FROM 1ST CITIZENS TO FIBRE FCU

11 Steps to a Smooth Transition

As Fibre Federal Credit Union and 1st Citizens Federal Credit Union complete the transition into one credit union, we will need to make some adjustments to your 1st Citizens accounts.

Most of the changes will be handled behind the scenes, automatically, with no action needed from you. However, to ensure a smooth transition, we suggest your review the 11 steps listed here and take action where applicable.

If you have concerns or questions regarding any of these steps or items mentioned, please give us a call at 360-423-8750 and we will be happy to assist you.

Step 1: Your Account Number

Your account number will be changed to a 7-digit number. Your new number will start with a 1 and end with your current 1st Citizens number. Zeros will be added between those numbers if necessary to bring your number up to 7 digits. For example, if your cur­rent number is 1234 your new number will be 1001234. This number will be used for all account inquiries and transactions starting January 2, 2009.

Step 2: Your Checks

You do not need to order new checks immediately. Your 1st Citizens checks are valid and can continue to be used. Future check orders placed through the credit union will automatically update your routing and tran­sit numbers. If you purchase checks through an outside source (i.e., not through the credit union), you will need to update this information on your next order. This in­cludes using our routing number, which is 323380766.

Step 3: Your ATM/Debit Cards

You will be issued a new ATM or Debit Card in mid-December. You will receive your new card via mail, followed by a separate mailing with a new PIN. Your 1st Citizens ATM/Debit card will continue to work up until December 31, 2008 at 1:00 p.m. After this time please destroy your 1st Citizens card and begin using your new Fibre Federal ATM/Debit Card on January 1, 2009 at 12:00 p.m. If you have any automated payments set up on your card (like your gym payment) you will need to reset those up on your Fibre Federal card.

Please note that you will be without ATM/Debit card access for approximately 11 hours. You may want to withdraw cash to cover your needs before the 1:00 p.m. cutoff. We apologize for the inconvenience.

Step 4: Your Visa Cards

You will be issued a new Visa Credit Card in mid-December.You will receive your new card via mail, along with ac­count disclosures. Your 1st Citizens Visa Credit Card will continue to work until December 31, 2008 at 5:00 p.m. After this time, please destroy your 1st Citizens card and begin using your new Fibre Visa Credit Card on January 1, 2009. If you have any automated payments set up on your card (like your gym payment) you will need to reset those up on your Fibre Federal card.

Step 5: Your Loans

Your 1st Citizens loans will automatically convert to your new Fibre Federal account number. If your loan payments are set up for automatic payment from a 1st Citizens account, the payment will automatically transfer from your converted 1st Citizens account. The interest rate, payment amount, and payment date will not change. If you use loan coupons, continue to use your 1st Citizens coupons.

Step 6: Your Share Certificates

Your 1st Citizens Share and IRA certificates—including Christmas Club CD—will transfer automatically to your new account number. The terms and interest rate will remain the same. Fibre Federal compounds interest monthly instead of quarterly, so you’ll receive a slightly higher Annual Percentage Yield.

Step 7: Your Savings Accounts

Your 1st Citizens Savings, Money Market, and Christmas Club accounts will transfer automatically to a comparable Fibre Federal account and will earn the dividend rate(s) currently in effect at Fibre Federal. Please see the enclosed Fibre Federal Truth-In-Savings disclosure for current account types, rates, and terms.

Step 8: Your ACH Deposits/Payments and Direct Payroll Deposits

The system conversion is designed to automatically transfer all account information for any ACH Deposits/Payments or Direct Payroll deposit.

Step 9: Your Overdraft Line of Credit

Your Overdraft Line of Credit will be automatically transferred to a Fibre Federal Line of Credit. When this Line of Credit is used for overdraft protection, in the event of an overdraft it will advance amounts in incre­ments of $100 to cover that overdraft. For example, an overdraft of $63.00 would result in a $100 advance from the Line of Credit. An overdraft of $142.00 would result in a $200 advance.

Step 10: Your Online Banking (NetBranch)

To access Fibre Federal’s Online Banking, you will need to login at www.fibrecu.com. You will be asked for your Fibre Federal account number and PIN in order to begin using Online Banking. Please enter your new Fibre Federal account number and your 1st Citizens Televoice password for the PIN. Then simply follow the instructions to set up three challenge questions that will authenticate your account information, accept the terms and conditions, and you’ll be good to go.

In addition to all the Online Banking functionality you are used to, Fibre Federal provides Online Bill Pay, which is free when you sign up for E-Statements You will also have the option of receiving Account Alerts. Account Alerts can be set up to notify you on a vari­ety of account activities such as when a payment is due, when your balance reaches a minimum value, or notification that an ACH/Payroll is deposited. This is a FREE service and a great way to keep in touch with your accounts.

Step 11: Your Phone Banking (Televoice)

1st Citizens Televoice will be changed to Fibre Federal’s Call 24 system. You will need to call a new phone num­ber: 360-414-4211 or toll free 1-800-535-8143. Your password will not change, but you will need to use your new account number and follow a new menu of instructions.