Network Winter 2018 Web

penndelag

WINTER 2018 | USPS 165-700




HEALTH

MINISTRY

SPIRITUAL LIFE


DISTRICT CALENDAR

JANUARY

1. . . . . . . . .New Year’s Day – Ministries Center Closed

5. . . . . . . . .Teen Bible Quiz Meet #3

7. . . . . . . . .Presbytery Meeting – BCC

8. . . . . . . . .Credential Interviews – BCC

11-12 East Side ACTS 2 Journey (Retreat 2) – Phila. Christian/Bensalem

11-13 Youth Winter Retreat #1 – BCC

12. . . . . . . .Junior Bible Quiz Meet #3

18-19 RR & Girls Ministries Regional Empower Conf. – Harrisburg

18-20 Youth Winter Retreat #2 – BCC

21-23 Children’s Ministry Leadership Summit – BCC

25-27 Youth Winter Retreat #3 – BCC

31. . . . . . . .ACMR’s Deadline

FEBRUARY

1-2 Junior Bible Quiz Finals

1-2 West Side ACTS 2 Journey (Retreat 2) – New Stanton

16. . . . . . . .Sectional Fine Arts

18. . . . . . . .Presidents’ Day – Ministries Center Closed

22-24 Kids’ Breakaway #1 – BCC

23. . . . . . . .Teen Bible Quiz Meet #4

MARCH

1-3 Kids’ Breakaway #2 – BCC

4. . . . . . . . .Sectional Councils

. . . . . . . . . .SWS – Monroeville AG – 9:30 am

. . . . . . . . . .NW – New Castle/First – 2 pm

5. . . . . . . . .SWM – Oakmont/Riverside – 9:30 am

. . . . . . . . . .SCW – Bedford/Real Life Church – 2 pm

7. . . . . . . . .SCE – Enola/River of God – 9:30 am

. . . . . . . . . .SC – Chambersburg/Bethel – 2 pm

8-10 NW World Missions Convention

9. . . . . . . . .RR District BB Gun Competition

9. . . . . . . . .WP Spring Tour @ Dover, DE/Calvary Church

11. . . . . . . .Sectional Councils

. . . . . . . . . .NC – Milesburg/Freedom Life – 9:30 am

. . . . . . . . . .NCW – Clearfield/Glad Tidings – 2 pm

12. . . . . . . .EC – Hamburg/The Bridge Church – 9:30 am

. . . . . . . . . .NE – Hazleton/Faith AG – 2 pm

14. . . . . . . .GPA – West Chester/Trinity – 9:30 am

. . . . . . . . . .Delaware – Hockessin, DE/Trinity Community Church – 2 pm

15-17 NC & EC World Missions Convention

14-16 RR Nat’l Leaders’ Conference – Dayton, OH

16. . . . . . . .District Teen Bible Quiz Finals

16. . . . . . . .WP Spring Tour @ Quakertown/Morning Star

22-24 SCW World Missions Convention

23. . . . . . . .WP Spring Tour @ Harrisburg/First AG

25. . . . . . . .Presbytery Meeting – BCC

26 Credential Interviews – BCC

29-30 District RR Leaders’ Conference – Carlisle

29-31 SWS World Missions Convention

30. . . . . . . .WP Spring Tour @ Houston/Central AG

Pennsylvania-Delaware Ministry Network

4651 Westport Drive • Mechanicsburg, PA 17055

Read online: penndel.org/connexions

Editor:

Managing Editor:

Donald J. Immel

Carole Bongiorno

Executive Presbytery

Superintendent

Donald J. Immel

Assistant Superintendent Bryan Koch

Secretary/Treasurer

Jeff Marshall

Timothy Bunney Southwest Suburban - SWS

Christopher Clark North Central West - NCW

Roland Coon Delaware - DEL

Steven DeFrain East Central - EC

Wayne Jackson Southwest Metro - SWM

Dwan Newsome South Central - SC

Robert Novak Greater Philadelphia Area - GPA

James Pentz North Central - NC

Randall Rhoads South Central East - SCE

Walter Smith South Central West - SCW

Allan Thorpe Northwest - NW

David Twiss Northeast - NE

General Presbyters

Donald J. Immel

Jeff Marshall

Bryan Koch

Honorary General Presbyter

Philip Bongiorno

PennDel Superintendent Emeritus

Volume 64 Number 4 - (USPS 165-700) is the official periodical published

quarterly by the Pennsylvaina-Delaware District Council of the Assemblies

of God. Periodical postage paid at Mechanicsburg, Pennsylvania.

Circulation Stands at Approximately 7,500. POSTMASTER, Send address

changes to: Pennsylvania-Delaware District Council, 4651 Westport Drive,

Mechanicsburg, PA 17055-4887


SUPERINTENDENT Donald J. Immel | 717.795.5921 | don@penndel.org

Redeeming the Time

PAST, PRESENT & FUTURE

We all know that time has three tenses: past, present, and future. I was struck by this reality when I

was thinking about Paul’s encouragement for believers to “redeem the time.” (Ephesians 5:16) As we

approach the end of the year and prepare to embark on a new one, the question begs, “in what ways

can we ‘redeem’ time?”

PAST

PRESENT

FUTURE

There are two ways to redeem time that has already gone by. First, we can learn from

mistakes. Everyone makes mistakes. I’m on a plane as I write. When I got to my seat,

someone else was sitting in it! It was obviously a man and his wife. I didn’t want to

separate them…today, even though you buy your tickets together, it is not certain that

you’ll get to sit next to one another on the plane. So I looked at them and said, “Well, how

can we work this out?” Then Robin said, “Don, our seats are back here.” My bad. It was

early in the morning – I was a row off. I apologized. Lesson: double check the sign. There

is always a lesson to learn from our mistakes. We can redeem the past by learning from it.

Improve your future by carrying forward the lessons learned from mistakes, and secondly

redeem time by repeating your wins. What went right last year? Does that bear repeating?

I’ve noticed that sometimes I’m not fully engaged in the present. I can be in a meeting

or in a conversation, but distracted by other things on a long “to-do” list. Do you ever do

that? Sometimes we suffer from distractedness. Multitasking is a form of distractedness.

I’ve read of a few individuals who have gone back to a simple flip phone to eliminate the

temptation of constantly using their device. They have decided to put stronger boundaries

between their virtual life and their real life. I’m not going to do that. But I do resonate with

the need to find ways to be fully engaged in the moment and in the real world. Redeem

the time – intentionally reduce distractions. I once heard a person commenting on their

pastor’s interpersonal style. Their comment challenged me. “When you are talking with

Pastor, he makes you feel like you are the only one in the room.”

Planning and vision casting are two of my favorite things. You can’t read the Bible without

getting the impression that God is a planner! Genesis 3:15 is the first revelation of our

Redeemer (“He shall bruise your head, and you shall bruise His heel.”) But God’s “plan” of

salvation goes back before that moment. Revelation 13:8 identifies Jesus as “the Lamb

of God slain from the foundation of the world.” That’s a revelation of long range planning!

Effectiveness in ministry is directly linked to vision and planning. A good vision will apply

lessons learned from the past, project goals and strategies for the future so that we can

be fully and effectively engaged in the present. For pastors and those in ministry, we

have the opportunity to speak prophetically to the future of the ministry in which we are

engaged. We do this not simply with ambition, but by availing ourselves to the fullness of

the Spirit to sanctify and inspire our imagination to envision a better future. In this way, we

are “redeeming the time.”

As we approach 2019, let us “walk circumspectly (diligently), not as unwise (wasters of time and

opportunity) but as wise, redeeming the time…” (Ephesians 5:15) Learn from the past (assess),

be focused in the present (engage) and anticipate by faith a great New Year (envision).

Network connexions | Winter 2018 | 3


ASSISTANT SUPERINTENDENT Bryan Koch | 610.678.0266 ext. 224 | bryankoch@gtaog.org

Organize or Agonize

HIT THE RESET WITH

SERVICE PLANNING

January comes around every year, and every year it’s considered a time to reset personal priorities

and take time to figure out what we’re going to do in the new year. The same holds true for your

church. Coming out of the busy time of the Christmas season, it’s important to take time to get

organized for the upcoming year. One of my personal axioms is “Organize or agonize,” and it’s

true both personally and in our ministries. Proverbs 21:5 (NLT) says, “Good planning and hard

work lead to prosperity, but hasty shortcuts lead to poverty.” GT takes that to heart when it

comes to planning our services.

BIG ROCK

At GT, we have a long-range planning meeting in

January and August, that we call “Big Rock.” We

invite a wide range of teams to attend this meeting

from family ministry to creative arts to the teaching

team. Even when GT was a much smaller church,

we would do this. If you don’t have staff teams, you

could include high-level volunteers and ministry

leadership you do have. We look at the upcoming

year, brainstorm and plan for the next 6-9 months.

This includes looking at what’s happening on the

church calendar as well as in the community. We

want to make sure that baptism and communion

Sundays have a strong tie to the message on

those days. We look at when we’re having our First

Responders service or our Veterans Day service.

We break into small groups and brainstorm sermon

series topics without getting bogged down in the

details of titles and schedules.

BOTTOM LINE

The details get worked out in a meeting

that we call “Bottom Line,” which meets

most Monday mornings throughout the

year. This is still considered a longrange

planning meeting since we try to

stay a couple of months ahead of the

current sermon series. This is where we

figure out exact texts, titles, and the one

important thing we want people to take

away from the message or the “Bottom

Line.” This is a smaller group of people

who are responsible for communicating

the messages. Once a month a larger

team gets together for a Service Planning

meeting to review service orders,

upcoming events, special happenings,

and other important info for the upcoming

month.

SPIRIT LED

After reading about all of these

meetings, you may think that

our services seem so planned

out that there’s no room for

the Holy Spirit, but that’s not

the case. We come into these

meetings seeking the Spirit’s

guidance and often have a

time of prayer or worship

prior to starting the meetings.

And although we certainly do

plan out how we expect our

services to go, we are always

open to the moving of the

Spirit and have made changes

on the fly when we’ve felt that

prompting.

One of our values at GT is “We give God our best because He gave us His.” Part of giving our best involves planning

so that we can make every component of a guest’s experience as excellent as possible, providing a reflection of how

great God is. Planning and preparation allows us to be flexible when needed and communicate as effectively as possible.

2 Timothy 2:15 (NLT) says, “Work hard so you can present yourself to God and receive his approval.

Be a good worker, one who does not need to be ashamed and who correctly explains the word of truth.”

How will you start off 2019? Will you organize or agonize this year?

4 | Network connexions | Winter 2018


AROUND THE NETWORK

Pastoral

Commissioning

Pastor C. Ronald

& Jemma Bradley

New Life Church

Lancaster, PA

80th

Anniversary

& Mortgage

Burning

Pastor Jason &

Rene Tourville

Shrewsbury AG

Shrewsbury, PA

Pastoral

Commissioning

Pastor Jim &

Anna Ricci

Hellertown AG

Hellertown, PA

Thanks to our PennDel family for all of your love, kindness and generosity to

Marjie and me as we celebrated our retirement. You have been so gracious

through the sixteen years of our serving as your superintendent, and we cherish

your continued prayers and love in the years ahead. You are in our hearts and

prayers for God’s anointing and presence to reign in your lives and ministries.

May HIS grace abound more and more and grant you the desires of your heart.

Love and prayers,

Pastor Steve and Marjie

Women in

Ministry Retreat

“Woman of Wonder”

Speaker: Lisa Potter

Network connexions | Winter 2018 | 5


SECRETARY/TREASURER Jeff Marshall | 717.795 .5921 | jeff@penndel.org

About People:

MINISTERS TRANSFERRING IN:

Anderson, Janelle A (Licensed) from Georgia

Bradley, C Ronald (Ordained) from New Jersey

NEW AND UPGRADED

CREDENTIALS:

NEW

Bailey, John J (Licensed)

Walsh, Jacob R (Licensed)

CERTIFIED MINISTER

Boden, Dustin

Carpenter, Brodon

Collison, Andrea

Jackson, Walter

Fasig, Brandon

Nabors, Timothy

Sherman, David

LICENSED MINISTER

Braafhart, Giannie

Brace, Lindsay

Catalano, Rachel

Geidel, Joshua

Glogau, Heather

Goodling, Duane

Jodon, Jason

Keely, Lorena

Kiger, Travis

Knudson, John

Kuchta, Marianne

Lingsch, David

Lufi, Samuel

Nagel, Josiah

Newhart, Jared

Salemme, Michael

Sarring, Allyson

Schaefer, Timothy

Sterling, Saint Clair

Strickland, Kimberly

ORDAINED

Ricci, James

About Churches:

PARENT AFFILIATED:

Faith AG – Belle Vernon, PA

Jason Lamer, PAC Lead Pastor

Jason Lamer, Campus Pastor

TRANSFERRED CHURCHES:

(PennDel Trans-PAC transferred to

NNE as District Affiliated Churches)

City Reach Church – Bangor, ME

City Reach Church – Ellsworth, ME

MINISTERS TRANSFERRING OUT:

Allen, Cullen R (Ordained) to Iowa

Allen, Shelly L (Licensed)

to Iowa

Bogaczyk, Jeffrey S (Ordained) to Wisconsin/N Michigan

Erickson, Margaret T (Licensed) to Ohio

Erickson, Stephen D (Licensed) to Ohio

Gibney, Stephen S (Licensed) to New Jersey

Halbig, Aaron (Certified)

to New York

Krause Jr, Donald E (Certified) to Hawaii

Peternel, Daniel (Ordained) to Indiana

Peternel, Catherine (Ordained) to Indiana

Richardson Jr, John D (Ordained) to New York

Van Luven, Aaron (Ordained) to Minnesota

PASTORAL TRANSITIONS:

C Ronald Bradley – New Life AG, Lancaster

James A Ricci – Hellertown AG

Mark Grogan – 1st AG, Beaver Falls

Jeff Leake – City Reach Church, Pittsburgh

Steve Warren – New Life AG, Pottstown

Jeff Henry – New Life AG, Mifflintown

With The Lord:

A REUBEN HARTWICK, 90, passed away August 24, 2018. Bro. Hartwick was a retired

minister in our District and lead pastor at Coraopolis, Elwood City and was a professor at

the University of Valley Forge for 26 years. He is survived by his wife, Thelma.

EDWIN C STIGILE, 82, passed away September 4, 2018. Bro Stigile is survived by his

wife, Barbara. Together, they pastored several churches in the Potomac District. They

transferred to PennDel in 1999 to pastor the Assembly of God Church in Barclay MD,

where they retired in 2013.

ANGELINE HAFNER/SORBO, 84, passed away on November 26, 2018 after a recent

illness. Angie was married to our Retired Missionary Anthony Sorbo the past 20 years and

served alongside him in various missions and ministry endeavors. Previously, Angie was

married to Robert E Hafner and was a faithful lead pastorʼs wife at the following PennDel

Churches: Pennsburg, Muncy, Windsor and Altoona. Angie was a pillar in PennDel as our

District Auxiliary Director of Missionettes (now renamed Girls Ministries) for 18 years.

MARIAN STUART, 94, went to be with her Lord and Savior on November 29, 2018. She

was preceded in death by her loving husband, Walter Stuart. Marian was a faithful lead

pastor’s wife at Calvary AG, Waynesboro.

6 | Network connexions | Winter 2018


WORLD MISSIONS Donald J. Immel | 717.795.5921 | don@penndel.org

2019 World Missions Theme

TO THE ENDS OF THE EARTH

Get started early by using the reasonably priced AGWM Theme-related items in your church for 2019:

• View the online Missions Materials Catalog by visiting agwm.com/resources

• Order a catalog by calling 800.988.6598 or call direct 417.862.3420 x 2061 or 2071 (CST)

PennDel Missionaries

Currently Itinerating:

New Missionaries: Kevin & Wendy Beery (Europe)

kevin.beery@agmd.com

Veteran Missionaries: Sam & Naomi Brelo (Europe)

Zach Wable (Africa)

Winter Cohort/Connect Meetings:

Each Missions Representative is working hard to coordinate a

Winter Missions Event for your Section.

These events will be listed on our website by early January:

www.penndel.org

ministries/world missions/events

2019 Spring Missions Convention:

PENNDEL WORLD MISSIONARY SPEAKERS:

Ken Ferguson International Ministries

Sam Brelo Eurasia

AND for the 1st time ever…

A PennDel Missionary Associate is joining the tour:

Sean Collings itinerating to serve with Doug Baldwin as

his youth/children’s worker in Ecuador

Dates of Tour:

March 9 & 10 NW Section

March 16 & 17 NC & EC Sections

March 23 & 24 SCW Section

March 30 & 31 SWS Section

Please contact your sectional missions rep if you are

interested in participating.

Congratulations to Amanda Swain who is

reaching her final moments as an Itinerate Missionary

Associate! She will be departing for Eurasia in the next

few weeks/months.

We have other Missionary Associates who are presently

raising their support and need your help.

Please visit our complete listing at:

penndel.org/Ministries/MA Itineration List

Has God Spoken to You

About becoming a Missionary? If He has, we would like

to speak to you as soon as possible. Please contact me

at: don@penndel.org or 717-795-5921

Network connexions | Winter 2018 | 7


RESET Your Life

EMOTIONALLY

PHYS

SUE WILLIS

Founder/President

Abundant Life Ministry Center

McMurray, PA

DAVID BROCK

Family Life Pastor

Calvary Church, Irwin PA

As spiritual leaders, we regularly

speak to others about issues in

their lives. However, we often fail to

examine some of these same issues

as they relate to ourselves. Perhaps

the most significant disconnect is in

the area of emotional health.

Being emotionally healthy means

living a life of wholeness, balance

and contentment – even when we’ve

experienced difficult and painful

circumstances that can leave us

feeling, burned out wounded and

betrayed. Each of us goes through

difficult seasons personally and in

ministry. In fact, God’s word clearly tells

us that we will face trials, tribulations,

times of temptation and set-backs –

along with the possibility of growing

weary and wanting to give up.

Have you been there? I know I have

at times in my life and journey with

the Lord. But the good news is, God

doesn’t want us to remain stuck or

to give up. He promises to bring us

through – if we will allow the Holy Spirit

to work in us.

God never intended for us to

simply survive the circumstances

we encounter. He wants to take us

beyond survival to revival, allowing us

to live again. Even more, He wants us

to thrive.

HOW CAN WE PRESS THE RESET

BUTTON ON OUR EMOTIONS FOR

2019?

• First, be honest with yourself and

with God. What has crept into your

heart this past year (or at any time

in the past) that has set you up to

be an emotionally unhealthy leader?

• Be willing to deal with the issues

that you’re struggling with so the

Lord can bring you to a place of

healing and restoration. Choose to

let go of any hurts, disappointments

and offenses, and forgive those

who have wronged you.

• Cast all your anxiety, weariness and

cares on the Lord, and allow Him

to care for you. (Matthew 11:28, 1

Peter 5:7)

Determine that you will

enter 2019 with a revived

heart, refreshed and ready

to thrive … not by might,

not by power, but by the

Holy Spirit.

The New Year has traditionally been a

time to hit the “reset” button on different

areas in life. I’ve found myself in this

cycle every January with my health. I

didn’t need to be told what it looks like

to be healthy or that it is important to be

healthy, yet I found myself meeting the

statistics of being an unhealthy pastor.

Pastoral Care Inc. states that “over 50%

of pastors are unhealthy, overweight, and

do not exercise” and that included me.

2018 was the year I hit my reset button

for health, losing nearly 100 pounds, my

blood pressure dropped, and I saw my

health and ministry improve.

BEFORE

AFTER

David and his wife, Michele.

8 | Network connexions | Winter 2018


ICALLY

SPIRITUALLY

If you want 2019 to be the year you hit

your health reset button, here’s three

questions I have learned to ask myself

which may help you:

WHAT IS MY REASON FOR GETTING

HEALTHY?

WHAT WILL I DO TO ACHIEVE MY GOAL?

WHO WILL HOLD ME ACCOUNTABLE?

Most people don’t need to be convinced that health

should be a priority in their life, so why the struggle?

Your reason must be personal and may be different

than what you know it should be. I knew I should be

healthy for various reasons; however, those reasons

didn’t motivate me to lose weight. My reason was my

wife, future family and ministry. I struggled as a pastor

constantly asking, “How can I pastor others towards

spiritual health when I was so far from physical

health?” Your reason may not be my reason, and

that’s okay.

Once your reason is determined set yourself up

with your steps toward your goal. Find the diet

and exercise plan that will get you there and follow

through. For me that was counting my calories

and macro-nutrients, lifting weights and cycling. If

something does not seem to work try something

different. My wife and I tried everything from Vegan to

Keto Diets until we found what worked. Talk to your

doctor and determine the best plan for you. Then tell

this plan to somebody you trust and give permission

to who will hold you accountable.

What would it look like for you to hit the reset button

on health? There’s no better time than now to begin

this journey.

MARK NOVALES

Lead Pastor

City Reach Church

Philadelphia, PA

I’VE ONLY BEEN PASTORING FOR SIX YEARS. Just when I

get comfortable, ministry, people and my Lord remind me that I haven’t

quite arrived. Being a church planter has been the most difficult yet

rewarding thing I’ve ever done. I spent 26 years as a US Army officer

(which included several deployments after 9/11), yet planting a church

has been the most challenging.

About 6 months ago, I stood outside of our church (located on a

commercial street in Philadelphia) and observed so much brokenness.

I asked myself if we were making a difference in our community. At that

moment, I felt the Holy Spirit remind me that His presence can bring the

transformation I longed for in a way that our strategies/planning could

never achieve. Those are essential in order to execute the mission, but

without His presence they are incomplete. Immediately, I felt compelled

to research past revivals. I was led to the Hebrides Revival (Scotland)

in 1949. This revival included a powerful presence of God’s in response

to the prayer of two elderly ladies (ages 84 & 82) and seven men who

earnestly prayed for a move of God. The initial question to their pastor

which led to intense prayer was “Can we try God?”

Before the revival, not a single young person attended their services.

Afterwards, the church was bursting with young people. Bars and dance

halls closed! God’s presence moved throughout the community and

brought immediate transformation. This church, like many of ours, had

conducted conferences and had grand church growth ideas, but hadn’t

prayed fervently as the Word urges us to. His presence made all of the

difference. I’m all about church growth strategies/conferences, but we

won’t experience the entirety of what God wants if we don’t face the

question, “Can we try God?”

“Can we try God?”

Network connexions | Winter 2018 | 9


No

RESET

Button

CHRIS AND NIA GILLOTT serve

at CLC in Bensalem where they do

ministry as a team. They love helping

students discover what it means to

be a disciple and equipping them

to make disciples! They’ve been

married since 2005, and have two

children – David and Evangelia.

Chris’s interests include running,

making music and cheering for the

E-A-G-L-E-S! Nia enjoys cooking

(it’s her love language), photography,

graphic design and she’s learning

to sew. As a family, they love to be

outside, to be together and to make

new friends.

STUDENTS KNOW HOW TO RESET ALL KINDS OF

DEVICES, but resetting a student ministry is not so simple. Everyone

knows that most adults “don’t like change,” but some students in high

school and even junior high can also get entrenched in patterns and

expectations. Even volunteer leaders feel hesitant as changes take shape,

which is significant in student ministries where our team carries much

of the weight of weekly ministry. To reset our weekly rhythms of ministry

and community there was no button to push; it required wisdom and

communication and patience.

One major factor that led us to reset the service format was our awareness

that students spend most of the year learning in lecture style classes. This

makes it tough for them to engage for an extended time of preaching in

the middle of the week. We also wanted to help students grow deeper

connections to other students, adult leaders and, most importantly, the

scripture.

We started our transition by casting vision about our desire to maximize the

value of our time with students when we gathered. The thought of changing

our service structure alarmed some of our volunteer leaders. For several

months, when we gathered with our leadership team, we spent time talking

about the values that were leading us towards this shift.

Eventually, we launched a new Wednesday structure that starts with

worship, followed by 15-25 minutes of teaching, roughly 30 minutes of

discussion and prayer in gender-specific small groups that we call Circles.

This helps us nurture relationships within our group and personalize the

application of the scriptures we’re exploring. We still do one service a month

in a large group format built around a theme that we call an Invite Night.

It sounds simple enough, but there

have been bumps in the road.

As we continued to articulate

the values behind our change

in format, we found increased

appreciation and participation.

Thankfully, our new structure is

producing fruit. The health of our

ministry continues to increase; we

are excited about what The Lord

has in store for us.

10 | Network connexions | Winter 2018


RESETTING

Your Church

THIS MONTH, AS WE TALK ABOUT THE IDEA OF “PUSHING

THE RESET,” one of the areas that desperately needs a reset is Church

Revitalization. A recent study by Thom Rainer shows that close to 65% of

churches in America are either declining or plateauing. Studies show over

4,000 churches close their doors every year. With those thoughts in mind, I

want to share a few quick ideas on revitalization that I have learned on my own

ministry journey. Although not applicable everywhere, I would like to offer a few

observations and lessons I’ve learned... sometimes the hard way!

RELATIONSHIPS

When approaching a struggling or declining church it’s important to recognize

that those in the church are not your enemies. While they might be difficult and

obstinate, you are ultimately on the same team. The first thing that’s important

to recognize is the value of relationships. As a lead pastor, nothing is more

beneficial than establishing relationships with long-time members. Listen to their

stories. Become a student of your church’s history. Ultimately, you’re building

upon what was already established. Also, begin to build relationships with your

community. The church of Jesus Christ is not meant to operate in isolation of

its community. You’ll never know the needs of your community or even how to

meet those needs if you aren’t in relationship with those in your community.

VISION

Secondly, it’s vital that you have a God-ordained vision. It isn’t your church’s,

ultimately it’s God’s. Jesus said he would build ‘His’ church. Spend time in

prayer; pay attention to what others say about your church; listen to your

own dreams. Chances are really good that the vision for your church will be

a combination of these three things: God’s Heart + Your Strengths + Your

Church’s Opportunities. Don’t just lead people toward general ‘change,’

but lead them toward a vision. Vision allows difficult change to become more

understandable and digestible because it provides context.

NICK AND HEIDI POOLE pastor

at Calvary Church in Irwin, PA.

Nick grew up in the Pittsburgh

area as a pastor’s kid and

graduated from Central Bible

College in 2005. Nick and his

wife, Heidi, have pastored Calvary

Church since 2011. Prior to

becoming the lead pastor, Nick

has served in various ministry roles

as a youth pastor and church

planting director. Nick and Heidi

have two kids, Zack and Evie

with a third Baby Poole arriving in

December of 2018.

PERSISTENCE

Lastly, is persistence. No doubt, revitalizing a church is hard work. And it’s not

just hard, but it demands persistence in the face of opposition over a potentially

long period of time. One thing different with a church revitalization compared

to a church plant is the perception of time. The effectiveness of a church plant

is generally measured in the early weeks or months. For a church revitalization,

the timeline is years and decades. Churches are not flipped, they’re generally

turned around. To do this, it requires persistence. And persistence demands

that as a pastor you work toward progress over a period of time.

So as you look to ‘push the reset’ at your church or current ministry

setting, remember these important components:

Relationships, Vision, and Persistence.

Network connexions | Winter 2018 | 11


Pressing

PENNSYLVANIA

ADULT AND TEEN CHALLENGE

KRIS AND TONI MCFADDEN

President/CEO

Pennsylvania Adult and Teen Challenge

OVER THE PAST COUPLE OF YEARS,

ministry “reset” has been a consistent

theme throughout Pennsylvania Adult &

Teen Challenge. Our hearts were gripped by

the fact that between the years of 2000-

2014, over 500,000 individuals throughout

the US have lost their battle with addiction,

overdosed and died. We also learned that

over 3,500 Pennsylvanians have lost their

battle in 2015, over 4,600 in 2016, and

most recently, over 5,000 in 2017. These

statistics made us ask the question, “Are we

providing the best care as a ministry for the

local church and community as possible?”

The answer was a resounding “no” and we

knew it was time to hit the reset button.

Our vision, “Bringing Wholeness to the

Hopeless” was birthed around this same

time and we were inspired through Luke

5 to “fill our nets” with hurting individuals

throughout the local church and community

who were caught in the grip of addiction. In

2017, we were able to successfully launch

the first medical detox program in the

history of Teen Challenge throughout the

US. Along with this programming initiative,

we also began to operate our short-term

inpatient rehabilitation program, as we saw

need for these complimentary services to

our foundational, long-term, discipleship

program. In 2015, we served approximately

235 individuals throughout our corporation.

Because of these programs and the Lord’s

faithfulness, by the end of 2018 we will

come close to serving 2,000 individuals in

desperate need of our care.

At the beginning of this year, we decided

once again that it was necessary to hit

the “reset” button. As an organization we

found that our adult women’s programs

were inadequate due to a lack of both

capacity and services. We decided it was

time for a change. In September of this

year, we added women’s detox services to

our continuum of care. This initial step has

provided the first women’s detox throughout

the national Teen Challenge network.

Our women’s services now include detox

and short-term inpatient care, alongside

our foundational long-term, discipleship

program, mirroring our men’s services.

Although this step has been groundbreaking,

we have exciting future plans to

develop an even more robust continuum of

care to serve adult women.

Another need that has been heavily

requested in our field is intensive outpatient

services. In 2019, we will be adding several

sites throughout Lancaster, Dauphin, and

Berks counties. We are thrilled that these

services will soon be available as we work

diligently toward fulfilling our vision of

“Bringing Wholeness to the Hopeless.” As

the Lord continues to “fill our nets” we are

trusting Him to do a great work in the lives

of those we serve by freeing them from

addiction and bringing new life in Him!

PENNSYLVANIA ADULT & TEEN CHALLENGE

DRUG AND ALCOHOL REHABILITATION TREATMENT CENTER

MEDICAL

DETOX

Bringing Wholeness to the Hopeless

INPATIENT

TREATMENT

PROGRAM

OUTPATIENT

TREATMENT

PROGRAM

Pennsylvania Adult & Teen Challenge provides care to adults (18+)

struggling with life-controlling addictions.

RESIDENTIAL

FAITH-CENTERED

PROGRAM

DOES SOMEONE YOU

LOVE NEED HELP?

CALL 844.888.8085

• Comprehensive Addiction Treatment

• 24/7 Admissions & Courtesy Transportation

• Accept Insurance, Medical Assistance,

County Funding and Affordable Self-pay

Options for Detox, Inpatient & Outpatient.

• Full Medical Staff & Counselors

• Medically Supervised Detoxification

• Full Continuum of Care

• Recreational Activities

• Fully Accredited & State Licensed

33 TEEN CHALLENGE ROAD

P.O. BOX 98, REHRERSBURG, PA 19550

PAATC.ORG


RESET

UNIVERSITY OF VALLEY FORGE

THE UNIVERSITY OF VALLEY FORGE

(UVF) has undergone significant changes

in the last few years. Despite the season

of transition, UVF has further strengthened

its commitment to producing influencers of

the gospel. In this new season, the driving

passion to impact the world by training

disciples of Christ continues to fuel UVF.

Many Christian universities today are

struggling with enrollment due to economic

reasons, and are compromising what

it means to be a Christian school. As a

Christian liberal arts university, we get many

questions asking “is UVF a bible school

or a university?” meaning, “is UVF going

to continue to produce ministers? Is that

a priority?” We believe Valley Forge has

a special call to produce ministers and

missionaries. When you make Jesus the

center of any institution or organization,

the anointing of God will follow. UVF has

recommitted itself to raising influencers of

the gospel. The goal is not to be a large

institution but a specialized school for

training disciples of Christ who will serve

and lead in the church and the world.

We also feel a call to raise up a priesthood

of all believers; so it’s not just about

providing education for our marketplace

majors, it’s about producing disciples who

will be ministers of the gospel in every field.

“From the moment I stepped on campus, I

began experiencing the blessings of being

exactly where God wanted me...Through

amazing professors, my field experiences

in local schools, ministry involvement,

work experiences and student leadership

opportunities, I was able to develop as an

individual, a professional and as a follower

of Jesus; I am prepared to serve the Lord

wherever he sends me,” says UVF senior,

Megan Knorr Walsh.

We have seen a great cultural shift on our

campus; we’ve had physical and spiritual

healings in our prayer services. We believe

DAVID S. KIM

President

University of Valley Forge

that whenever the Holy Spirit moves, signs

and wonders will follow. We are anticipating

the power of the Holy Spirit’s work here at

UVF, not only for deep spiritual encounters,

but also for the purpose of the Great

Commission. We want our students to

experience the infilling of the Holy Spirit for

the missional work God has for them.

When you make a decision to turn towards

Jesus, you’ll face spiritual warfare. Our

leadership senses this deeply, and we are

more committed than ever to prayer. We do

not believe that leadership and strategy, alone,

are the answers to the challenges ahead,

although they are important. We, however,

believe in winning and overcoming our

challenges through intercession and prayer;

our battles are ultimately won on our knees.

We are so excited to partner with our home

district of PennDel in this endeavor to

produce spirit-empowered servant leaders

for the Kingdom.

ONLINE

GRADUATE STUDIES

For more information, visit

VALLEYFORGE.EDU/GRADUATE


HOME MISSIONS Tom Rees | 717.795.5921 | tom@penndel.org

Small Town Church…

BIG IMPACT!

PennDel is made up of many small but faithful churches. When

we partner together, amazing things can happen, like what

God is doing through Pastor Che’ and Stephen Weber at First

Assembly of God in Greentown. We celebrate their story…

For fourteen years, we struggled with making inroads into our Greene-Dreher community.

We tried reading books and going to seminars; we knew our small, rural church of 25-30

cared for the hurting but could not seem to build any meaningful relationships that lasted

or grew our church. We were about to give up. Then we went to Rural Compassion

hosted by PennDel at the Bongiorno Conference Center.

We were so encouraged and inspired, and we gladly accepted the products, advice,

training and support that were given by Rural Compassion/U.S. Missionaries Kim and

Laurel Harvey. As we returned home to pray and embolden our small but faithful church,

we laid out a plan: do whatever needed in order to grow and support relationships in our

community. We would “fly kites” and “build bridges” with the Volunteer Fire Company,

Ambulance Corps, State Police, local day care center and our elementary school.

Now, six months later, we are invigorated again! We created a community outreach called

“Loving Greene-Dreher.” We now have hope, joy, expectations and relationships!

We now know the leadership of the Fire Company who have helped in our outreach

to the school as well as the State Police in three different barracks (and two Station

Commanders will take my calls). The principal of the school has given me his personal

cell number, and teachers from our school are telling teachers in other districts about our

relationship. The school nurse loves us (her words!) and even a couple of local businesses

are open to helping when they can.

God has extravagantly provided seed for the

sowers to make bread for others to eat, and He

gets the glory as He watches people from all

over the community give Him thanks.

For more information on

RURAL COMPASSION go to

penndel.org/ruralcompassionspring

LOVING GREENE-DREHER

• A new Keurig in the teachers’ lounge with

different coffees.

• The principal gets his favorite hot cocoa each

month.

• Classrooms are given a five-pound jar of

animal crackers each month (they love that!)

• Through a giving partnership, we were able to

provide new, name brand shoes to all 300 kids

last month.

• The kids also got snacks, fire company

magnets and stickers, junior state police

stickers, and pencils.

• A local business helped provide 900 pairs of

socks for us to take to the school.

• The school nurse received three tote boxes

full of new T-shirts and hoodies to give to

the neediest kids. She also received 100

toothpastes/toothbrushes. We have provided

the school nurse with modesty packs for girls.

• The Fire Company got cases of Gatorade,

sports drinks and iced tea as well as their

favorite gift: a dozen Minions! They will use

them to calm and distract children during

emergencies.

• Our Ambulance Corps got supplies.

• The local daycare got food, drinks, paper

products and cleaning supplies.

• Many people showed up to help us with the

shoe give away and now recognize us in town.

14 | Network connexions | Winter 2018


CHRISTIAN EDUCATION George Krebs | 717.795.5921 | george@penndel.org

2019

A Discipling Year

Let’s make this a year to be strategic in making disciples. We want it – we talk about it – we intend to do it.

But our time, our resources…but…but…but. Let’s just do it now!

Maybe we can simplify making disciples by looking at the great commission in Matthew 28. ‟ 19 Therefore go

and make disciples of all nations, baptizing them in the name of the Father and of the Son and of

the Holy Spirit, 20 and teaching them to obey everything I have commanded you. And surely I am

with you always, to the very end of the age.” (NIV)

SIMPLE INSIGHTS:

• Make disciples everywhere

• Baptize disciples

• Teach them to obey everything

Jesus commanded

• Jesus will help us to the end

Sounds easy enough, right? So we

(leaders and mature believers) should

always be making disciples through

sermons, classes, small groups and

mentoring relationships. It seems simple

enough to help people become disciples.

THE TRUE MARKS OF A

DISCIPLE ARE…

1. Baptism (publically proclaiming

ones faith)

2. Obedience to everything Jesus

taught

WHAT’S NEXT?

Plan much of this year’s sermons, classes,

small groups and mentoring relationships

around discipleship themes. Pick out 3-4

core discipleship themes (Prayer, Giving,

Relationships, Forgiveness) for the first

year. Randy Frazee in his “Christian Life

Profile Workbook” offers 30 competencies

that should apply to a follower of Christ.

WHAT CAN WE DO?

Help those in your congregation measure

their need and progress. There are several

inventories and resources available. This

not only helps individuals, but it can also

help church leadership if the results are

shared. Planning for the future will now

help you hit those target areas of growth.

WHEN IS THE DISCIPLE PROCESS

COMPLETE?

Never! Disciples are lifelong learners; more

than that, disciples should have lifelong

obedience to everything Jesus taught –

something I’m still working on after serving

God for forty-three years. Now I know why

Jesus says, “I am with you always, to the

end of the age.” Disciples need to grow

and mature forever.

BE ENCOURAGED.

Remember the work of disciple-making

never ends. Walking along side of people

while living out the Christ-Life is an

adventure. A large group of people are

at varied stages of growth; many times

a smaller group touch is needed. Not all

converts are disciples, and there is no

foolproof strategy.

Just ask Jesus about disciples: after 3

years of walking and serving alongside

Jesus, hothead Peter cut off an ear (Jesus

fixed it), Thomas refused to believe Jesus

about the resurrection. Judas betrayed

Jesus, then committed suicide, and then

they all quit the ministry and went fishing.

Only the arrival of the Holy Spirit put them

back on track. Now doesn’t that make

you happy that we are Pentecostal!

Below are some assessments to help

you measure the needs of disciples in

progress:

• “Spiritual Health Assessment

Tool” (disciplelabs.com) (Free)

• “Christian Life Profile Assessment

Tool Workbook” (Randy Frazee)

Available from Christianbook.com and

Amazon at minimal cost

• “Spiritual Life Inventory”

(Contact george@penndel.org) (Free)

Many more online (Disclaimer: Be mindful

- not all are Pentecostal-friendly!)

Network connexions | Winter 2018 | 15


YOUTH MINISTRIES

Doug Sayers | 717.795.5921 | dyd@penndel.org

YOUTH ALIVE MISSIONARY

Lee Rogers | 717.795.9780 | lee@reachtheschool.com

Hitting the Reset on Youth

Ministry in a Small Church

By Pastor Ben Rivera

Jamison, PA

AFTER ALMOST 25 YEARS IN YOUTH MINISTRY (19 years at the same

church and loving it), my wife Kristi and I felt the Holy Spirit calling our family to make a move.

We became lead pastors of a church revitalization with no active youth ministry. God has an

incredible sense of humor! My title has changed, but I haven’t lost my passion for student

ministries. We’ve been given a chance to be a part of God's plan to reach students in a new

location. After all, what is better than one thriving and active ministry? Two thriving and active

ministries.

Pastor Ben Rivera

and his wife, Kristi,

have served together

in ministry for over

25 years in the

New Jersey and

PennDel Districts.

He is currently the

Lead Pastor of New

Beginnings Church in

Jamison, PA.

In addition to the responsibilities of pastoring a church, we committed to hitting the reset button

on youth ministry through prayer, fasting, and by getting a regular meeting of students started. I

preached about the important role that children and teens play in the life and ministries of the

church. We started having monthly youth get-togethers just a few months after arriving. Along

with students from UVF, we began to build relationships with teenagers. We encouraged them

to get involved in ministry, to seek the Holy Spirit and to spend time in His presence. All of these

elements were instrumental in getting us to where we are today.

In just the past few months, we have seen our students start to serve in church ministries, give

to missions through Speed the Light, and attend youth convention and youth camp (our girls

were the camp Bible Challenge champions for week 1)—the reset is underway. A huge boost to

the youth ministry came from attending the Fearless: One Day to Make a Difference conference.

It was the catalyst that emboldened our teens and gave them a desire to live out their faith in

public and to invite their friends to Jesus and to church. On national See You At The Pole day,

we had students praying at 6 different schools, and many of them invited their friends to join

them.

The reset is working, and the youth ministry is growing! Previously, we didn’t have a youth

ministry. Now, we have 15-18 young people attending our weekly after-church "Student

Hangouts," run by my son Benjamin. Parents are excited and getting involved by donating

lunch and snacks. The church is excited because of the new faces and the energy the students

bring. One mom recently said, "I now see a passion for the things of God in my sons, and I

am so happy!” I know God is happy, too.

We became lead pastors of a church revitalization with no active

youth ministry. God has an incredible sense of humor!

16 | Network connexions | Winter 2018


WOMEN OF PURPOSE Ruth Puleo | 717.795.5921 | ruth@penndelwomenofpurpose.org | penndelwomenofpurpose.org

Hitting the RESET with Women in Leadership

IT TAKES A LEADER TO GROW A LEADER

Considering that 55% of the people God has called us to lead are women and girls, we want to make it a priority

to invest in the leadership development of over half of our constituency. As a leader, we are called to develop and

empower leaders to strengthen our team and prepare for the future. What makes a great leader is when we can

multiply our effectiveness and ultimately replace ourselves with gifted, called and equipped leaders. Here are some

ideas to do this more effectively:

DEVELOP FEMALE LEADERS

There are tremendous benefits to including

women of all ages, backgrounds and levels

of experience to add strength and greater

effectiveness to your ministry team.

DISCIPLE YOUNG WOMEN

Mentorship programs for girls will provide

spiritual growth that can’t happen in a

one-hour Sunday morning service. Let’s be

intentional about connecting young women

with the Naomis of our church. Women in

leadership will inspire others to advance

knowing God has a plan for their future.

HARNESS THEIR POTENTIAL

How can we connect and involve gifted,

anointed and called women sitting on the

sidelines in our church? Appoint a person

that will seek out women with potential,

train them and find a place where their gifts

will be the most effective.

HONOR THEM PUBLICLY

The Old Testament speaks of the power of

the spoken blessing. As leaders, we should

honor and affirm the women in our church

leadership. When leaders honor those who

serve with them, others will follow that

example.

DESIGN RELEVANT CONNECTION

Create small groups that address every

day issues. Plan events where friends can

be invited. Address relevant topics (abuse,

abortion, adoption, etc.) as community

outreaches. Schedule a night out for MOMS

– single, homeschool, preschool or working

moms – to touch the hearts of unchurched

women. Provide a God-encounter as the

connection goal.

ALLOW THEM TO DREAM

Women who are called of God have been

given a dream that God wants to see

fulfilled. The future is bright and full of

potential when we, as leaders, develop

the women God has called us to lead to

become the leaders they are meant to be.

18 | Network connexions | Winter 2018


GIRLS MINISTRIES Sharon Poole

sharonp@pdgirlsministries.com

penndel.org/girls

Celebrating the

ROYAL RANGERS Greg Scott

302.697.2313 | gscott@pdrangers.org

www.pdrangers.org

WINS

“Well done, good and faithful servant! You

have been faithful with a few things; I will

put you in charge of many things. Come

and share your master’s happiness!”

Matthew 25:21 NIV

This scripture is often read at the home-going

celebration service of believers who have been faithful

through many years. However, for just a few moments,

I would like to apply it to two young women who have

been and continue to be faithful to the Lord.

Dr. Frank Hughes (father), Hannah,

local newscaster Sally Wiggin,

cousin Emily Bennett, Sarah

Hughes (mother) holding Rebekah

(sister), Rev. Tim Bennett (cousin)

Ashley Blocker Ibrahim (l to r)

Jill Luzier, Chris Benick,

Ashley, Sharon Poole

Ashley Blocker Ibrahim was

raised in central Pennsylvania

and attended New Life

Assembly in Grantville, PA.

Ashley and her sisters were active in the Girls Ministries Program

there. In 2008 she was awarded the Gold Medal of Honor for

completing all of the Girls Ministries Programs and Honor Steps.

Ashley followed her calling to teach and attended the University

of Valley Forge. Upon graduation, she moved to Egypt and taught

Kindergarten in Cairo. As a teacher, Ashley was able to “live Jesus”

before many who had never met him.

In 2013 Hannah Hughes

of Mount Morris, PA was a

Prim at Full Gospel Tabernacle and loved learning about reaching

others for Jesus. Her heart for missions led her to celebrate her 7 th

birthday by collecting over 1100 pairs of shoes instead of presents

for herself. Five hundred of those pairs of shoes were sent to a

Mission in Nicaragua. The remaining 600 pairs were sent to a

community that was affected by several tornadoes in the Midwest.

In Girls Ministries I believe that it is not about the program.

It is about the outcome! Well done, my dear friends!

Our district turns out some of the finest Royal Ranger leaders in

the nation because of our training and passion for the ministry.

These men have not only served on staff in our district, but have

gone on to serve on staff for the Regional and National Royal

Rangers as well. Some of the more recent leaders are Paul

Walters who served as National FCF President; Dwight Walters

who currently serves as the Northeast Region Coordinator;

Darren

Geesamen,

past Regional

Coordinator;

Herman

Geesaman

past FCF

Territorial

Rep for the

Northeast

Region;

Branden

Krause, who currently serves as the National

FCF Scribe; Chris Vincent, who currently

serves as the Training Coordinator for the

Northeast Region; Scott Hurt, past Regional

Training Coordinator; Jason Loffredo,

past Regional Events Coordinator; James

Taylor, who currently serves as the Events

Coordinator for the Northeast Region; and

Joshua Schreiber, Territorial Scout for the

Northeast Region (boys position).

These are just a few of the leaders from

the PennDel District that have excelled

in leadership positions. Our district is

constantly being tapped to provide leaders

for staff positions on many different levels,

which allows us to have more input into the

ministry. This signifies, that we have some

of the greatest leaders in the country and

everyone wants them. That is a huge win

for our district, and we celebrate all of our

leaders and the outstanding job they are

doing ministering to the boys and young

men throughout not only Pennsylvania and

Delaware, but the Northeast Region and

entire United States as well. Thank you to all

of the leaders who serve our ministry.

Northeast Regional

EMPOWER Leaders

Conference

Red Lion Hotel

Harrisburg, PA

January 18-19

Winter Survival

Action Camp for

Men and Boys

Royal Ranger

Camp Berry

Honey Grove, PA

February 1-3

BB Gun Competition

Newport A/G

Thompsontown,

PA Campus

March 9th

National RR

LEAD Conference

Dayton, OH

March 14-16

PennDel District

Leaders Conference

Bethel A/G

Carlisle, PA

March 29-30

Network connexions | Winter 2018 | 19


Pennsylvania-Delaware Ministry Network

4651 Westport Drive

Mechanicsburg, PA 17055

Find us online: penndel.org

Follow us on Facebook: PennDel Ministry Network

Follow us on Twitter: #penndelag

HIS Fund announces rate increases for new notes

opened on or after January 1, 2019 as follows:

• 6 month Term Note increases from 2.50% to 2.75%

• 1 year Term Note increases from 2.75% to 3.00%

• 2 ½ year Term Note increases from 3.00 % to 3.25%

• 4 year Term Note increases from 3.25% to 3.50%

• Rates on the Demand Note and the 5 year Term Note will

remain at their current levels of 2.25% and 4.00% respectively.

Investing in HIS Fund is easy. If you’d like to know more,

contact us today for information and a prospectus.

www.hisfund.com • 866-219-0820 (toll free) • 717-796-9784

MINIMUM DEPOSIT TO OPEN A NOTE IS $500.00. THE INITIAL INTEREST RATE

ON ALL NOTES WILL DEPEND ON EFFECTIVE INTEREST RATES AT THE TIME

OF PURCHASE. TERM NOTES PAY INTEREST AT A RATE FIXED AT THE TIME OF

ISSUANCE. ONCE FIXED, THE INTEREST RATE ON A TERM NOTE WILL NOT BE

CHANGED UNTIL THE NOTE MATURES. AT LEAST THIRTY (30) DAYS PRIOR TO

ANY DECREASE IN THE INTEREST RATE ON A DEMAND NOTE, HIS FUND WILL

NOTIFY THE HOLDER OF SUCH CHANGE. *DEMAND NOTES ARE NOT AVAILABLE

IN SOUTH CAROLINA. HIS FUND INTEREST RATES ARE SUBJECT TO CHANGE

WITHOUT NOTICE. FOR MORE INFORMATION OR ADDITIONAL FORMS, VISIT OUR

WEBSITE AT WWW.HISFUND.COM.

THIS INFORMATION IS NEITHER AN OFFER TO SELL NOR A SOLICITATION OF AN

OFFER TO BUY THE SECURITIES ISSUED BY HIS FUND. THE OFFERING IS MADE

ONLY BY THE PROSPECTUS. THE UNSECURED SECURITIES OF HIS FUND ARE

NOT OFFERED OR SOLD IN ANY JURISDICTION WHERE NOT PERMITTED. THE

NOTES ARE NOT SAVINGS OR DEPOSIT ACCOUNTS OR OTHER OBLIGATIONS

OF A BANK AND ARE NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE

CORPORATION, ANY STATE BANK INSURANCE FUND, THE SECURITIES INVESTOR

PROTECTION CORPORATION OR ANY OTHER GOVERNMENTAL AGENCY.

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