Deposit Services – Non-Registered Investments

Helping you grow your savings

Short and long term investments with redeemable and non-redeemable options are an important part of an investor’s portfolio. They offer a higher rate than a conventional savings plan along with a guaranteed rate of return for those wanting interest income in a secure, guaranteed investment. Minimum deposit is $1000 except where noted.

The Credit Union guarantees to all depositors, repayment in full of all deposits through the Credit Union Deposit Guarantee Corporation.

· Short-Term – Non-redeemable terms between 30 to 364 days are available.

· Fixed – 1 to 5 year redeemable and non-redeemable terms are available.

· Money Market – For those wanting maximum return for a short term. Non-redeemable terms are available from 30 to 365 days. Minimum deposit is $100,000.00.

· Premium – 1 to 5 year term investments for those wanting a secure, guaranteed rate of return. Available only at specified times of the year.

· Priority Savings – Similar to a term deposit with a 6-month term, but no minimum deposit is required. Deposits can be made anytime. Interest is paid at the 90-day term rate and paid on maturity. Priority Savings is an excellent way to save for Christmas, RRSPs, vacation or taxes. To help you save, automatic transfers from your account can be set up (i.e. on paydays).

· BONUS BUILDER^® – 3 and 5 year non-redeemable term investments for those wanting a secure, guaranteed rate of return. The interest rate increases/steps up each year within the term. Only available at specified times during the year.

· Hooked To Prime – Non-redeemable 1 to 5 year guaranteed terms available. Interest rate is linked to changes in the prime interest rate. As prime rate changes, the annual interest rate is automatically adjusted. For individuals that want term deposit features but the flexibility of higher rates of interest as Prime Rate increases. Only available at specified times.

Index and Equity-Linked. Long-term investments designed for those attracted by the stock market but wanting a secure investment. Combines the potential of an unlimited rate of return with no risk to your principal as it is fully guaranteed. Selling periods, issue dates and maturities vary. Minimum deposit is $1000.

· MARKETFLEX^® Index-Linked Term Deposit - 3-year non-redeemable term. Return is based on the average monthly performance of the Canadian stock market (S&P / TSX 60^® Index). Click Here to view the MARKETFLEX brochure.

· PRAIRIES BASKET Equity-Linked Term Deposit – 5-year non-redeemable term. Contains 12 prairie companies, encompassing a wide variety of industries, ensuring economic diversification. Pays a return based on the performance of this basket of stocks, and is calculated using an average of monthly index returns, protecting it against sudden erratic declines. The stocks contained in the Prairies Basket are listed on the Toronto Stock Exchange.

· AMERICAN MARKET™ Index-Linked Term Deposit - 5-year non-redeemable US Large Cap linked to the S&P 500^® Index, with Monthly Average Valuation. Click Here to view the AMERICAN MARKET brochure.

· GLOBAL MARKET™ Index-Linked Term Deposit - 5-year non-redeemable term with Monthly Average Valuation, based on 3 indices: 1) NIKKEI 225; 2) Dow Jones EURO STOXX 50; 3) S&P 500. Click Here to view the GLOBAL MARKET brochure.

Select the following links for daily return information, current company composition and overviews of the process for re-weighting.

MARKETFLEX Index-Linked Term Deposit is linked to S&P/TSX60® Index: www.standardnandpoors.com

PRAIRIES BASKET Equity-Linked Term Deposit is linked to a basket of stocks listed on the Toronto Stock Exchange: www.tse.com

AMERICAN MARKET Index-Linked Term Deposit is linked to S&P500® Index: www.standardandpoors.com

GLOBAL MARKET Index-Linked Term Deposit is linked to Dow Jones Euro STOXX 50® Index, Nikkei Index and S&P500® Index: www.stoxx.com; www.nni.nikkei.co.jp; www.standardandpoors.com

· Canada Savings Bond and Saskatchewan Savings Bonds – May be purchased through our branches. Government guaranteed.

* Credit Union Deposit Guarantee Corporation guarantees to all depositors, repayment in full of all deposits in Saskatchewan credit unions. Your principal, in an index-linked term deposit is fully guaranteed. Because the return these deposits realize is linked to the performance of a stock market index, the return cannot be guaranteed until it has been deposited to the credit union.

“Standard & Poor’s®” and “S&P®” are trademarks of the McGraw-Hill Companies, Inc. “TSX” is a trademark of the Toronto Stock Exchange. These marks have been licensed for use by Credit Union Central of Saskatchewan. The Product(s) is/are not sponsored, endorsed, sold or promoted by Standard & Poor’s or the Toronto Stock Exchange and neither party makes any representation or warranty regarding the advisability of investing in the Product.