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JOINT BASE ANACOSTIA-BOLLING, D.C. A good program just got better as the Army & Air Force Exchange Services Holiday Layaway program is now fee-free. Shoppers simply select their gifts for layaway and stop by customer service to complete the process.

Fee-free means that while the JBAB Exchange collects an initial $3 processing fee for new layaways, that amount is returned to customers via an Exchange merchandise gift card upon final payment and pick up of their items.

In addition, toy layaway will be extended through Dec. 23. Gifts are safely out of sight until final payment and pick up just before Christmas. Also, for a limited time only, Nov. 1 through Dec. 16, JBAB shoppers can place computers, laptops, iPads and netbooks on layaway.

The JBAB Exchange continues to beat the competition when it comes to selection, service and value, said Exchanges Veronica Reese, store manager. Other retailers charge as much as $15 for layaway. Our program saves shoppers money.

A deposit of only 15 percent is required when starting the layaway process. See customer service for program details and eligibility. For more information, call 202-562-3000.