• What is HomeBr@nching?

• What computer equipment and configuration will I need to have HomeBr@nching access?

• Is there a monthly fee for using HomeBr@nching?

• How do I sign up for HomeBr@nching?

• Do I have to download programs to make my HomeBr@nching work?

• How do I access HomeBr@nching?

• Should I take special steps to ensure the security of my personal information?

• Is the information on HomeBr@nching timely and accurate?

• How far back can I review my account history?

• Can I access my IRA accounts with HomeBr@nching?

• How do I transfer between my accounts?

• How do I add another account to my HomeBr@nching Account?

• Are there limits to the number of HomeBr@nching transactions I can conduct in a month?

• Will HomeBr@nching automatically close my session if I forget to exit?

• In viewing my loan it shows me to be delinquent, but I have not missed a payment?

• After I “exit” HomeBr@nching I can hit the “Back” button to view previous pages that were viewed earlier in HomeBr@nching. Why?

• How do I clear the browser’s disk and memory cache for HomeBr@nching access only?

• May I paste and copy my access information (ID & PIN) into my HomeBr@nching Login?

• I have a hard time remembering my ID, how do I change it to something I can remember?

• I would like to change my PIN, how do I do that?

• When I print my account transaction history, I find it is too wide for the printed page. What can I do?

• When can I expect the system to be available?

• When I attempt to log-in using my HomeBr@nching ID and PIN, it says that my account is currently locked. Why?

• When I login to HomeBr@nching, it says hello, but not to me. Why?

• I can not get past the page that says, “This site requires 128-bit encryption." How do I upgrade my browser?

• When I attempt to log-in I receive a message box that says, “ An error has occurred that prevents us from completing your request." What could the error be?

• When I attempt to log-in and access HomeBr@nching, response time is slow between 5:00pm and 8:00pm CST.

• When I attempt to log-in the HomeBr@nching ID and PIN are reset back to blank field and no error messages are on the screen. What could be the problem?

• Why does HomeBr@nching use "cookies"?

• Where can I get additional help?

GETTING STARTED

Note: Your FCU will refer to Your Federal Credit Union.

What is HomeBr@nching?

HomeBr@nching is Your FCU’s Internet home banking product. It is a service that provides convenient access to account information and account transactions using the Internet. Your FCU members will have the convenience of conducting their Your FCU account transactions 24 hours a day, 7 days a week, from virtually anywhere. Here is a list of things you can do using HomeBr@nching:

• Review account balances
• Transfer Funds
• Check your IRA and Certificate accounts
• Obtain interest/dividend information for personal taxes
• Download account history
• Retrieve account history
• Make consumer or home equity/improvement loan payments
• Change your PIN

You will need the following:

1. A computer capable of Internet connectivity
2. Internet Access
3. Internet Service Provider (ISP)
4. Internet/Web browser (We recommend the latest version of Netscape Navigator or Internet Explorer.) Your browser must support the Secure Sockets Layer (SSL) of 128-bits, capable of, and configured to accept “cookies.” For more information on “cookies”, refer to the last question in the ACCESS QUESTIONS section below.

Your FCU offers HomeBr@nching to members at no charge. For those that would like to add additional accounts (family member accounts or business accounts) to a HomeBr@nching access ID a one-time fee may be charged. In addition, your Internet Service Provider may charge a fee for your Internet access.

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Fill out our Online HomeBr@nching access application. We will send you an e-mail back confirming your request along with instructions on how to enter HomeBr@nching.

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No. HomeBr@nching has been designed to work with browsers. When enhancements to the programs are made, your next access should update automatically without the inconvenience of additional downloading. You may be required to download a more current version of a browser, but those steps are provided online with good on-screen instructions.

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Just click the “Online Services” icon from our home page, then the “Start HomeBr@nching” link. You may be required to enter your HomeBr@nching ID and PIN.

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Since browsers cache (store) information that was just displayed, we recommend closing your browser after viewing or performing financial transactions, especially if someone else may use the same PC. It is also important to note that some browsers cache pages that are viewed during secured connections to the PC’s hard drive. This can make it possible to view account information after you have closed the session. Your PIN can never be obtained from this, but anything you viewed, such as account balances, may be viewed later. Various browsers, browser versions, and browser platform implementations handle and configure this differently (this is a function of the Web Browser and will occur on any Internet site that you access with secured connections. It is not unique to HomeBr@nching). We recommend that you clear disk and memory cache. For more information, please consult your browser’s documentation or the browser’s creators web site. We recommend you use caution when accessing secured sites like Internet banking over the Internet and recommend you avoid using public computers in places such as libraries and universities to access secured information. We discourage the usage of the “saved password” option on various browsers. Remember to logoff after using HomeBr@nching, clear disk/memory cache, and close/exit your browser when leaving your computer.

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GENERAL QUESTIONS

Is the information on HomeBr@nching timely and accurate?

Yes. All information and transactions conducted during normal business hours are handled on a real time, online basis. During normal day-end processing the date is forwarded to the next business day and transactions done after that process will carry to the next business date.

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Approximately 360 days.

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You can view your account information, but can not process transactions using HomeBr@nching. To open an IRA or service an existing IRA account, click on our IRA Service Center icon from our home page.

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To transfer funds follow the instructions below:

1. From the Your FCU home page access HomeBr@nching.
2. Enter your HomeBr@nching ID and PIN and then select “Begin Banking."
3. Next to the account you want to Transfer FROM click on the “Account Activity Options” and select “Transfer Funds from this Account” option from the drop down menu and select “Add New Transfer” button.
4. Select the account you would like to transfer "TO."
5. Key the amount to transfer, in dollars and cents (omitting leading zeros).
6. Review your entry prior to posting for accuracy. This is an online transaction and no edit function exists.
7. Select the frequency and then select “Submit."

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You can click on the e-mail button from HomeBr@nching and send us an e-mail stating your request, or from our home page click “Online Services," then select “Account Changes.” Please fill out the form completely, any missing information will delay your request. As soon as your request has been processed, you will receive an e-mail indicating that we have made the changes to your online account that you recently requested. These changes are usually made within three business days.

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There are no limitations to transactions done through HomeBr@nching. However, some products and services have limitations and terms. For example, Regulation D applies to the number of transactions you can perform on a savings account and money market account. For specific details please consult your individual product disclosures you previously received upon opening your account(s) with the credit union.

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Yes. After 10 minutes of inactivity, HomeBr@nching will automatically close out your HomeBr@nching access.

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It could be that your loan payed by payroll deduction. On those type of payments we set the due dates at the earliest possible day because payroll can fall on several different days during a month. If the loan continues to show a delinquent status after your payroll date, please contact the loan department.

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Some browsers will allow your personal pages that you have viewed with HomeBr@nching to stay in your browser’s cache. If you leave the browser running on a computer in your office, home, or public place, then other people can use the “Back” button to view your balances and other personal information. If you are concerned with privacy, after logging off you should clear the browser’s disk and memory cache and exit the browser (see next question).

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For Netscape Communicator 4.0+:

• Select “Preferences” from the “Edit” menu.
• In the Preferences dialog box, select “Advanced” and then “Cache.”
• Click the “Clear Memory Cache” button and the “Clear Disk Cache” button.

• There are currently no security caching issues reported for Internet Explorer 5.0 and higher.

No. The codes must be keyed initially, but the HomeBr@nching ID may be changed (see next question).

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To change your ID from the original ID that was assigned when your online account was first setup please follow the instructions below: (Note: The PIN selected is a 6-8 character alpha-numeric value).

1. Login to HomeBr@nching with your Current ID and PIN.
2. Choose “Manangement” from the HomeBr@nching drop down box and click GO.
3. Choose “Change Personal ID (Alias).”
4. Enter your new ID in the space provided then click “Submit New ID.”
5. You will then be told that your new alias has been activated.

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To change your PIN please follow the instructions below:

1. Login to HomeBr@nching with your current ID and PIN.
2. Choose “Management” from the home banking drop down box and click "Go."
3. Choose “Change PIN.”
4. Enter your current PIN in the first place provided, your new PIN in the second space provided and verify your change by entering your new PIN in the third space provided, then click “Submit New PIN.”
5. You will then be told that your new PIN has been activated.

The width of the statement form slightly exceeds the default margin settings in Netscape Navigator and Internet Explorer (which generally default to 0.75 inches each for the left and right margin). If you alter the left and right margin settings (from the FILE menu then select PAGE SETUP) to 0.25 inches this should allow the account history to fit to a single page.

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ACCESS QUESTIONS

When can I expect the system to be available?

The system is generally available 24 hours/day - 7 days/week except in the following instances: