General: Promotion rates and terms are available on new loan accounts only. Refinancing 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. Promotion rates good on applications received January 1, 2008 through March 31, 2008. APR = Annual Percentage Rate. Variable rates may change monthly. Rates based on credit worthiness and may vary from those shown, other rates and terms available. Ask for details. All loans subject to standard credit criteria. 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.

***Refinance rebate is 1% of amount refinanced with maximum rebate of $100. First Mortgage, Home Equity, and Tax Saver not eligible for rebate. Must see Loan Officer to receive credit card rebate.