CHRISTMAS CLUB ACCOUNT

This account allows you to save up for those Christmas gifts all year long. Deposits can be made at any time during the year. Withdrawals may be made without a penalty from November 15 through December 31 of each year.

A minimum opening balance of $25.00 is required. Quarterly statements are provided for your convenience.

Payroll deduction or automatic transfer from your regular savings or checking account helps build this account painlessly.