The PenFed logo and the phrase 'Manage your account online'.

The ad opens with the PenFed Credit Union logo and text on a white background, juxtaposed with a woman in a winter coat and hat smiling at her phone, with blurred festive lights in the background. The scene then transitions to a cozy indoor setting where four people are gathered around a coffee table, chatting and enjoying drinks. The PenFed logo reappears, followed by text and legal disclaimers.