As a member-owner of Capital City Savings, you are entitled to share in our profits each year in return for your support. This year Capital City Savings will pay $8.4 million in dividends to members. The total member dividend payment for 2005 is comprised of:

Profit$hare Dividends	$5,000,000
Investment Share Dividends	$2,286,000
Common Share Dividends	$1,150,000
Total	$8,436,000

Dividends are paid soon after the end of our financial year, which is October 31. Your share of our profits, in the form of dividends, was deposited to your account in December 2005. The more business you do with Capital City Savings the more profits you earn.

Since 1990 Capital City Savings has paid $68.9 million in dividends to member-owners.

The following table illustrates 3 average members' share in the profits in 2005 based on the amount of business they have with Capital City Savings:

Average Balance	ProfitShare
Member-Owner A $50 Common Shares MasterPlan Chequing Plan24 Car Loan Mortgage Your Profit$hare*

$1.25
$2.50
$6.25
$25.00
$250.00
$285.00

$1.25
$2.50
$6.25
$25.00
$250.00
$37.50
$125.00
$12.50
$460.00