CAR BUYING
3. Did you know that January and February are great months to buy a new car? Most people are busy paying off holiday bills the first two months of the year…not buying cars. So, car dealerships are often more willing to strike a better deal with you in January and February. Of course, you can get a great deal every month when it comes to financing your new vehicle with _____ Bank. In fact, right now, our new car loan rates are as low as ___% APR and you can finance your new vehicle up to ____ months. To put your new car loan in gear, ask for ___ when you come off hold.

CHECKING
4. Paper or plastic? Whatever your choice, you can enjoy convenient access to your money with a Free Checking Account and Debit Card from ________ Bank. With this service combination, you'll always have purchasing power right at hand--no matter where you live or travel. And, at _____ Bank, both services are free. Why pay more elsewhere? Paper and plastic!

CHRISTMAS CLUB
5. Did you feel as though you got hit over the head with a CLUB this past holiday season? Shocked by the unexpectedly high cost of buying gifts for your loved ones? Well, _____ Bank wants to give you a CLUB, -----Christmas Club, that is! By joining Christmas Club now and putting aside just a few dollars each payday, you'll have plenty of money on hand for Christmas 2012. Plus, you'll even earn dividends on your Club savings.

6. Thanks for your patience on hold. Someone will be right with you. Did you know January is National Soup Month? And you know what warms the soul like a piping hot bowl of soup on a cold winters day? The knowledge that your money couldn’t be more protected than it is here at _______ bank.

CREDIT CARDS
7. Did you know the first credit card, Diners Club, useable in multiple locations was issued to 200 customers and worked in only 27 restaurants in New York City. In contrast, ____ Bank’s MasterCard/VISA card is welcome in thousands of locations all over the world. Even better is an everyday rate of ___% fixed APR, a 25-day grace period on purchases, no late fees, no overlimit fees…no hanky panky. Why not start the 2012 New Year with a VISA/MasterCard from ____ bank?

HOME BANKING
8. You might think Galileo invented the telescope and you would be wrong. Hans Lipperhey invented the first telescope, which became binoculars for the Dutch government. Galileo was the first to point a telescope at the stars and not the enemy. A wonderful discovery like PC Banking. With PC or Home banking you can check account balances, transfer funds, order checks, apply for loans, and more - all from the convenience of your home and your home computer. What's more, PC Banking is free! To sign up, just visit our website at www.____________.

LOANS
9. Have you noticed that as soon as Santa Claus moves out of that funny little house at the mall, tax preparers move in? Yes, it’s that time of year again. If you'd like to stop Uncle SAM from absconding with too much of your 2012 income, consider consolidating all your debts into a tax-advantaged home equity loan at ______ Bank. You'll save on taxes because the interest you pay is generally tax-deductible. And, you can lower your monthly loan payments, too. Right now, home equity loans start as low as ___ % APR.

10. Suffering from that holiday hangover? You know the kind where your head hurts every time you open up another credit card statement? Fortunately, _______ Bank has the cure-a Holiday Helper loan with rates starting as low as ____ % APR. With the Holiday Helper loan, you can consolidate all your holiday bills into one easy-to-manage monthly payment. For more information, ask for one of Santa's Helpers in our Loan department.

11. We appreciate your patience while on hold. Your call will be answered in the order received.

MISCELLANEOUS
12. Happy New Year from the Board, Management, and staff of ______ Bank. For 2012 we're continuing the New Year's Resolution to provide you the best service that you can find from any financial institution. You’ve trusted us with your business in 2011 and we look forward to serving you in 2012. Thank you from those of us who work for you.

13. Should auld acquaintance be forgot and never brought to mind, it's probably because you forgot to leave an address we could find! If you have recently moved or are in the process of moving, please let us know your new address so we can make sure that all your bank statements reach you properly and on time. We can take your change of address by phone or you can e-mail it to us at: _____________. Please keep in touch!

14. Here’s a bit of trivia regarding Mount Rushmore. Ever wonder why they chose Washington, Jefferson, Lincoln and Roosevelt's likenesses for Mount Rushmore? We’re told those presidents were selected to represent the following: Washington: The nation's founding, Jefferson: its political philosophy, Lincoln, its preservation and Roosevelt, its expansion and conservation. I guess this moment on hold can be pretty useful.

15. While you are waiting, may we suggest you do the following: Have your account number and social security number handy. Also, have a pad of paper and a pen or pencil to take down any useful information. This will help speed things along. Your patience is well appreciated.