": "Nil"
+    },
+    {
+      "Account Services": "Photocopy per page",
+      "Charges in KShs": "20"
+    },
+    {
+      "Account Services": "Postage/Registered Mail",
+      "Charges in KShs": "As per courier charges"
+    },
+    {
+      "Account Services": "Retrieval of Documents (more than 1 month old)",
+      "Charges in KShs": "500"
+    },
+    {
+      "Account Services": "Search Fees",
+      "Charges in KShs": "500"
+    },
+    {
+      "Account Services": "SMS Alert fee (Per transaction, where applicable)",
+      "Charges in KShs": "2"
+    },
+    {
+      "Account Services": "Bulk coins over Kshs 10,000",
+      "Charges in KShs": "0"
+    },
+    {
+      "Account Services": "Bulk notes over Kshs 500,000",
+      "Charges in KShs": "0"
+    },
+    {
+      "Account Services": "Collection account charges per transaction",
+      "Charges in KShs": "50"
+    },
+    {
+      "Account Services": "SWIFT Remittance (MT103) - Incoming",
+      "Charges in KShs": "600 or Equivalent in Forex"
+    },
+    {
+      "Account Services": "SWIFT Remittance (MT103) - Outgoing",
+      "Charges in KShs": "1,500 or Equivalent in Forex"
+    },
+    {
+      "Account Services": "EAPS Remittance (MT103) - Incoming",
+      "Charges in KShs": "Free"
+    },
+    {
+      "Account Services": "EAPS Remittance (MT103) - Outgoing",
+      "Charges in KShs": "500"
+    },
+    {
+      "Account Services": "RTGS Remittance (MT103) - Incoming",
+      "Charges in KShs": "Free"
+    },
+    {
+      "Account Services": "RTGS Remittance (MT103) - Outgoing",
+      "Charges in KShs": "500"
+    },
+    {
+      "Account Services": "Standing instructions placement",
+      "Charges in KShs": "Free"
+    },
+    {
+      "Account Services": "Bankers Cheques - Customers",
+      "Charges in KShs": "100"
+    },
+    {
+      "Account Services": "Issuance of Foreign Currency Drafts (Drawn outside Kenya)",
+      "Charges in KShs": "600"
+    },
+    {
+      "Account Services": "Cheque Book Per leaf (Incl. KShs. 2.5 stamp duty)",
+      "Charges in KShs": "17.5"
+    },
+    {
+      "Account Services": "Counter Cheque (Retail)",
+      "Charges in KShs": "300"
+    },
+    {
+      "Account Services": "Counter Cheque (Supreme)",
+      "Charges in KShs": "500"
+    },
+    {
+      "Account Services": "Dividend Cheque Clearing Charges",
+      "Charges in KShs": "Nil"
+    },
+    {
+      "Account Services": "Inhouse Unpaid Cheque (Refer to Drawer)-Issuer",
+      "Charges in KShs": "2,500"
+    },
+    {
+      "Account Services": "Inhouse Unpaid Cheque (Refer to Drawer)-Payee",
+      "Charges in KShs": "2,000"
+    },
+    {
+      "Account Services": "Inhouse Unpaid Cheque (Technical)",
+      "Charges in KShs": "2,000"
+    },
+    {
+      "Account Services": "Inward Clearing Charge",
+      "Charges in KShs": "50"
+    },
+    {
+      "Account Services": "Inward Unpaid Cheque (Refer to Drawer)",
+      "Charges in KShs": "2,500"
+    },
+    {
+      "Account Services": "Inward Unpaid Cheque (Technical)",
+      "Charges in KShs": "2,000"
+    },
+    {
+      "Account Services": "Outward Clearing Charge",
+      "Charges in KShs": "Nil"
+    },
+    {
+      "Account Services": "Outward Unpaid Cheque (Refer to Drawer)",
+      "Charges in KShs": "2,000"
+    },
+    {
+      "Account Services": "Outward Unpaid Cheque (Technical)",
+      "Charges in KShs": "2,000"
+    },
+    {
+      "Account Services": "Payment Voucher Stop Payment Instructions",
+      "Charges in KShs": "1,500"
+    },
+    {
+      "Account Services": "Stop Cheque Instructions",
+      "Charges in KShs": "1,000"
+    },
+    {
+      "Account Services": "Bills Payable Printing for Per Cheque",
+      "Charges in KShs": "100"
+    },
+    {
+      "Account Services": "Direct Debit failure charge",
+      "Charges in KShs": "300"
+    },
+    {
+      "Account Services": "Funds Transfer/EFTs - Internal",
+      "Charges in KShs": "100"
+    },
+    {
+      "Account Services": "Local Money Transfer EFT to Non-Customers",
+      "Charges in KShs": "300"
+    },
+    {
+      "Account Services": "PAYE Remittances",
+      "Charges in KShs": "300"
+    },
+    {
+      "Account Services": "Remittances - Tea, Salaries, Coffee, Milk",
+      "Charges in KShs": "100"
+    },
+    {
+      "Account Services": "Standing Orders - Internal",
+      "Charges in KShs": "Free"
+    },
+    {
+      "Account Services": "Standing Orders/EFTs - External",
+      "Charges in KShs": "300"
+    },
+    {
+      "Account Services": "Standing Orders/EFTs - Failed",
+      "Charges in KShs": "500"
+    },
+    {
+      "Account Services": "Certification of Balances for Audit Purposes",
+      "Charges in KShs": "1,000"
+    },
+    {
+      "Account Services": "KPLC Payments Commission",
+      "Charges in KShs": "25"
+    }
+  ]

data/equity_account_investments.txt

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+Investments A/C
+===============
+
+### **CDSC Account**
+
+The CDSC Account is an electronic account that holds your shares and manages the process of transferring shares that are traded in the NSE (Nairobi Securities Exchange). You may open a CDSC Account through a stockbroker, Investment Bank or Custodian (Equity Bank) authorized by Central Depository and Settlement Corporation, the entity that facilitates holding of shares in electronic accounts opened by shareholders.
+
+*   [CDSC Account](https://www.cdsckenya.com/)
+
+### **C.B.K CDS Account.**
+
+This is an electronic account managed by the Central Bank of Kenya that holds an investor’s Treasury Bills and Treasury Bonds and manages the purchase and sale of the securities.
+
+*   [C.B.K CDS Account](https://www.centralbank.go.ke/)
+
+### **FEATURES OF CDSC ACCOUNT.**
+
+*   It allows immediate transfer of shares upon purchase or sale.
+*   There is no paperwork involved during the transfer of shares from a buyer to seller.
+*   Account automation eliminates risks of forgery, damage to the document, clerical errors etc.
+*   An investor’s shares are held in one account making it easy for management.
+*   The investor receives an electronic statement of his/her account holdings.
+
+### **FEATURES OF C.B.K CDS ACCOUNT.**
+
+*   The account is for trading in treasury bills and treasury bonds only.
+*   The account is opened by the Central Bank of Kenya on behalf of investors.
+*   The investor receives an electronic statement of his/her CDS account holdings.
+
+###  Reasons Why You Should Open an Investment Account
+
+1.  This account enables the consolidation of your assets.
+2.  With this account you get to enjoy professional expertise available from Equity Bank.
+3.  With this account, you are assured of security for your investments.
+4.  We ensure timely collection of dividends, interest, bonuses and rights for your investments.
+5.  Regular investment reports will be made available to you.
+6.  You are provided the chance to diversify your investment portfolio efficiently and affordably.
+7.  Get to enjoy fast, efficient and all-round friendly service.
+8.  We provide a smooth succession avenue for your investments.
+9.  Service for account holders is available in all our branches countrywide.
+
+*   ### REQUIREMENTS
+    
+    *   An Equity Bank Account.
+    *   A copy of your Kenyan ID/Passport, a passport size photo and your KRA PIN.
+    *   A fully executed and signed CDS 1 form.
+    
+    ### TRANSACTION PROCESS
+    
+    *   Visit any of Equity Bank branches to fill CDSC forms, share purchase or sell form and the hank will facilitate the transactions for you.
+    
+    ### RIGHTS AND OBLIGATIONS
+    
+    *   T & Cs are available on CDSC website and on the respective forms.
+    
+    ### COMPLAINTS HANDLING PROCESS
+    
+    *   Lodge complaint at any of our branches, via call center, [info@equitybank.co.ke](mailto:info@equitybank.co.ke) or website: [https://equitygroupholdings.com/ke/](https://equitygroupholdings.com/ke/) We will record your feedback and issue you with a reference number.
+    *   We will acknowledge you feedback within 48hours.
+    *   If we cannot resolve the complaint immediately, we will advise on the next cause of action and when to expect feedback from us.
+    *   We will endeavor to resolve the complaint within 7 working days. However, should we require more time to it, we will keep you updated with progress every 7 days until the complaint is resolved.
+    *   Should the resolution not meet your satisfaction, feel free to get back to us with your concerns and we will review the issue and resolution and revert to you.

data/equity_account_ordinary.txt

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+Equity Ordinary Account
+=======================
+
+Equity Ordinary Account is your perfect medium for personal deposits, daily business transactions and remittances.  
+  
+Ideal for:
+
+*   Individuals (singly or jointly)
+*   Groups –Groups and registered entities be separated from the individual,
+*   Registered entities
+
+### Key Features
+
+*   No minimum operating balance.
+*   No monthly charges.
+*   Full access to mobile banking and internet banking
+*   Customer can choose a payment card that best suits their needs. They Include:  prepaid cards, debit cards and credit cards.
+*   Cash and cheque deposits.
+
+### Why You Should Open an Ordinary Account
+
+1.  No maintenance fees.
+2.  No ledger fees.
+3.  Customers can access their account from any of the countries Equity Bank Operates in.
+4.  24hour support through 0763063000 and/or [info@equitybank.co.ke](mailto:info@equitybank.co.ke)
+5.  Instant Mastercard or Visa Card issued on application
+6.  Online banking and mobile banking opt-in option
+
+### Charges
+
+For charges applicable to this product/service, refer to the [tariff guide](https://equitygroupholdings.com/ke/images/docs/tariff-guide.pdf "Tariff Guide") available on this [link.](https://equitygroupholdings.com/ke/images/docs/tariff-guide.pdf "Tariff Guide") 
+
+[Tariff Guide](https://equitygroupholdings.com/ke/images/docs/tariff-guide.pdf)
+
+*   ### What You Require to Sign Up
+    
+    1.  Individuals (singly or jointly) -Original Identification document & KRA Pin
+    2.  Registered Groups - Registration Certificate, Constitution, minutes of resolution to open account certified by the District Social Development officer (DSDO).
+    3.  An introduction letter from the DSDO
+    4.  Registered Business- see account opening requirements for different entities.
+    
+    ### Sign up Process
+    
+    1.  Download the application form
+    2.  Present the filled out form and necessary documents to the nearest Equity branch.
+    3.  The bank will then process your application and you can start banking with us.
+    4.  For any further clarification, fill the form below and we will get back to you.
+    
+    ### Transaction Process
+    
+    *   Cash transaction on account happens on a real-time basis.
+    
+    ### Complaints Handling Process
+    
+    *   Lodge complaint at any of our branches, via call center, info@equitybank.co.ke or feedback link [TALK TO US](https://equity.custhelp.com/app/ask). We will record your feedback and issue you with a reference number.
+    *   We will acknowledge your feedback within 48hours.
+    *   If we cannot resolve the complaint immediately, we will advise on the next cause of action and when to expect feedback from us.
+    *   We will endeavour to resolve the complaint within 7 working days. However, should we require more time to it, we will keep you updated with progress every 7 days until the complaint is resolved.
+    *   Should the resolution not meet your satisfaction, feel free to get back to us with your concerns and we will review the issue and resolution and revert back to you.
+    
+    ### Potential Risks
+    
+    *   To safeguard funds in your account, do not share you PINs with anyone. 
+    *   When making payments using your card, be sure the card stays in your sight.  If you lose your card, communicate to the bank to block it.
+    *   If you suspect any of your PINs is known by others, please change it immediately.
+    
+    ### Rights and Obligations
+    
+    *   T & Cs of products are available on website and as part of account opening form.
+    *   Data privacy policy included in customer onboarding and account opening forms

data/equity_agency_banking_charges.json

@@ -0,0 +1,18 @@
+[
+    {
+      "Service": "Agent Annual Renewal fees",
+      "Charge (Kshs)": "1,000"
+    },
+    {
+      "Service": "Agent Approval Fee",
+      "Charge (Kshs)": "1,000"
+    },
+    {
+      "Service": "Agent Network Approval (Access Fee)",
+      "Charge (Kshs)": "15,000"
+    },
+    {
+      "Service": "Agent Withdrawal & Deposit",
+      "Charge (Kshs)": "Agency Tariff applies"
+    }
+  ]

data/equity_agent_transaction_tariffs.json

@@ -0,0 +1,37 @@
+[
+    {
+      "Transaction Amount": "2,500 and Below",
+      "Cash Withdrawal (incl. of 20% excise duty)": "30",
+      "Cash Deposit": "0"
+    },
+    {
+      "Transaction Amount": "2,501 - 5,000",
+      "Cash Withdrawal (incl. of 20% excise duty)": "54",
+      "Cash Deposit": "0"
+    },
+    {
+      "Transaction Amount": "5,001 - 10,000",
+      "Cash Withdrawal (incl. of 20% excise duty)": "90",
+      "Cash Deposit": "0"
+    },
+    {
+      "Transaction Amount": "10,001 - 20,000",
+      "Cash Withdrawal (incl. of 20% excise duty)": "174",
+      "Cash Deposit": "0"
+    },
+    {
+      "Transaction Amount": "20,001 - 35,000",
+      "Cash Withdrawal (incl. of 20% excise duty)": "204",
+      "Cash Deposit": "0"
+    },
+    {
+      "Transaction Amount": "35,001 - 50,000",
+      "Cash Withdrawal (incl. of 20% excise duty)": "234",
+      "Cash Deposit": "0"
+    },
+    {
+      "Transaction Amount": "50,001 - 100,000",
+      "Cash Withdrawal (incl. of 20% excise duty)": "270",
+      "Cash Deposit": "0"
+    }
+  ]

data/equity_borrow_advance.txt

@@ -0,0 +1,69 @@
+Title: Salary Advance
+
+URL Source: https://equitygroupholdings.com/ke/borrow/salary-advance
+
+Markdown Content:
+[![Image 1: Equity Bank Logo](https://equitygroupholdings.com/ke//templates/equity/assets/img/equity-bank-logo.png)](https://equitygroupholdings.com/ke/)
+
+### Great features
+
+1.  A loan of up to KSh300,000 is advanced, subject to the bank’s profile of the customer/account holder.
+    
+
+### What you require to sign up
+
+1.  You should be an active holder by remitting at least three months’ salary into your Equity account
+2.  You need to present a Confirmation Letter or Introduction Letter from your employer.
+
+  
+
+### How to apply for Salary Advance
+
+*   Visit your nearest Equity Bank branch
+*   Fill in and submit the loan application form to the bank
+*   The loan application is appraised.
+*   Upon approval an offer letter will be issued.
+*   Accepts the loan and returns offer letter and meet sanction conditions.
+*   The loan is disbursed.
+
+For charges applicable to this product/service, refer to the [tariff guide](https://equitygroupholdings.com/ke/images/docs/tariff-guide.pdf "Tariff Guide") available on this [link.](https://equitygroupholdings.com/ke/images/docs/tariff-guide.pdf "Tariff Guide")
+
+### What you require to sign up
+
+*   Pay slip
+*   Identification documents
+*   Employment letter for check off loans and Salary advance
+
+### Security
+
+*   Customer pre-qualified
+
+### Why you should sign up for this product
+
+1.  Preferential terms are offered
+2.  It’s a long-term facility, enabling the clients to spread repayments.
+3.  Payment is deducted from source on check off for ease of repayment or deducted from the customers’ accounts upon receipt of Salary.
+
+### Complaints Handling Process
+
+*   Lodge complaint at any of our branches, via call center, [info@equitybank.co.ke](mailto:info@equitybank.co.ke) or website: [https://equitygroupholdings.com/ke/](https://equitygroupholdings.com/ke/) We will record your feedback and issue you with a reference number.
+*   We will acknowledge you feedback within 48hours.
+*   If we cannot resolve the complaint immediately, we will advise on the next cause of action and when to expect feedback from us.
+*   We will endeavor to resolve the complaint within 7 working days. However, should we require more time to it, we will keep you updated with progress every 7 days until the complaint is resolved.
+*   Should the resolution not meet your satisfaction, feel free to get back to us with your concerns and we will review the issue and resolution and revert back to you.
+
+### Rights and Obligations
+
+*   T & Cs of loan facility are detailed on the offer letter.
+*   Customer data privacy policy is included in the offer letter.
+*   The rights and obligations of the borrower are detailed in the offer letter.
+
+### Loan Calculator
+
+_**Disclaimer:** The calculator provides an estimate of monthly repayments and the total amount repayable based on the loan amount and term you select. Actual figures may vary._
+
+Please enter a loan amount Loan amount
+
+Please specify loan duration in months Loan duration in months
+
+Please specify the interest rate p/a Interest Rate (% P.A)

data/equity_borrow_boostika.txt

@@ -0,0 +1,127 @@
+Title: Boostika na Equity
+
+URL Source: https://equitygroupholdings.com/ke/borrow/boostika
+
+Markdown Content:
+### Great features
+
+Frequently Asked Questions
+
+#### 1\. What does this solution entail?
+
+This is a loan solution that allows Equity customers to complete a transaction even when running low on cash when using \*247#, Equitel or Equity Mobile App. The Boostika amount is from Kshs. 100 - Kshs 100,000 based on your loan limit.
+
+#### 2\. What transactions should I be doing to qualify for this solution?
+
+Any Equity customer sending money to mobile wallets or a Bank account, paying for goods and services through the One Equity Till number or buying airtime and runs low on funds gets a Boostika prompt with their limit to complete a transaction.
+
+#### 3\. How does it work?
+
+It's simple and convenient. When you run low on funds when making a payment, sending money or buying airtime using \*247#, Equitel or Equity Mobile App:
+
+*   You will receive a Boostika prompt displaying your loan limit, and the deficit required to complete the transaction
+*   You will be required to accept the Boostika to proceed as well as and the terms and conditions.
+*   An SMS notification will then be sent to you to confirm and complete the transaction.
+
+#### 4\. What channels is the Boostika solution available on?
+
+One can access the Boostika option when sending money or making a payment using \*247#, Equitel or Equity Mobile App
+
+#### 5\. What is the minimum and maximum Boostika limit?
+
+The minimum amount you can borrow is Ksh 100 and the maximum amount is Ksh 100,000, However, a customer can only borrow an amount within his/her loan limit.
+
+#### 6\. Who qualifies for this solution?
+
+*   One must be an Equity Bank customer
+*   You must be sending money or making a payment using \*247#, Equitel or Equity Mobile App
+*   You must have a loan limit to qualify for the Boostika option
+*   You must have an active account for a period of 6 months and above
+*   You should have a good repayment history
+
+#### 7\. What are the repayment terms for Boostika?
+
+The Boostika facility is repayable within 30 days.
+
+#### 8\. How can I check my loan limit?
+
+*   Dial \*247# > Borrow > Check Loan Limit > Eazzy Loan
+*   Equity Mobile App > Go to Borrow > Get Loan > Apply Now > Check Loan Limit
+*   Equitel > My Money > Eazzy Loan > Loan Limit
+
+#### 9\. How can I repay the Boostika?
+
+Amount due for Boostika will be repaid through an Auto Sweep from borrower's operative account or a customer can decide to prepay or clear in full using the channels listed above by selecting: Partial Payment - to partially pay Full Payment - to clear the loan
+
+#### 10\. How do I know my outstanding balance?
+
+*   Dial \*247# > Borrow > View Loan balances
+*   Equity Mobile App > Go to Borrow > Get Loan > Eazzy loan> Loan Balance
+*   Equitel > My Money > Eazzy Loan > Loan Balance
+
+#### 11\. How many times can I apply for Boostika Solution?
+
+You can apply as many times as possible, as long as you have a loan limit.
+
+#### 12\. Can I withdraw the Boostika received?
+
+No, the amount is only for completing the transaction when you ran low on funds when making a payment, sending money or buying airtime.
+
+#### 13\. Will I get money reversed if I send/pay to a wrong number/till and had used Boostika?
+
+Yes, an individual can place a reversal request through our customer care contact channels
+
+*   Call 0763 000 000
+*   Email [info@equitybank.co.ke](mailto:info@equitybank.co.ke)
+
+#### 14\. Will my limit ever increase or decrease?
+
+Yes, an individual’ s limit is reviewed monthly to determine whether it should be increased or decreased based on the account behavior, account transactions as well as the loan repayment history.
+
+#### 15\. What are the charges for Boostika?
+
+The charges are:
+
+*   Processing Fee (LACE) 5%
+*   Insurance 1%
+*   Excise duty 20% of LACE
+*   Interest of 18 %pa
+
+#### 15\. What are the key benefits of Boostika?
+
+*   **Instant & convenient**: The Boostika option is embedded on the transaction journey when one runs low on funds when making a payment, sending money or buying airtime, therefore offering one the convenience of completing a transaction seamlessly without exiting the payment journey
+*   **Ease of access:** You will simply receive a Boostika prompt displaying your loan limit, and the deficit required to complete the transaction
+*   **Accessibility through multiple channels:** The Boostika option is available for payments made through multiple channels i.e. 247#, Equitel or Equity Mobile App
+*   One can Boostika **as many times as possible**, all you need is to have a loan limit to complete the transaction
+*   You only Boostika what you require at that particular time, making it easy for you to manage your finances
+*   The Boostika of Kshs. 100 - Kshs. 100,000 (based on your limit) is **unsecured**, with a re-payment period of up to 30 days
+
+#### 16\. What happens when my account is dormant?
+
+Visit the branch and activate the account at the account opening desk.
+
+#### 17\. What happens if the customer has never been onboarded on any channel?
+
+*   For USSD channel (\*247#) and phone number has changed, fill in the change of static data form and have the number updated at the accounts opening desk.
+*   For STK (Equitel line) visit the Equity mobile and have the number onboarded. If phone number has changed, advice the customer to fill in the change of static data form and have the number updated at the accounts opening desk.
+*   For Equity Mobile App, download App from play store/App store and self-onboard. If the number the customer is using is not in Finacle, advice the customer to fill in the change of static data form and have the number updated at the accounts opening desk.
+
+### Why you should sign up for this product
+
+Transacting on Boostika is easy. Simply follow these guides on how to complete your transaction.
+
+#### How to Transact using Equity Mobile App
+
+[![Image 1: Boostika na Equity Mobile](https://equitygroupholdings.com/ke/images/docs/boostikanaequitymobile.png)](https://www.youtube.com/watch?v=m0IJgouPVJQ)
+
+  
+
+#### How to Transact using USSD \*247#
+
+[![Image 2: Boostika na Equity using USSD](https://equitygroupholdings.com/ke/images/docs/boostikana247.png)](https://www.youtube.com/watch?v=thFLGTJ-lyA)
+
+  
+
+#### How to Transact using Equitel STK
+
+[![Image 3: Boostika na Equity using Equitel](https://equitygroupholdings.com/ke/images/docs/boostikanaequitel.png)](https://www.youtube.com/watch?v=X1miEBG_kdk)

data/equity_borrow_eazzyloan.txt

@@ -0,0 +1,70 @@
+Title: Eazzy Loan
+
+URL Source: https://equitygroupholdings.com/ke/borrow/eazzy-loan
+
+Markdown Content:
+[![Image 1: Equity Bank Logo](https://equitygroupholdings.com/ke//templates/equity/assets/img/equity-bank-logo.png)](https://equitygroupholdings.com/ke/)
+
+### Great features
+
+Ideal for individuals with an income:
+
+1.  Loan amounts range between KSh 1,000 and KSh 3,000,000
+2.  Loans are available for both one month and multiple monthly Instalments
+3.  Funds from the facility are instantly available into your account
+4.  Customer is pre-scored and given a loan limit based on ability to repay.
+
+For charges applicable to this product/service, refer to the [tariff guide](https://equitygroupholdings.com/ke/images/docs/tariff-guide.pdf "Tariff Guide") available on this [link.](https://equitygroupholdings.com/ke/images/docs/tariff-guide.pdf "Tariff Guide")
+
+### What you require to sign up
+
+1.  To qualify for this loan you must have an active Equity bank account for the previous 6 months.
+2.  An active Equitel Line or EazzyApp.
+3.  Channel your income through the account e.g. salary, farm proceeds, business income etc. so as to establish a good credit limit
+
+**[Eazzy Loan Terms and Conditions](https://equitygroupholdings.com/ke/images/downloads/eazzyloantncs.pdf)****[](https://equitygroupholdings.com/ke/images/downloads/eazzyplusloantncs.pdf)**
+
+### Simple steps on How to get Eazzy Loan
+
+To access EazzyLoan from your Equitel line:
+
+*   Go to Equitel menu
+*   Select My Money
+*   Select Loans
+*   Select Get Loan
+*   Select Loan Type
+*   Select Account
+*   Enter Amount
+*   Confirm Details
+*   Enter PIN
+
+To access EazzyLoan from Equity Mobile App;
+
+*   Link your Equity account (if not yet registered)
+*   Select "Borrow"
+*   Select "Get a loan"
+*   Select loan type
+*   Enter amount
+
+### Why you should sign up for this product
+
+1.  Eazzy Loan is an easy loan to get, No guarantors, No forms, no branch visits.
+2.  Get up to KSh 3 million instantly
+3.  You receive the loan instantly on your phone, saving you valuable time.
+4.  It offers a flexible repayment period of up to 24 months.
+5.  This loan facility is safe and secure.
+6.  Instant loan disbursement
+
+### Complaints Handling Process
+
+*   Lodge complaint at any of our branches, via call center, [info@equitybank.co.ke](mailto:info@equitybank.co.ke) or website: [https://equitygroupholdings.com/ke/](https://equitygroupholdings.com/ke/) We will record your feedback and issue you with a reference number.
+*   We will acknowledge you feedback within 48hours.
+*   If we cannot resolve the complaint immediately, we will advise on the next cause of action and when to expect feedback from us.
+*   We will endeavor to resolve the complaint within 7 working days. However, should we require more time to it, we will keep you updated with progress every 7 days until the complaint is resolved.
+*   Should the resolution not meet your satisfaction, feel free to get back to us with your concerns and we will review the issue and resolution and revert back to you.
+
+### Rights and Obligations
+
+*   T & Cs of loan facility are detailed on the offer letter.
+*   Customer data privacy policy is included in the offer letter.
+*   The rights and obligations of the borrower are detailed in the offer letter.

data/equity_borrow_equiloan.txt

@@ -0,0 +1,68 @@
+Title: Equiloan
+
+URL Source: https://equitygroupholdings.com/ke/borrow/equiloan
+
+Markdown Content:
+[![Image 1: Equity Bank Logo](https://equitygroupholdings.com/ke//templates/equity/assets/img/equity-bank-logo.png)](https://equitygroupholdings.com/ke/)
+
+### Great features
+
+1.  This is a product meant to meet developmental needs and is accessible within 48 hours.
+2.  Granted to customers whose employers have an Mou with the bank
+3.  It is a check-off arrangement effected on the staff pay slip
+4.  Maximum unsecured amount of up to Kshs.8.5 million
+5.  Maximum repayment period of up to 120 months
+6.  Insurance Refund applicable incase of a top up
+7.  Salary remittance not a requirement for some employers – Government employees
+
+For charges applicable to this product/service, refer to the [tariff guide](https://equitygroupholdings.com/ke/images/docs/tariff-guide.pdf "Tariff Guide") available on this [link.](https://equitygroupholdings.com/ke/images/docs/tariff-guide.pdf "Tariff Guide")
+
+### How to apply for Equiloan
+
+*   Visit your nearest Equity Bank branch
+*   Fill in and submit the loan application form to the bank
+*   The loan application is appraised.
+*   Upon approval an offer letter will be issued.
+*   Accepts the loan and returns offer letter and meet sanction conditions.
+*   The loan is disbursed.
+
+### What you require to sign up
+
+*   Pay slip
+*   Identification documents
+*   Employment letter for check off loans and Salary advance
+
+### Security
+
+*   MOU with employer
+*   Check-off repayment
+
+### Why you should sign up for this product
+
+1.  Preferential terms are offered, pegged on the employer having an MOU with Equity Bank Limited.
+2.  It’s a long-term facility, enabling the clients to spread repayments.
+3.  Payment is deducted from source on check off for ease of repayment or deducted from the customers’ accounts upon receipt of Salary.
+
+### Complaints Handling Process
+
+*   Lodge complaint at any of our branches, via call center, [info@equitybank.co.ke](mailto:info@equitybank.co.ke) or website: [https://equitygroupholdings.com/ke/](https://equitygroupholdings.com/ke/) We will record your feedback and issue you with a reference number.
+*   We will acknowledge you feedback within 48hours.
+*   If we cannot resolve the complaint immediately, we will advise on the next cause of action and when to expect feedback from us.
+*   We will endeavor to resolve the complaint within 7 working days. However, should we require more time to it, we will keep you updated with progress every 7 days until the complaint is resolved.
+*   Should the resolution not meet your satisfaction, feel free to get back to us with your concerns and we will review the issue and resolution and revert back to you.
+
+### Rights and Obligations
+
+*   T & Cs of loan facility are detailed on the offer letter.
+*   Customer data privacy policy is included in the offer letter.
+*   The rights and obligations of the borrower are detailed in the offer letter.
+
+### Loan Calculator
+
+_**Disclaimer:** The calculator provides an estimate of monthly repayments and the total amount repayable based on the loan amount and term you select. Actual figures may vary._
+
+Please enter a loan amount Loan amount
+
+Please specify loan duration in months Loan duration in months
+
+Please specify the interest rate p/a Interest Rate (% P.A)

data/equity_borrow_home.txt

@@ -0,0 +1,45 @@
+Title: Home/House Loans
+
+URL Source: https://equitygroupholdings.com/ke/borrow/home-loans
+
+Markdown Content:
+[![Image 1: Equity Bank Logo](https://equitygroupholdings.com/ke//templates/equity/assets/img/equity-bank-logo.png)](https://equitygroupholdings.com/ke/)
+
+### Great features
+
+1.  The loan amount is based on the customer’s ability to pay.
+2.  The loan period is up to 180 months (15 years).
+3.  Financing Margin – up to 100% financing.
+
+For charges applicable to this product/service, refer to the [tariff guide](https://equitygroupholdings.com/ke/images/docs/tariff-guide.pdf "Tariff Guide") available on this [link.](https://equitygroupholdings.com/ke/images/docs/tariff-guide.pdf "Tariff Guide")
+
+### What you require to sign up
+
+1.  Three original latest pay slips
+2.  2 Copies of the ID & Pin certificate.
+3.  An introduction/Appointment/Confirmation letter from the employer.
+4.  Duly signed authorization forms.
+5.  Dully completed loan application and appraisal form
+6.  Valuation report
+7.  Title deed
+
+### Why you should sign up for this product
+
+1.  Must have an existing MOU with the customer’s employer.
+2.  Salary is not a prerequisite for some employers.
+3.  Must have the ability to pay.
+4.  Ability to effect loan deductions on check-off is required.
+
+### Complaints Handling Process
+
+*   Lodge complaint at any of our branches, via call center, [info@equitybank.co.ke](mailto:info@equitybank.co.ke) or website: [https://equitygroupholdings.com/ke/](https://equitygroupholdings.com/ke/) We will record your feedback and issue you with a reference number.
+*   We will acknowledge you feedback within 48hours.
+*   If we cannot resolve the complaint immediately, we will advise on the next cause of action and when to expect feedback from us.
+*   We will endeavor to resolve the complaint within 7 working days. However, should we require more time to it, we will keep you updated with progress every 7 days until the complaint is resolved.
+*   Should the resolution not meet your satisfaction, feel free to get back to us with your concerns and we will review the issue and resolution and revert back to you.
+
+### Rights and Obligations
+
+*   T & Cs of loan facility are detailed on the offer letter.
+*   Customer data privacy policy is included in the offer letter.
+*   The rights and obligations of the borrower are detailed in the offer letter.

data/equity_borrow_maji.txt

@@ -0,0 +1,69 @@
+Title: Maji Loan
+
+URL Source: https://equitygroupholdings.com/ke/borrow/maji-loan
+
+Markdown Content:
+[![Image 1: Equity Bank Logo](https://equitygroupholdings.com/ke//templates/equity/assets/img/equity-bank-logo.png)](https://equitygroupholdings.com/ke/)
+
+### Great features
+
+*   Get your loan through your mobile device
+*   Loans are available for 12 easy monthly Instalments
+*   The loans are only available for pre-approved products and paid directly to select Equity merchants/agents with Pay with Equity Tills.
+*   You can check your loan limit straight on your mobile phone
+
+For charges applicable to this product/service, refer to the [tariff guide](https://equitygroupholdings.com/ke/images/docs/tariff-guide.pdf "Tariff Guide") available on this [link.](https://equitygroupholdings.com/ke/images/docs/tariff-guide.pdf "Tariff Guide")
+
+### What you require to sign up
+
+*   To qualify for this loan you must have an active Equity bank account.
+*   An active Equitel Line or Equity Mobile If you do not have an account, open one up instantly by simply dialing \*247# using your current number, then collect your Equitel line/sign up for equity mobile app from your nearest Equity branch.
+
+### Getting Started with Maji Loan
+
+To access Maji Loan from your Equitel line:
+
+*   Select Equitel STK menu
+*   Select My money
+*   Select Eazzy loan
+*   Select Get Loan
+*   Choose Account
+*   Select other Loans
+*   Enter PIN
+*   Select Eazzy Maji
+*   Enter Merchant Code 
+*   Enter Amount to apply
+*   Enter repayment period
+*   Get confirmation message
+*   Merchant calls to schedule Tank delivery to home
+
+To access Maji Loan from Equity Mobile/Eazzy banking App;
+
+*   Login to Eazzy Banking App
+*   Select request loan
+*   Choose account   
+*   Select Water tanks
+*   Enter Loan amount and period      
+*   Enter Merchant till number
+*   Confirm loan details & Accept T & Cs                   
+*   You will receive an SMS confirmation
+
+### Why you should sign up for this product
+
+*   You receive the loan instantly, saving you valuable time.
+*   It offers a flexible repayment period of up to 12 months.
+*   This loan facility is safe and secure.
+
+### Complaints Handling Process
+
+*   Lodge complaint at any of our branches, via call center, [info@equitybank.co.ke](mailto:info@equitybank.co.ke) or website: [https://equitygroupholdings.com/ke/](https://equitygroupholdings.com/ke/) We will record your feedback and issue you with a reference number.
+*   We will acknowledge you feedback within 48hours.
+*   If we cannot resolve the complaint immediately, we will advise on the next cause of action and when to expect feedback from us.
+*   We will endeavor to resolve the complaint within 7 working days. However, should we require more time to it, we will keep you updated with progress every 7 days until the complaint is resolved.
+*   Should the resolution not meet your satisfaction, feel free to get back to us with your concerns and we will review the issue and resolution and revert back to you.
+
+### Rights and Obligations
+
+*   T & Cs of loan facility are detailed on the offer letter.
+*   Customer data privacy policy is included in the offer letter.
+*   The rights and obligations of the borrower are detailed in the offer letter.

data/equity_borrow_plot.txt

@@ -0,0 +1,46 @@
+Title: Plot Loans
+
+URL Source: https://equitygroupholdings.com/ke/borrow/plot-loans
+
+Markdown Content:
+[![Image 1: Equity Bank Logo](https://equitygroupholdings.com/ke//templates/equity/assets/img/equity-bank-logo.png)](https://equitygroupholdings.com/ke/)
+
+### Great features
+
+1.  The loan amount is based on the customer’s ability to pay.
+2.  The loan period is up to 120 months (10 years).
+3.  Financing Margin – up to 100% financing.
+
+For charges applicable to this product/service, refer to the [tariff guide](https://equitygroupholdings.com/ke/images/docs/tariff-guide.pdf "Tariff Guide") available on this [link.](https://equitygroupholdings.com/ke/images/docs/tariff-guide.pdf "Tariff Guide")
+
+### What you require to sign up
+
+1.  Three original latest pay slips
+2.  2 Copies of the ID & Pin certificate.
+3.  An introduction/Appointment/Confirmation letter from the employer.
+4.  Duly signed authorization forms.
+5.  Dully completed loan application and appraisal form
+6.  Sale agreement
+7.  Valuation report
+8.  Title deed
+
+### Why you should sign up for this product
+
+1.  Equity must have an existing MOU with the customer’s employer.
+2.  Salary is not a prerequisite for some employers.
+3.  Must have the ability to pay.
+4.  Ability to effect loan deductions on check-off.
+
+### Complaints Handling Process
+
+*   Lodge complaint at any of our branches, via call center, [info@equitybank.co.ke](mailto:info@equitybank.co.ke) or website: [https://equitygroupholdings.com/ke/](https://equitygroupholdings.com/ke/) We will record your feedback and issue you with a reference number.
+*   We will acknowledge you feedback within 48hours.
+*   If we cannot resolve the complaint immediately, we will advise on the next cause of action and when to expect feedback from us.
+*   We will endeavor to resolve the complaint within 7 working days. However, should we require more time to it, we will keep you updated with progress every 7 days until the complaint is resolved.
+*   Should the resolution not meet your satisfaction, feel free to get back to us with your concerns and we will review the issue and resolution and revert back to you.
+
+### Rights and Obligations
+
+*   T & Cs of loan facility are detailed on the offer letter.
+*   Customer data privacy policy is included in the offer letter.
+*   The rights and obligations of the borrower are detailed in the offer letter.

data/equity_business_account_tariffs.json

@@ -0,0 +1,79 @@
+[
+    {
+      "Account Type": "Retail",
+      "Business Account (KSHS)": "1,000",
+      "Business Current Account (KSHS)": "10,000",
+      "Institution Account (KSHS)": "Nil",
+      "Collection Account (KSHS)": "10,000"
+    },
+    {
+      "Account Type": "Account opening balance",
+      "Business Account (KSHS)": "Nil",
+      "Business Current Account (KSHS)": "N/A",
+      "Institution Account (KSHS)": "Nil",
+      "Collection Account (KSHS)": "Nil"
+    },
+    {
+      "Account Type": "Minimum operating balance",
+      "Business Account (KSHS)": "150",
+      "Business Current Account (KSHS)": "150",
+      "Institution Account (KSHS)": "Free",
+      "Collection Account (KSHS)": "150"
+    },
+    {
+      "Account Type": "Inter-branch cash withdrawal",
+      "Business Account (KSHS)": "500",
+      "Business Current Account (KSHS)": "1000",
+      "Institution Account (KSHS)": "300",
+      "Collection Account (KSHS)": "1000"
+    },
+    {
+      "Account Type": "Account closing fees",
+      "Business Account (KSHS)": "100",
+      "Business Current Account (KSHS)": "100",
+      "Institution Account (KSHS)": "Nil",
+      "Collection Account (KSHS)": "100"
+    },
+    {
+      "Account Type": "Counter cash withdrawal",
+      "Business Account (KSHS)": "5,000",
+      "Business Current Account (KSHS)": "10,000",
+      "Institution Account (KSHS)": "Nil",
+      "Collection Account (KSHS)": "10,000"
+    },
+    {
+      "Account Type": "Corporate",
+      "Business Account (KSHS)": "Nil",
+      "Business Current Account (KSHS)": "Nil",
+      "Institution Account (KSHS)": "Nil",
+      "Collection Account (KSHS)": "Nil"
+    },
+    {
+      "Account Type": "Account opening balance",
+      "Business Account (KSHS)": "150",
+      "Business Current Account (KSHS)": "150",
+      "Institution Account (KSHS)": "Nil",
+      "Collection Account (KSHS)": "150"
+    },
+    {
+      "Account Type": "Minimum operating balance",
+      "Business Account (KSHS)": "500",
+      "Business Current Account (KSHS)": "1,000",
+      "Institution Account (KSHS)": "300",
+      "Collection Account (KSHS)": "1,000"
+    },
+    {
+      "Account Type": "Inter-branch cash withdrawal",
+      "Business Account (KSHS)": "100",
+      "Business Current Account (KSHS)": "100",
+      "Institution Account (KSHS)": "Nil",
+      "Collection Account (KSHS)": "100"
+    },
+    {
+      "Account Type": "Account closing fees",
+      "Business Account (KSHS)": "300",
+      "Business Current Account (KSHS)": "300",
+      "Institution Account (KSHS)": "Nil",
+      "Collection Account (KSHS)": "300"
+    }
+  ]

data/equity_cardcredit_amex.txt

@@ -0,0 +1,63 @@
+American Express (Amex) Credit Cards
+====================================
+
+Equity Bank and American Express have partnered to give you the Equity Bank American Express® Green Card and the Equity Bank American Express® Gold card.
+
+### Great features
+
+#### **The Equity Bank American Express® Green Card**
+
+*   Earn Membership Rewards® points when you spend online, at merchant locations and when you withdraw cash from ATMs. Redeem your points for travel offers, retail items, electronics, gift vouchers and more
+*   Accepted in Kenya and worldwide
+*   Easily track and manage your spend and payments with an online Card Account
+*   Travel insurance and purchase protection
+*   Cover against personal belongings theft
+*   Pay your balance off over time by choosing how much to pay each month (20%, 50% or 100%)
+*   50 days interest-free credit
+*   Your first supplementary Card is free
+
+**The Equity Bank American Express® Gold Card**
+
+*   Equity Bank American Express® Green Card benefits
+*   Enhanced travel insurance and purchase protection
+*   Your first two supplementary Cards are free
+*   Priority Pass membership, with two complimentary visits to airport lounges per year
+
+### What you require to sign up
+
+*   Existing credit limit assigned or cash cover.
+*   KRA PIN
+*   Original and copy of national ID /passport.
+
+For charges applicable to this product/service,refer to the [tariff guide](https://equitygroupholdings.com/ke/images/docs/tariff-guide.pdf "Tariff Guide") available on this [link.](https://equitygroupholdings.com/ke/images/docs/tariff-guide.pdf "Tariff Guide") 
+
+[Tariff Guide](https://equitygroupholdings.com/ke/images/docs/tariff-guide.pdf)
+
+### Why you should sign up for this product
+
+With American Express Cards, you earn Membership Rewards points when you spend online, at merchant locations and when you withdraw cash from ATMs. These points can be used to redeem a range of travel and retail rewards. The Card also includes additional insurances and travel benefits.  
+  
+**Potential Risks**:  
+
+*   Do not share PIN with anyone.
+*   If the card is suspected to be compromised, change the PIN at an ATM location.
+*   Avoid sharing your full card number, expiry date and card verification value with anyone
+*   Always keep your cards safe. In case the card is misplaced/lost, this should communicate to the bank to block the card immediately .The cardholder can also self-block the card through the Equity APP.
+
+**Transaction Process**:  
+
+*   Real time Credit cards transactions for approved transactions. Billed later on the credit card statement.
+
+  
+**Complaints Handling Process**:  
+
+*   Lodge complaint at any of our branches, via call center, [info@equitybank.co.ke](mailto:info@equitybank.co.ke) or website: [https://equitygroupholdings.com/ke/](https://equitygroupholdings.com/ke/) We will record your feedback and issue you with a reference number.
+*   We will acknowledge you feedback within 48hours.
+*   If we cannot resolve the complaint immediately, we will advise on the next cause of action and when to expect feedback from us.
+*   We will endeavor to resolve the complaint within 7 working days. However, should we require more time to it, we will keep you updated with progress every 7 days until the complaint is resolved.
+*   Should the resolution not meet your satisfaction, feel free to get back to us with your concerns and we will review the issue and resolution and revert to you.
+
+**Rights and Obligations:**  
+
+*   T & Cs of products are available on website and as part of account opening form.
+*   Data privacy policy included in customer onboarding and account opening forms

data/equity_cardcredit_classic.txt

@@ -0,0 +1,66 @@
+Equity Classic Credit Card
+==========================
+
+The Classic Card is designed for the middle-income earner, so that he can access credit when he needs it.
+
+### Great features
+
+1.  Instead of having to sign a sales slip, your PIN verifies your transaction.
+2.  There’s worldwide acceptability of Visa Brand, meaning you can access your funds at all VISA branded outlets.
+3.  You can pay for goods and services at supermarkets, hotels, hospitals, fuel stations and other retail outlets at no charge.
+4.  Your card allows you to withdraw cash from the ATMs.
+5.  Every time you transact you will receive an SMS alert with details of the transaction as they happen.
+6.  Enjoy revolving credit with a 45-day interest free period. You may pay as little as 20% of your outstanding balance every month or you may pay more.
+7.  Enjoy convenient record keeping through itemized monthly statements which show your transaction details.
+8.  With the Classic Card you get access to affordable life insurance for you and your family.
+
+### What you require to sign up
+
+*   Existing approved credit limit or cash cover.
+*   KRA PIN
+*   Original and copy of national ID /passport.
+
+For charges applicable to this product/service, refer to the [tariff guide](https://equitygroupholdings.com/ke/images/docs/tariff-guide.pdf "Tariff Guide") available on this [link.](https://equitygroupholdings.com/ke/images/docs/tariff-guide.pdf "Tariff Guide") 
+
+[Tariff Guide](https://equitygroupholdings.com/ke/images/docs/tariff-guide.pdf)**Ideal for:  
+**
+
+*   Equity bank holders with existing credit limits or who are willing to offer cash cover as security.
+*   Customers who need credit cards for business or leisure/personal use.
+
+**Rights and Obligations:**
+
+*   T & Cs of products are available on website and as part of account opening form.
+*   Data privacy policy included in customer onboarding and account opening forms.
+
+### Why you should sign up for this product
+
+1.  The Classic Card is useful during emergencies.
+2.  The card is useful for purchasing big ticket items.
+3.  The card is suitable for corporate spend.
+4.  It gives you the freedom to travel without physical cash.
+5.  It provides security while making big purchases, because you don’t have to have the money on you physically.
+6.  The revolving credit feature puts a cap on the amount of credit you can use for that month.
+7.  Your available credit is reduced by the amount you spend.
+8.  You may choose to pay off the total amount spent at the end of each month or spread the cost over time.
+9.  You can keep a record of your spending through statements.
+10.  You will get to enjoy periodic discounts from selected shops.
+
+**Potential Risks**:  
+
+*   Do not share PIN with anyone.
+*   If the card is suspected to be compromised, change the PIN at an ATM location.
+*   Avoid sharing your full card number, expiry date and card verification value with anyone
+*   Always keep your cards safe. In case the card is misplaced/lost, this should communicate to the bank to block the card immediately .The cardholder can also self-block the card through the Equity APP.
+
+**Transaction Process**:  
+
+*   Real time Credit cards transactions for approved transactions. Billed later on the credit card statement.
+
+**Complaints Handling Process**:  
+
+*   Lodge complaint at any of our branches, via call center, [info@equitybank.co.ke](mailto:info@equitybank.co.ke) or website: [https://equitygroupholdings.com/ke/](https://equitygroupholdings.com/ke/) We will record your feedback and issue you with a reference number.
+*   We will acknowledge you feedback within 48hours.
+*   If we cannot resolve the complaint immediately, we will advise on the next cause of action and when to expect feedback from us.
+*   We will endeavor to resolve the complaint within 7 working days. However, should we require more time to it, we will keep you updated with progress every 7 days until the complaint is resolved.
+*   Should the resolution not meet your satisfaction, feel free to get back to us with your concerns and we will review the issue and resolution and revert to you.

data/equity_cardcredit_gold.txt

@@ -0,0 +1,66 @@
+Equity Gold Credit Card
+=======================
+
+The Equity Gold Credit Card gives high income earners the freedom to enjoy higher spending limits and exclusive packages.
+
+### Great features
+
+1.  The card’s chip and PIN feature means increased security while transacting. Your information will be stored in the chip while your PIN verifies your transaction.
+2.  The card is acceptable worldwide at all Visa branded outlets.
+3.  You will incur no transaction charges while paying for goods or services at merchant outlets.
+4.  The Gold Card allows you to withdraw money from an ATM.
+5.  Each time a transaction takes place, you will receive an SMS notification giving details of the transaction.
+6.  The card operates on revolving credit with a 45-day interest free period, and an allowance to pay back each month 20% of the outstanding balance and above.
+7.  We conveniently keep itemized monthly statements, giving you a breakdown of the transactions made and their corresponding times.
+8.  The Gold Card gives you access to affordable life insurance for you and your family.
+
+### What you require to sign up
+
+*   Existing approved credit limit or cash cover.
+*   KRA PIN
+*   Original and copy of national ID /passport.
+
+For charges applicable to this product/service, refer to the [tariff guide](https://equitygroupholdings.com/ke/images/docs/tariff-guide.pdf "Tariff Guide") available on this [link.](https://equitygroupholdings.com/ke/images/docs/tariff-guide.pdf "Tariff Guide") 
+
+[Tariff Guide](https://equitygroupholdings.com/ke/images/docs/tariff-guide.pdf)**Ideal for:  
+**
+
+*   Equity bank holders with existing credit limits or who are willing to offer cash cover as security.
+*   Customers who need credit cards for business or leisure/personal use.
+
+**Rights and Obligations:**
+
+*   T & Cs of products are available on website and as part of account opening form.
+*   Data privacy policy included in customer onboarding and account opening forms.
+
+### Why you should sign up for this product
+
+1.  It comes in handy during emergencies.
+2.  The card is useful for purchasing big ticket items.
+3.  It gives you the freedom to travel without physical cash.
+4.  The card is useful for corporate spend.
+5.  It provides security while making big purchases, because you don’t have to have the money on you physically.
+6.  The revolving credit feature puts a cap on the amount of credit you can use for that month.
+7.  You have the flexibility to pay off the total amount owed at once or spread it across a period of time.
+8.  As you continue spending, the amount of credit available is reduced.
+9.  Statements allow you to keep a record of your spending.
+10.  You will get to enjoy occasional discounts from select outlets.
+
+**Potential Risks**:  
+
+*   Do not share PIN with anyone.
+*   If the card is suspected to be compromised, change the PIN at an ATM location.
+*   Avoid sharing your full card number, expiry date and card verification value with anyone
+*   Always keep your cards safe. In case the card is misplaced/lost, this should communicate to the bank to block the card immediately .The cardholder can also self-block the card through the Equity APP.
+
+**Transaction Process**:  
+
+*   Real time Credit cards transactions for approved transactions. Billed later on the credit card statement.
+
+**Complaints Handling Process**:  
+
+*   Lodge complaint at any of our branches, via call center, [info@equitybank.co.ke](mailto:info@equitybank.co.ke) or website: [https://equitygroupholdings.com/ke/](https://equitygroupholdings.com/ke/) We will record your feedback and issue you with a reference number.
+*   We will acknowledge you feedback within 48hours.
+*   If we cannot resolve the complaint immediately, we will advise on the next cause of action and when to expect feedback from us.
+*   We will endeavor to resolve the complaint within 7 working days. However, should we require more time to it, we will keep you updated with progress every 7 days until the complaint is resolved.
+*   Should the resolution not meet your satisfaction, feel free to get back to us with your concerns and we will review the issue and resolution and revert to you.

data/equity_channels_online_banking_charges.json

@@ -0,0 +1,148 @@
+{
+    "EazzyBiz": [
+      {
+        "Service": "Annual Subscription Charges",
+        "Charge (Kshs)": "Free"
+      },
+      {
+        "Service": "View account balances",
+        "Charge (Kshs)": "Free"
+      },
+      {
+        "Service": "View transactions summary and download statements",
+        "Charge (Kshs)": "Free"
+      },
+      {
+        "Service": "Service request Charges e.g Cheque Book. Cost of requested item applies",
+        "Charge (Kshs)": "30"
+      },
+      {
+        "Service": "Report access & downloads",
+        "Charge (Kshs)": "Free"
+      },
+      {
+        "Service": "Host 2 Host Service Installation",
+        "Charge (Kshs)": "Free"
+      },
+      {
+        "Service": "Within Bank Transfers",
+        "Charge (Kshs)": "50"
+      },
+      {
+        "Service": "Salary Remittance",
+        "Charge (Kshs)": "100"
+      },
+      {
+        "Service": "EFT Outward",
+        "Charge (Kshs)": "200"
+      },
+      {
+        "Service": "Transfer to Other Banks (RTGS)",
+        "Charge (Kshs)": "500"
+      },
+      {
+        "Service": "International Transfers (SWIFT)",
+        "Charge (Kshs)": "1,500"
+      },
+      {
+        "Service": "Bill & Statutory Payments",
+        "Charge (Kshs)": "30"
+      },
+      {
+        "Service": "Token access",
+        "Charge (Kshs)": "First 2 tokens are Free"
+      },
+      {
+        "Service": "Additional token",
+        "Charge (Kshs)": "3,500"
+      },
+      {
+        "Service": "Payments to Equitel",
+        "Charge (Kshs)": "Free"
+      },
+      {
+        "Service": "Payments to Mobile wallets",
+        "Charge (Kshs)": "As Per Mobile Wallet Tariff"
+      }
+    ],
+    "Retail Web": [
+      {
+        "Service": "Airtime Purchase",
+        "Charge (Kshs)": "Free"
+      },
+      {
+        "Service": "Bill Payments",
+        "Charge (Kshs)": "30"
+      },
+      {
+        "Service": "Buy Goods\n(One Equity Till Number/ Pay with Equity)",
+        "Charge (Kshs)": "Free"
+      },
+      {
+        "Service": "Buy / Sell Stocks",
+        "Charge (Kshs)": "Free"
+      },
+      {
+        "Service": "EFT",
+        "Charge (Kshs)": "200"
+      },
+      {
+        "Service": "Send Money to Mobile wallet",
+        "Charge (Kshs)": "As Per Mobile Wallet Tariff"
+      },
+      {
+        "Service": "Send Money via (Pesalink)",
+        "Charge (Kshs)": "As per Pesalink Tariff"
+      },
+      {
+        "Service": "Send Money via (RTGS)",
+        "Charge (Kshs)": "500"
+      },
+      {
+        "Service": "Statement download",
+        "Charge (Kshs)": "Free"
+      },
+      {
+        "Service": "SWIFT",
+        "Charge (Kshs)": "1,500"
+      },
+      {
+        "Service": "Transfer within Equity",
+        "Charge (Kshs)": "50"
+      }
+    ],
+    "Mobile Banking": [
+      {
+        "Service": "Send Money within Equity",
+        "Charge (Kshs)": "0"
+      },
+      {
+        "Service": "Send Money via (RTGS)",
+        "Charge (Kshs)": "500"
+      },
+      {
+        "Service": "Send Money via (Pesalink)",
+        "Charge (Kshs)": "As per Pesalink Tariff"
+      },
+      {
+        "Service": "Send Money Cross Boarder (Swift)",
+        "Charge (Kshs)": "1,500"
+      },
+      {
+        "Service": "Send Money to Mobile wallet",
+        "Charge (Kshs)": "As Per Mobile Wallet Tariff"
+      },
+      {
+        "Service": "Bill Payments",
+        "Charge (Kshs)": "30"
+      },
+      {
+        "Service": "View Statement",
+        "Charge (Kshs)": "Free"
+      },
+      {
+        "Service": "Buy Airtime",
+        "Charge (Kshs)": "Free"
+      }
+    ]
+  }

data/equity_credit_card_charges.json

@@ -0,0 +1,79 @@
+{
+    "VISA Credit Card": [
+      {
+        "Card Type": "Classic (Main card)",
+        "Joining fee": "2,500",
+        "Annual subscription fee": "2,500",
+        "Annual subscription fee (Supplementary)": "1,500",
+        "Credit card replacement fee": "1,000",
+        "Insurance fee": "303"
+      },
+      {
+        "Card Type": "Gold (Main card)",
+        "Joining fee": "7,500",
+        "Annual subscription fee": "4,500",
+        "Annual subscription fee (Supplementary)": "3,500",
+        "Credit card replacement fee": "1,500",
+        "Insurance fee": "963"
+      }
+    ],
+    "AMEX Credit Cards": [
+      {
+        "Card Type": "Green & Gold",
+        "Joining Fee": "Free",
+        "Insurance fee": "0.2% of limit",
+        "Annual subscription fee (Main Card)": "3,500",
+        "Annual subscription fee (Supplementary)": "2,000",
+        "Credit Card Replacement fee": "500"
+      },
+      {
+        "Card Type": "Gold (Main Card)",
+        "Annual Subscription fee": "7,000",
+        "Annual subscription fee (Supplementary)": "4,000",
+        "Credit Card Replacement fee": "1,000"
+      }
+    ],
+    "Corporate Credit Cards": [
+      {
+        "Joining Fee": "5,000",
+        "Annual Subscription Fee - Per Card": "4,000",
+        "Credit Card Replacement Fee": "1,000"
+      }
+    ],
+    "All Credit Cards": [
+      {
+        "Charge": "Cash Advance Fee On Us",
+        "Rate": "6%"
+      },
+      {
+        "Charge": "Cash Advance Fee Not On Us",
+        "Rate": "10%"
+      },
+      {
+        "Charge": "Late Payment Fee (Except Corporate Cards)",
+        "Rate": "6%"
+      },
+      {
+        "Charge": "Interest Rate",
+        "Rate": "3.5%p.m."
+      },
+      {
+        "Charge": "Overlimit fee",
+        "Rate": "4%"
+      }
+    ],
+    "Virtual Prepaid Cards": [
+      {
+        "Charge": "Card Application Fee",
+        "Rate": "300"
+      },
+      {
+        "Charge": "Loading Fee",
+        "Rate": "2%"
+      },
+      {
+        "Charge": "E-Commerce Transactions",
+        "Rate": "Free"
+      }
+    ]
+  }

data/equity_credit_tariffs_other_charges.json

@@ -0,0 +1,111 @@
+{
+    "Credit Tariffs": [
+      {
+        "Sector": "Business Banking - SME",
+        "Service/Product": [
+          "SME Working Capital & Overdrafts",
+          "Project Financing",
+          "Mortgages (Commercial)",
+          "Mortgages (Residential)",
+          "Asset & Equipment Financing",
+          "Equity Release"
+        ],
+        "Applicable Interest": "17% - 19.5%"
+      },
+      {
+        "Sector": "Corporates & Large Enterprises",
+        "Service/Product": [
+          "Working Capital",
+          "Overdraft",
+          "CapEx Financing",
+          "Equity Release",
+          "Project Financing"
+        ],
+        "Applicable Interest": "15% - 17.5%"
+      },
+      {
+        "Sector": "Digital/Mobile Loans",
+        "Service/Product": [
+          "Eazzy Loans",
+          "Merchant Loans",
+          "Eazzy Stock Agent Loans"
+        ],
+        "Applicable Interest": "13% - 15%"
+      },
+      {
+        "Sector": "Food & Agriculture Loans",
+        "Service/Product": [
+          "Farm input",
+          "CapEx",
+          "Kilimo Working Capital Overdrafts",
+          "Commercial Agriculture Finance",
+          "Farm Asset & Equipment Financing"
+        ],
+        "Applicable Interest": "17% - 19%"
+      },
+      {
+        "Sector": "Retail Business Banking",
+        "Service/Product": [
+          "Biashara & Pamoja Banking",
+          "Micro Enterprises Working Capital",
+          "Micro Enterprises",
+          "CapEx",
+          "Group-Based Lending"
+        ],
+        "Applicable Interest": "18% - 20%"
+      },
+      {
+        "Sector": "Retail Personal Banking",
+        "Service/Product": [
+          "Salary Advance",
+          "Check offs Loans",
+          "Pensioner Loans",
+          "Secured Salary Loans"
+        ],
+        "Applicable Interest": "13% - 20.5%"
+      },
+      {
+        "Sector": "Public Sector",
+        "Service/Product": [
+          "Parastatal",
+          "Public Schools",
+          "Hospitals",
+          "SACCOS",
+          "Micro Finance Institutions",
+          "Secured Salary Loans"
+        ],
+        "Applicable Interest": "15% - 19.5%"
+      }
+    ],
+    "Other Charges": [
+      {
+        "Charge": "Temporary Overdraft Fee (TOD)",
+        "Details": "10% on the amount granted\n300/= or 3% whichever is higher"
+      },
+      {
+        "Charge": "Uncleared Effects",
+        "Details": "300/= or 3% whichever is higher" 
+      },
+      {
+        "Charge": "Group Member Passbook",
+        "Details": "Kshs. 100"
+      },
+      {
+        "Charge": "Group member registration fee (Annual)",
+        "Details": "Kshs. 500"
+      },
+      {
+        "Charge": "Loan Application & Credit Evaluation Fee (LACE) for Digital Loans and facilities with tenors below 12months",
+        "Details": "Upto 5%"
+      },
+      {
+        "Charge": "Loan Restructuring Fees",
+        "Details": "Upto 5%"
+      }
+    ],
+    "Forex Denominated Loans": [
+      {
+        "Note": "*Forex denominated facilities are priced at Reference Rate* plus a Margin subject to a floor\nUSD - S.O.F.R, GBP - S.O.N.I.A, EURO - E.S.T.R"
+      }
+    ]
+  }

data/equity_debit_card_charges.json

@@ -0,0 +1,108 @@
+{
+    "Scheme Debit Cards": [
+      {
+        "Card Type": "Card Application",
+        "Charge (KSHS)": "600"
+      },
+      {
+        "Card Type": "Card Annual Fee",
+        "Charge (KSHS)": "200"
+      },
+      {
+        "Card Type": "Card replacement",
+        "Charge (KSHS)": "600"
+      },
+      {
+        "Card Type": "Card re-issue due to PIN forgotten",
+        "Charge (KSHS)": "600"
+      }
+    ],
+    "Proprietary Debit": [
+      {
+        "Card Type": "Card Application fee",
+        "Charge (KSHS)": "400"
+      },
+      {
+        "Card Type": "Card Annual Fee",
+        "Charge (KSHS)": "100"
+      },
+      {
+        "Card Type": "Card Replacement",
+        "Charge (KSHS)": "400"
+      }
+    ],
+    "Prepaid Cards": [
+      {
+        "Card Type": "Card Application Fee",
+        "Charge (KSHS)": "500"
+      },
+      {
+        "Card Type": "Application Fee (Students)",
+        "Charge (KSHS)": "350"
+      },
+      {
+        "Card Type": "Card Replacement Fee",
+        "Charge (KSHS)": "300"
+      }
+    ],
+    "Debit & Prepaid Cards Transaction Charges": [
+      {
+        "Transaction Type": "ATM Withdrawal at Equity",
+        "Charge (KSHS)": "30"
+      },
+      {
+        "Transaction Type": "Cash withdrawal (Other Banks' ATM)",
+        "Charge (KSHS)": "200"
+      },
+      {
+        "Transaction Type": "Agent Withdrawal",
+        "Charge (KSHS)": "Agent tariff applies"
+      },
+      {
+        "Transaction Type": "POS Purchase",
+        "Charge (KSHS)": "Free"
+      },
+      {
+        "Transaction Type": "ATM Mini-statement - Display",
+        "Charge (KSHS)": "Free"
+      },
+      {
+        "Transaction Type": "ATM Balance Enquiry - Display",
+        "Charge (KSHS)": "Free"
+      },
+      {
+        "Transaction Type": "Declined Cash Transaction (Other Banks' ATMs)",
+        "Charge (KSHS)": "30"
+      },
+      {
+        "Transaction Type": "Card Balance Enquiry (Other Banks' ATMs)",
+        "Charge (KSHS)": "30"
+      },
+      {
+        "Transaction Type": "Cash Back withdrawal",
+        "Charge (KSHS)": "25"
+      },
+      {
+        "Transaction Type": "Bills Payment",
+        "Charge (KSHS)": "30"
+      }
+    ],
+    "VISA USD Debit Card": [
+      {
+        "Card Type": "Card application fee",
+        "Charge (USD)": "8"
+      },
+      {
+        "Card Type": "Card annual Fee",
+        "Charge (USD)": "3"
+      },
+      {
+        "Card Type": "Card replacement",
+        "Charge (USD)": "8"
+      },
+      {
+        "Card Type": "ATM Withdrawal fee (Both Equity and Non Equity)",
+        "Charge (USD)": "3"
+      }
+    ]
+  }

data/equity_fixed_jijenge_account_details.json

@@ -0,0 +1,38 @@
+[
+    {
+      "Account Type": "Fixed Account min bal",
+      "Charge (KSHS)": "50,000"
+    },
+    {
+      "Account Type": "Fixed Account min bal - Corporate",
+      "Charge (KSHS)": "50,000"
+    },
+    {
+      "Account Type": "Fixed Deposit - Foreign currency",
+      "Charge": "USD 5,000 (equivalent for Other currencies)"
+    },
+    {
+      "Account Type": "Jijenge account min bal - all Branches",
+      "Charge (KSHS)": "300"
+    },
+    {
+      "Account Type": "Jijenge minimum monthly contribution",
+      "Charge (KSHS)": "300"
+    },
+    {
+      "Account Type": "Jijenge premature withdrawal",
+      "Charge": "5% of the savings (minimum Kes 200 maximum Kes 5,000)"
+    },
+    {
+      "Account Type": "Fixed deposit withdrawal",
+      "Charge (KSHS)": "Nil"
+    },
+    {
+      "Account Type": "Jijenge Account withdrawal",
+      "Charge (KSHS)": "Nil"
+    },
+    {
+      "Account Type": "Fixed deposit premature withdrawal",
+      "Charge": "call rate applies"
+    }
+  ]

data/equity_foreign_currency_account_requirements.json

@@ -0,0 +1,10 @@
+[
+    {
+      "Requirement": "Account opening balance",
+      "Amount": "100 USD/equivalent"
+    },
+    {
+      "Requirement": "Minimum operating balance",
+      "Amount": "100 USD/equivalent"
+    }
+  ]

data/equity_funds_transfer_charges.json

@@ -0,0 +1,152 @@
+{
+    "Bank to Mobile Wallets": [
+      {
+        "From": "1",
+        "To": "100",
+        "To Mpesa": "0",
+        "To Airtel Money": "0"
+      },
+      {
+        "From": "101",
+        "To": "500",
+        "To Mpesa": "10",
+        "To Airtel Money": "11"
+      },
+      {
+        "From": "501",
+        "To": "1,000",
+        "To Mpesa": "12",
+        "To Airtel Money": "13"
+      },
+      {
+        "From": "1,001",
+        "To": "1,500",
+        "To Mpesa": "14",
+        "To Airtel Money": "20"
+      },
+      {
+        "From": "1,501",
+        "To": "2,500",
+        "To Mpesa": "23",
+        "To Airtel Money": "25"
+      },
+      {
+        "From": "2,501",
+        "To": "3,500",
+        "To Mpesa": "33",
+        "To Airtel Money": "35"
+      },
+      {
+        "From": "3,501",
+        "To": "5,000",
+        "To Mpesa": "43",
+        "To Airtel Money": "45"
+      },
+      {
+        "From": "5,001",
+        "To": "7,500",
+        "To Mpesa": "55",
+        "To Airtel Money": "55"
+      },
+      {
+        "From": "7,501",
+        "To": "20,000",
+        "To Mpesa": "65",
+        "To Airtel Money": "65"
+      },
+      {
+        "From": "20,001",
+        "To": "150,000",
+        "To Mpesa": "67",
+        "To Airtel Money": "65"
+      }
+    ],
+    "Equitel to Other Mobile Wallets": [
+      {
+        "From": "1",
+        "To": "100",
+        "To Mpesa": "0",
+        "To Airtel Money": "0"
+      },
+      {
+        "From": "101",
+        "To": "500",
+        "To Mpesa": "10",
+        "To Airtel Money": "11"
+      },
+      {
+        "From": "501",
+        "To": "1,000",
+        "To Mpesa": "12",
+        "To Airtel Money": "13"
+      },
+      {
+        "From": "1,001",
+        "To": "1,500",
+        "To Mpesa": "14",
+        "To Airtel Money": "20"
+      },
+      {
+        "From": "1,501",
+        "To": "2,500",
+        "To Mpesa": "23",
+        "To Airtel Money": "25"
+      },
+      {
+        "From": "2,501",
+        "To": "3,500",
+        "To Mpesa": "33",
+        "To Airtel Money": "35"
+      },
+      {
+        "From": "3,501",
+        "To": "5,000",
+        "To Mpesa": "43",
+        "To Airtel Money": "45"
+      },
+      {
+        "From": "5,001",
+        "To": "7,500",
+        "To Mpesa": "55",
+        "To Airtel Money": "55"
+      },
+      {
+        "From": "7,501",
+        "To": "20,000",
+        "To Mpesa": "65",
+        "To Airtel Money": "65"
+      },
+      {
+        "From": "20,001",
+        "To": "150,000",
+        "To Mpesa": "67",
+        "To Airtel Money": "65"
+      }
+    ],
+    "Bank to Bank Transfers": [
+      {
+        "Service": "Equity to Equity Account",
+        "Charge (Kshs)": "0"
+      },
+      {
+        "Service": "Equity Account to other Bank accounts (RTGS)",
+        "Charge (Kshs)": "500"
+      },
+      {
+        "Service": "Equity Account to other Bank accounts (Pesalink) 0 - 1,000",
+        "Charge (Kshs)": "0"
+      },
+      {
+        "Service": "Equity Account to other Bank accounts (Pesalink) 1,000 - 100,000",
+        "Charge (Kshs)": "50"
+      },
+      {
+        "Service": "Equity Account to other Bank accounts (Pesalink) 100,001 - 999,000",
+        "Charge (Kshs)": "100"
+      },
+      {
+        "Service": "Cross Boarder (Swift)",
+        "Charge (Kshs)": "1,000"
+      }
+    ]
+  }

data/equity_insurance_bimayagari.txt

@@ -0,0 +1,31 @@
+### How To get started with this product
+
+Note: Get optional extras at an additional premium, including tracking devices, rescue, courtesy car, political violence & terrorism and excess protector.
+
+| Benefits for this coverr |
+| --- |
+| 1. | Windscreen: | KSh 50,000 free cover |
+| 2. | Radio Cassette | KSh 30,000 free cover |
+| 3. | Capping of excess – OD & Partial theft | 2.5% of value. Min of KSh 15,000; max of Ksh 100,000 |
+| 4. | Sum insured | Agreed value basis |
+| 5. | Free valuation | At inception and renewal |
+
+### FAQs
+
+Frequently Asked Questions
+
+*   [What happens when I have A Road Accident ?](https://equitygroupholdings.com/ke/#)
+    
+    When you have a road accident, you should report to the nearest police station and then report to your Equity Bank branch for assistance.
+    
+*   [Complaints Handling Process](https://equitygroupholdings.com/ke/#)• Lodge complaint at any of our branches, via call center, info@equitybank.co.ke or website: https://equitygroupholdings.com/ke/ We will record your feedback and issue you with a reference number.  
+    • We will acknowledge you feedback within 48hours.  
+    • If we cannot resolve the complaint immediately, we will advise on the next cause of action and when to expect feedback from us.  
+    • We will endeavor to resolve the complaint within 7 working days.  However, should we require more time to it, we will keep you updated with progress every 7 days until the complaint is resolved.  
+    • Should the resolution not meet your satisfaction, feel free to get back to us with your concerns and we will review the issue and resolution and revert back to you.
+    
+*   [Rights and Obligations](https://equitygroupholdings.com/ke/#)• T & Cs of products are available on website and as part of account opening form.  
+    • Data privacy policy included in customer onboarding and account opening forms"
+    
+*   [Transaction Process](https://equitygroupholdings.com/ke/#)Once all the documents are availed the customer can pay in cash, three consecutive installments or through insurance premium financing.
+    

data/equity_insurance_motorcycle.txt

@@ -0,0 +1,90 @@
+### How To get started with this product
+
+The motor cycle should be for personal use by a rider authorized by the insured and holding a valid license.
+
+| These Are the Features of The Motor Cycle Private Insurancer |
+| --- |
+| 1. | Third party property damage | Kshs. 2,000,000.00 |
+| 2. | Third party bodily injury | Unlimited |
+| 3. | Authorized repairs limit | Kshs 10,000.00 |
+| 4. | Towing and recovery | Kshs. 10,000.00 |
+| 5. | Passenger Liability | Any one passenger Kshs. 3,500,000.00 |
+| 6. | Any one event | Kshs.10,000,000.00 |
+| 7. | Geographical area | Kenya |
+| 8. | Passenger liability | Any one passenger Kshs. 3,500,000.00 |
+
+### FAQs
+
+Frequently Asked Questions
+
+*   [Who is Equity Bancassurance Intermediary Limited?](https://equitygroupholdings.com/ke/#)
+    
+    This is a wholly owned subsidiary of Equity Bank Limited offering bancassurance products and services to the public
+    
+*   [What are some of the products offered by Equity Bancassurance Intermediary Limited?](https://equitygroupholdings.com/ke/#)
+    
+    **Micro Insurance**
+    
+    *   A product that provides all risks cover to Chattels and business stocks
+    
+    **Medical Insurance**
+    
+    *   We have two off the shelf flagship products namely Equihealth and Equimed.
+    *   We also tailor make corporate medical covers
+    *   We also offer medical scheme administration. 
+    
+    **Motor Insurance**
+    
+    *   A wide range of product offering which includes, motor cycle, motor private, motor commercial and institutional buses.
+    
+    **General non motor insurance**
+    
+    *   This includes Fire and perils, Burglary, All risks, Fidelity Guarantee, Political Violence and Terrorism, Money Insurance, Work Injury Benefits Act (WIBA), Group Personal Accident, Marine, Public Liability, Travel Insurance among others.
+    
+    **Agriculture insurance**
+    
+    *   We offer livestock insurance and Crop insurance against the insured perils.
+    
+    **Credit life assurance**
+    
+    *   This policy pays off the outstanding loan amount in the event of unfortunate Death or Permanent Total Disability (PTD) of a borrower.
+    
+*   [What is the process of signing up for you insurance products and services?](https://equitygroupholdings.com/ke/#)
+    
+    You may obtain insurance products and services from your nearest Equity Bank branch where you will be assisted by our bancassurance officer. The bancassurance  officer will assist you fill a proposal form and after which he/she will advise you on the various payment modes available from which you will choose the one that suits you best and you get covered immediately.
+    
+*   [In the event of a claim, how do I get compensated?](https://equitygroupholdings.com/ke/#)
+    
+    Immediately report to your bancassurance officer or to your nearest Equity Bank branch. Our bancassurance officer will assist you fill a claim form and give you a step by step advice on the claim process and also the time it will take to settle the claim.
+    
+*   [Where can you access insurance services ?](https://equitygroupholdings.com/ke/#)
+    
+    You may obtain insurance products and services from your nearest Equity Bank branch.
+    
+*   [What should I have when going to buy a motor insurance cover at my Equity Bank branch?](https://equitygroupholdings.com/ke/#)
+    
+    When coming to buy motor insurance, kindly carry your driving licence and a copy of the logbook
+    
+*   [What happens if I cannot raise the premium for the motor insurance at once?](https://equitygroupholdings.com/ke/#)
+    
+    In this case we have a flexible payment arrangement that can be obtain from your Equity bank branch
+    
+*   [Can I access medical care as soon as I’m on cover?](https://equitygroupholdings.com/ke/#)
+    
+    Yes, you can access care as long as there are not any waiting periods applied on the sub-benefit.
+    
+*   [If cancer is diagnosed and I’m on Core level plan are the outpatient appointments covered](https://equitygroupholdings.com/ke/#)
+    
+    From the date an insured person is diagnosed as suffering from cancer, whether it is in its acute, or chronic or terminal stage, all and any treatment received thereafter on an in-patient, day-care or out-patient basis involving: consultations, diagnostic tests, scans, investigations, prescribed drugs and dressings, chemotherapy, radiotherapy, stem cell transplants (from either bone marrow or blood), cold cap therapies, routine management and palliative treatments; will be assessed and paid for under this item. Eligible costs incurred up to the point of diagnosis are not paid under this item of your policy.
+    
+*   [Complaints Handling Process](https://equitygroupholdings.com/ke/#)• Lodge complaint at any of our branches, via call center, info@equitybank.co.ke or website: https://equitygroupholdings.com/ke/ We will record your feedback and issue you with a reference number.  
+    • We will acknowledge you feedback within 48hours.  
+    • If we cannot resolve the complaint immediately, we will advise on the next cause of action and when to expect feedback from us.  
+    • We will endeavor to resolve the complaint within 7 working days.  However, should we require more time to it, we will keep you updated with progress every 7 days until the complaint is resolved.  
+    • Should the resolution not meet your satisfaction, feel free to get back to us with your concerns and we will review the issue and resolution and revert back to you.
+    
+*   [Rights and Obligations](https://equitygroupholdings.com/ke/#)• T & Cs of products are available on website and as part of account opening form.  
+    • Data privacy policy included in customer onboarding and account opening forms"
+    
+*   [Transaction Process](https://equitygroupholdings.com/ke/#)Once all the documents are availed the customer can pay in cash, three consecutive installments or through insurance premium financing.
+    

data/equity_mobile_money_wallet_charges.json

@@ -0,0 +1,66 @@
+{
+    "Receive Money From": [
+      {
+        "Mobile Money Provider": "Airtel Money",
+        "Charge (Kshs)": "Free",
+        "Note": "(any amount)"
+      },
+      {
+        "Mobile Money Provider": "M-Pesa",
+        "Charge (Kshs)": "Free",
+        "Note": "(any amount)"
+      }
+    ],
+    "Send Money": [
+      {
+        "Transaction Amount (Kshs)": "1 - 100",
+        "TO MPESA": "0",
+        "TO AIRTEL MONEY": "0"
+      },
+      {
+        "Transaction Amount (Kshs)": "101 - 500",
+        "TO MPESA": "10",
+        "TO AIRTEL MONEY": "9"
+      },
+      {
+        "Transaction Amount (Kshs)": "501 - 1,000",
+        "TO MPESA": "12",
+        "TO AIRTEL MONEY": "11"
+      },
+      {
+        "Transaction Amount (Kshs)": "1,001 - 1,500",
+        "TO MPESA": "14",
+        "TO AIRTEL MONEY": "13"
+      },
+      {
+        "Transaction Amount (Kshs)": "1,501 - 2,500",
+        "TO MPESA": "23",
+        "TO AIRTEL MONEY": "21"
+      },
+      {
+        "Transaction Amount (Kshs)": "2,501 - 3,500",
+        "TO MPESA": "33",
+        "TO AIRTEL MONEY": "31"
+      },
+      {
+        "Transaction Amount (Kshs)": "3,501 - 5,000",
+        "TO MPESA": "43",
+        "TO AIRTEL MONEY": "41"
+      },
+      {
+        "Transaction Amount (Kshs)": "5,001 - 7,500",
+        "TO MPESA": "55",
+        "TO AIRTEL MONEY": "53"
+      },
+      {
+        "Transaction Amount (Kshs)": "7,501 - 20,000",
+        "TO MPESA": "65",
+        "TO AIRTEL MONEY": "63"
+      },
+      {
+        "Transaction Amount (Kshs)": "20,001 - 150,000",
+        "TO MPESA": "67",
+        "TO AIRTEL MONEY": "64"
+      }
+    ]
+  }

data/equity_paypal_tariff.json

@@ -0,0 +1,31 @@
+[
+    {
+      "Action": "Link your PayPal Account",
+      "Commission (%)": "Free"
+    },
+    {
+      "Action": "Withdrawal Amounts in USD",
+      "Commission (%) Details": [
+        {
+          "Amount Range": "500 and below",
+          "Commission (%)": "1.500%"
+        },
+        {
+          "Amount Range": "501 - 1,000",
+          "Commission (%)": "1.375%"
+        },
+        {
+          "Amount Range": "1,001 - 2,000",
+          "Commission (%)": "1.250%"
+        },
+        {
+          "Amount Range": "2,001 - 5,000",
+          "Commission (%)": "1.125%"
+        },
+        {
+          "Amount Range": "Above 5,000",
+          "Commission (%)": "1.000%"
+        }
+      ]
+    }
+  ]

data/equity_personal_account_tariffs.json

@@ -0,0 +1,112 @@
+[
+    {
+      "Account Type": "Retail",
+      "Equity Ordinary Account (KSHS)": "400",
+      "Personal Current Account (KSHS)": "5,000",
+      "Junior Member Account (KSHS)": "200",
+      "Remittance Account (KSHS)": "Nil",
+      "Teen Member Account (KSHS)": "200",
+      "Achievers Students Account (KSHS)": "Nil",
+      "School Fees Account (KSHS)": "100"
+    },
+    {
+      "Account Type": "Account Opening Balance",
+      "Equity Ordinary Account (KSHS)": "Nil",
+      "Personal Current Account (KSHS)": "Nil",
+      "Junior Member Account (KSHS)": "200",
+      "Remittance Account (KSHS)": "Nil",
+      "Teen Member Account (KSHS)": "200",
+      "Achievers Students Account (KSHS)": "Nil",
+      "School Fees Account (KSHS)": "100"
+    },
+    {
+      "Account Type": "Minimum Operating Balance",
+      "Equity Ordinary Account (KSHS)": "150",
+      "Personal Current Account (KSHS)": "150",
+      "Junior Member Account (KSHS)": "150",
+      "Remittance Account (KSHS)": "150",
+      "Teen Member Account (KSHS)": "150",
+      "Achievers Students Account (KSHS)": "150",
+      "School Fees Account (KSHS)": "150"
+    },
+    {
+      "Account Type": "Inter-branch Cash Withdrawal",
+      "Equity Ordinary Account (KSHS)": "350",
+      "Personal Current Account (KSHS)": "1,000",
+      "Junior Member Account (KSHS)": "300",
+      "Remittance Account (KSHS)": "350",
+      "Teen Member Account (KSHS)": "300",
+      "Achievers Students Account (KSHS)": "300",
+      "School Fees Account (KSHS)": "300"
+    },
+    {
+      "Account Type": "Account Closing Fees",
+      "Equity Ordinary Account (KSHS)": "100",
+      "Personal Current Account (KSHS)": "100",
+      "Junior Member Account (KSHS)": "100\n2 Free in a year,\nadditional 100",
+      "Remittance Account (KSHS)": "100",
+      "Teen Member Account (KSHS)": "100\n2 Free in a year,\nadditional 100",
+      "Achievers Students Account (KSHS)": "100\n4 Free in a year,\nadditional 100",
+      "School Fees Account (KSHS)": "100"
+    },
+    {
+      "Account Type": "Counter Cash Withdrawal",
+      "Equity Ordinary Account (KSHS)": "5,000",
+      "Personal Current Account (KSHS)": "10,000",
+      "Junior Member Account (KSHS)": "200",
+      "Remittance Account (KSHS)": "5,000",
+      "Teen Member Account (KSHS)": "200",
+      "Achievers Students Account (KSHS)": "Nil",
+      "School Fees Account (KSHS)": "100"
+    },
+    {
+      "Account Type": "Corporate",
+      "Equity Ordinary Account (KSHS)": "Nil",
+      "Personal Current Account (KSHS)": "Nil",
+      "Junior Member Account (KSHS)": "200",
+      "Remittance Account (KSHS)": "Nil",
+      "Teen Member Account (KSHS)": "200",
+      "Achievers Students Account (KSHS)": "Nil",
+      "School Fees Account (KSHS)": "100"
+    },
+    {
+      "Account Type": "Account Opening Balance",
+      "Equity Ordinary Account (KSHS)": "150",
+      "Personal Current Account (KSHS)": "150",
+      "Junior Member Account (KSHS)": "150",
+      "Remittance Account (KSHS)": "150",
+      "Teen Member Account (KSHS)": "150",
+      "Achievers Students Account (KSHS)": "150",
+      "School Fees Account (KSHS)": "150"
+    },
+    {
+      "Account Type": "Minimum Operating Balance",
+      "Equity Ordinary Account (KSHS)": "350",
+      "Personal Current Account (KSHS)": "1,000",
+      "Junior Member Account (KSHS)": "300",
+      "Remittance Account (KSHS)": "350",
+      "Teen Member Account (KSHS)": "300",
+      "Achievers Students Account (KSHS)": "300",
+      "School Fees Account (KSHS)": "300"
+    },
+    {
+      "Account Type": "Inter-branch Cash Withdrawal",
+      "Equity Ordinary Account (KSHS)": "100",
+      "Personal Current Account (KSHS)": "100",
+      "Junior Member Account (KSHS)": "100\n2 Free in a year,\nadditional 100",
+      "Remittance Account (KSHS)": "100",
+      "Teen Member Account (KSHS)": "100\n2 Free in a year,\nadditional 100",
+      "Achievers Students Account (KSHS)": "100\n4 Free in a year,\nadditional 100",
+      "School Fees Account (KSHS)": "100"
+    },
+    {
+      "Account Type": "Account Closing Fees",
+      "Equity Ordinary Account (KSHS)": "300",
+      "Personal Current Account (KSHS)": "300",
+      "Junior Member Account (KSHS)": "300",
+      "Remittance Account (KSHS)": "300",
+      "Teen Member Account (KSHS)": "300",
+      "Achievers Students Account (KSHS)": "300",
+      "School Fees Account (KSHS)": "300"
+    }
+  ]

data/equity_pesalink_cash_withdrawal_charges.json

@@ -0,0 +1,14 @@
+[
+    {
+      "Transaction Amount (Kshs)": "0 - 1,000",
+      "Cash Withdrawal (incl. of 20% excise duty)": "0"
+    },
+    {
+      "Transaction Amount (Kshs)": "1,000 - 99,999",
+      "Cash Withdrawal (incl. of 20% excise duty)": "60"
+    },
+    {
+      "Transaction Amount (Kshs)": "100,000 - 999,999",
+      "Cash Withdrawal (incl. of 20% excise duty)": "120"
+    }
+  ]

data/equity_savings_eazzysave.txt

@@ -0,0 +1,68 @@
+EazzySave
+=========
+
+Saving money helps you achieve your goal. EazzySave Account helps you set money aside from your account to keep it secure until it matures.  
+  
+Ideal for: Individuals (singly/jointly) and groups  
+  
+[Download Application Form](https://equitygroupholdings.com/ke/uploads/savings-acccount-opening-form.pdf "Savings Account Application Form")  
+  
+[Download Mobile App](https://equitygroupholdings.com/ke/digital-banking/migrate-to-equity-mobile "Download Mobile App")
+
+### Key Features of the EazzySave Account
+
+1.  No minimum operating balance.
+2.  Savings worth KSh 20,000 and above attract competitive interests, paid annually.
+3.  No monthly charges.
+4.  Full access to mobile banking.
+5.  Cash and cheque deposits.
+
+### Reasons Why You Should Open an Eazzysave Account
+
+1.  There is no account maintenance or monthly charges.
+2.  You can conveniently access your account at any Equity branch countrywide, at an Equity Agent or through Mobile Banking (Equitel or EazzyApp).
+3.  One free withdrawal every month.
+4.  Free internal standing orders.
+5.  24hour support through 0763063000 and/or [info@equitybank.co.ke](mailto:info@equitybank.co.ke)
+
+### Charges
+
+For charges applicable to this product/service, refer to the [tariff guide](https://equitygroupholdings.com/ke/images/docs/tariff-guide.pdf "Tariff Guide") available on this [link.](https://equitygroupholdings.com/ke/images/docs/tariff-guide.pdf "Tariff Guide") 
+
+[Tariff Guide](https://equitygroupholdings.com/ke/images/docs/tariff-guide.pdf)
+
+### What You Require to Open an EazzySave Account
+
+1.  Individuals (singly or jointly) -Original Identification document & KRA Pin
+2.  Registered Groups - Registration Certificate, Constitution, minutes of resolution to open account certified by the District Social Development officer (DSDO).
+3.  An introduction letter from the DSDO
+4.  Registered Business- see account opening requirements for different entities.
+
+### Sign up Process
+
+1.  Visit your nearest Equity bank branch
+2.  Present the required documents and fill out the application form
+3.  The bank will then process your application and you can start banking with us.
+4.  For any further clarification, fill the form below and we will get back to you.
+
+### Transaction Process
+
+1.  Cash transaction on account happen on a real-time basis.
+
+### Complaints Handling Process
+
+1.  Lodge complaint at any of our branches, via call center, info@equitybank.co.ke or feedback link [TALK TO US](https://equity.custhelp.com/app/ask). We will record your feedback and issue you with a reference number.
+2.  We will acknowledge you feedback within 48hours.
+3.  If we cannot resolve the complaint immediately, we will advise on the next cause of action and when to expect feedback from us.
+4.  We will endeavor to resolve the complaint within 7 working days. However, should we require more time to it, we will keep you updated with progress every 7 days until the complaint is resolved.
+5.  Should the resolution not meet your satisfaction, feel free to get back to us with your concerns and we will review the issue and resolution and revert back to you.
+
+### Potential Risks
+
+1.  To safeguard funds in your account, do not share your account details with anyone posing as Equity staff asking for you account information.
+2.  If you suspect your account information has been compromised, please communicate to the bank immediately.
+
+### Rights and Obligations
+
+1.  T & Cs of products are available on website and as part of account opening form.
+2.  Data privacy policy included in customer onboarding and account opening forms

data/equity_savings_jijenge.txt

@@ -0,0 +1,65 @@
+Jijenge Account
+===============
+
+As the name suggests, Jijenge Account helps you build your dreams by providing an avenue to save towards them.  
+  
+Ideal for - Individuals (singly or jointly)
+
+### Key Features of the Jijenge Account
+
+*   Account opening balance of KSh 300.
+*   Minimum monthly contributions of KSh 300.
+*   Minimum lock operating period of 6 months with no partial withdrawal.
+*   No monthly charges.
+
+### Why You Should Open a Jijenge Account
+
+*   No ledger / monthly fees to run it.
+*   Free internal standing orders to your account
+*   You can conveniently access your account at any Equity branch countrywide.
+*   The account, allows you to determine your savings period from 6 months onwards.
+*   Enjoy access to instant loans of up to 90% of your savings at discounted rates.
+*   24hour support through 0763063000 and/or [info@equitybank.co.ke](mailto:info@equitybank.co.ke)
+
+###  Charges
+
+For charges applicable to this product/service, refer to the [tariff guide](https://equitygroupholdings.com/ke/images/docs/tariff-guide.pdf "Tariff Guide") available on this [link.](https://equitygroupholdings.com/ke/images/docs/tariff-guide.pdf "Tariff Guide") 
+
+[Tariff Guide](https://equitygroupholdings.com/ke/images/docs/tariff-guide.pdf)
+
+### What Your Require to Open a Jijenge Account
+
+*   Individuals (singly or jointly) -Original Identification document & KRA Pin.
+
+### Sign up Process
+
+1.  Visit your nearest Equity bank branch
+2.  Present the required documents and fill out the application form
+3.  The bank will then process your application and you can start banking with us.
+4.  For any further clarification, fill the form below and we will get back to you.
+
+[Account Opening Form](https://equitygroupholdings.com/ke/uploads/individual-account-opening-form.pdf?v=2)  
+  
+[Download Mobile App](https://equitygroupholdings.com/ke/digital-banking/migrate-to-equity-mobile "Download Mobile App")  
+
+### Potential Risks
+
+*   To safeguard funds in your account, do not share your account details with anyone posing as Equity staff asking for your account information.
+*   If you suspect your account information has been compromised, please communicate to the bank immediately.
+
+### Transaction Process
+
+*   Cash transaction on account happens on a real-time basis.
+
+### Complaint Handling Process
+
+*   Lodge complaint at any of our branches, via call center, info@equitybank.co.ke or feedback link [TALK TO US](https://equity.custhelp.com/app/ask). We will record your feedback and issue you with a reference number.
+*   We will acknowledge your feedback within 48hours.
+*   If we cannot resolve the complaint immediately, we will advise on the next cause of action and when to expect feedback from us.
+*   We will endeavour to resolve the complaint within 7 working days. However, should we require more time to it, we will keep you updated with progress every 7 days until the complaint is resolved.
+*   Should the resolution not meet your satisfaction, feel free to get back to us with your concerns and we will review the issue and resolution and revert back to you.
+
+### Rights and Obligations
+
+*   T & Cs of products are available on website and as part of account opening form.
+*   Data privacy policy included in customer onboarding and account opening forms

data/equity_savings_junior.txt

@@ -0,0 +1,81 @@
+Junior Member Account
+=====================
+
+Junior Member Account is the Cutting edge banking for future professionals offering. JUNIOR MEMBER Account is an affordable and convenient account that offers financial literacy to students.  
+  
+Ideal for: Children below the age of 18 years
+
+###  Key Features of the Junior Member Account
+
+*   Opened by the parent/ guardian on behalf of a minor (0-17 years) in the child’s name (A/c name) with the guardian/parent as a signatory.
+*   One withdrawal in every three months (quarterly)
+*   Free cash deposits
+*   Free standing order into the account
+*   No opening balance
+*   No minimum operating balance
+*   Account shall fall dormant in one year but will not attract activation fee.
+*   The account does not have a debit card
+*   The account can be mapped to mobile phone banking
+*   Home Bank provided upon depositing Kshs 1000 in the account
+*   Interest earning amount Kshs. 10,000
+
+### Why You Should Open a Junior Member Account for Your Child
+
+*   Free withdrawal and internal transfers
+*   Interest rate on money saved paid every quarter
+*   No opening/ operating balance
+*   Free photo on account opening
+*   Flexible deposits amounts
+*   No limit of amount withdrawn
+*   No Access charges
+*   Junior Member financial literacy day
+*   Free e-birthday cards
+*   Free E-Statements
+*   Deposit through all Channels
+
+### Charges
+
+For charges applicable to this product/service, refer to the [tariff guide](https://equitygroupholdings.com/ke/images/docs/tariff-guide.pdf "Tariff Guide") available on this [link.](https://equitygroupholdings.com/ke/images/docs/tariff-guide.pdf "Tariff Guide") 
+
+[Tariff Guide](https://equitygroupholdings.com/ke/images/docs/tariff-guide.pdf)
+
+### What You Require to Open a Junior Member Account
+
+1.  Parent’s/ guardian Original and copy of national ID. (Guardian to provide proof of legal guardianship i.e. letter of administration)
+2.  Original and photocopy of child’s Birth certificate/Birth notification
+
+### Potential Risks
+
+1.  To safeguard funds in your account, do not share you PINs with anyone.
+2.  When making payments using your card, be sure the card stays in your sight. If you lose your card, communicate to the bank to block it.
+3.  If you suspect any of your PINs is known by others, please change it immediately
+
+### Sign Up Process
+
+1.  Visit your nearest Equity bank branch
+2.  Present the required documents and fill out the application form
+3.  The bank will then process your application and you can start banking with us.
+4.  For any further clarification, fill the form below and we will get back to you.
+
+[Account Opening Form](https://equitygroupholdings.com/ke/uploads/individual-account-opening-form.pdf)   
+  
+[Download Mobile App](https://equitygroupholdings.com/ke/digital-banking/migrate-to-equity-mobile "Download Mobile App")  
+
+### Transaction Process
+
+1.  Cash transaction on account happens on a real-time basis.
+2.  Transactions processing and instructions to be done by parent/guardian.
+3.  Child encouraged to visit the branch once the home bank is full.
+
+### Complaints Handling Process
+
+1.  Lodge complaint at any of our branches, via call center, info@equitybank.co.ke or feedback link [TALK TO US](https://equity.custhelp.com/app/ask). We will record your feedback and issue you with a reference number.
+2.  We will acknowledge your feedback within 48hours.
+3.  If we cannot resolve the complaint immediately, we will advise on the next cause of action and when to expect feedback from us.
+4.  We will endeavour to resolve the complaint within 7 working days. However, should we require more time to it, we will keep you updated with progress every 7 days until the complaint is resolved.
+5.  Should the resolution not meet your satisfaction, feel free to get back to us with your concerns and we will review the issue and resolution and revert back to you.
+
+### Rights and Obligations
+
+1.  T & Cs of products is available on the website and as part of the account opening form.
+2.  Data privacy policy included in customer onboarding and account opening forms

data/equity_savings_student.txt

@@ -0,0 +1,65 @@
+Achievers Students Account is an affordable and convenient account that offers financial literacy to students.
+
+Ideal for: Students in all tertiary institutions of learning aged Tertiary institution students 18-24 yrs of age
+
+### Key Features of the Achievers Student Account
+
+*   Sign up all students on Eazzy 24/7
+*   No opening balance
+*   No account maintaining balance
+*   No ledger fees
+*   No cash deposit charges over the counter; agent rates apply
+*   No limitation on the withdrawal amount
+*   Free incoming funds transfer
+*   Free internal funds transfer within the same scheme code
+*   Free Eazzy 24/7 funds transfer within the same scheme code
+*   Account transformed into Equity ordinary account when the holder turns 25 years. Account holder to be notified via email/sms on changes to the account
+
+### Why You Should Open This Account
+
+*   Free internal/incoming funds transfer
+*   Mobile banking Accessible from anywhere at the comfort of your phone
+*   E - birthday card
+*   E - transaction alert as proof of transaction
+*   50% Discounted on the student payment card
+*   A student account website, blogs and social networks sites
+
+### Charges
+
+For charges applicable to this product/service, refer to the [tariff guide](https://equitygroupholdings.com/ke/images/docs/tariff-guide.pdf "Tariff Guide") available on this [link.](https://equitygroupholdings.com/ke/images/docs/tariff-guide.pdf "Tariff Guide")
+
+### What You Require to Open an Achievers Student Account
+
+*   Original Student ID/ college letter of admission
+*   National ID and photocopy
+*   Passport for non-Kenyan students -student pass and alien id
+
+### Sign up Process
+
+1.  Visit your nearest Equity bank branch
+2.  Present the required documents and fill out the application form
+3.  The bank will then process your application and you can start banking with us.
+4.  For any further clarification, fill the form below and we will get back to you.
+
+### Rights and Obligations
+
+*   T & Cs of products are available on website and as part of account opening form.
+*   Data privacy policy included in customer onboarding and account opening forms
+
+### Potential Risks
+
+*   To safeguard funds in your account, do not share your PINs with anyone. 
+*   When making payments using your card, be sure the card stays in your sight.  If you lose your card, communicate to the bank to block it.
+*   If you suspect any of your PINs is known by others, please change it immediately.
+
+### Transaction Process
+
+*   Cash transaction on account happens on a real-time basis.
+
+### Complaint Handling Process
+
+*   Lodge complaint at any of our branches, via call center, info@equitybank.co.ke or feedback link [TALK TO US](https://equity.custhelp.com/app/ask). We will record your feedback and issue you with a reference number.
+*   We will acknowledge your feedback within 48hours.
+*   If we cannot resolve the complaint immediately, we will advise on the next cause of action and when to expect feedback from us.
+*   We will endeavour to resolve the complaint within 7 working days. However, should we require more time to it, we will keep you updated with progress every 7 days until the complaint is resolved.
+*   Should the resolution not meet your satisfaction, feel free to get back to us with your concerns and we will review the issue and resolution and revert back to you.

data/equity_savings_teen.txt

@@ -0,0 +1,38 @@
+Teen Member Account
+===================
+
+A savings culture inspired early sets a foundation for financial wisdom. Provide your teenager with a safe avenue to save their money by opening a Teen Member Account.
+
+###  3 Great Features of the Teen Member’s Account
+
+1.  The account will operate under the teen’s name.
+2.  The account will require an opening and operating balance of KSh 200.
+3.  You get two free withdrawals in a year. Any additional withdrawal is charged at KSh 200.
+
+###  5 Reasons Why You Should Open a Teen Member’s Account for Your Child
+
+1.  Opening an account is affordable. You need an opening balance of only KSh 200 and require no account maintenance fees.
+2.  Every account comes with a free financial educational booklet.
+3.  Your teen will receive free financial education every quarter.
+4.  The account is a channel for your teen to enhance financial literacy.
+5.  You will gain free entry to Teen Member open days.
+
+For charges applicable to this product/service, refer to the [tariff guide](https://equitygroupholdings.com/ke/images/docs/tariff-guide.pdf "Tariff Guide") available on this [link.](https://equitygroupholdings.com/ke/images/docs/tariff-guide.pdf "Tariff Guide") 
+
+[Tariff Guide](https://equitygroupholdings.com/ke/images/docs/tariff-guide.pdf)
+
+### What You Require to Open A Teen Member Account
+
+1.  You will need the original and copy of the parent’s/guardian’s national ID or passport.
+2.  The original and copy of the teen’s birth certificate will also be needed.
+3.  The account will be opened in the teen’s name.
+4.  An account opening and operating balance of KSh 200 will be required.
+
+### Sign up Process 
+
+1.  Visit your nearest Equity bank branch
+2.  Present the required documents and fill out the application form
+3.  The bank will then process your application and you can start banking with us.
+
+[Download Mobile App](https://equitygroupholdings.com/ke/digital-banking/migrate-to-equity-mobile "Download Mobile App")
+

data/equity_trade_finance_charges.json

@@ -0,0 +1,195 @@
+{
+    "Trade Finance": {
+      "Import Letters Of Credit": [
+        {
+          "Charge Item": "Opening Commission",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "1% per quarter or part thereof minimum 2,000"
+        },
+        {
+          "Charge Item": "Amendment",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "2,000 plus swift charges"
+        },
+        {
+          "Charge Item": "Extension of the LC validity",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "1% per quarter or part thereof minimum 2,000"
+        },
+        {
+          "Charge Item": "Increase in amount of credit",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "1% per quarter or part thereof minimum 2,000"
+        },
+        {
+          "Charge Item": "Retirement commission",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "0.25% minimum 2,000 max 10,000"
+        },
+        {
+          "Charge Item": "Acceptance commission",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "1% per quarter or part thereof minimum 2,000"
+        },
+        {
+          "Charge Item": "Post import Finance Commission",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "0.5% per quarter or part thereof plus applicable interest"
+        },
+        {
+          "Charge Item": "Extension of maturity of Bill - LC",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "1% per quarter or part thereof"
+        },
+        {
+          "Charge Item": "Postage for LCs",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "Actual courier charges plus 50"
+        },
+        {
+          "Charge Item": "Document Handling",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "500"
+        },
+        {
+          "Charge Item": "LC discharged unutilised",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "2,000"
+        },
+        {
+          "Charge Item": "Swift Charges",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "1,500 for short message and 3,000 for long message"
+        }
+      ],
+      "Export Letters Of Credit": [
+        {
+          "Charge Item": "Advising Commission",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "2,000"
+        },
+        {
+          "Charge Item": "Confirmation commission",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "0.5% per quarter or part thereof minimum 2,000"
+        },
+        {
+          "Charge Item": "Amendment",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "2,000"
+        },
+        {
+          "Charge Item": "Extension Commission - Confirmed LC",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "0.5% per quarter or part thereof minimum 2,000"
+        },
+        {
+          "Charge Item": "Extension Commission - Unconfirmed LC",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "2,000"
+        },
+        {
+          "Charge Item": "Increase of Amount - Confirmed LC",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "0.5% per quarter or part thereof minimum 2,000"
+        },
+        {
+          "Charge Item": "Courier charges",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "Actual courier charges min.4,000"
+        },
+        {
+          "Charge Item": "Acceptance commission - Confirmed LC",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "0.5% per quarter or part thereof minimum 2,000"
+        },
+        {
+          "Charge Item": "Acceptance commission - Unconfirmed LC",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "0.25% per quarter or part thereof minimum 2,000"
+        },
+        {
+          "Charge Item": "Retirement commission",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "0.25% minimum 2,000 max 10,000"
+        }
+      ],
+      "Discounting of Bills": {
+        "Charge in Kshs. (Exclusive of Excise Duty)": "1% per quarter or part thereof minimum 2,000 plus applicable interest"
+      },
+      "Import documentary Collections": [
+        {
+          "Charge Item": "Document Handling",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "500"
+        },
+        {
+          "Charge Item": "Ammendment",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "2,000"
+        },
+        {
+          "Charge Item": "Retirement commission",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "0.25% minimum 2,000 max 10,000"
+        },
+        {
+          "Charge Item": "Avalising of Bills",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "1% per quarter or part thereof minimum 2,000"
+        },
+        {
+          "Charge Item": "Swift Charges",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "1,500"
+        }
+      ],
+      "Export Documentary Collection": [
+        {
+          "Charge Item": "Document Processing",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "2,000"
+        },
+        {
+          "Charge Item": "Courier charges",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "Actual courier charges min. 4,000"
+        },
+        {
+          "Charge Item": "Retirement commission",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "0.25% minimum 2,000 max 10,000"
+        },
+        {
+          "Charge Item": "Discounting Commission",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "1% per quarter or part thereof minimum 2,000 plus applicable interest"
+        },
+        {
+          "Charge Item": "Swift Charges",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "1,500"
+        }
+      ],
+      "Guarantees": [
+        {
+          "Charge Item": "Bank guarantees",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "3% per annum min 5,000"
+        },
+        {
+          "Charge Item": "Bid bonds",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "1% per annum min 5,000"
+        },
+        {
+          "Charge Item": "Perfomance bonds",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "3% per annum min 5,000"
+        },
+        {
+          "Charge Item": "Extension (bid bond) beyond one year",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "1% per annum min 5,000"
+        },
+        {
+          "Charge Item": "Extension (other guarantees) beyond one year",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "3% per annum min 5,000"
+        },
+        {
+          "Charge Item": "Amendment (all Guarantees)",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "Kshs.1,000"
+        },
+        {
+          "Charge Item": "Custom Bonds",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "3% per annum min 5,000"
+        },
+        {
+          "Charge Item": "Cancellation guarantee if not returned",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "Free"
+        },
+        {
+          "Charge Item": "Cancellation of returned guarantees",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "Free"
+        },
+        {
+          "Charge Item": "Swift Charges",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "1,500 for short message and 3,000 for long message"
+        }
+      ],
+      "Structured Finance": [
+        {
+          "Charge Item": "Deal Structuring Fees",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "0.5% of deal amount"
+        },
+        {
+          "Charge Item": "Collateral Management fees",
+          "Charge in Kshs. (Exclusive of Excise Duty)": "As per Collateral Management"
+        }
+      ]
+    }
+  }

data/equity_virtual_assistant.txt

@@ -0,0 +1,164 @@
+Title: EVA, bank the way you live
+
+URL Source: https://equitygroupholdings.com/ke/eva
+
+Markdown Content:
+![Image 1](https://equitygroupholdings.com/ke/images/equity-eva.svg)
+
+*   Get Started
+*   FAQS
+
+### You can now bank on your favorite social media platforms
+
+Equity Virtual Assistant (Eva) is the bank’s conversational and sociable banking platform that takes financial services to the next level by presenting these services as virtual conversations on social media platforms. Customers can conveniently access and manage their account(s) and enjoy banking services anytime through, WhatsApp, Facebook messenger or Telegram.
+
+With EVA, you can manage your account, buy airtime, send money, buy goods and services, pay bills, get a statement and much more anytime of the day or night without leaving your favourite messaging apps.
+
+### How to get started on Eva.
+
+### What you can do with Eva
+
+![Image 2](https://equitygroupholdings.com/ke/images/link-account.svg)
+
+#### Link your Equity bank account
+
+Stay up to date with all your bank accounts by linking them to Eva.
+
+![Image 3](https://equitygroupholdings.com/ke/images/view-account.svg)
+
+#### View your account details
+
+Eva allows you to keep track of your finances by:
+
+*   Checking your account balance
+*   Getting a mini statement or full statement
+
+![Image 4](https://equitygroupholdings.com/ke/images/manage-account.svg)
+
+#### Manage your accounts
+
+With Eva. you can:
+
+*   Add an account
+*   Remove an account
+
+![Image 5](https://equitygroupholdings.com/ke/images/make-transactions.svg)
+
+#### Make Transactions
+
+Transactions are now easier with Eva. you can:
+
+*   Send money to another Equity bank accounts
+*   Send money to mobile wallets
+*   Buy airtime; Safaricom, Equitel, Airtel ,Telkom
+*   Send money to other banks accounts
+*   Pay your bills; water, electricity, DSTV etc
+*   Buy goods
+
+![Image 6](https://equitygroupholdings.com/ke/images/loan-enquiry.svg)
+
+#### Borrow
+
+Have any loan enquiries? Eva. allows you to:
+
+*   Get a loan (one-month loan)
+*   Pay a loan
+*   View loan limit
+*   Loan balances
+*   Borrow FAQS
+
+![Image 7](https://equitygroupholdings.com/ke/images/change-pin.svg)
+
+#### Change your PIN
+
+Change or reset your Eva Personal identification number (PIN)
+
+![Image 8](https://equitygroupholdings.com/ke/images/view-account.svg)
+
+#### Answer your questions
+
+Get answers and guidance to all your frequently asked questions (FAQs)
+
+![Image 9](https://equitygroupholdings.com/ke/images/emojis.svg)
+
+#### Respond to your emojis
+
+Eva. keeps it light and fun by responding to your emoji expressions
+
+![Image 10](https://equitygroupholdings.com/ke/images/call-center.png)
+
+#### Request for Support
+
+*   Raise a complaint
+*   View Complaint status
+*   Give us Feedback
+
+### Frequently asked questions
+
+[Q1What is Eva?](https://equitygroupholdings.com/ke/#faq1)
+
+EVA is the Equity Virtual Assistant – taking financial services to the next level and making transactions into conversations. Powered by artificial intelligence, Eva can simulate a conversation (or a chat) with a user using natural language.
+
+[Q3Why is Eva important to me as an Equity customer?](https://equitygroupholdings.com/ke/#faq3)
+
+With Eva, you can:
+
+*   Open a virtual bank account in an instant (coming soon)
+*   Link an existing Equity bank account
+*   View your account details:
+    1.  Check your account balance
+    2.  Get a mini statement of your last 10 transactions
+*   Transact
+    1.  Send money to another Equity bank account
+    2.  Send money to M-PESA
+    3.  Buy airtime
+*   Borrow
+    1.  Get a loan (one-month loan)
+    2.  Pay a loan
+    3.  View loan limit
+    4.  Loan balances
+    5.  Borrow FAQS
+*   Request for support
+    1.  Raise a complaint
+    2.  View Complaint status
+    3.  Give us Feedback
+*   Change or reset your Eva PIN
+*   Stay informed:
+    1.  View facts about COVID-19
+    2.  Learn interesting facts about Equity
+
+[Q4How do I link my Equity account on Eva?](https://equitygroupholdings.com/ke/#faq4)
+
+*   Type "hello" to start conversation with Eva, on any of your preferred social media platform
+*   Eva will respond with privacy policy and Terms and conditions
+*   Read through and reply with "Accept"
+*   Eva will display a list of services, kindly select one
+*   Eva will inquire if you have an existing Equity bank account
+*   Follow the steps provided and your account will be linked to Eva
+
+[Q5Do I have to pay to use EVA?](https://equitygroupholdings.com/ke/#faq5)
+
+No, EVA chatbot is a free service to all Equity Bank customers.
+
+[Q6Is EVA services available 24 Hours ?](https://equitygroupholdings.com/ke/#faq6)
+
+Yes, Eva e is available 24 hours a day, 7 days a week.
+
+[Q7Can dormant accounts be linked on Eva?](https://equitygroupholdings.com/ke/#faq7)
+
+No, only active personal accounts are supported on Eva.
+
+[Q8Can I choose not to register on EVA?](https://equitygroupholdings.com/ke/#faq8)
+
+Yes. If you want to request for support or get answers to FAQs, you don’t have to register on EVA
+
+[Q9What languages does Eva support?](https://equitygroupholdings.com/ke/#faq9)
+
+EVA currently supports British English and can understand phrases or greetings in common slang.
+
+While Eva’s vocabulary is constantly growing to accommodate and recognize more common phrases, soon other languages used across Equity bank subsidiaries such as French and Swahili will be supported.
+
+[Q10Can I link multiple Equity bank accounts with Eva and transact from them?](https://equitygroupholdings.com/ke/#faq10)
+
+Yes you can link all your personal accounts on EVA and transact
+Identify and extract tables, handling multiple tables and nested structures.

ensemble.py

@@ -0,0 +1,49 @@
+import os
+
+from langchain_community.retrievers import BM25Retriever, TavilySearchAPIRetriever
+from langchain.retrievers import EnsembleRetriever
+from langchain_core.output_parsers import StrOutputParser
+
+from basic_chain import get_model
+from rag_chain import make_rag_chain
+from remote_loader import load_web_page
+from splitter import split_documents
+from vector_store import create_vector_db
+from dotenv import load_dotenv
+
+
+def ensemble_retriever_from_docs(docs, embeddings=None):
+    texts = split_documents(docs)
+    vs = create_vector_db(texts, embeddings)
+    vs_retriever = vs.as_retriever()
+
+    bm25_retriever = BM25Retriever.from_texts([t.page_content for t in texts])
+
+    # tavily_retriever = TavilySearchAPIRetriever(k=3, include_domains=['https://ilibrary.ru/text/107'])
+    tavily_retriever = TavilySearchAPIRetriever(k=3, include_domains=['https://equitygroupholdings.com'])
+
+    ensemble_retriever = EnsembleRetriever(
+        retrievers=[bm25_retriever, vs_retriever, tavily_retriever],
+        weights=[0.5, 0.5, 0.5])
+
+    return ensemble_retriever
+
+
+def main():
+    load_dotenv()
+
+    problems_of_philosophy_by_russell = "https://www.gutenberg.org/ebooks/5827.html.images"
+    docs = load_web_page(problems_of_philosophy_by_russell)
+    ensemble_retriever = ensemble_retriever_from_docs(docs)
+    model = get_model("ChatGPT")
+    chain = make_rag_chain(model, ensemble_retriever) | StrOutputParser()
+
+    result = chain.invoke("What are the key problems of philosophy according to Russell?")
+    print(result)
+
+
+if __name__ == "__main__":
+    # this is to quite parallel tokenizers warning.
+    os.environ["TOKENIZERS_PARALLELISM"] = "false"
+    main()
+

filter.py

@@ -0,0 +1,53 @@
+from langchain.retrievers.document_compressors import DocumentCompressorPipeline
+from langchain_community.document_transformers import EmbeddingsRedundantFilter, LongContextReorder
+from langchain_community.embeddings import HuggingFaceBgeEmbeddings, HuggingFaceEmbeddings
+from langchain.retrievers import EnsembleRetriever, ContextualCompressionRetriever, MergerRetriever
+from langchain.chains import RetrievalQA
+
+from basic_chain import get_model
+from ensemble import ensemble_retriever_from_docs
+from remote_loader import load_web_page
+from vector_store import create_vector_db
+
+from dotenv import load_dotenv
+
+
+def create_retriever(texts):
+    dense_embeddings = HuggingFaceEmbeddings(model_name="all-MiniLM-L6-v2", model_kwargs={
++           "trust_remote_code": True
+        })
+    sparse_embeddings = HuggingFaceBgeEmbeddings(model_name="BAAI/bge-large-en",
+                                                 encode_kwargs={'normalize_embeddings': False, "trust_remote_code": True})
+    dense_vs = create_vector_db(texts, collection_name="dense", embeddings=dense_embeddings)
+    sparse_vs = create_vector_db(texts, collection_name="sparse", embeddings=sparse_embeddings)
+    vector_stores = [dense_vs, sparse_vs]
+
+    emb_filter = EmbeddingsRedundantFilter(embeddings=sparse_embeddings)
+    reordering = LongContextReorder()
+    pipeline = DocumentCompressorPipeline(transformers=[emb_filter, reordering])
+
+    base_retrievers = [vs.as_retriever() for vs in vector_stores]
+    lotr = MergerRetriever(retrievers=base_retrievers)
+
+    compression_retriever_reordered = ContextualCompressionRetriever(
+        base_compressor=pipeline, base_retriever=lotr, search_kwargs={"k": 5, "include_metadata": True}
+    )
+    return compression_retriever_reordered
+
+
+def main():
+    load_dotenv()
+
+    problems_of_philosophy_by_russell = "https://www.gutenberg.org/ebooks/5827.html.images"
+
+    docs = load_web_page(problems_of_philosophy_by_russell)
+    ensemble_retriever = ensemble_retriever_from_docs(docs)
+    llm = get_model()
+    qa = RetrievalQA.from_chain_type(llm=llm, chain_type='stuff', retriever=ensemble_retriever)
+
+    results = qa.invoke("What are the key problems of philosophy according to Russell?")
+    print(results)
+
+
+if __name__ == "__main__":
+    main()

full_chain.py

@@ -0,0 +1,88 @@
+import os
+import logging
+
+from dotenv import load_dotenv
+from langchain.memory import ChatMessageHistory
+from langchain_core.prompts import ChatPromptTemplate
+
+from basic_chain import get_model
+from filter import ensemble_retriever_from_docs
+from local_loader import load_data_files
+from memory import create_memory_chain
+from rag_chain import make_rag_chain
+
+# Configure logging 
+logging.basicConfig(level=logging.INFO, format='%(asctime)s - %(levelname)s - %(message)s')
+
+def create_full_chain(retriever, openai_api_key=None):
+    # try:
+    model = get_model("ChatGPT", openai_api_key=openai_api_key)
+    system_prompt = """You are a helpful and knowledgeable financial consultant. 
+    Use the provided context from Equity Bank's products and services to answer the user's questions. 
+    If you cannot find an answer in the context, inform the user that you need more information or that the question is outside your expertise. 
+
+    Context: {context}
+
+    Question: """
+
+    prompt = ChatPromptTemplate.from_messages(
+        [
+            ("system", system_prompt),
+            ("human", "{question}"),
+        ]
+    )
+
+    rag_chain = make_rag_chain(model, retriever, rag_prompt=prompt)
+    chain = create_memory_chain(model, rag_chain)
+    return chain
+    # except Exception as e:
+    #     logging.error(f"Error creating full chain: {e}")
+    #     # Handle the error:
+    #     # - You could return a simpler chain or a default response
+    #     # - Raise an exception to stop execution
+
+
+def ask_question(chain, query, session_id):
+    # try:
+    logging.info(f"Send request: {query}")
+    response = chain.invoke(
+        {"question": query},
+        config={"configurable": {"session_id": session_id}}
+    )
+    return response
+    # except Exception as e:
+    #     logging.error(f"Error asking question: {e}")
+    #     # Handle the error, e.g., return an error message
+    #     return "Sorry, there was an error processing your request."
+
+
+def main():
+    load_dotenv()
+
+    from rich.console import Console
+    from rich.markdown import Markdown
+    console = Console()
+
+    try:
+        docs = load_data_files()
+        ensemble_retriever = ensemble_retriever_from_docs(docs)
+        chain = create_full_chain(ensemble_retriever)
+
+        queries = [ 
+            "What are the benefits of opening an Equity Ordinary Account?",
+            "What are the interest rates for a home loan at Equity Bank?",
+            "Can you compare the Equity Gold Credit Card to the Classic Credit Card?",
+            "How much does it cost to send money to an M-Pesa account using Equity Mobile Banking?",
+        ]
+
+        for query in queries:
+            response = ask_question(chain, query)
+            console.print(Markdown(response.content))
+
+    except Exception as e:
+        logging.error(f"Error in main function: {e}")
+
+if __name__ == '__main__':
+    # this is to quiet parallel tokenizers warning.
+    os.environ["TOKENIZERS_PARALLELISM"] = "false"
+    main()

gradio_app.py

@@ -0,0 +1,214 @@
+import os
+import streamlit as st
+import logging
+from langchain_community.chat_message_histories import StreamlitChatMessageHistory
+from langchain_community.embeddings import OpenAIEmbeddings, HuggingFaceEmbeddings
+from langchain_community.retrievers import BM25Retriever
+
+from ensemble import ensemble_retriever_from_docs
+from full_chain import create_full_chain, ask_question
+from local_loader import load_data_files, load_file
+from vector_store import EmbeddingProxy 
+from memory import clean_session_history
+from pathlib import Path
+
+import gradio as gr
+from langchain.chat_models import ChatOpenAI
+from langchain.schema import AIMessage, HumanMessage
+
+
+# Configure logging
+logging.basicConfig(level=logging.INFO, format='%(asctime)s - %(levelname)s - %(message)s')
+
+def show_ui(message, history, request: gr.Request):
+    """
+    Displays the Streamlit chat UI and handles user interactions.
+
+    Args:
+        qa: The LangChain chain for question answering.
+        prompt_to_user: The initial prompt to display to the user.
+    """
+    global chain
+    session_id = request.session_hash
+    response = ask_question(chain, message, session_id)
+    # logging.info(f"Response: {response}")
+    return response.content
+
+
+def get_retriever(openai_api_key=None):
+    """
+    Creates and caches the document retriever.
+
+    Args:
+        openai_api_key: The OpenAI API key.
+
+    Returns:
+        An ensemble document retriever.
+    """
+    try:
+        docs = load_data_files(data_dir="data")  
+        # embeddings = OpenAIEmbeddings(openai_api_key=openai_api_key, model="text-embedding-3-small")
+        embeddings = HuggingFaceEmbeddings()
+        return ensemble_retriever_from_docs(docs, embeddings=embeddings)
+    except Exception as e:
+        logging.error(f"Error creating retriever: {e}")
+        logging.exception(f"message")
+        st.error("Error initializing the application. Please check the logs.")
+        st.stop()  # Stop execution if retriever creation fails
+
+
+def get_chain(openai_api_key=None, huggingfacehub_api_token=None):
+    """
+    Creates the question answering chain.
+
+    Args:
+        openai_api_key: The OpenAI API key.
+        huggingfacehub_api_token: The Hugging Face Hub API token.
+
+    Returns:
+        A LangChain question answering chain.
+    """
+    try:
+        ensemble_retriever = get_retriever(openai_api_key=openai_api_key)
+        chain = create_full_chain(
+            ensemble_retriever,
+            openai_api_key=openai_api_key,
+        )
+        return ensemble_retriever, chain
+    except Exception as e:
+        logging.error(f"Error creating chain: {e}")
+        logging.exception(f"message")
+        st.error("Error initializing the application. Please check the logs.")
+        st.stop()  # Stop execution if chain creation fails
+
+def get_secret_or_input(secret_key, secret_name, info_link=None):
+    """
+    Retrieves a secret from Streamlit secrets or prompts the user for input.
+
+    Args:
+        secret_key: The key of the secret in Streamlit secrets.
+        secret_name: The user-friendly name of the secret.
+        info_link: An optional link to provide information about the secret.
+
+    Returns:
+        The secret value.
+    """
+    if secret_key in st.secrets:
+        st.write("Found %s secret" % secret_key)
+        secret_value = st.secrets[secret_key]
+    else:
+        st.write(f"Please provide your {secret_name}")
+        secret_value = st.text_input(secret_name, key=f"input_{secret_key}", type="password")
+        if secret_value:
+            st.session_state[secret_key] = secret_value
+        if info_link:
+            st.markdown(f"[Get an {secret_name}]({info_link})")
+    return secret_value
+
+def process_uploaded_file(uploaded_file, openai_api_key=None):
+    """
+    Processes the uploaded file and adds it to the vector database.
+
+    Args:
+        uploaded_file: The uploaded file object from Streamlit.
+        openai_api_key: The OpenAI API key for embedding generation.
+    """
+    # try:
+    if uploaded_file is not None:
+        logging.info(f'run upload {uploaded_file}')
+
+        if isinstance(uploaded_file, str):
+            filename = uploaded_file
+        else:
+            filename = str(uploaded_file.name)
+
+        # Load the document using the saved file path
+        docs = load_file(Path(filename))
+
+        global ensemble_retriever
+        global chain
+
+        all_docs = ensemble_retriever.retrievers[0].docs
+        all_docs.extend(docs)
+
+        ensemble_retriever.retrievers[1].add_documents(docs)
+
+        new_bm25 = BM25Retriever.from_texts([t.page_content for t in all_docs])
+
+        ensemble_retriever.retrievers[0] = new_bm25
+
+        chain = create_full_chain(
+            ensemble_retriever,
+            openai_api_key=openai_api_key,
+        )
+
+        logging.info("File uploaded and added to the knowledge base!")
+        gr.Info('File uploaded and added to the knowledge base!', duration=3)
+    
+    return None
+        
+    # except Exception as e:
+    #     logging.error(f"Error processing uploaded file: {e}")
+    #     st.error("Error processing the file. Please check the logs.")
+
+SUPPORTED_FORMATS = ['.txt']
+
+def activate():
+    return gr.update(interactive=True)
+
+def deactivate():
+    return gr.update(interactive=False)
+
+def reset(z, request: gr.Request):
+    session_id = request.session_hash
+    clean_session_history(session_id)
+    return [], []
+
+def main():
+    with gr.Blocks() as demo:
+        with gr.Row(variant="panel"):
+            with gr.Column(scale=5):
+                clean_btn = gr.Button(value="Clean history", variant="secondary", size='sm', render=False)
+                bot = gr.Chatbot(elem_id="chatbot", render=False)
+
+                chat = gr.ChatInterface(
+                    show_ui,
+                    chatbot=bot,
+                    undo_btn=None,
+                    retry_btn=None,
+                    clear_btn=clean_btn,
+                    
+                )
+            with gr.Column(scale=2):
+                file_input = gr.File(
+                    label=f'{", ".join([str(f) for f in SUPPORTED_FORMATS])}',
+                    file_types=SUPPORTED_FORMATS,
+                )
+                submit_btn = gr.Button(value="Index file", variant="primary", interactive=False)
+
+        clean_btn.click(fn=reset, inputs=clean_btn, outputs=[bot, chat.chatbot_state])
+
+        submit_btn.click(
+                fn=process_uploaded_file,
+                inputs=file_input,
+                outputs=file_input,
+                api_name="Index file"
+            )
+        
+        file_input.upload(fn=activate, outputs=[submit_btn])
+        file_input.clear(fn=deactivate, outputs=[submit_btn])
+
+    demo.launch(share=True)
+
+open_api_key = os.getenv('OPEN_API_KEY')
+# os.environ["TAVILY_API_KEY"] = os.getenv('TAVILY_API_KEY')
+
+ensemble_retriever, chain = get_chain(
+    openai_api_key=open_api_key,
+    huggingfacehub_api_token=None
+)
+
+
+
+if __name__ == "__main__":
+    main()

local_loader.py

@@ -0,0 +1,76 @@
+import os
+import json
+from pathlib import Path
+
+from pypdf import PdfReader
+from langchain.docstore.document import Document
+from langchain_community.document_loaders import TextLoader, CSVLoader, PyPDFLoader
+from langchain_community.document_loaders.excel import UnstructuredExcelLoader
+
+def load_file(filepath):
+# try:
+    print(f"Loading {filepath}")
+    if filepath.suffix == '.txt':
+        loader = TextLoader(str(filepath))
+        return loader.load()
+    elif filepath.suffix == '.csv':
+        loader = CSVLoader(file_path=str(filepath))
+        return loader.load()
+    elif filepath.suffix == '.pdf':
+        loader = PyPDFLoader(str(filepath))
+        return loader.load()
+    elif filepath.suffix == '.md':
+        # Load Markdown file as a Document using TextLoader
+        loader = TextLoader(str(filepath))  
+        return loader.load()
+    elif filepath.suffix == '.xls' or filepath.suffix == '.xlsx':
+        loader = UnstructuredExcelLoader(str(filepath))
+        return loader.load()
+    elif filepath.suffix == '.json':
+        with open(filepath) as f:
+            json_data = json.load(f)
+        if isinstance(json_data, list):  # Handle list of dictionaries
+            for item in json_data:
+                content = "\n".join([f"{k}: {v}" for k, v in item.items()])
+                return [Document(page_content=content, metadata={'source': str(filepath)})]
+        elif isinstance(json_data, dict):  # Handle nested dictionaries
+            content = ""
+            for key, value in json_data.items():
+                content += f"**{key}**\n\n"
+                if isinstance(value, list):
+                    for item in value:
+                        if isinstance(item, dict):
+                            content += "\n".join([f"{k}: {v}" for k, v in item.items()]) + "\n\n"
+                        else:
+                            content += str(item) + "\n\n"
+                else:
+                    content += str(value) + "\n\n"
+            return [Document(page_content=content, metadata={'source': str(filepath)})]
+        else:
+            print(f"Unsupported JSON structure in {filepath}")
+    else:
+        print(f"Unsupported file type: {filepath}")
+# except Exception as e:
+#     print(f"Error loading {filepath}: {e}")
+
+def load_data_files(data_dir):
+    """
+    Loads all data files from the specified directory, handling various file types.
+
+    Args:
+        data_dir: The directory containing the data files.
+
+    Returns:
+        A list of Document objects, each representing a loaded document.
+    """
+    docs = []
+    for filepath in Path(data_dir).glob('**/*.*'):
+        docs.extend(load_file(filepath))
+    return docs
+
+
+if __name__ == "__main__":
+    # Test with files in the 'examples' directory
+    docs = load_data_files("examples")
+    for doc in docs:
+        print(doc)

memory.py

@@ -0,0 +1,114 @@
+import os
+from typing import List, Iterable, Any
+
+from dotenv import load_dotenv
+from langchain.memory import ChatMessageHistory
+from langchain_core.callbacks import CallbackManagerForRetrieverRun
+from langchain_core.chat_history import BaseChatMessageHistory
+from langchain_core.documents import Document
+from langchain_core.output_parsers import StrOutputParser
+from langchain_core.prompts import ChatPromptTemplate, MessagesPlaceholder
+from langchain_core.retrievers import BaseRetriever
+from langchain_core.runnables.history import RunnableWithMessageHistory
+
+from basic_chain import get_model
+from rag_chain import make_rag_chain
+import logging
+
+store = {}
+
+import json
+
+def create_memory_chain(llm, base_chain):
+    contextualize_q_system_prompt = """Given a chat history and the latest user question \
+        which might reference context in the chat history, formulate a standalone question \
+        which can be understood without the chat history. Do NOT answer the question, \
+        just reformulate it if needed and otherwise return it as is."""
+
+    contextualize_q_prompt = ChatPromptTemplate.from_messages(
+        [
+            ("system", contextualize_q_system_prompt),
+            MessagesPlaceholder(variable_name="chat_history"),
+            ("human", "{question}"),
+        ]
+    )
+
+    runnable = contextualize_q_prompt | llm | base_chain
+
+    def get_session_history(session_id: str) -> BaseChatMessageHistory:
+        if session_id not in store:
+            store[session_id] = ChatMessageHistory()
+
+        logging.info(str(store))
+
+        return store[session_id]
+
+    with_message_history = RunnableWithMessageHistory(
+        runnable,
+        get_session_history,
+        input_messages_key="question",
+        history_messages_key="chat_history",
+    )
+    return with_message_history
+
+def clean_session_history(session_id):
+    global store
+    store[session_id] = ChatMessageHistory()
+
+
+class SimpleTextRetriever(BaseRetriever):
+    docs: List[Document]
+    """Documents."""
+
+    @classmethod
+    def from_texts(
+            cls,
+            texts: Iterable[str],
+            **kwargs: Any,
+    ):
+        docs = [Document(page_content=t) for t in texts]
+        return cls(docs=docs, **kwargs)
+
+    def _get_relevant_documents(
+            self, query: str, *, run_manager: CallbackManagerForRetrieverRun
+    ) -> List[Document]:
+        return self.docs
+
+
+def main():
+    load_dotenv()
+    model = get_model("ChatGPT")
+    chat_memory = ChatMessageHistory()
+
+    system_prompt = "You are a helpful AI assistant for busy professionals trying to improve their health."
+    prompt = ChatPromptTemplate.from_messages(
+        [
+            ("system", system_prompt),
+            MessagesPlaceholder(variable_name="chat_history"),
+            ("human", "{question}"),
+        ]
+    )
+
+    text_path = "examples/equity_faq.txt"  # Updated path
+    text = open(text_path, "r").read()
+    retriever = SimpleTextRetriever.from_texts([text])
+    rag_chain = make_rag_chain(model, retriever, rag_prompt=None)
+    chain = create_memory_chain(model, rag_chain, chat_memory) | StrOutputParser()
+    queries = [
+        "What do I need to get from the grocery store besides milk?",
+        "Which of these items can I find at a farmer's market?",
+    ]
+
+    for query in queries:
+        print(f"\nQuestion: {query}")
+        response = chain.invoke(
+            {"question": query},
+            config={"configurable": {"session_id": "foo"}}
+        )
+        print(f"Answer: {response}")
+
+
+if __name__ == "__main__":
+    # this is to quite parallel tokenizers warning.
+    os.environ["TOKENIZERS_PARALLELISM"] = "false"
+    main()

rag_chain.py

@@ -0,0 +1,90 @@
+import os
+
+from dotenv import load_dotenv
+from langchain import hub
+from langchain_core.output_parsers import StrOutputParser
+from langchain_core.prompts import ChatPromptTemplate
+from langchain_core.runnables import RunnablePassthrough, RunnableLambda
+from langchain_core.messages.base import BaseMessage
+
+from basic_chain import basic_chain, get_model
+from remote_loader import load_wiki_articles # updated import
+from splitter import split_documents
+from vector_store import create_vector_db
+
+
+def find_similar(vs, query):
+    docs = vs.similarity_search(query)
+    return docs
+
+
+def format_docs(docs):
+    return "\n\n".join(doc.page_content for doc in docs)
+
+
+def get_question(input):
+    if not input:
+        return None
+    elif isinstance(input,str):
+        return input
+    elif isinstance(input,dict) and 'question' in input:
+        return input['question']
+    elif isinstance(input,BaseMessage):
+        return input.content
+    else:
+        raise Exception("string or dict with 'question' key expected as RAG chain input.")
+
+
+def make_rag_chain(model, retriever, rag_prompt = None):
+    # We will use a prompt template from langchain hub.
+    if not rag_prompt:
+        rag_prompt = hub.pull("rlm/rag-prompt")
+
+    # And we will use the LangChain RunnablePassthrough to add some custom processing into our chain.
+    rag_chain = (
+            {
+                "context": RunnableLambda(get_question) | retriever | format_docs,
+                "question": RunnablePassthrough()
+            }
+            | rag_prompt
+            | model
+    )
+
+    return rag_chain
+
+
+def main():
+    load_dotenv()
+    model = get_model("ChatGPT")
+    docs = load_wiki_articles(query="Bertrand Russell", load_max_docs=5) # Updated 
+    texts = split_documents(docs)
+    vs = create_vector_db(texts)
+
+    prompt = ChatPromptTemplate.from_messages([
+        ("system", "You are a professor who teaches philosophical concepts to beginners."),
+        ("user", "{input}")
+    ])
+    # Besides similarly search, you can also use maximal marginal relevance (MMR) for selecting results.
+    # retriever = vs.as_retriever(search_type="mmr")
+    retriever = vs.as_retriever()
+
+    output_parser = StrOutputParser()
+    chain = basic_chain(model, prompt)
+    base_chain = chain | output_parser
+    rag_chain = make_rag_chain(model, retriever) | output_parser
+
+    questions = [
+        "What were the most important contributions of Bertrand Russell to philosophy?",
+        "What was the first book Bertrand Russell published?",
+        "What was most notable about \"An Essay on the Foundations of Geometry\"?",
+    ]
+    for q in questions:
+        print("\n--- QUESTION: ", q)
+        print("* BASE:\n", base_chain.invoke({"input": q}))
+        print("* RAG:\n", rag_chain.invoke(q))
+
+
+if __name__ == '__main__':
+    # this is to quite parallel tokenizers warning.
+    os.environ["TOKENIZERS_PARALLELISM"] = "false"
+    main()

remote_loader.py

@@ -0,0 +1,44 @@
+import os
+
+from langchain_community.document_loaders import WebBaseLoader, WikipediaLoader, OnlinePDFLoader
+from langchain.docstore.document import Document
+import requests
+
+CONTENT_DIR = os.path.dirname(__file__)
+
+def load_web_page(page_url):
+    """Loads a web page and returns a list of Document objects."""
+    try:
+        loader = WebBaseLoader(page_url)
+        return loader.load()
+    except requests.exceptions.RequestException as e:
+        print(f"Error loading web page from {page_url}: {e}")
+        return []
+
+def load_online_pdf(pdf_url):
+    """Loads an online PDF and returns a list of Document objects."""
+    try:
+        loader = OnlinePDFLoader(pdf_url)
+        return loader.load()
+    except Exception as e:
+        print(f"Error loading online PDF from {pdf_url}: {e}")
+        return []
+
+def load_wiki_articles(query, load_max_docs=2):
+    """Fetches Wikipedia articles related to a query and returns a list of Document objects."""
+    try:
+        wiki_loader = WikipediaLoader(query=query, load_max_docs=load_max_docs)
+        return wiki_loader.load()
+    except Exception as e:
+        print(f"Error loading Wikipedia articles for query '{query}': {e}")
+        return []
+
+if __name__ == "__main__":
+    # Example usage:
+    web_page_url = "https://equitygroupholdings.com/ke/open-an-account/ordinary-account"
+    web_page_docs = load_web_page(web_page_url)
+    print(f"Loaded {len(web_page_docs)} documents from {web_page_url}")
+
+    pdf_url = "https://equitygroupholdings.com/wp-content/uploads/2023/06/Equity-Group-Holdings-PLC-2022-Integrated-Report-and-Financial-Statements.pdf"
+    pdf_docs = load_online_pdf(pdf_url)
+    print(f"Loaded {len(pdf_docs)} documents from {pdf_url}")

requirements.txt

@@ -0,0 +1,11 @@
+chromadb
+huggingface-hub
+langchain
+langchain-community
+langchain-openai
+sentence-transformers
+streamlit
+gradio
+pypdf
+rank_bm25
+tavily-python

splitter.py

@@ -0,0 +1,20 @@
+# Split documents into chunks
+from langchain.text_splitter import RecursiveCharacterTextSplitter
+from langchain.docstore.document import Document
+
+
+def split_documents(docs):
+    text_splitter = RecursiveCharacterTextSplitter(
+        chunk_size=1000,
+        chunk_overlap=0,
+        length_function=len,
+        is_separator_regex=False)
+
+    contents = docs
+    if docs and isinstance(docs[0], Document):
+        contents = [doc.page_content for doc in docs]
+
+    texts = text_splitter.create_documents(contents)
+    n_chunks = len(texts)
+    print(f"Split into {n_chunks} chunks")
+    return texts

vector_store.py

@@ -0,0 +1,81 @@
+import logging
+import os
+from typing import List
+import shutil
+
+# from langchain_openai import OpenAIEmbeddings
+from langchain_community.embeddings import HuggingFaceEmbeddings
+from langchain_community.vectorstores import Chroma
+from local_loader import load_data_files
+from splitter import split_documents
+from dotenv import load_dotenv
+from time import sleep
+
+EMBED_DELAY = 0.02  # 20 milliseconds
+
+
+# This is to get the Streamlit app to use less CPU while embedding documents into Chromadb.
+class EmbeddingProxy:
+    def __init__(self, embedding):
+        self.embedding = embedding
+
+    def embed_documents(self, texts: List[str]) -> List[List[float]]:
+        sleep(EMBED_DELAY)
+        return self.embedding.embed_documents(texts)
+
+    def embed_query(self, text: str) -> List[float]:
+        sleep(EMBED_DELAY)
+        return self.embedding.embed_query(text)
+
+
+# This happens all at once, not ideal for large datasets.
+def create_vector_db(texts, embeddings=None, collection_name="chroma"):
+    if not texts:
+        logging.warning("Empty texts passed in to create vector database")
+    # Select embeddings
+    if not embeddings:
+        openai_api_key = os.environ["OPENAI_API_KEY"]
+        # embeddings = OpenAIEmbeddings(openai_api_key=openai_api_key, model="text-embedding-3-small")
+        embeddings = HuggingFaceEmbeddings()
+
+    proxy_embeddings = EmbeddingProxy(embeddings)
+
+    persist_directory = os.path.join("store/", collection_name)
+    if os.path.exists(persist_directory):
+        shutil.rmtree(persist_directory)
+
+    db = Chroma(collection_name=collection_name,
+                embedding_function=proxy_embeddings,
+                persist_directory=persist_directory)
+    try:
+        db.add_documents(texts)
+    except Exception as e:
+        logging.error(f"Error adding documents to Chroma: {e}")
+        # You might want to handle the error more specifically here, 
+        # such as retrying or returning an error indicator.
+    return db
+
+
+def find_similar(vs, query):
+    docs = vs.similarity_search(query)
+    return docs
+
+
+def main():
+    load_dotenv()
+    docs = load_data_files(data_dir="data")  # Load data from your 'data' folder
+    texts = split_documents(docs)
+    vs = create_vector_db(texts)
+
+    # Use a relevant query from your financial domain
+    results = find_similar(vs, query="What are the fees for an Equity Ordinary Account?")
+    MAX_CHARS = 300
+    print("=== Results ===")
+    for i, text in enumerate(results):
+        content = text.page_content
+        n = max(content.find(' ', MAX_CHARS), MAX_CHARS)
+        content = text.page_content[:n]
+        print(f"Result {i + 1}:\n {content}\n")
+
+if __name__ == "__main__":
+    main()