ALERT

IT'S ME 247 | CU*TALK CHANGES EFFECTIVE FEBRUARY 14, 2010

Your security is important to us and we are looking forward to implementing these new changes.  If you need assistance or have questions about these changes, please let us know.  Thank you!

• Monitor share account balances
• Verify Share/Draft Checking Account balance
• Check account transactions
• Term Share Certificates balances
• View loan balances or payoffs
• Make loan payments
• Dividends earned 
• Transfer funds between accounts 

• PC/Mac/Linux
• 32MB RAM
• 128-bit encryption capable web browser (Internet Explorer 7, Safari or Mozilla Firefox)

It'sME247 Online Banking Agreement & Disclosure

The following terms and conditions apply to It'sME247

For a monthly fee of $1.00, It'sME247 includes all of the services listed above. You agree to promptly pay any fees that may be required for certain services provided through It'sME247, and you authorize us to charge your primary checking account or any other account for the appropriate fees. VLFCU may offer additional services in the future. This Agreement is intended to cover all services offered through It'sME247.

C. Consumer Requirements for It'sME247
Each person or business who wishes to use one of the services must register for the services in his or her own name, have an active share account and Personal Identification Number (PIN) to access their accounts. Browser software, and at least one deposit account at VLFCU are also required. (In this Agreement, your computer and the related equipment are referred to together as your "Computer"). You are responsible for the installation, maintenance, and operation of your computer and browser software. The risk of error, failure, or non-performance is your risk and includes the risk that you do not operate your computer or your software properly. The Credit Union is not responsible for any errors or failures from any malfunction of your computer or software. VFCU is not responsible for any electronic virus or viruses that you may encounter. The Credit Union is not responsible for any computer virus related problems that may be associated with the use of the It'sME247 service. The Credit Union has no liability to you for any damage or other loss, direct or consequential, which you may suffer or incur by reason of your use of your computer or software. The Credit Union makes no warranty to you regarding your computer or your software, including any warranty of merchantability or fitness for a particular purpose.

D. Unavailable, Delayed or Inaccurate Account Information
The Credit Union strives to provide complete, accurate, and timely account information through the It'sME247 service and via telephone. However, unless otherwise required by law, we will not be liable to you if any such information is unavailable, delayed or inaccurate. With respect to electronic funds transfer problems, such as unauthorized transfers or the Credit Union's failure to properly complete authorized transfers, the extent of our liability is described in section 3B of this Agreement.

E. Disclosure of Account Information
We may disclose Information to third parties about your deposit accounts, loans, or payments or transfers. The Disclosures and Regulations governing your accounts provide the specific terms under which we may disclose such information.

2. Description of Services

A. Service Availability
The service is available any time, day or night, seven days a week, by signing on to the service and entering your base account number and your PIN. The service may be unavailable from time to time for scheduled maintenance. There may also be unscheduled down time, but we will work to minimize such interruptions in service.

B. It'sME247 Functions Available

• Access VLFCU Accounts - There are no limits to the number of VLFCU deposit or loan accounts that you can access through the It'sME247 service to obtain balance and transaction information. The It'sME247 service allows you to review transaction information during the current statement cycle and the previous statement cycle.
• Transfer Funds - you may transfer funds to and from designated VLFCU deposit accounts that are related through the same registration.

C. Limits on Transactions
The maximum dollar limit on any transfer is equal to the available balance in your account or the available balance or credit balance in any other account or line of credit attached to the account, in no event to exceed $99,999.99 for a payment and $999,999.99 for a transfer.

D. Scheduling Payments and Transfers
You can generally enter a payment or transfer through the service 24 hours a day, seven days a week (see "Service Availability" section above).

E. Transfers Between Accounts; Availability of Transfers
Members may designate eligible VLFCU personal checking, savings or money market accounts, and sole proprietor business checking accounts, between which you can transfer funds electronically using the It'sME247 service. You must be an owner of and have the unrestricted right of withdrawal from all accounts to or from which you request a transfer. We reserve the right to deny transfers between certain types of accounts under certain circumstances. Transfers are not available from credit accounts directly to deposit accounts, with the following exceptions: lines of credit. Transfers that are sent to us through your computer via the It'sME247 service will be available in the VLFCU account to which the funds are transferred for payment of items presented through collection, over the teller line or for cash withdrawal no later than the following business day.

F. Restrictions and Fees on Transfer from Savings/MMA (Money Market Account)
Each payment through It'sME247 from a savings or money market account is counted as one of the six limited transfers permitted each statement period, as described in the Disclosure and Regulations.

G. Insufficient Funds
When you use It'sME247, you must have sufficient funds available in the selected account (including available overdraft protection coverage, if applicable) to cover the amount of the transfers or payments you schedule, and any associated overdraft protection fees. We may pay transactions that exceed your available balance, but we are not obligated to do so. If we do, you agree to immediately pay the overdraft and any fees incurred. We may discontinue permitting overdrafts at any time, without prior notice. The amount of the fees are set forth in the Schedule of Fees.

H. Transaction Records
The It'sME247 transaction information will be detailed on your monthly statement for the account to or from which the transfers or payments are made. Transactions that are successfully received by the Credit Union will also appear in the Credit Union's electronic transaction log.

I. Electronic Mail
If you wish to contact us electronically, please use inquiry@vlfcu.org. If you send the Credit Union a message in this fashion, the Credit Union will receive it by the following business day. You agree that we may take a reasonable period of time to act on any message. If you need to contact us on an urgent matter to report an unauthorized transaction from one of your accounts, please call us immediately at 419-625-9025 or 800-691-9299. This will allow us to ensure that your situation can be addressed as promptly as possible. You agree that the Credit Union may respond to you by use of general or public e-mail with regard to any matter related to the It'sME247 service, including responding to any claim of unauthorized electronic funds transfer that you make. Any such message sent to you by the Credit Union shall be considered received within three (3) days of the date sent by the Credit Union, regardless of whether you sign on to the service within that time frame.

J. Inactivity or Termination
You are responsible for compiling with all the terms of this Agreement and with the terms of the agreement governing the deposit accounts which you access using electronic banking services. We can terminate your electronic banking privileges under this Agreement without notice to you if you do not pay any required fee when due, if you do not comply with this Agreement, or the agreements governing your deposit accounts or your deposit account is not maintained in good standing. If you are not paying a monthly service charge for the service, after 120 consecutive days of inactivity, your service may be automatically terminated without further notice. If your service has been terminated you will need to establish a new It'sME247 account if you wish to begin using the service again.

K. Change in Terms
We will mail or deliver a written notice to you at least 21 days before the effective date of any change in a term or condition disclosed in this Agreement, if the change would result in increased fees or charges, increased liabilities for you, fewer types of available electronic fund transfers or stricter limitations on the frequency or dollar amounts of transfers, unless prior notice is excused by law. As a requirement of being a It'sME247 member, we may send any such notice to you via e-mail or regular mail.

L. Entire Agreement
This Agreement, as it may be amended from time to time, together with any other disclosures or other documents incorporated herein by reference, contains the entire agreement between you and the Credit Union and supersedes all oral conversations, other communications, and previous agreements if any. This service may be terminated at any time without notification.

M. Personal Identification Number (PIN) and Security
A Personal Identification Number (PIN) is required to use It'sME247 and is a security feature. You agree that this security feature is reasonable and is designed to authenticate your transactions and those transactions which you authorize others to conduct for you. You agree that you will not disclose, and will prevent the disclosure of our PIN. If the confidentiality of your PIN is compromised, you shall notify us immediately. You assume sole responsibility for maintaining your PIN. We are committed to the security of our members' accounts and account information. However, you must also take ever precaution to ensure the safety, security and integrity of your accounts and transactions with It'sME247. Your PIN allows access to your accounts and other services provided herein; providing the PIN to another person effectively constitutes a grant of authority to access your accounts under Regulation E. The following guidelines should assist you in ensuring that your accounts and account information remain secure:

• do not leave your account information out in an open area accessible by others, including your computer screen
• do not send you PIN codes or privileged account information over any public or general e-mail system
• do not leave your computer unattended while you are connected to Home Branch Plus+
• do not enter your PIN into Home Branch Plus+ when there are others nearby who could observe you doing so

Please observe these guidelines. Remember, you may be held liable for the authorized use of our PIN (see Section 3, Paragraph a).

3. Additional Provisions for Consumer Accounts

A. Consumer Liability for Unauthorized Use
You agree to notify us immediately if you believe your PIN has become known or an unauthorized transaction has occurred involving your account. Telephoning is the best way of keeping your possible losses to a minimum. Please call us at 419-625-9025 or 800-691-9299, or write to us at: VLFCU, P. O. Box 2257, Sandusky, OH. 44871-2257. Your account is a consumer account if it is used primarily for personal, family, or household purposes. The following two paragraphs apply if your account is a consumer account:

• If you notify us within two (2) business days after you learn that your PIN may have become known by an unauthorized person, you can lose no more than $50.00 if an unauthorized person uses your PIN without your permission to initiate a transaction.
• If you do not notify us within two (2) business days, and we can prove that we could have stopped someone from using your PIN without your permission if you had told us, you could be liable for as much as $500.00.
• Also, if your statement shows electronic funds transfers that you did not make or authorize, notify us at once. If you do not notify us within 60 days after the statement was mailed to you, you may not recover any money you lose after the 60 days if we can prove that we could have stopped someone from taking the money if you had notified us in time. If a good reason (such as a long trip or hospital stay) kept you from notifying us, we may extend the time periods.

B. Credit Union's Liability
We will not be liable if:

• through no fault of ours, you do not have enough available funds in your account to make the payment or transfer
• the transfer would exceed any permitted overdraft line you have with us
• circumstances beyond our control (such as fire, flood, water damage, power failure, strike, labor dispute, computer breakdown, telephone line disruption, or a natural disaster) prevent or delay the transaction despite reasonable precautions taken by us
• your computer, the phone lines, or the Credit Union's computer systems were not working properly or were temporarily unavailable. The funds in your account are subject to legal process, an uncollected funds hold, or are otherwise not available for withdrawal
• we have a reasonable basis for believing that unauthorized use of your PIN, or account has occurred or may be occurring

Unless otherwise required by law, the Credit Union will not be liable to you under any circumstances for special, indirect, or consequential damages, including, without limitation, lost profits or attorneys' fees, even if we are advised in advance of the possibility of damages of such.

C. Reporting Unauthorized Transactions, Payment Problems, Errors, or Questions
Call, write to us, or send a message via inquiry@vlfcu.org as soon as possible if you think your statement, account, or transaction information is wrong or if you need more information about a transaction listed on your statement or shown on the It'sME247 service. We must hear from you no later than 60 days after we send the FIRST statement on which the problem or error appeared. The telephone number and address you may use are 419-625-9025 or 800-691-9299, VLFCU, P. O. Box 2257, Sandusky, Oh. 44871-2257. Tell us your name and account number. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (10) business days or (20 business days if the transaction occurs while your account is a new account as defined in the Funds Availability section of the Account Disclosure and Regulations) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 calendar days (or 90 calendar days for a transaction on a new account) to investigate your complaint or question. If we decide to do this, we will provisionally credit you account within ten (10) business days or (20 business days in the case of a transaction on a new account) for the amount you think is in error. You will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not provisionally credit your account. If we determine that there is no error, we will send you an explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. As an It'sME247 customer, you agree that the Credit Union may respond to you by general or public e-mail with regard to any claim or error or unauthorized electronic funds transfer or any question related to the services. You will be deemed to have received any such message within three (3) days of the date sent by the Credit Union, regardless of whether you sign on to the service within that time frame.

D. Cancellation/Termination of Service
If you wish to cancel your It'sME247 service you must contact us to cancel the service. We reserve the right to cancel your use of It'sME247 at any time. We may cancel your service at any time without prior notice if you have insufficient funds in any of your accounts.