Your Quarterly®

THE NEWSLETTER ESPECIALLY FOR MEMBERS OF VACATIONLAND FEDERAL CREDIT UNION FOURTH QUARTER

Community involvement has always

come naturally to VacationLand

Federal Credit Union, and that separates

us from the rest and will continue to

distance us from other local fi nancial

institutions for generations to come.

We’ve become the leader in volunteer support for numerous causes. Much of our involvement is due to a group of high school and college-aged young adults from our community, known as the Change Agent Squad (CAS). They have been meeting monthly since this past July to discuss unique and creative ways for us to stay active in our community. They are young leaders dedicated to making our community a better place by creating positive change and increasing people’s abilities to manage future change. The CAS has blossomed from a handful of students at our fi rst meeting, to a group of over 25 by year’s end, with each person bringing creative solutions and different perspectives. Our Change Agent Squad has inspired your credit union to embrace the choice to continue to grow, contribute, and give back to the communities we serve.

The CAS demonstrated this philosophy in 2010 by spearheading events such as Cans 4 A Cause in September, and Toys 4 A Cause in December. Cans 4 A Cause brought in nearly 2,000 canned items, which were donated to the Victory Temple Soup Kitchen. Toys 4 A Cause delivered much-needed toys to the Erie County

CAS is all about Change, Growth, and Community

VermilionVineyard Square Plaza1607 State Route 60Vermilion, OH 44089T: 440.967.5155

Sandusky2911 S. Hayes Ave.Sandusky, OH 44870

Sandusky2409 E. Perkins Ave.Sandusky, OH 44870

Norwalk461 Milan Ave., Ste. 6DNorwalk, OH 44857T: 800.691.9299

*

Sa24Sa

T: 419.625.9025

T: 800.691.9299

CU*Talk: 419.621.8328

www.vlfcu.org

DIRECTORY

VLFCU BOARD VACANCIES

Like us on Facebook at facebook.com/VacationLandFCU for future events. Or watch videos from our past events on our YouTube channel at youtube.com/user/VacationLandFCU

Want to make a difference and join the VacationLand FCU Change Agent Squad?

(cont. on back)

(cont. on back)

(From left to right) Robert Daniel, Martha Thomspon,

Marcia Renande, Richard Howell

There are three vacancies coming up in 2011 for your VLFCU Board of Directors. To fi ll these seats on the Board, two of which carry three year terms and a third which carries a two year term, an election by all eligible members will be held in March.

After serving three consecutive terms, Jim Vaccaro has decided to retire from Board at the end of his current commitment. Thank you, Jim, for your dedicated and loyal service to the credit union over the past nine years. Your enthusiastic participation on the Board has helped to guide us to achieve our goal of becoming the premier fi nancial institution in the area.

Current board members, Martha Thompson and Marcia Renande, have notifi ed the Nominating Committee of their interest to run for a second and third term respectively.

Martha has been a member of VLFCU over 25 years and recently stated that “as a board member, it has been an inspiration and rewarding experience to be involved with the management team as it has grown and developed into a dynamic and innovative group.” Martha is a graduate of the Providence School of Nursing and has been employed by Firelands Regional Medical Center, Erie County Health Department and Cedar Point. She and her husband Fred have two adult children and live in Sandusky.

Marcia Renande, also a Sandusky native, recently retired from Firelands Regional Medical Center after 33 years of service. She is a LEADS (LEC — Leadership Erie County) graduate and also an active board member for Kinship, Inc. She has been married to Ron Renande for 42 years and has two daughters

CAS is all about Change, Growth, and Community cont.

Department of Jobs and Family Services, who was also in attendance. Both events were successful in delivering a message of hope, and improving the quality of life for so many in need in our community. Because of our CAS, local families didn’t have to worry about having enough to eat or how to make Christmas a little brighter for their children.

Change is about people, and the Change Agent Squad is always looking for more like-minded individuals with a passion for service and community improvement. The CAS has a full slate of events scheduled for 2011 and we are poised to make community improvement a priority in 2011. If you, your son, or daughter are interested in becoming a member of the VLFCU Change Agent Squad, be sure to “like” us on Facebook and let us know. After all, every one of us is already a change agent, because all of us have the ability to infl uence others. VacationLand FCU is indeed fortunate to have assembled such an outstanding group of young members to gently remind us of our continued responsibility to — and involvement in — our neighborhoods. Our thanks to these dedicated youths who give so unselfi shly of their time and talents.

Debit Or Credit?Quite a common phrase — one heard every time we shop with a debit card. You might fi nd yourself wondering, “Which do I choose?” “Why does the cashier care?” “Why should I care?” You should care. Because every time you choose Debit over Credit your credit union loses income. Income that is used to support the network that affords you the convenience to use plastic instead of cash, which in turn provides increased safety. The cashier cares because, you don’t pay this charge, the merchant does. And even though it is their share of supporting this network, when you choose Debit they pay less and we pay more. Further, you should care because there is regulation currently under review by Congress that would limit what income your credit union can earn on these Credit transactions — making offering Debit cards that much more expensive. So, which do you choose? Choose Credit.

her, you should care because there is ntlouditraDeex

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ly under review by uld limit what t union can earn ansactions — ebit cards xpensive.

Are you a primary account holder at VLFCU, a senior

in high school, and plan to pursue professional,

vocational, or academic studies that are not limited

to colleges and universities? If you answered

“yes”, now is the time to apply for one of six VLFCU

scholarships being awarded in April.

This scholarship program was established to recognize and honor student members based upon leadership and citizenship, without regard to fi nancial need. Scholarships will be awarded based on the following criteria:• leadership qualities• involvement in school• involvement in community• written essay

Because our scholarship program is proving to be very popular, the deadline for submitting completed applications has been extended to April 15, 2011. Applications may be submitted in person or by mail (must be postmarked by April 15). VLFCU will award six $500, nonrenewable scholarships in April 2011. An impartial Scholarship Selection Committee will select the six fortunate recipients.

Time’s running out, so stop by one of our offi ces and pick up an application today.

VacationLand Federal Credit Union Quarterly Connection | Fourth Quarter 2010

and three grandchildren. As a VLFCU Board of Director, Marcia stated that she “will continue to work with the current Board of Directors to strategize to provide the best services and rates for our members...”

The Nominating Committee has also added Richard Howell and Robert Daniel to the list of candidates.

Richard (Dick) Howell was employed at New Departure/Delphi for 32 years where he worked in the Model Shop before retiring in 2007. He and his wife, Linda, have been married for 43 years, live in Sandusky and were also together in the apartment rental business for 12 years. They have three grown sons and two grandchildren.

Although Robert Daniel is fairly new to VLFCU, he has been a credit union member since 1952. He held Passbook #5 in the Grill Meat’s Employees’ State Credit Union, serving as its Treasurer for the fi rst 15 years and other offi ces and committees for the following 15 years. His experience also includes several non-profi t boards, including Goodwill Industries, Catholic Cemeteries of Sandusky, the Pines Retreat Center in Fremont, and 16 years on the St. Mary’s High School Finance Committee.

In addition to the above candidates provided by the Nominating Committee, nominations may also be accepted from the membership by petition. A minimum of 150 signatures and a maximum of 500 signatures must be collected and fi led with the Secretary of the Board by February 15, 2011. Petitions may be sent to the Board Secretary at 2409 E. Perkins Ave., Sandusky, OH 44870. Printed ballots will be sent to eligible credit union members no later than March 1, 2011, and all executed ballots must be returned by March 25. The annual meeting is scheduled to be held on Wednesday, March 30, at which time the Chairman of the Board will announce the election results.

VLFCU Board Vacancies cont.

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