Basic Programs

Investment AccountDividend Rate (a)Annual Percentage Yield (b)Minimum Balance For APYDividends Paid
Regular Shares0.05%0.05%$5.00Monthly
Youth Account (c)0.20%0.20%$5.00Monthly
Holiday Club0.25%0.25%$10.0011-01-16
Vacation Club0.25%0.25%$10.0005-01-17

All Term Share Certificates are subject to penalties for early withdrawal.

FOOTNOTES

(a) Dividend rate is calculated on a daily basis.
(b) Annual Percentage Yield based on dividends accumulating to account.
(c) Youth Account defined as being under 16 years of age.

Your deposits are insured to $250,000 PER ACCOUNT by American Share Insurance.  BY MEMBERS'S CHOICE,  THIS INSTITUTION IS NOT FEDERALLY INSURED and IF THE INSTITUTION FAILS, the FEDERAL GOVERNMENT DOES NOT GUARANTEE THAT DEPOSITORS WILL GET BACK THEIR MONEY.