GOOD LUCK! SPRUCE MOUNTAIN PHOEND from your friends at 170 Main Street, Jay OTIS 897-0900 800-848-3688 www.otisfcu.coop FEDERAL CREDIT UNION GOOD LUCK! SPRUCE MOUNTAIN PHOEND from your friends at 170 Main Street, Jay OTIS 897-0900 800-848-3688 www.otisfcu.coop FEDERAL CREDIT UNION