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Ill? TO $40,000 PERSONAL LOANS 17% GUARANTEED FOR 5 YEARS Average Effective Yield 0 Interest payments become less because you only pay on the outstanding balance. Make payments . . . Daily. . .or Weekly. . .or Monthly. Why borrow from A Credit Union? Because . . . It makes sense! . There is no penalty for early repayment of the loan. THE FEE FREE - RRSP EILOO CMMICLE, WEDNESDAY, FEBRUARY 19, 1 Registered Retirement Savings Plan DEPOSIT MUST BE MAINTAINED FOR FIVE YEARS t2jtttdliit Union OWNED BY THE PEOPLE OF WATERLOO CO'UNTY 3) RRSP LOAN? It you do not have the money on hand at the present time to invest in your RRSP Plan, why not arrange a loan with your Credit Union to make your deposit. - THIS YEAR WE HAVE TWO PLANS OF RRSP's 1) VARiABLE RATE PLAN 14% TI]? Per? rate is 1 " which is until March 1 5 2) FIXED TERM PLAN (GUARANTEED PLAN) This plan is comparable to the purchase of a Guaranteed Investment Certificate in that the interest rate is fixed at the time ot purchase. for the term purchased. 1 Year 16% 2 Years 16% 3 Years 16%% 4 Years 16V2% 5 Years 17% You Receive An AVERAGE EFFECTIVE YIELD of 23.8% . annual interest 17% per annum compounded The end of February 1 982 is coming and that is the last time you can contribute to or start a RRSP that may be used for your 1981 Income Tax. The Government offers a tax deduction program, why not take advantage of it. » mmAw Monday. Tuooday. 10:00 a.m.-5:00 pm. Wynn! Frida 10:00 a.m.-6:00 pm. 1982. This is the regular plan we tukiaG __. --' offering. It is relatively open and therefore can be transferred to the new Fixed Term Plan outtined below. A very important tactor here is the money is tied up for a specific period and may not be transterred or reduced prior to the due date. . OFFIC On a 5 Year Fixed Term Plan RRSP " "iub' Gmh'e. ATIONS A URS