New Bill Payment Features Available December 12, 2007

Revised Pricing Makes VisionLine Bill Payment Better Than Ever!

FREE! For members with aggregate outstanding loan balances, or aggregate share balances of $20,000 and greater, the service is FREE when used at least three times per month. If less than three payments are made, the fee is $2.95 per month*.

For members with aggregate outstanding loan balances, or aggregate share balances of less than $20,000, the fee is $2.95 per month*. First-time enrollees for this aggregate loan or share category will also receive this service FREE for the first two months!

Don't delay...Sign up today!

Fee according to aggregate loan or share balances (on only the account number where the bill payment checking account resides).

*There is a maximum of 10 transactions per month; each transaction above 10 is charged $.35 each.

What is VisionLine Bill Payment?

VisionLine Bill Payment (VBP) is a service that makes it simple and convenient to pay your monthly bills. All you have to do is verify that the amount you have been billed is correct and then schedule the payment. Your credit union will do the rest.

How Do I Schedule a Bill for Payment?

Bills are scheduled for payment online. Once you're logged on, you simply enter the amount to be paid as well as the date you would like the payment to be sent. The system allows you to schedule recurring payments of the same amount (i.e. mortgage), and the bill payment history speeds the process of paying billed amounts that vary from month to month (i.e. credit card) by retaining payee contact information.

How Can I Be Sure Payments Will Be Made on Time?

The credit union requests that VBP users schedule bills for payment at least 5 business days prior to the bill's due date. Payments are sent one business day following the debit date from your checking account.

How Much Does It Cost?

Effective January 1, 2004, Visionline bill payment becomes even better with revised pricing:

• For members with aggregate outstanding loan balances, or aggregate share balances of $20,000 and greater, the service is FREE when used at least three times per month. If less than three payments are made, the fee is $2.95 per month*.
  
  
• For members with aggregate outstanding loan balances, or aggregate share balances of less than $20,000, the fee is $2.95 per month*. First-time enrollees for this aggregate loan or share category will also receive this service FREE for the first two months!

*There is a maximum of 10 transactions per month; each transaction above 10 is charged $.35 each.

New signups will receive the service free for the first two months. For fee purposes, aggregate balances are calculated on only the account number where your bill payment checking account resides.

The Credit Union Advantage

Your credit union's VBP system is designed to simplify an unfortunate necessity -- paying bills. As a member, you are an owner of the credit union and the inspiration for our strategy of providing high quality financial services at affordable prices, combined with the convenience and personal service other financial institutions just can't provide. We owe it to you.

How Do I Sign Up?

Print off, fill out, and sign the VisionLine Bill Payment Member Enrollment Form and fax or mail it to Laura Wasyln. An enrollment confirmation will be sent to you via email within 48 hours (business days) from the date your enrollment form is recieved, at the email address that you provide on the enrollment form. Please call Laura Wasyln at 607-754-7900 or 800-242-2120, ext. 459 if you have any questions regarding enrollment.

Can I Try It Before I Sign Up?

Yes. We have set up a test account for our members to try. The user id is demo and the PIN is demo.

If you have any questions regarding either of these items, please call 786-2000, ext. 459.