• Obtain balances and other account details on your share and loan accounts.
• Make transfers between your share accounts and from your share account(s) to pay your consumer loans, Red-I-cash, Home Equity Line-of-Credit, Home Equity loans, and Visa credit card.
• Obtain loan advances by check or Red-I-Cash to be mailed to you at your address on record on the next available business day.
• Review up to three months of transaction activity on your accounts, excluding Visa and mortgage loans.
• Download selected transactions from regular share and share checking accounts to personal financial management software Quicken and Microsoft Money.

• Federal regulations limit transfers from your money market account to no more than six (6) transfers per calendar month if the transfer is to another of your Vantria Federal Credit Union share accounts or to a third party by means of a preauthorized, automatic, telephonic (ToneLine or oral), or Internet instruction and only 3 of which can be checks.
• The functions and limitations of HomeLine may be updated, without notice, at the option of Vantria Federal Credit Union in order to provide improved service to the membership.

Liability
By applying for online account access, you agree to accept responsibility for protecting the integrity of your Member Number and Password, in order to prevent unauthorized transactions and/or account access. You also agree that Vantria Federal Credit Union may revoke your online access if unauthorized account access and/or transactions occur as the apparent result of your negligence in safeguarding the Member Number and Password. Granting access to your account online or via the Internet to any other person (non-owner) will make you financially liable for all unauthorized access, losses or misuse of the account, until reported to Vantria Federal Credit Union.

Contact Vantria Federal Credit Union at once if you believe your account number/Member Number, Password, or any record thereof, has been lost or stolen, or if your account has been accessed without your authority. Calling 703-913-0700 or 1-800-657-9359 is the most efficient way of contacting us. You may also notify the credit union by mail at P.O. Box 5098, Springfield, Virginia, 22150 or via the Internet by sending your e-mail to vantria@vantria.org. You could lose all the funds in your accounts if you do not notify us within two (2) business days of the loss, theft, or unauthorized access. You can lose no more than $50 if someone accesses your account without your permission. If you do NOT tell us within two (2) business days after you learn of the unauthorized access, and we can prove we could have stopped someone from accessing your account without your permission if you had contacted the credit union, you could lose as much as $500.

If your statement shows any electronic funds transfer you did not make or authorize to be made, notify us within 60 days after the statement was mailed, or you may not recover your loss.

Address and Telephone Numbers
If you believe unauthorized access occurred on your account, or your PIN or Password has been stolen, or that someone has transferred or may transfer funds from your account by accessing your account without your permission, call Vantria Federal Credit Union Monday through Friday between 9 a.m. and 4 p.m. Eastern standard time at 703-913-0700 or 1-800-657-9359, send e-mail to vantria@vantria.org, or mail your correspondence to Vantria Federal Credit Union, P.O. Box 5098, Springfield, Virginia 22150, Attn: Electronic Services Department.

Business Days
For all purposes regarding HomeLine, Vantria Federal Credit Union's business days are Monday through Friday, excluding holidays.

Documentation of Transfers
Your periodic statement will specifically identify each electronic transaction. You will receive a monthly account statement for each month in which you initiate electronic transactions. In any case, you will get a statement at least quarterly.

Additionally, through Vantria Federal Credit Union's HomeLine service, you can view all of your transaction activity at any time.

Charges
There is no service charge for using HomeLine.

Stop Payments
Vantria Federal Credit Union online transactions are processed in "real time" and cannot be cancelled except by performing corresponding reverse transactions.

Liability for Failure to Make Transfers
If Vantria Federal Credit Union fails to complete a transfer to or from your account on time in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable, for instance:

• If, through no fault of ours, you do not have enough money in your account to make the transfer
• If your transfer will go over the credit limit of your line-of-credit loans (Red-I-Cash)
• If the funds in your account are subject to legal process, such as garnishment or attachment, or if the account is subject to a pledge or security agreement
• If circumstances beyond our control prevent the transfer, despite reasonable precautions we have taken
• If you have reported an unauthorized use of your PIN or Password, reported it as stolen, or requested that we issue a new PIN, and we have as a result refused to honor the original PIN or Password.

• If we return checks drawn on your account for insufficient funds or if we are unable to complete an electronic transfer because of insufficient funds
• Where it is necessary for completing transfers
• In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant
• In order to comply with a government agency or court order
• If you give us your written permission

• Tell us your name and account number
• Describe the error or the transaction you are unsure about, including the transaction confirmation number if possible, 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