We are pleased to announce the merger of First American Bank's

Dear First American Bank Customer:

We are pleased to announce the merger of First American Bank’s assets with MIDFLORIDA Credit Union.

There are many reasons that First American Bank felt that choosing MIDFLORIDA was in the best interest of their

Florida customers, here are a few:

 MIDFLORIDA Credit Union’s mission is to improve the financial well-being of its customers. The credit

union offers a full suite of retail and commercial products and services; unparalleled convenience with

its 7 am to 7 pm drive-thru hours and full service Saturday hours; and an array of financial education

resources.

 MIDFLORIDA Credit Union has served Central Florida since 1954 and offers membership to anyone who

lives, works, worships or attends school within 38 Florida counties. (A list of counties is available on the

branch listings page enclosed or at midflorida.com.) Currently, the credit union serves more than

320,000 customers through a branch network of 49 locations; more than 60 proprietary ATMs; as well

as extended access through participation in a cooperative shared branching which allows customers the

option to conduct transactions on their MIDFLORIDA account at more than 5,000 credit union locations

nationwide.

 Throughout the credit union’s 65 year history, the financial institution has enjoyed solid financial

performance and steady growth and has enjoyed a consistent five-star rating from Bauer Financial®

year over year. At $3.5 billion in assets, the credit union is strong, secure and well capitalized.

 MIDFLORIDA is committed to the areas it serves and shows that commitment through partnerships

with various public school districts, colleges and other organizations.

Pending regulatory approval by the Federal Deposit Insurance Corporation (FDIC), the National Credit Union

Administration (NCUA) and the Florida Office of Financial Regulation, a merger and conversion date of

Saturday, November 16, 2019 has been set. On this date, all Florida First American Bank account holders will

transfer to MIDFLORIDA Credit Union.

What to expect:

Prior to Saturday, November 16, MIDFLORIDA Credit Union and First American Bank will be working to make this

transition as seamless as possible.

 With a few exceptions, First American Bank account numbers will not change. (If your account is an

exception and your number must be altered, you will be contacted separately.)

 All direct deposits (social security, payroll, etc.), automatic withdrawals or transfers and any

transactions (debit card transactions or checks) processed prior to November 16, 2019, will post or

clear your account.

 You can become a shareholder in MIDFLORIDA Credit Union and MIDFLORIDA will pay your $5 share.

MIDFLORIDA is a mutually-owned cooperative that requires each customer to have a $5 share to access

the many products, services and benefits MIDFLORIDA offers. However, if you do not elect to accept this

free offer, it will not impact your ability to access or use your existing accounts (deposit accounts, non-

deposit accounts or loans) once transferred from First American Bank. To get your free share and full

access to all that MIDFLORIDA has to offer, complete the form enclosed or visit midflorida.com/FAB to

complete an online document. Business accounts and accounts without a Tax Identification Number on

file cannot opt in online.

 Customers can call toll free (877) 727-1ASK with any merger-related question. Hours of operation will

be Monday – Saturday, 7 am to 8 pm. (Note: there may be extended hours over conversion weekend.

Details will be included on future correspondence.)

On or about October 25, 2019:

 You will receive important information about the weekend of conversion and the transition of

products and services as well as an outline of your account with MIDFLORIDA (which will be built to

match the features you currently enjoy), account terms and conditions and a fee schedule.

On or about November 10, 2019:

 If applicable, you will receive a new MIDFLORIDA Visa debit card to replace your existing First

American Bank Mastercard debit card. Your First American debit card will no longer work after 4 pm on

Friday, November 15, and should be shredded or destroyed after that. Your new MIDFLORIDA debit card

will be available to use around 11 pm on Saturday, November 16.

 If you currently use checks on your account, a box of checks for your retail and/or commercial checking

account will be delivered to you no later than November 12. You should begin using your new

MIDFLORIDA checks as of Friday, November 15. Your First American Bank Checks should not be used

after Thursday, November 14, and should be destroyed.

On Friday, November 15, 2019:

 First American Bank’s Online Banking (including mobile banking) and phone banking will be

unavailable beginning Friday and will no longer be accessible by the Florida customers of First

American Bank at the www.1934.bank web address after this date. (Online Banking services will be

restored later in the weekend and First American Bank customers will be able to visit midflorida.com for

services.) However, any payments or transfers set up prior to conversion will continue to clear.

On Saturday, November 16, 2019 (conversion/merger date):

 All Florida retail branches of First American Bank will become branches of MIDFLORIDA Credit Union.

There is no immediate plan to alter hours of the acquired locations but hours may be extended at some

locations in the future. (Note: Branches will not open until Monday, November 18, for business.)

 All Florida employees of First American Bank branches will be retained and become employees of

MIDFLORIDA Credit Union.

 Any retail or commercial deposit accounts and checking accounts held with the Florida branches of

First American Bank on November 15, 2019, will automatically transfer to MIDFLORIDA Credit Union.

 Any outstanding loans or certificates of deposit held with the Florida branches of First American Bank

branches will automatically transfer to MIDFLORIDA and retain their same contractual elements.

 Safe Deposit Boxes will remain intact within the Florida branches of First American and will be

accessible following conversion weekend.

 Deposit accounts will now be insured by NCUA up to $250,000 per account category. The NCUA is a

federal agency created by the United States Congress which administers the National Credit Union Share

Insurance Fund (NCUSIF) and offers similar deposit insurance to that of the FDIC. The insured status of

your deposits, under the provisions of the Federal Deposit Insurance Act, will terminate and your

deposits will no longer be FDIC-insured. (See the NCUA and FDIC Insurance comparison chart in this document.)

 Signage on all Florida branches of First American Bank will transition to MIDFLORIDA Credit Union.

After the conversion:

 On Sunday, access to some MIDFLORIDA services (such as online banking, mobile banking and phone

banking) will become available. If possible, specific windows of time for this will be included in

materials sent in late October. However, customers can also look for updates on MIDFLORIDA’s website

(midflorida.com) and social media sites.

 You will be able to use any branch (Monday) or ATM within MIDFLORIDA’s network including the

newly acquired locations which were previously Florida branches of First American Bank. First American

branches in Iowa will not be impacted by this transaction.

 A final First American Bank account statement (account history since your last statement and through

November 15, 2019) will be generated and mailed via regular U.S. mail.

 At month end, MIDFLORIDA will generate and deliver your account statement using your chosen

delivery method. This statement can be used to verify balances, etc. by matching it to your First

American statement. (Going forward, account holders with checking and loan accounts will receive

monthly statements while account holders with savings only will receive statements on a quarterly basis

of January, April, July and October.)

If you have questions about the merger or anticipated conversion, please feel free to contact either financial

institution:

MIDFLORIDA First American Bank

Merger Hotline (239) 963-3507

Toll free (877) 727-1ASK Monday – Friday

Monday – Saturday 9 am – 5 pm

7 am – 8 pm

Sincerely,

D. Kevin Jones John A. Fisher

CEO CEO and President

MIDFLORIDA Credit Union First American Bank

Questions & Answers

Merger of First American Bank with MIDFLORIDA Credit Union

When will the conversion take place?

The merger conversion will take place on Saturday, November 16, 2019. While some access to services may

truncate at different intervals leading up to and through the weekend of conversion, there should be no impact

to the customer’s ability to access and use their account.

Will my account number change with the conversion?

With a few exceptions, the account numbers for First American Bank will not change. Any customer affected by

having to change their account number will be contacted directly.

Will the product account names change?

While product account names may differ slightly, a detailed outline of each account and how it will appear and

be labeled will be provided to you approximately three weeks prior to conversion.

Will I need to update my ACH (Automated Clearing House) transactions (social security, payroll, etc.)?

ACH transactions (credits and debits) will continue to post without interruption and without any need for an

update on your part. However, if you prefer, you can contact any business with whom you execute ACH

payments or deposits to provide MIDFLORIDA’s routing and transit number (263179804) along with your

account information.

Will fees change?

MIDFLORIDA intends on waiving the monthly service charges through the end of December. You will receive a

copy of MIDFLORIDA’s fee schedule in future correspondence. While you may notice different terminology and

the interval at which fees may be charged, it is MIDFLORIDA’s goal to keep fee amounts the same or less than

what was historically charged.

Will new debit cards be issued as part of the merger/conversion?

All customers that currently have and use a First American Bank Mastercard debit card will be reissued a new

MIDFLORIDA Visa debit card which should arrive approximately a week prior to conversion. Please note that any

automatic payments set up using your existing First American debit card will need to be updated to reflect your

new MIDFLORIDA Visa debit card.

When will the First American Mastercard debit card no longer be valid?

Your First American debit card will no longer work as of 4 pm on Friday, November 15. You can begin using your

new MIDFLORDA Visa debit card on Saturday, November 16, around 11 pm.

Will I be assigned a PIN (Personal Identification Number) for my new MIDFLORIDA Visa debit card?

Prior to use, you will need to activate your card using the instructions provided on the newly issued card which

should arrive approximately one week prior to conversion. During the activation process, you may select your 4

digit PIN.

What is MIDFLORIDA’s routing and transit number?

MIDFLORIDA’s routing and transit number is 263179804.

Will my First American Bank checks still work, or do I need to order new ones?

Checks that are already written on your First American Bank account will continue to post. Customers will

receive a free box of new MIDFLORIDA checks by November 12. Customers should begin using their new checks

on Friday, November 15.

Will my consumer loans (home equity loans, home equity lines of credit, etc.) remain the same?

Your existing consumer loans will transfer to MIDFLORIDA and will retain the same terms and payment

calculations. Additionally, monthly billing statements will continue at the same monthly interval and same

delivery method as you enjoyed with First American Bank.

Will my mortgage remain the same?

Any mortgage loan held by a Florida customer of First American Bank and currently being serviced by First

American Bank will move to MIDFLORIDA and retain the same contractual terms.

When will I receive my mortgage statement?

MIDFLORIDA Mortgage Center sends monthly mortgage statements to all mortgage holders. Statements are

processed and delivered by mail or electronically mid-month, each month.

When will I receive my account statement from MIDFLORIDA?

A final First American Bank account statement (account history since your last statement and through

November 15, 2019) will be generated and mailed via regular U.S. mail.

At month end, MIDFLORIDA will generate and deliver your account statement using your chosen delivery

method. This statement can be used to verify balances, etc. by matching it to your First American statement.

(Going forward, account holders with checking and loan accounts will receive monthly statements while account

holders with savings only will receive statements on a quarterly basis of January, April, July and October.)

Will my certificate rates change?

All certificate products will retain their rate structure and term when converted to MIDFLORIDA.

Will my beneficiaries transfer with my account(s)?

Any previously designated beneficiaries will follow the account when integrated with MIDFLORIDA’s system.

When will I be able to use a MIDFLORIDA ATM?

On Monday, November 18, you will be able to conduct transactions using your MIDFLORIDA Visa debit card at

any MIDFLORIDA proprietary ATM or Presto! Publix ATM without a surcharge or transaction fee. (Enclosed is a

list of branches and proprietary ATMs. This information is also accessible by visiting midflorida.com.)

Does MIDFLORIDA offer banking by phone and when will it be available to me?

MIDFLORIDA offers Direct Touch, a phone banking system that allows access to account balances, history, and

more. This service is accessible when calling MIDFLORIDA’s toll-free number (866) 913-3733. More information

outlining your first time access to Direct Touch will be provided in future correspondence. MIDFLORIDA

anticipates this service being available to First American Bank customers sometime on Sunday, November 17.

First American’s phone banking system will no longer be available for customers as of Friday, November 15.

When will online/mobile access be available through MIDFLORIDA?

Online services will be available sometime on Sunday, November 17. A detailed communication about initial

access will be sent in future correspondence.

First American Bank’s online banking and bill pay (including mobile banking) will be inaccessible beginning

Friday, November 15. You will no longer have access to log in, check balances, conduct transactions or review

information from the First American Bank site as of this date. Customers will receive more specific details prior to

conversion.

Does MIDFLORIDA support Mobile Wallet transactions?

MIDFLORIDA supports Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay.

How can I connect and learn more about MIDFLORIDA?

To learn more about MIDFLORIDA, stop by any branch (either MIDFLORIDA or First American Bank), visit

midflorida.com or call the Help Desk toll free at (866) 913-3733. Also follow us on Facebook, Instagram, Twitter

and SnapChat.

What are MIDFLORIDA’s hours?

Branch Lobby Hours

Monday, Tuesday & Thursday 9 am to 5 pm

Wednesday 10:30 am to 5 pm*

Friday 9 am to 6 pm

Saturday 9 am to 1 pm

Branch Drive-Thru Hours

Monday – Friday 7 am to 7 pm

Saturday 8:30 am to 1 pm

Help Desk Call Center Hours

Monday – Saturday 7 am to 8 pm

*Lobbies open later on Wednesday to allow for staff training.

Note: Branches located within an employer group (like a hospital or manufacturing plant) may have

different hours and services. For a complete listing, visit midflorida.com.

Who can join MIDFLORIDA?

MIDFLORIDA is a mutually-owned cooperative that requires each customer to have a $5 share to access the

many products, services and benefits MIDFLORIDA offers. Membership is open to anyone who lives, works,

worships or attends school within the following 38 Florida counties:

Alachua

Gilchrest

Levy

Polk

Bradford

Glades

Manatee

Putnam

Brevard

Hardee

Marion

Sarasota

Broward

Hendry

Martin

Seminole

Charlotte

Hernando

Okeechobee

St. Lucie

Citrus

Highlands

Orange

Sumter

Collier

Hillsborough

Osceola

Union

Columbia

Indian River

Palm Beach

Volusia

DeSoto

Lake

Pasco

Flagler

Lee

Pinellas

MIDFLORIDA Branch Locations as of August 2019

(All branches have ATMs)

Branch Name

Address

City

State

Zip

Longwood

1199 Spring Center South Blvd.

Altamonte Springs

32714

Arcadia

128 S. Brevard Ave.

Arcadia

34266

Auburndale

2146 US Highway 92 W.

Auburndale

33823

Avon Park

930 US Highway 27

Avon Park

33825

Bartow

105 E Van Fleet Dr.

Bartow

33830

Bay Pines

10000 Bay Pines Blvd.

Bay Pines

33744

Central Brandon

825 W Brandon Blvd.

Brandon

33511

Gulf To Bay

2400 Gulf To Bay Blvd.

Clearwater

33765

Countryside

29383 US Highway 19 N.

Clearwater

33761

Haines City

1006 Old Polk City Rd.

Haines City

33844

Kissimmee

1001 Buenaventura Blvd.

Kissimmee

34743

Lake Placid

6 North Main Avenue

Lake Placid

33852

Lake Wales

237 S.R. 60 W.

Lake Wales

33853

South Lakeland

6040 S. Florida Ave.

Lakeland

33813

Mall

1090 Wedgewood Estates Blvd.

Lakeland

33809

North Lakeland

7301 US Highway 98 N.

Lakeland

33809

Hollingsworth

3008 S. Florida Ave.

Lakeland

33803

Tower

129 S Kentucky Ave.

Lakeland

33801

Tower Annex

205 South Florida Ave.

Lakeland

33801

Highland City

5301 US Highway 98 S.

Lakeland

33812

Crystal Lake

1817 Crystal Lake Dr.

Lakeland

33801

Harden Blvd

2100 Harden Blvd.

Lakeland

33803

Largo

13075 Walsingham Rd.

Largo

33774

Land O’ Lakes

23551 SR 54

Lutz

33559

Lutz

19203 N. Dale Mabry Hwy.

Lutz

33548

Maitland

450 S. Orlando Ave.

Maitland

32751

Trinity

7401 S.R. 54

New Port Richey

34653

Okeechobee

3261 Hwy 441 S.

Okeechobee

34974

Waterford Lakes

11411 Lake Underhill Rd.

Orlando

32825

Eastside*

100 Global Innovation Circle

Orlando

32825

Sand Lake*

5600 Sand Lake Rd.

Orlando

32819

Pinellas Park

4300 Park Blvd.

Pinellas Park

33781

Plant City

2903 James L Redman Pkwy.

Plant City

33566

St. Lucie West

771 NW St Lucie West Blvd.

Port St Lucie

34986

Gatlin

1692 S.W. Gatlin Blvd.

Port St Lucie

34953

Port St. Lucie

8351 South US Highway 1

Port St Lucie

34952

4th Street St Pete

2646 4th Street N.

St. Petersburg

33704

North Sebring

6105 US Hwy. 27 N.

Sebring

33870

MIDFLORIDA Branch Locations (cont.)

South Sebring

3863 US Hwy. 27 S.

Sebring

33870

Spring Hill

11098 Spring Hill Dr.

Spring Hill

34608

Central Tampa

3202 W. Waters Ave.

Tampa

33614

Haley VA Hospital

13000 Bruce B. Downs Blvd.

Tampa

33612

New Tampa

20401 Bruce B. Downs Blvd.

Tampa

33647

South Tampa

1112 S. Dale Mabry Hwy.

Tampa

33629

Central Vero

2800 20th St.

Vero Beach

32960

Wauchula

1490 US Hwy 17 N.

Wauchula

33873

No. Winter Haven

2075 8Th Street NW

Winter Haven

33881

Spirit Lake

3025 SR 540 W.

Winter Haven

33880

So. Winter Haven

5540 Cypress Gardens Blvd.

Winter Haven

33884

*Locations available to Lockheed Martin Employees Only.

MIDFLORIDA Offsite ATM Locations as of August 2019

ATM Location Name

Address

City

State

ZIP

Bartow Ford

2800 US Hwy 98 N.

Bartow

33830

Bartow - Polk County Courthouse

220 West Church St.

StSt.Street

Bartow

33830

Davenport - Four Corners

300 Ambersweet Way

Davenport

33897

Lakeland - Courthouse

930 E. Parker St.

Lakeland

33801

Lakeland - Cypress Lakes

10000 US Hwy 98

Lakeland

33809

Florida Polytechnic University

4700 Research Way

Lakeland

33805

Florida Southern College

111 Lake Hollingsworth Dr.

Lakeland

33801

Lakeland - Gary Road

1551 Gary Rd.

Lakeland

33801

Lakeland Regional Medical Center

1324 Lakeland Hills Blvd. Dr.

Lakeland

33805

RP Funding Center

701 W. Lime St.

Lakeland

33815

Highlands Regional Medical Center

3600 S Highlands Ave

Sebring

33870

St. Petersburg - Bay Pines Plaza

9603 Bay Pines Blvd.

St. Petersburg

33708

St. Petersburg - VA Regional Office

9500 Bay Pines Blvd.

St. Petersburg

33744

Winter Haven Courthouse

3425 Lake Alfred Rd.

Winter Haven

33881

Winter Haven Hospital

200 Avenue F NE

Winter Haven

33881

NCUA and FDIC Insurance Comparison

Single

Account

(one owner)

Joint

Account

(more than

one owner)

Retirement

Accounts

(includes IRAs)

Revocable

Trust

Accounts

Corporation,

Partnership, and

Unincorporated

Association Accounts

NCUA

Insured

$250,000

per

owner

$250,000

per

co-owner

$250,000

aggregate for

Roth and

Traditional

$250,000 for

Keogh

All IRA coverage

is separate

and in addition

to coverage for

other credit union

accounts

$250,000

per owner

per beneficiary

up to

5 beneficiaries

(Includes

Coverdell

Education

Savings

accounts)

$250,000 per

corporation,

partnership or

unincorporated

association

FDIC

Insured

$250,000

per

owner

$250,000

per

co-owner

$250,000

per owner

$250,000

per owner

per beneficiary

up to

5 beneficiaries

$250,000 per

corporation,

partnership or

unincorporated

association

Rev. 02/2014

FACTS

WHAT DOES MIDFLORIDA CREDIT UNION DO WITH YOUR PERSONAL

INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers

the right to limit some but not all sharing. Federal law also requires us to tell you how we collect,

share, and protect your personal information. Please read this notice carefully to understand what we

do.

What?

The types of personal information we collect and share depend on the product or service you have

with us. This information can include:

Social Security number

l Account balances

l Payment history

l Transaction history

l Overdraft history

l Account transactions

When you are no longer a member, we continue to share your information as described in this notice.

How?

All financial companies need to share members' personal information to run their everyday business.

In the section below, we list the reasons financial companies can share their members' personal

information; the reasons MIDFLORIDA Credit Union chooses to share; and whether you can limit

this sharing.

Reasons we can share your personal information Does MIDFLORIDA Credit

Union share?

Can you limit this sharing?

For our everyday business purposes -

such as to process your transactions, maintain your

account(s), respond to court orders and legal

investigations, or report to credit bureaus

Yes No

For our marketing purposes -

to offer our products and services to you

Yes No

For joint marketing with other financial companies Yes No

For our affiliates' everyday business purposes -

information about your transactions and experiences

Yes No

For our affiliates' everyday business purposes -

information about your creditworthiness

No We don't share

For nonaffiliates to market to you No We don't share

Questions?

Call toll-free (866) 913-3733

Privacy Model Disclosure PRIV-MODEL 8/1/2010

VMP® Bankers Systems™

What We Do

How does MIDFLORIDA Credit

Union protect my personal

information?

To protect your personal information from unauthorized access and use, we use

security measures that comply with federal law. These measures include computer

safeguards and secured files and buildings.

We also maintain other physical, electronic and procedural safeguards to protect

this information and we limit access to information to those employees for whom

access is appropriate.

How does MIDFLORIDA Credit

Union collect my personal

information?

We collect your personal information, for example, when you

Open an account

l Apply for a loan

l Use your credit or debit card

l Make deposits or withdrawals from

your account

l Make a wire transfer

We also collect your personal information from others, such as credit bureaus,

affiliates, or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only

sharing for affiliates' everyday business purposes - information about your

creditworthiness

l affiliates from using your information to market to you

l sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates Companies related by common ownership or control. They can be financial and

non-financial companies.

Our affiliates include:

l Financial companies such as: MIDFLORIDA Insurance Services, LLC.

Nonaffiliates Companies not related by common ownership or control. They can be financial and

non-financial companies.

MIDFLORIDA Credit Union does not share with nonaffiliates so they can

market to you.

Joint Marketing A formal agreement between nonaffiliated financial companies that together market

financial products or services to you.

Our joint marketing partners include securities broker dealers and insurance

companies.

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