Thanks to your support, Capital City Savings enjoyed another successful year in 2002.  As a member-owner, you share in the success of our credit union and receive a share of the profits.

Capital City Savings paid over $5.2 million in dividends to members this year. The total member dividend payment for 2002 is comprised of:

Profit$hare Dividends	$3,520,000
Investment Share Dividends	$820,000
Common Share Dividends	$890,000
Total	$5,230,000

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 in your account in November 2002.  The more business you do with Capital City Savings the more profits you earn.

The following table illustrates 3 average members' share in the profits in 2002 based on the amount of business they have with Capital City Savings:

Average Balance	Profit$hare
Member 1 $100,000 mortgage $20,000 RRSP $5,000 savings $1,000 chequing	$157.50
Member 2 $15,000 personal loan $20,000 RRIF $500 savings $1,000 chequing	$45.63
Member 3 $5,000 personal loan $1,000 savings $500 chequing	$8.13