depositsThese deposits may be used as collateral against borrowings from the Society and shall only be refunded when a member withdraws from membership and provided the member has fully repaid all his debts and is free from guarantee.

Non-withdrawable deposits shall be refundable within sixty days after receiving a written notification from the member. Interest on deposits shall be paid at a rate that shall be determined by the board at the end of the year after audit has been completed.