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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