NOT A MEMBER YET? COME PLAY ON THE VISIONS TEAM!

Stop by one of our convenient Visions locations, apply online, or call us at 607-754-7900 (local), 1-800-242-2120 (non-local), and select option 3!

General - Promotion rates and terms available on new loan accounts only. Refi nancing of existing Visions loans does not qualify. Certain relationships required to receive promotion offers – ask for details. Credit union membership required with $25 minimum deposit and $1.00 membership fee. APR = Annual Percentage Rate. Variable rate may change monthly. All loan rates based on credit worthiness, may vary from those shown, and are subject to standard credit criteria. Rates/payments good on applications received 4/1/08 – 6/30/08. Membership available to all residents and businesses in Broome, Chenango, Chemung*, City of Syracuse*, Schuyler* and Tioga Counties (NY) and Bradford County (PA). *some restrictions apply. Fixed Rate Home Equity - Equity loans not to exceed 80% of property value. Visions will pay closing costs on Fixed Rate Equity loans up to $100,000 with a minimum draw of $25,000 and a maximum term of 120 months, with the exception of attorney and research fees. On a $100,000 loan, payment would be $1,884.75 at 4.95% APR for 60 months. Monthly payment is example only and will vary based upon loan amount. Members may pay closing costs which can range from $1,128 to $2,000. Consult your tax advisor regarding interest deductions. Property insurance is required. New or Used RV/Boat - Payment amount based on an $18,000 loan at a variable rate of 5.90% APR with a 120 month term (approx.). Other terms available. Variable rates may change monthly. Home Improvement Loan – Payment amount based on a $10,000 loan at a variable rate of 4.90% APR with a 60 month term (approx.); maximum loan amount $20,000. Other terms available. Variable rates may change monthly. Water/Sports Craft – Payment amount based on a $10,000 loan at a variable rate of 5.90% APR with a 72 month term (approx.). Others available. Variable rates may change monthly. Jet Ski Sweepstakes Official Rules & Offer Information - 1.All members who originate a loan April 2008 - June 30, 2008 are automatically entered to win. You must be 18 or older. Participation is not available to Visions FCU employees, volunteers and offi cials, its agencies, subsidiaries, and their family. Members must be in good standing to enter (not caused the credit union to incur a loss). 2. NO PURCHASE OR LOAN IS NECESARRY TO ENTER OR TO WIN. Participation is open to all members of VFCU wherever located with exceptions as noted in #1. 3. To enter- send a postcard with your name, address & phone number to Visions FCU- Att: Marketing, 24 McKinley Ave, Endicott, NY 13760. One entry per member. 4. Entries must be received by 5 p.m. on June 30, 2008 to be eligible for drawing. 5. Winners will be selected by random drawing, by the VFCU Marketing Dept. and need not be present to win. Any discrepancies or disputes will be settled by the Visions FCU Vice President of Lending whose decisions are fi nal. 6. The odds of winning the prize will depend on the number of eligible entries received. 7. The winner will receive a 2008 Kawasaki Jet Ski® STX® - 15F with trailer (valued at $8,125). The drawing will be held and the winner will be notifi ed by phone on July 14, 2008. Prize is non-transferable. All applicable sales taxes and registration fees are the sole responsibility of the winner. By accepting the prize, the winner gives Visions FCU permission to use his/her name and likeness in promotion related publicity materials, and releases VFCU from any liability connected with prize use. 8. Sweepstakes void where prohibited by law. 9. For the winner’s name, send a self addressed, stamped envelope before July 14, 2008 to: Visions Federal Credit Union, Jet Ski Winner, 24 McKinley Ave, Endicott, NY 13760.