This is a system within the Moderna app designed for anyone who wants to save money regardless of their purchasing power, age or goals. Objective: To motivate users to save constantly and achieve certain goals within a set time frame, creating incentives and bonuses according to the stage they are in. Each stage has motivational content such as advice or verses when a new goal is achieved.

Mechanism: Periodically invest a certain percentage of money based on your principal capital in "Arboleda" (meaning "grove" in Spanish), and an animated plant will grow (and level up) if you meet the requirements of each stage.

To start: To begin growing your plant, you must obtain seeds to plant, which have a value of $20.00 USD (a one-time payment). This amount includes the $5.00 account opening fee. The next step is to make your first "investment".For more information, download our practical guide to learn all the benefits and conditions of this service at the following link.

Your contribution account grants you the privilege of being part of the Modern Cooperative family, allowing you to access and enjoy all the benefits that, as a member, are deposited as an obligation.

· It is the account considered as collateral for loans.

· It is taken into account for the number of times to lend.

· It allows access to all the benefits that the Cooperative offers.

· It is required that the balance in this account be $7.00 USD each month.

Requirements for Members.

• Submit a written application for admission addressed to the Board of Directors, in the format provided by the Cooperative for this purpose.

• Photo of ID.

• Your SSN.

• Be willing to contribute monthly, at least, the minimum contribution established by the statutes of MODERNA credit union.

• Pay the value of $5.00 USD as an entrance, which will not be refundable. This account gives the privilege of being affiliated with MODERNA credit union, which allows access to all our benefits, and consists of the amounts that members deposit as a statutory obligation.

‍This account is designed to improve the profitability of your savings. Modern Cooperative offers the most competitive interest rate compared to other cooperatives.

The different one-year fixed term options we offer are as follows:

‍This product is designed for people of all ages, dependent or independent workers, in public or private sectors, who wish to create and accumulate assets to enjoy a dignified retirement.

‍This type of savings allows members to deposit a certain amount of money periodically with the goal of financing a future trip. This money is not withdrawable until reaching the target amount. Upon reaching the target amount, Moderna will gift you one of these three options, according to your preference: Three nights at a hotel, One-way plane ticket, or three-day car rental.

‍This account allows members to withdraw money at any time. By saving with our Cooperative, our members' money grows constantly as it receives the best savings interest rate. It is aimed at active and retired members.

Benefits:

•    Very competitive interest rate.
•    Various savings plans.
•    Offshore services.
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Account Opening Requirements:

•    Fill out account opening application with beneficiary declaration
•    Photo of ID.
•    Your SSN.
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Conditions:

•     Minimum opening amount: $6.00 USD
•     Minimum account balance: $5.00 USD