* Dividend rate is 4.50% annually for five years if and when dividends are declared. Declaration of dividends is not guaranteed and dividends are non-cumulative. Redemption of the Class B Investment Shares, Series 5 is subject to approval by DUCA’s Board of Directors and will be conducted on a first come, first served basis. Shares may not be redeemed until five years or more after the Issue Date, after which redemption is subject to an annual limit of 10% of Class B Investment Shares outstanding as of the previous year end. For more information about the redemption process, please refer to the FAQs available at www.duca.com. The Class B Investment Shares, Series 5 are not deposits and are not insured by the Deposit Insurance Reserve Fund (DIRF). Class B Investment Shares, Series 5 are available only by Offering Statement. This is not an Offering Statement. It is important that you review the Offering Statement for full details prior to purchase. Offer available only to DUCA Members. To become a Member and participate in this Offer, call 1.866.900.3822 or visit a DUCA branch.