#Git o Giving :Giving back to the community is importantto us and this December, we're asking youto join us in paying it forward.It's easy:1. Visit Our First Citizens' Facebook page2. Like, comment, or share our Wednesday#GiftofGiving* post3. Choose a local non-profit & we will donate $500 to themPlus, we'll give you $100 too!*One winner will be randomly chosen each week. More details and full contestrules available on www.firstcitizens.orgFIRST CITIZENS'FEDERAL CREDIT UNIONThink First.1-800-642-7515 | www.firstcitizens.orgFederally Insured by NCUAEqual Housing OpportunityMSIENCUA #Git o Giving : Giving back to the community is important to us and this December, we're asking you to join us in paying it forward. It's easy: 1. Visit Our First Citizens' Facebook page 2. Like, comment, or share our Wednesday#GiftofGiving* post 3. Choose a local non-profit & we will donate $500 to them Plus, we'll give you $100 too! *One winner will be randomly chosen each week. More details and full contest rules available on www.firstcitizens.org FIRST CITIZENS' FEDERAL CREDIT UNION Think First. 1-800-642-7515 | www.firstcitizens.org Federally Insured by NCUA Equal Housing Opportunity MSIE NCUA

Date: December 28, 2019

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#Git o Giving : Giving back to the community is important to us and this December, we're asking you to join us in paying it forward. It's easy: 1. Visit Our First Citizens' Facebook page 2. Like, comment, or share our Wednesday#GiftofGiving* post 3. Choose a local non-profit & we will donate $500 to them Plus, we'll give you $100 too! *One winner will be randomly chosen each week. More details and full contest rules available on www.firstcitizens.org FIRST CITIZENS' FEDERAL CREDIT UNION Think First. 1-800-642-7515 | www.firstcitizens.org Federally Insured by NCUA Equal Housing Opportunity MSIE NCUA #Git o Giving : Giving back to the community is important to us and this December, we're asking you to join us in paying it forward. It's easy: 1. Visit Our First Citizens' Facebook page 2. Like, comment, or share our Wednesday#GiftofGiving* post 3. Choose a local non-profit & we will donate $500 to them Plus, we'll give you $100 too! *One winner will be randomly chosen each week. More details and full contest rules available on www.firstcitizens.org FIRST CITIZENS' FEDERAL CREDIT UNION Think First. 1-800-642-7515 | www.firstcitizens.org Federally Insured by NCUA Equal Housing Opportunity MSIE NCUA