1. GOLDEN HARVEST SAVINGS PLAN

2. A savings plan that enables you to: Save for a specific goal Save for a specific period of time Have funds to achieve your dreams It also has an insurance component that enables you to achieve your saving goal even if you die or become disabled before you reach your goal WHAT IS IT?

3. Identify a goal Buy a house Buy a car Go on a cruise Education for self or child Retirement Set your savings target HOW DOES IT WORK?

4. Set the timeframe to achieve your target – Between 1 and 10 years Sign the contract Start paying your monthly installments HOW DOES IT WORK?

5. The Credit Union insures the unsaved portion of your goal If you should die or become permanently disabled before you reach your goal, you or your beneficiary will get the total saving goal HOW DOES IT WORK?

6. Helps you climb the ladder to financial success It ensures your goal is met even if you are unable to save towards your goal because of death or permanent disability Insurance on the unsaved portion of your goal is at no direct cost to you.* * Conditions apply BENEFITS

7. Interest rate is 10% per annum No minimum savings goal No minimum monthly savings Maximum savings goal determined by the contract the credit union has with the insurers BENEFITS

8. IT’S TIME TO REALIZE YOUR DREAMS. OPEN YOUR GOLDEN HARVEST SAVINGS PLAN FIRST THING TOMORROW MORNING.