I agree that the Amount of the Deduction listed below will be deposited into a Christmas Club Savings Account for my benefit. The amount deposited will earn dividends at the current effective rate offered by Highway Crossroads Credit Union and may change at the Credit Union’s discretion. I understand that I will be charged an early withdrawal fee of $30.00 if I make any withdrawals before the Christmas Club account matures in October of each year. By submitting the form below, I certify that I have read and agree to the Electronic Signature Terms.