| Message From the President
We encourage you to think about a Christmas Club Account and this year when so many of us are faced with a shortage of cash during the holiday season, the money saved today will be available.
Our Vacation Club Account is another winning program that can brighten even the dreariest of days. Think about the snow and cold of winter and using the savings from a Vacation Club Account to get away from it all to a warm and sunny place.
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Gloria J. Larko
President
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