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<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0><tr> <td valign="top" colspan=2 height=90 BGCOLOR="#006699" TEXT="#080000" bgproperties="fixed" background="02c285a1erlcgo.png"> <div> <FONT SIZE="5" COLOR="#FFCC66" FACE="Arial" ><B>Pennformer Community Federal Credit Union</B></FONT><B>     |     </B><A HREF="index.htm" TARGET="_top" TITLE="Pennformer Community Federal Credit Unio"><B>home</B></A></div> <div> <A HREF="id2.htm" TARGET="_top" TITLE="About Us">About Us</A>   |   <A HREF="id3.htm" TARGET="_top" TITLE="Products and Services">Products and Services</A>   |   <B>More Information</B>   |   <A HREF="id6.htm" TARGET="_top" TITLE="Contact Us">Contact Us</A>   |   <A HREF="id15.htm" TARGET="_top" TITLE="Rates">Rates</A>   |   <A HREF="id18.htm" TARGET="_top" TITLE="Patriot Act">Patriot Act</A>   |   <A HREF="id17.htm" TARGET="_top" TITLE="Community Events">Community Events</A>   |   <A HREF="web_specials.htm" TARGET="_top" TITLE="Web Specials">Web Specials</A>   |   <A HREF="loan_application.htm" TARGET="_top" TITLE="LOAN APPLICATION">LOAN APPLICATION</A></div> <div> </div> </td> </tr><tr> <td valign="top" width=210 BGCOLOR="#FFCC66" TEXT="#080000" background="02ad2c00dkelyh.png"> <div> <B>Student VISA Credit Cards</B></div> <div> If you are 18 years or older, you should be establishing  good credit. Pennformer offers <B>VISA</B> credit cards with lines as low as  $200 and a low rate of 8.95% APR. Even if you are going to college of trade school, you can still qualify.</div> <div> Pennformer's <B>VISA</B> card is great to have in emergencies or to help out with school supplies or everyday expenses. By making at least the minimum payment required on time, this establishes "<B>GOOD CREDIT </B>" and will be very helpful when you go to purchase big ticket items, such as a new vehicle or even a home.</div> <div> <B>Call Today!!!!</B></div> <bR> <bR> <bR> <bR> <bR> <bR> </td> <td valign="top" height=390 width="100%" BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <I>More Information</I></div> <div> All Savings accounts are insured to a limit of $100,000 by the National Credit Union Association.</div> <bR> <div> <IMG SRC="0488da70.png" border=0 width="397" height="167" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></div> <bR> <div> We are a member of the Pennsylvania Credit Union League.</div> <div> Our staff and officials are bonded by the Credit Union National Association</div> <bR> <div> <IMG SRC="0466e480.jpg" border=0 width="110" height="72" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></div> <bR> <div> We hold an Annual Meeting open to all members on the First Sunday of March, </div> <div> Place and time to be announced prior to the actual meeting.</div> <bR> <div> We provide Quarterly Account Statements at the end of March, June, September and December.</div> <bR> <bR> </td> </tr></table></body>