CHRISTMAS AND VACATION CLUB

Definition: A special purpose account offered to help customers  reach their Christmas and Vacation goals.

Features:	Benefits:
Deposits made at the teller window with a coupon	Convenience
Incentive payment	Encourages saving
Account paid out once a year by check	Convenience
Who is Eligible: Individuals	Opening Requirements: Minimum $5 opening deposit or first payment amount depending on denomination ($5, $10, $20)