When you enroll with Virtual Branch® Services as a Credit Union member, you can perform home banking tasks, and communicate with the Credit Union quickly and easily from the comfort of your own home or wherever you might happen to be. These services provide secure access at any hour of the day. If you have questions, help is at your fingertips. Virtual Branch provides several resources including on-line interactive help, electronic messages to customer service, or you can simply pick up the phone.

To subscribe to the service, contact the Credit Union to obtain an enrollment application. Once filled out, this application should be returned to the Credit Union for immediate processing. Your application will be validated and you will be enrolled in the service. Once enrollment is complete, you will receive a unique User ID and a temporary Security Code. The first time you access Virtual Branch; you must change this temporary Security Code to another code you select. A Security Code may be any 4- to 8-digit number you choose, but we strongly encourage using the full eight digits for maximum security. Protect this code just as you do for your ATM PIN number and change it often. If you forget your Security Code, contact the Credit Union and the Service administrator will reset your User ID after confirming your identity.

Virtual Branch Home Banking allows you to review account balances and history, transfer funds, review and change scheduled transfers, and look at transfer history.

The Account Summary feature provides a list of your accounts including account number, type of account, and available balance. When you select an account from the list of accounts, you are presented with the Account Detail screen including current balances, rate information, next payment date and amount on loans, and other useful information about the account. This screen also includes up-to-the minute transaction history for each account. Each transaction is displayed with posted date, amount, type of transaction, and balance afterward. Some types of accounts have additional history information as well. You may view transaction history as far back as your Credit Union keeps the information on-line.

The Account Transfer feature offers three types of transfers:

• Immediate - A transfer is attempted immediately. You are notified immediately if the transfer is successful, similar to an ATM transaction. The money is actually moved based on the same schedule as transactions performed at an ATM.
• One-time - A transfer is made on a date that you specify.
• Automatic - A transfer is made starting on a date and as many times as you specify.

Transfers that are set up for future dates are called "scheduled" transfers. These transfers may be either one-time or automatic. The first transfer date may be no more than 18 months in the future. Scheduled transfers are processed on the scheduled date. Transfers scheduled for non-business dates (such as January 1 or weekends) are processed on the next business day for one-time transfers and on the previous business day for automatic transfers.

The Scheduled Transfers feature allows you to review pending one-time or automatic transfers or cancel a transfer before it occurs. You may also change information, depending on the type of scheduled transfer:

• One-time transfer - You can change the amount and date of the transfer.
• Automatic transfer - You can change the amount, next transfer date, number of transfers, and transfer frequency. Any change will affect all future transfers.

If you want to change the FROM or TO account, you must cancel the transfer and set it up correctly. An immediate transfer takes place the instant it has been confirmed, so it cannot be modified or canceled afterward.

The Transfer History feature provides the details and status of transfers that you have made. You may select which transfer(s) you want to review. If you do not specify any criteria, all available transfer history will be presented. If you specify:

• Account number - You will receive history for all transfers for that account.
• Transfer dates - You will receive history for all transfers from the start-date to the end-date specified.
• Transfer amount - You will receive history for all transfers within plus or minus $10 of the specified amount.

If you want to direct the search to a more restricted list of past transfers, you may specify any combination of transfer details.

You can use Mail IT to communicate with Credit Union customer service. Mail IT allows you to review, save, and delete received messages and to send new messages to Customer Service. You can use Mail at any time to communicate questions, problems, or requests. Communicating has never been so simple.

From time to time, you may be notified by automated messages of problems resulting from your use of the Service. You are notified immediately after you Login to the Service of any new messages in your Inbox.

You can use Personal Options to change your Security Code and to add or delete an account. You may also use Personal Options to change personal information on the Service; however, you must also notify the Credit Union directly of any relevant changes to this information, as these changes do not propagate from the Service to the institution's teller files.

At the time of enrollment, the accounts you specified were set up for you on Virtual Branch. After enrollment, you may change account information as follows:

• Add a new account to home banking
• Delete an existing account from home banking

You may only delete an account from the service after all scheduled transfers or payments attached to it have been canceled.