"HeadStart" memberships have been designed for teenage youth from 13 to 17 years of age and introduces this age group to the areas of Chequing and technology. Casera Credit Union Limited will also provide "HeadStart" members with an initial order of personalized cheques at no charge.

"HeadStart" Accounts, in addition to retaining the account-related features available to Fat Cat Accounts, are expanded to include:

• interest is calculated on the closing daily balance
• interest is paid on the last calendar date of each month
• no minimum balance requirement
• reduced account-related charges
• term deposits are available with a minimum $100 deposit
• statements are mailed monthly if Chequing is utilized and quarterly otherwise
• participation in the Member Common Share Subscription Plan is deferred
• MemberCard for automated teller machine and Direct Payment transactions
• 24 hour account access available through CU@HOME by Phone