As we approach the halfway point to the year, I am happy to report that the credit union remains fi nancially strong and on solid ground. As of the end of May our ROA remains a healthy .71% and our capital ratio continues in the “well capitalized” category at 9.56%. The credit union continues to grow in both asset size and membership. I would like to formally welcome the 130 new members that have joined the VLFCU family in 2013 and trust that you are fi nding your experience with the credit union to be rewarding and fulfi lling.

We continue to move forward with our Hayes expansion project and are quickly approaching our original planned start date. All construction plans have been completed and distributed to a select list of general contractors for the bidding process. Final bids are to be completed and submitted to the credit union by June 21. The construction committee will review the bids to prepare a fi nal budget and recommendation to the board. I am pleased to say that as of this report, we are still on target to start this project by the middle to end of July with a completion date of July 2014.

With family summer vacations in full swing, remember that you have over 5,000 credit unions available to you through Shared Branching. This is a safe and convenient method to access your funds when traveling throughout the country. Be sure to ask our staff for details before you embark on your next trip. Whateveryour plans, I do hope that all members enjoy the summer season!

Best Regards, Bryan P. MyersCEO

CEO Report: Summer Growth

Your Quarterly®

THE NEWSLETTER ESPECIALLY FOR MEMBERS OF VACATIONLAND FEDERAL CREDIT UNION SECOND QUARTER 2013

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

Norwalk295 Milan Ave., Ste. CNorwalk, OH 44857T: 419.668.6346

Do you recognize any of the faces on billboards in the

area? As part of our new summer campaign, several VLFCU

members are helping us feature different loan products. We

would like to thank fi rst-time home buyers Chad Gerold,

Kasandra Garcia and Gracie Garcia; the mother/daughter duo

of Susan Aaron-Brown and Shaconda Aaron; and business

owners Ryan Whaley and Nikki Lloyd for their participation in

this campaign.

VacationLand hired Stephanie

Helton in April to fi ll the position

of Credit Analyst. Helton, a

graduate of Norwalk High School,

received her Bachelor of Science

in Business Administration with a

specialty in Finance from Bowling

Green State University in 2003.

She will report to the Senior

Vice President of Commercial

Lending and brings nine years of

prior commercial underwriting

experience to the team. Helton resides in Norwalk with her husband,

Max, their three daughters, and her step-daughter.

Sa24Sa

T: 419.625.9025

T: 800.691.9299

CU*Talk: 419.621.8328

www.vlfcu.org

DIRECTORY

Do you recognize any of the faces on billboards in the

Member Messages

NEW ADDITION TO THE

MANAGEMENT TEAM

EMPLOYEE SPOTLIGHT:EMPLOYEE SPOTLIGHT:Tom GosserTom Gosser

This section of our newsletter is generally intended to highlight a different employee each month so that our members are more familiar with our staff. This time, however, we would like to “spotlight” the accomplishments of someone we lost, but who was admired by us and so many of our members.

On May 2, 2013, Tom Gosser, who served as head teller at the Hayes Avenue branch, passed away unexpectedly following complications from surgery. It deeply shocked the entire staff, many of whom had worked with Tom since his start with the credit union back in 1996. Tom was a 1984 graduate of St. Mary High School and had worked for Cedar Point and O.E. Meyer before settling on a career with VLFCU. A resident of Huron, Tom was a huge sports enthusiast and was known as an avid bowler and golfer. He coached baseball for many years with the Huron Baseball/Softball Program and coached his son Brian’s middle school bowling team. He enjoyed following professional ball, particularly the Raiders, Orioles, Columbus Blue Jackets, Cavs, and Tony Stewart!

Along with his volunteer work as treasurer and sponsor representative for the Huron Baseball/Softball Program, Tom was also part owner of Gosser Bros. Screen Printing shop in Huron. He will be greatly missed by all the lives he touched, whether that is here at the credit union working on the teller line, out on the baseball fi eld or in his church community at St. Pete’s in Huron. Our heartfelt sympathy goes out to his wife, Christine, and his two boys, Kevin and Brian.

VacationLand Federal Credit Union Quarterly Connection | Second Quarter 2013

250,000

2013 Scholarships AwardedEach year VLFCU selects six very deserving student members to receive a $500 scholarship towards their post secondary studies. Winners were chosen based on information provided in their applications relative to leadership qualities, school and community involvement, and their essay response to challenges facing the US economy today. We are pleased to announce the following scholarship recipients for 2013.

Michael Dorski: Michael, a senior at St. Mary Central Catholic, plans to pursue a career in physical therapy. Active in all high school sports, Michael was also involved in the Boy Scouts and volunteer work at church.

Hannah Halbeisen: Hannah, who is graduating from Perkins High School, is heading to Bowling Green State University this fall to pursue a double degree in Political Science and Sociology with the goal of entering law school. She is an excellent scholar and was involved in a variety of activities in high school, from sports to clubs.

Tyler Humphrey (not pictured): A senior at St. Mary Central Catholic, Tyler plans to attend the University of Akron, majoring in Supply Chain Management and International Business. He was active in Teen Leadership and VLFCU’s Change Agent Squad along with high school sports and Buckeye Boys State.

Ross Johnson: Ross graduated from Huron High School and plans to pursue the study of foreign languages and cultures. Along with his passion for Spanish, Ross is also highly creative, demonstrated by his interest in art, music, band, theater, photography and visual communications.

Alex Mills: After graduating from Sandusky High School, Alex plans on studying Political Science at the University of Mount Union. While in school, Alex was active in National Honor Society, Buckeye Boys State and band. He also worked as an intern for Jeff Krabill’s campaign in 2012.

Tyler Smith: Tyler, a graduate of Margaretta High School, will attend Ferris State University in the fall to begin his studies in Professional Golf Management. He is active in his church, Teen Leadership, and in “Students Against Destructive Decisions” — SADD.

The staff at VacationLand wishes all of our graduating members all the best as

they pursue their future endeavors and dreams!

SAVE ON CREDIT CARD DEBTWouldn’t it be great to have more money to do the things you love? At VacationLand Federal Credit Union we are providing a low 2.99% APR on credit card balance transfers. For twelve months you can take advantage of this great rate with no balance transfer fee. Pay off debt faster, watch bills shrink and make your life easier with just one monthly payment. Imagine what you can do with more money in your pocket! This offer ends October 31st, 2013.

Membership eligibility is required with a minimum deposit of $25.00 in a Share/Savings Account. Member must be in good standing with VLFCU. No promotions are eligible with any other offer or discounts. “APR” = Annual Percentage Rate. Credit Card Balance Transfer rate of 2.99% for twelve months applies to only balance transfers and such transfers occurring from July 1, 2013 to October 31, 2013. Balance transfers may not be used to pay down an existing VLFCU Visa. Interest will begin to be charged on balance transfers on the transaction date. After the promotion period ends, the credit card will be charged the standard APR assigned at account opening or your current VLFCU rate (Prime+3.90% to 17.90% as published in the Wall Street Journal.) Credit Card rates are determined by the borrower’s credit score. Rates will not vary above 18.00%. The promotional rate of 2.99% APR for balance transfers is subject to change or cancellation without notice.

SUMMER HOLIDAY CLOSINGS

Discounts on Fun!

All VLFCU branches will be closed to observe the following holidays:Independence Day – July 4, 2013Labor Day – September 2, 2013ATMs and online banking will be available for your convenience.

VLFCU members can take advantage of discount tickets to Cedar Point. Adult, one-day tickets are being sold for $44.00; that’s a $10.99 savings! Purchase at any VLFCU branch and use any day during the 2013 season. Soak City day passes are also available for purchase.