You choose to be a winner!

    The Winners Club is a bank account specially designed for teenagers. It has been made to help you better manage your money. The Winners Club is a transaction account (交易账户) where you receive a key­card so you can get to your money 24/7—that's 24 hours a day,7 days a week!

    It's a club with impressive features forteenagers：

● No account keeping fees!

    You're no millionaire so we don't expect you to pay large fees. In fact, there are no account keeping or transaction fees!

● Excellent interest rates!

    You want your money to grow. The Winners Club has a good rate of interest which gets even better if you make at least two deposits (存款) without taking them out in a month.

● Convenient

    Teenagers are busy — we get that. You may never need to come to a bank at all. With the Winners Club you can choose to use handy tellers and to bank from home using the phone and the Internet...You can have money directly deposited into your Winners Clubaccount. This could be your pocket money or your pay from your part-time job!

● Mega magazine included

    Along with your regular report, you will receive a FREE magazine full of good ideas to make even more of your money. There are also fantastic offers and competitions only for Winners Club members.

    The Winners Club is a great choice for teenagers. And it is so easy to join. Simply fill in an application form. You will have to get permission from your parent or guardian (so we can organize that cool key­card) but it is easy. We can't wait to hear from you. It's the best way to choose to be a winner!

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    Halloween is a festival on October 31st.The name of the holiday means —"hallowed" because it comes the day before All Saints Day.

    Before the festival, people paint homes, shops and classrooms in the traditional Halloween colours, orange and black. Some people make costumes at home. Some people buy them in shops. People also make decorations for the festival. These decorations look like witches, black cats, ghosts, skeletons and jack-o-lanterns. Jack-o- lanterns are pumpkins that are cut to look like faces.

    People think that Halloween is the children's New Year's Eve. On that day children dress up in special costumes and masks. They eat too much, and go to bed very late after celebrating. They go from one door to another saying "trick or treat". People give them candies, cookies, fruit or money.

    Adults and older children also celebrate Halloween with parades (游行）, festivals and costumes parties. One kind of the parties welcomed by children is dunking for apples. Apples are put in tubs (木桶）full of water. People try to get the apples using only their mouths; they cannot use their hands.