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	Ready to Buy a House? Tell your real estate agent you want to finance with Pro Fed! Our mortgage loans offer you many advantages: QUICK PRE-APPROVAL Loans serviced in-house Competitive rates LOW closing costs LOW mortgage insurance premiums No pre-payment penalties For a limited time, you'll also get FREE pre-approval and $100 off closing costs when you apply for a new mortgage or refinance! Make your payments here with a Pro Fed mortgage! Get the same great service from the lender you know and trust. Just call 260-483-0514 or 800-752-4613 ext. 16 or e-mail contactus@profedcu.org for more information. Or you can start your application online. Subject to approved application and collateral review. FREE Home Buying Seminars Join us for a FREE, no obligation seminar that will give you the answers you need to separate mortgage fact from fiction. May 20, 7 p.m. – 8 p.m. Pro Fed Auburn Branch 506 N. Grandstaff Drive, Auburn Topics for discussion Analyzing your credit situation Strengthening your position Obtaining pre-approval Final steps in the mortgage process Call 260-483-0514 ext. 16 or 800-752-4613 ext. 16 or send an e-mail to contactus@profedcu.org. Call now–seating is limited.
	Home Equity Loans and Lines of Credit Take advantage of this great opportunity to apply for a Home Equity Loan or Line of Credit. Use the loan or line for paying off high-interest debt, home improvements, college tuition, vacation, or whatever you choose! No annual fee No pre-payment penalties No hidden charges No escrow required Short or long-term loans Tax deductibility* No private mortgage insurance No teaser rates No higher rate charged due to credit score or "borrower qualifications" To apply today, call us at 260-483-0514 or 800-752-4613 ext. 11, or visit any of our 11 convenient locations. You can also apply after hours and on weekends with ProLoanConnection at 260-483-0514 or 800-752-4613 ext. 2, or apply online. If you wish, your loan payments can be made easily with automatic deduction from your savings or checking account. Optional payment protection is also available. *Consult your tax advisor concerning the tax deductibility of the interest on your loan or credit line. Subject to approved application and collateral review. Minimum loan amount $5,000. Minimum $5,000 initial draw.
	Spring Loan Special With this consumer installment loan, you'll get a low 7.99% APR (Annual Percentage Rate) when you borrow a minimum of $1,500 (new money) for up to 24 months.* If you prefer a longer term with a larger allowance to borrow, we offer 8.99% APR with a minimum of $2,500 for up to 36 months or 9.99% APR with a minimum of $3,500 for up to 48 months.* To apply for this loan you can visit any of our convenient locations or apply online. It's quick, easy and secure! Just remember to choose "Signature" as the "Loan Type" when you apply for the Spring Loan Special online. APR=Annual Percentage Rate. Approved application required. Payments are calculated on $1,500 at 7.99% APR with 24 monthly payments of $67.86 for a total of $1,628.64. Finance charges total $128.64. Payments are calculated on $2,500 at 8.99% APR with 36 monthly payments of $79.53 for a total of $2,863.08. Finance charges total $363.08. **Payments are calculated on $3,500 at 9.99% APR with 36 monthly payments of $88.80 for a total of $4,262.40. Finance charges total $762.40.
	Pro Fed VISA Gold Compare Pro Fed VISA Gold to other credit cards. Does your credit card offer you these features? Maybe it's time to switch to the value and convenience of Pro Fed VISA Gold! LOW fixed or variable rate No teaser rates Cash advance rate is the same rate as purchases 30-day grace period for purchases 24-hour fraud monitoring Zero liability for non-PIN based transactions on lost or stolen cards LOW over limit fees and late payment fees Friendly local service for all of your questions Exceeding your credit limit or making a late payment will not trigger a rate increase Make payments at any branch, by phone or mail, or electronically through online banking or Touch-Tone Teller For more information about switching to Pro Fed VISA, call 260-483-0514 or 800-752-4613 ext. 12. Click here to apply online. *Annual Percentage Rate. Variable rate effective 4/1/2008.
	NewCarLine Are you in the market for a car three model years old or newer? If you are, here are some reasons to finance your new vehicle with our NewCarLine loan: Pre-approval LOW fixed rate Your rate is locked-in for 90 days Shop with the buying power of check-in-hand Drive it home the day you buy To apply today, call us at 260-483-0514 or 800-752-4613 ext. 11, or visit any of our 11 convenient locations. You can also apply after hours and on weekends with ProLoanConnection at 260-483-0514 or 800-752-4613 ext. 2, or apply online. If you wish, your loan payments can be made easily with automatic deduction from your savings or checking account. Optional payment protection is also available. Subject to approved application and collateral review. Vehicle must be purchased from a licensed auto dealer. Available on autos model year 2006 or newer.
	Pro Fed VISA Gift Cards Take the guesswork out of giving with the Pro Fed VISA Gift Card. The gift cards are valid everywhere VISA is accepted, making an ideal gift for friends and family who live out of town. With several designs to choose from, a Pro Fed VISA Gift Card is perfect for any occasion. Choose from several designs Choose any value from $10–$1,000 Cards are accepted worldwide Get your Pro Fed VISA Gift Cards at any branch, or for more information, call 260-483-0514 or 800-752-4613 ext. 12 or 13.
	Want to Buy a Little More Time? Let Pro Fed Help with Skip-A-Payment Would you like to pay off some of your bills? That’s why we’re offering Skip-A-Payment to members with qualifying installment loans (except mortgages and open-ended lines of credit). With this program, you can pay $25 and skip one payment out of your annual payment schedule (or two bi-weekly payments). Call us today at 260-483-0514 ext. 11 or 800-752-4613 ext. 11 to see if you qualify or print and complete our Skip-A-Payment form and bring it to any branch!
	FREE Sign-up for Our Internet Banking Service With Pro Fed OnLine, our Internet banking service, you get access to all of your Pro Fed accounts. Plus, you can pay bills right from your keyboard (with optional free Bill Payment). Check out these other great features: Internet Banking* View check images! Real time view of account histories and balances. Real time transfer of funds within the account. Real time transfer of funds to joint accounts. Available 24 hours a day, 7 days a week (with minimal service and maintenance interruptions). Stringent security measures. Learn more about our security and the requirements you need to use Pro Fed OnLine. Learn more about how Enhanced Login Security helps protect your online account from unauthorized access. Full-featured demo on-site. Download capability into Quicken®, Microsoft® Excel™ or Money™. E-statements Pro Fed OnLine users can now check their statements online! To activate E-statements, log in to your Pro Fed OnLine account and click the “E-statements” link. Then, enter your e-mail address on the disclosure page and accept. Each month you’ll receive an e-mail notification when your new E-statement is available. We will never request or provide confidential information via e-mail. To view current and new E-statements, you will log in to your Pro Fed OnLine account and click the “E-statements” link. You will need Adobe® Reader® to view E-statements. If you would like to enroll in Pro Fed OnLine to receive your E-statements, fill out this application, print it, and mail it to the address listed or visit any branch. Then follow the steps above to activate your E-statements. Bill Payment and Presentment No Monthly Fees! Use for one-time payments or recurring payments. You setup and maintain the payees and the dollar amounts. Payments are made from your checking account. View bills electronically. Manage payees by category and download custom reports. Order a year-end summary CD. Easy sign up at Pro Fed Online site. You can sign up for the services at Pro Fed's OnLine site by printing the application and filling it out. Then, send it to the address listed or visit any branch location. You can also pick up applications at the branches. *Must notify Pro Fed in writing if canceling service. For business Bill Payment, please contact us regarding Cash Management services.
	FREE Electronic Payments or Deposits from Other Institutions This service allows you to make a loan payment* or share deposit at Pro Fed from another financial institution. Just fill out our Automatic Payment/Deposit Form and either mail it to Pro Fed Attn: ACH Coordinator, P.O. Box 5466, Fort Wayne, IN 46895-5466 or fax it to 260-471-2648. For more information about electronic payments or deposits, visit one of our branches or call 260-483-0514 or 800-752-4613 ext. 13. *Not available to pay Pro Fed Lines of Credit at this time. Allow at least 20 days for this service to take effect.
	Do you want more security when you shop online? VISA is providing more protection for Internet shoppers with Verified by VISA. With this service, you can register your VISA card with a password. Then when you shop online stores that use Verified by VISA, you enter your password for greater protection! Click here to check a list of stores that use Verified by VISA. If you have questions about this service, please contact our VISA department at 483-0514 or 800-752-4613 ext. 12.
	Our Transaction Tickets Are Designed to Benefit You. We are asking our members to fill out Transaction Tickets before beginning any transaction. You will benefit from this improvement in the following ways: Save Time—After a brief transition period, completing the transaction tickets will actually save you time. Your wait in the lobby and at drive-ups will be reduced because we'll already have your signature on your ticket. More Accuracy—Putting your transactions on paper will clarify your intent and decrease the potential for inaccuracies in processing your request. More Privacy—Putting your transactions in writing instead of verbalizing them to a teller eliminates the possibility of this information being overheard by other members waiting in the lobby or at the drive-up window. Ask us for tickets when you visit a branch, at the drive-up or in the lobby, or use the deposit tickets in the back of your checkbook. For your convenience, you can even print out tickets online. Please ask us if you need help filling out a ticket. If you have questions, visit your local branch or 260-483-0514 or 800-752-4613 ext. 13.
	More ATM Convenience Without a Surcharge Fee Pro Fed has joined with Alliance One, a "selective surcharging group," to bring you more surcharge-free ATM locations. Alliance One allows credit unions participating in the network and residing within Indiana, Ohio, and many other states to offer surcharge-free ATM services to their respective members. This means more convenience and savings for you! With over 600 Alliance One ATM locations within Indiana and many more in other states, finding a surcharge-free ATM is easy. Just look for a Plus® ATM with the Alliance One logo (pictured at left). For more information or a listing of surcharge-free ATM locations, call 260-483-0514 or 800-752-4613 ext. 12, or visit Alliance One's web site at http://www.atmallianceone.org.

If you have any questions about this website or would like additional information about Pro Fed, please feel free to contact us at 260-483-0514 or 1-800-752-4613 or e-mail us at contactus@profedcu.org. Copyright �2008, Professional Federal Credit Union. All rights reserved.