An overview of Langley FCU's savings program for low-income savers.

1. Brett T. Noll Senior VP/Chief Marketing Officer

4. The change to an ‘Upside Down’ savings account: Example of this dividend structure: If you have $3,000 on deposit, you'll earn the Tier 1 APY on the first $500, the Tier 2 APY on the next $2,000 (the amount greater than $500 but not exceeding $2,500), and the Tier 3 APY on the remaining amount (the amount greater than $2,500). >$2,500 2.00% 2.02% Tier 3 * Annual Percentage Yield (APY). ** The dividend rate and annual percentage yield are the prospective rates and yields that the credit union anticipates paying for the applicable period. The dividend rate may change after the account is opened. >$500-$2,500 3.00% 3.03% Tier 2 $0-$500 5.00% 5.10% Tier 1 Minimum to Earn APY* Dividend Rate** APY** Tier Langley Saves Minimum to open: $5

9. Thank You!