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Savings IncentiveWinners

1st Prize$25 Visa gift card Pengxue V.

2nd Prize$15 Target gift card Sienna L.

3rd PrizeMoolah T-Shirt Justin P.

Bunny Moneyby Rosemary Wells

When Max and Rubyhead into town to getpresents or Grandmas

birthday, they run intonothing but trouble! Rubyhas a beautiul present all picked out,but o course Max has his own ideas. Wthese two be able to ind the right presenbeore their money disappears? In this bMax and Ruby learn the value o moneytheir own way.

Hiway members 12 and under have the opportunity to design the cover o Hiways 2012holiday card. Have your child create a SNOWMAN on a regular sheet o unlined paper andubmit their artwork by November 15, 2012. (Be creative and dont orget to add color!) One

winner will be chosen rom the entries received and they will receive a $50 deposit to theirShare Savings Account.

Details:

One entry per Hiway member age 12 and under Drop o artwork at any Hiway location or mail to:Attn: Laura DevneyHiway Federal Credit Union111 Empire DriveSt. Paul, MN 55103

Include childs name, member number, address andphone number on the back of the artwork

Deadline is November 15, 2012

The winner will be notiied by mail and announced in the nextnewsletter. Good luck!

Be Creative, Be Colorful

Winter Activities

Entries will be accepted between 10/1/12 and 11/15/12. All entries become the property o the credit union and

will not be returned. Child must be a Hiway member to win. 1099 MISC may apply i rewards/income paid inone calendar year exceed $600. Winner will be listed in the newsletter, with frst name and last initial only.

The leaves are changing, its getting a little cooler and pretty soon well want to stay indoorspermanently. Below are a couple o activities you can do with your kidsinside.

Book of the Quar

Fall2012

CongratulationsThe winners o the Como Park Zoo

Scavenger Hunt were:

Federally insured by N

Super Easy SmoresYou dont need a campire to make thesechocolate-hazelnut smores. To make thesecolorul treats, spread 4 graham crackerquares with chocolate-hazelnut spread

and our graham cracker squares withmarshmallow crme. Pair o the chocolatecovered and marshmallow covered crackerquares and sandwich them together. Place

on a microwave-sae plate and microwave,uncovered, on high or 30 seconds.Decorate the gooey edges with sprinkles.

Try a peanut butter variation usingchocolate graham crackers insteado traditional ones and swapping thechocolate-hazelnut spread or peanutbutter.

Source: parents.com

Cookie Cutter CrayonsWhat youll need:Several old crayonsAssorted cookie cutters or candy moldsOld sauce pan or tin can or melting crayonsAluminum oil

How to make it:1. Remove paper rom crayons and putin an old saucepan. Or put the crayons inan empty tin can and place the can in asaucepan illed with water.2. Melt the wax on low heat.3. Place the cookie cutters on a sheet oaluminum oil. Pour the melted wax intoassorted cookie cutters. You may need tohold the cookie cutters down to keep themelted crayons rom running out.4. Wait or the wax to set, then cool andpop your brand new crayons out.

Source: kaboose.com

Ryan Z.Kaylee K.

Nick D.Hannah S.

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Coloringpagesource:crayola.com