In any Term where money is won on a small scale in each draw, that money will be tallied and added to any previous winnings and divided equally amongst the paying members or applied  and deducted from the individuals cost for the next Term. There is a Credit Cut-Off date in each Term which means that all winnings will be totalled immediately following this draw date and members will be notified of their Credit and then they can determine whether to apply it to the next Term or carry it over into the next Term or take it if they are leaving the group. At this point we will start accumulating new Credit which will be designated as the next Terms Credit.

Term Credit Is Updated Every Couple Of Weeks In The Term