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 SERVING THE COMMUNITY IN LEHIGH AND NORTHAMPTON COUNTIES                                                                                                                                                                         2 0 1 1

                                                   Add some new
     In The Community
                                                   Spring color!
                                                   With a Home Equity Loan
                                                                           or                                                               Line of Credit!
     Fund Raising Events
                                                    Yo u C ou ld Ev en W in
Recognized by the White House                                               Yo ur Fi rs t M on th ly Lo
                                                                                                        an P ay m en t! †
   UPCOMING SEMINARS:                              Home Improvement • Co
                                                                                                                    nsolidate Debt • College
                                                                                                                                                                                    Tuition • Wedding Expens
         Mortgages                                                                                                                                                                                                                                     es
    Personal Finances for                                                                                                                                         Variable Rate Line of Cred
      College Students                                                                                                                                                                      it
    Re-establishing Credit
   Who’s Who in Business
        2011 Award
                                                                                                                                                                3.99             Fixed Rate Loan
                                                                                                                                                                                                                                % APR1

                                                                                                                                                                                    R AT E S A S L O W A S

       Child ID Program
                                                                                                                                                                                      FOR 36 MONTHS

                                                                                                                                                               • No Points • No Closing

 Don’t Be a Victim of Fraud…                                                                                                                                                            Costs
                                                                                                                                                       • No Application Fee • Ta
                                       APPLY ONLINE at www.pe                                                                                                                    x Deductible Interest3
    Saving for Retirement                                    oplefirstcu.org or call our
        Can Be Easy                                                                                                                                            24-Hour Loan Center at 1-
                                    *APR = Annual Percentage Rate 1
                                      lished in the Wall Street Journal. The Home Equity Line of Credit loan has a variable APR of
  Shopping for a Mortgage?            rate loan has an APR as low ason the last business day of the month plus a .5% Margin roun 3.99% that is accurate as of March 1, 2011 and is subject to
                                      applicant credit. Actual rates may 3.99% for 36 months which is the lowest rate offered for ded up to the nearest 0.25%. The minimum APR for this loan change monthly. The APR is based on the Prime Rate as pub-
  Check in with People First         does not include taxes and insur vary. The quoted rate is for a Home Equity loan with an 80%this product. This rate is accurate as of March 4, 2011 and is 3.99% and the maximum APR is 18%. 2 The Home Equity fixed
                                     insurance may be required. An ance, so actual payment may be greater if secured by a or less loan-to-value ratio. When you borrow $5,000.00 for 36 is subject to change. Rates are based upon the evaluation
                                                                                                                                    first                                                        mont
                                    member who finances $1,000.00appraisal fee may be charged ranging from $75.00 to $425.00. lien. Loans are on 1-4 unit family, owner occupied resid hs at 3.99% your monthly payment will be $147.60. Payment                of
Win an IronPigs Birthday Bash       exceed $500.00. The winner will or more in new money for a home equity loan between Marc tional loan rates and terms are available at www.peopences in Pennsylvania. Property insurance is required. Flood
                                                                       be responsible for any applicable                                h 15 and May 31, 2011 will have                           lefirstcu.org. 3 Consult a Tax Advis †
  at Coca Cola Park in 2011         purchase necessary. For a mem                                         taxes or other expenses relat                                 their name entered into a draw                                 or. Special Promotion: Any
                                    18103. Only one post card entry ber to enter with no obligation, print your name, address and teleped to the prize. There will be one home equity winner draw ing to win a monthly loan payment in an amount not
                                                                      per household per month permitted.                                 hone                                                       n on                                                       to
                                                                                                           Entries must be received by close number on a 3 X 5 card and mail it to the Member Service May 16 and one drawn on June 15, 2011. No
                                                                                                                                              of business on May 31, 2011. Empl                          Center, 2141
                                                                                                                                                                               oyees and officials of People First Downyflake Lane, Allentown, PA
                                                                                            E Q U A L                    O P P O R T U                                                                              will be excluded from the drawing.

                                                                                                                                                           N  I T Y            L E N D E R

                                Feeling ?You could win a beautiful
   Join the Green Side…
You could win an Apple iPad®!    Lucky Vacation Package…
                                  In Celebration of 60 years            of member service,
                                we are giving away $600.00 in cash plus a trip for two
   Mark Your Calendar           valued up to $6000.00 which pays for air fare and hotel
                                accommodations. The winner will choose from one of the
     Mortgage Seminar           following destinations: Fiesta & Siesta in Mexico, Rocky
       April 27, 2011           Mountain Ski Adventure or Discover Atlantis*. There is
                                no purchase necessary to win. The winner, who will be
                                randomly selected on April 4, 2011, must be 21 years of
      Child ID Program          age or older and a member in good standing with People
        May 12, 2011            First FCU. Employees and officials of People First FCU, as
                                well as all business and non-personal accounts will be
    Personal Finances for       excluded for this drawing.
  College Students Seminar        The trip must be redeemed by March 1, 2012. Some restrictions will apply.
        May 18, 2011            The winner will be responsible for all applicable federal, state and local taxes.
                                *The trip was awarded to People First FCU by one of our media partners.
                         IN THE
                                Christmas Giving Program 2010
                                  Our Board of Directors and
                                employees made Christmas a
                                special one for many adults and
                                children through LVACT and
                                                                                 M E M B E R E D U C AT I O N
                                Lehigh County Early Intervention.
                                                                                 Re-establishing Credit
                                                                                   If you have a low credit score because of past
                                                                                 problems, it may feel like it will haunt you forever. Most
                                                                                 negative information, however, is removed from your
                                                                                 credit report and score after seven years. Fortunately,
                                                                                 positive information can remain on your credit
                                                                                 report indefinitely.
We were proud to present Camelot for Children, Inc.                                 A review of your credit report is the best starting point to
a check for $1,262.50 from the sale of 2011 Entertainment Books.                 re-establishing good credit. You cannot remove timely and
                                                                                 accurate negative information, but you can correct mistakes. It is
Our food collection for the Second Harvest Food Bank was very                    important to request that any inaccuracies be removed from your
successful this year. We were able to deliver 1,410 pounds of food               report, as these errors can lower your credit score, making credit
for the holidays. Thanks again for helping your neighbors in need                more difficult to obtain and expensive to use.
during the 2010 holiday season.                                                  If you have negative information on your report:
In late 2010, People First was recognized by the White House                          Catch up delinquent accounts – making timely payments going
through the President’s Council on Service and Civic Participation                    forward will improve your credit standing.
for our staff’s volunteer efforts at Mayfair Festival of the Arts.                   Pay collection accounts – request payment arrangements for
                                                                                      balances you can’t afford to pay in full.
                                                                                   An option for many people seeking to establish new credit is a
   UPCOMING                                                                      secured credit card. Some financial institutions will issue you a

                                                                                 credit card if you put a specified dollar amount on deposit with
                                                                                 them. These funds are held as security, and a credit card is issued
                                                                                 with a line of credit equal to the amount you have on deposit. If you
                                                                                 make payments as agreed for an agreed-upon time, the creditor
                                                                                 may release the funds and issue an unsecured card.
                                                                                   Another option is asking a friend or family member who has a
                                                                                 good credit history to cosign for you. Be especially careful with
Home Buying                         When: Wednesday, April 27, 2011
                                          6:00 – 8:00 PM                         these arrangements – any late payments you make will not only
                                                                                 reflect poorly on your credit report, but your cosigner’s as well.
This is your chance to meet
                                    Where: Devonshire Office,                    After six months to a year, reapply for credit on your own.
the Mortgage Experts from
                                           2141 Downyflake Lane                    People First wants to help you master your money. We’ve
First Heritage Financial.
                                           Allentown, PA                         partnered with BALANCE, a financial education and counseling
Find out how our program
                                                                                 service that can help you get your finances in order – all at no
can save you money. Talk to         RSVP: Save your seat, by calling
                                                                                 charge to you.
the people you can trust.                 610-797-7440, ext. 768                   Call 1-888-456-2227 or log on to www.balancepro.net for more
Personal Finances for College Students
When: Wednesday,
      May 18, 2011
      6:00 – 8:00 PM                                                             Who’s Who in
Where: Devonshire Office
       2141 Downyflake Lane
                                                                                 Business 2011
       Allentown, PA                                                               We are proud to have been
                                                                                 selected as the most recognized
RSVP: Save your seat, by calling
      610-797-7440, ext. 768                                                     Credit Union for the tenth straight
                                                                                 year in the annual Who’s Who in Business survey. The Who’s Who
  This informative workshop provides the tools and information young             in Business program recognizes local, well respected businesses
adults need to begin their financial life on the right track. Participants       for developing a strong, memorable relationship with their
will learn how to obtain and use credit wisely, create a positive credit         customers. On behalf of our Board of Directors, management and
history and score, develop a budget, track spending, know their                  staff, we thank you for your continued support and loyalty.
student loan repayment options, and save effectively for the most
common upcoming expenses.

  Have your Child                                                             Saving for Retirement
                                                                              can be easy.
  ID’d for Free!                                                                It is never too early or too late to plan
                                                                              and save for retirement. The closer you
    The Lehigh Valley Community                                               get to retirement, the tougher it becomes.
  Resource Center (LVCRC), located in                                         With the hectic lives people live today, an
  Allentown, PA, offers a regional                                            easy, less time-consuming retirement
  “Child ID Program”, available at no                                         investment is what you need. The solution
  cost to families in the Lehigh Valley.                                      is an Individual Retirement Account (IRA).
  LVCRC uses advanced digital tech-                                             Make your IRA habit-forming. We’ll help
  nology to capture and store high                                            you get your retirement plan off to the right
  quality fingerprints, a voice print, a                                      start and make contributing to an IRA Share
  photo and a physical description.                                           Account easy with an automatic transfer. Once
  As a sponsor, People First shares in the commitment to the safety           the account balance reaches $500.00 you can
                                            of our youth in our com-          transfer the balance to an IRA Share Certificate
                                                                              and lock in your rate for terms up to five years.
    Lehigh Valley                           munity and will be host-
    Child ID Program                        ing a site for the Child ID
                                            Program on May 12. The
        When: Thursday, May 12, 2011        child’s information will be

                                                                                       FREE val
        Time: 3:00-6:30 PM                  saved in a PDF format on
        Where: People First FCU             a CD. The parent will
                 Devonshire Office          receive the CD, as well
                 2141 Downyflake Lane       as a printed Child ID
                 Allentown, PA              Form with a complete
                                            description of their child.
                                                                                      Low Fees

    B E P R E PA R E D I N C A S E O F A N E M E R G E N C Y …

Millions of People have been Victims                                          When Shopping for                         First Time Home Buyers
of Fraud and Scams. Don’t let it happen to you!                               a Mortgage, Check
                                                                                                                        Fixed-Rate and Adjustable-Rate
  Just a few minutes of your time can make the difference.
Go to www.peoplefirstcu.org and click on Education Center for
information on these topics:                                                  in with People First                      Refinance
   Identity Theft Protection – learn how to prevent this                        Prices of homes are down and rates are low. If you’ve been in the
   from happening to you                                                      market to buy or refinance, make an appointment with one of our
   Scams & Fraud – don’t lose your life savings                               mortgage specialists. We will walk you through every step of the
   Computer Security Tips – protect yourself from viruses and worms           process – from application to closing and we’ll put you in the
                                                                              mortgage that is best for you. Call 610-797-7440 or 1-800-446-5598 to
                                                                              make an appointment or apply online at www.peoplefirstcu.org.

Win an IronPigs Birthday Bash                                                   HOME BUYING SEMINAR: APRIL 27, 2011 see details on page 2.

at Coca Cola Park in 2011                           Happy BirthdayTo You…
                                   s:                  People First has teamed up once again with the Lehigh Valley IronPigs and will be a proud
                   on also receive
  The birthday pers                                  presenter of all IronPigs Birthday Parties. The “IronPigs Birthday Bash” includes 10 field level
                           uring a
                       cognition d                   seats or 10 Capital BlueCross Lawn tickets, a hot dog, bag of
     • Scoreboard re                                 chips, small soda, dessert item and an IronPigs pennant for
        specific inning                               each party guest.
                      ed baseball
      • An autograph              e sung to              As an added bonus for People First members, the
      • “Happy   Birthday” will b ile they            IronPigs will raffle off a FREE birthday party for one
                          s fans wh
         them by IronPig the dugout!                   lucky member every month (April-August) during the
         are perched atop                              2011 season. Each month’s drawing will be for a
       • A People Fi rst gift                           party to be celebrated the following month. Stop in
                                                        at any People First branch and enter to win. The
                                      first drawing will be held on March 31 at the Nazareth Branch for a
   birthday party in April. One of the IronPigs Mascots will be on hand each month to select a winner.
Visit our website for more information regarding when and where the raffle drawing will be held.
  If you are not one of the lucky winners in the drawing and would still like to celebrate a birthday party
at Coca-Cola Park, call the IronPigs Group Sales office and mention the bonus code “PFFCU” when booking
your bash and as an added bonus you will receive a $10 Gift Card on the night of the party. The gift card can
be used anywhere in the park, including the Majestic Clubhouse Store and all concession stands. This special
code is valid for People First members only. To set up your party call Andrea Meitzler at 610-841-PIGS.

O F F I C E L O C AT I O N S             HOURS & NUMBERS
BETHLEHEM OFFICE                         OFFICE HOURS
1530 Eighth Avenue,                      Monday-Wednesday: 9:00 AM to 5:15 PM
Bethlehem, PA 18018                      Thursday-Friday: 9:00 AM to 7:00 PM
DEVONSHIRE OFFICE                        MAIN NUMBER
2141 Downyflake Lane,                    610-797-7440 or Toll Free 1-800-446-5598
Allentown, PA 18103
                                         DIRECT EXTENSIONS
NAZARETH OFFICE                          Member Service Center: Ext. 3
4066 Jandy Boulevard,
Nazareth, PA 18064
                                         Loan & Savings Rates: Ext. 4
                                         Report a lost or stolen
                                         Visa Debit /ATM Card
                                                                                                                                               Web site
Trexler Mall, 6900 Hamilton Boulevard,   During office hours: Ext. 32               www.peoplefirstcu.org
PO Box 756 Trexlertown, PA 18087         After hours: Call 1-800-754-4128           Information Content: Product and Service Information, Deposit
3682 Crescent Court East,                Balance Inquiries: 1-800-237-6211
                                                                                    & Loan Rates, Loan Applications and Payment Calculators
Whitehall, PA 18052                      Report a lost or stolen card:
SACRED HEART HOSPITAL                    1-800-325-3678
Medical Office Building,                 APPLY FOR A LOAN                           BOARD OF DIRECTORS:                   Gary M. Haas
451 Chew St., Suite 204,                                                            Dale O. Pickering                      Assistant Treasurer
                                         24-Hour Loan Center: 1-877-531-5126
Allentown, PA 18103                      Online: www.peoplefirstcu.org               Chairman                             Robert W. Nolter
  = Drive-up ATM                         Loan appointment:                          Martin P. Ritter                       Secretary
                                                                                                                                                              Federally insured by
  = Night Depository                     Call Main Number: Ext. 21                   Vice-Chairman                        Frederick A. Molchany
  = Safe Deposit Boxes                                                              Emrich M. Stellar                     Joseph J. Preisler                  the National Credit
                                         BANK ROUTING NUMBER
  = Walkup ATM & Teller Service          2313 7911 5                                 Treasurer                             Board Members                      Union Administration.

Join the Green Side…
                                                                                                Enrollment in PC Access, our
                                                                                                online banking service, is required
                                                                                                for eStatements and eNotices.
You could be the lucky winner of an Apple iPad®                                                 To apply for PC Access, print out an application
when you sign up for eStatements and/or eNotices!                                               online at www.peoplefirstcu.org, pick one up at
                                                                                                a branch or call our Member Service Center at
     Less Paper equals more benefits                                                            610-797-7440 to have an application mailed to you.
      • View your statement online 24/7
                                                                                                **Members who sign up to receive eStatements and/or eNotices now through
      • Print your statement as needed                             Sign up                        May 31, 2011 will be automatically entered into a drawing. One entry is permitted
      • No paper statement to organize
                                                                to be en today                    per member account number for eStatements. One entry is granted for each
      • Never misplace a statement again                                t
                                                                chance ered for a
                                                                                                  eNotice that is enrolled. The winner of the Apple iPad® (with an estimated value
                                                                                                  of $499.00) will be randomly selected on or about June 1, 2011. The winner will
     eNotices                                                           to n                      be responsible for any applicable taxes or other expenses related to the prize.

     We will notify you when certain events                       Apple iP wi®* an                A natural person account at People First FCU is required to qualify for the
                                                                                                  drawing. Non-natural person accounts (businesses or organizations) as well as
     occur on your account                                                ad *                    employees and officials of People First will be excluded from the drawing. No
                                                                                                  purchase necessary. For a member to enter with no obligation, print your name,
       • Payroll deposits orACH credits and debits                                                address and telephone number on a 3 X 5 card and mail it to the Member
       • Loan Payment Reminders                                                                        Service Center, 2141 Downyflake Lane, Allentown, PA 18103. Only one post
       • Share Certificate renewals, maturities, and redemptions                                                    card entry per member permitted. Entries must be received by
       • Insufficient funds in your checking account                                                                     close of business on May 31, 2011.


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