Dear Grandparents,

Do you find yourselves searching for the perfect gift for your grandkids under the age of two? This year, I’d like to suggest a meaningful and lasting present that could have a profound impact on your very young grandchildren’s futures – the gift of education.

Instead of traditional toys and gadgets which they’ll neither remember nor really need, consider giving them a head-start on good financial habits with a First Step Baby Bundle from INB. By contributing to a grandchild's college savings, you're not only providing a thoughtful and lasting gift, but also investing in their future success.

Here's what the First Step Baby Bundle includes:

First Steps 1-year Certificate of Deposit (CD) with a remarkable 5.00% Annual Percentage Yield (APY).

• Minimum opening deposit/balance of $500
• Maximum opening deposit/balance of $10,000 per child
• Interest payout available as capitalized
• Additional deposits in the amount of $500 or more are allowed at any time but can’t exceed a principal balance of $10,000.

Youth Savings Account with a competitive 0.20% APY:

• $10 minimum opening deposit
• $2 monthly maintenance fee can be waived by maintaining a $10 minimum daily balance.

By contributing to these accounts, you are providing a foundation for your grandchild's futures. Whether they choose to go to college or a trade school or take on any other life goal, your remarkable gift can be there to support them every step of the way.

Time to Clue in the Kids

Opening a First Step Baby Bundle may mean talking to your own children and asking them to open a Baby Bundle as we need a parent or guardian to open the account.  But a check from you can provide the minimum balance for both the CD and Youth Savings Account. Or perhaps you join forces with other grandparents, aunts and uncles – or even parents – to meet the minimum CD requirement of $500.

When all is said and done, you should feel like a rock star for having the foresight of giving your grandkids a gift that will mean so much in the future.  Imagine how your contribution will help them achieve their dreams, whether it's attending college, starting a business, or any other life adventure.

This holiday season, forgo the toys or the gift cards that will barely be a memory years from now.  Consider an investment in your grandchildren's futures. To get started or learn more about the First Step Baby Bundle, please visit our website or an INB branch.

Thank you for considering this meaningful and forward-thinking gift for your unbelievably marvelous grandchildren. Help those sweet babies take their first steps toward a bright future with an INB Baby Bundle.

Warm regards,

Nick Bodine

Assistant Branch Manager, INB Pleasant Plains