Member Rewards

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					     Spring 2011

                                                  New & Improved
Member Rewards
     Introducing a better way to reward our loyal
     members. The more Partners 1st products and
     services you use, the greater the rewards!

  • Bonus Rates on CDs                                                                   • FREE Identity Theft Protection
  • Discounts on Loan Rates • Discounts on Products & Services

                                                           Partnership Level Requirements
        Level 1 (High)                                                        Level 2 (Mid)                                                        Level 3 (Basic)
     • Personal checking account                                           • Personal checking account                                         • Organizations and businesses
     • Loan with a balance                                                 • Loan with a balance                                               • All others not in Level 1 or 2
     • Active 1st Online participant
     • Direct deposit or payroll

*New levels effective 3/26/11. Member must have visited 1st Online within last 60 days to be considered an active 1st Online participant. Direct deposit or payroll must have occurred within past 60
days. Privilege Pay loans do not qualify as loans for determining Partnership Levels. Loan discount is lost if moving to another tier with different discount. Must qualify for loan rate discount before
disbursement. Accounts with a loan delinquent 25 days or more are assigned to Level 3. Accounts with a negative balance write off, charged off loan or Chapter 7 or 13 bankruptcy are also assigned to
Level 3. Loan rate discounts not applicable on 1st and 2nd mortgages, Creditlines, collection rewrites and Privilege Pay loans. Members must sign up for free identity theft protection.
    Paying Too Much For Your Auto Loan?
    If you have an auto loan at another financial institution you may be paying too much. Transfer your
    loan to Partners 1st and you could save more money each month with rates as low as 2.99% APR.
    Plus, we'll give you $100 CASH just for bringing us your loan!*

                                                                                                                       + $100
                                 Auto rates as low as

                                3.                      99 % APR
    *Rate as of 3/18/11 and subject to change. $100 cash offer: auto loans transferred to Partners 1st will result in $100 deposited to your Partners 1st savings account. Minimum $12,000 loan amount. Normal loan underwriting guidelines apply. Loan must be
    transferred from another bank, credit union, savings & loan or auto finance company. Vehicle must be used as collateral. Offer valid for limited time and subject to change. Loan must remain at Partners 1st for 6 or more months. Only one transfer per vehicle.

    Identity Theft - Are You Prepared?
    How much would you pay to protect your identity?

    As a Partners 1st member, you can get identity theft protection for as low
    as $1.99 per month with ID Reclaim. You'll receive complete professional
    restoration services if identity theft occurs, whether financial or otherwise. And
    for just $2.99 per month you can sign up for ID Reclaim Plus which includes
    credit monitoring for the primary account holder.

    Sign up today by visiting your nearest Partners 1st office or online at
                                                                                                           FREE for Level 1 Partners - sign up today!

    Skip Your Loan or Visa Payment
    Skip your monthly loan or Visa payment and ease the financial burden of your other bills and high interest rate credit
    cards. You can even use the extra cash to help pay for some upcoming home repairs or vacations! Skipping your payment
    is easy - simply complete and return the following form to your local Partners 1st office.

       Name ___________________________________________________________________________________________
       Loan Acct # ________________ L-______ Payment Amt. $______________ Date to skip ______________________
       Loan Acct # ________________ L-______ Payment Amt. $______________ Date to skip ______________________
       Visa Card # __________________________ Member # __________________ Date to skip ______________________
       Withdraw participation charge from account ____________________________________                                                                                                                           Savings                       Checking
       Signature _______________________________________________________________________________________
       Signature (joint borrower) ___________________________________________________________________
                                                                                 Return to your local office or mail to: Partners 1st - Attn: Member Services
                                                                                                1330 Directors Row - Fort Wayne, IN 46808
                                                           There is a $35 participation charge per regular loan skipped. Visa fee calculated as 50% of the minimum monthly payment or $35 - whichever is less. Fee will be withdrawn upon presentation of the coupon.
                                                           Loan must be current and interest will accrue. Coupon must be received prior to due date. First mortgages, HELOCs with interest only payments, leases, student loans, loans to clear a negative balance, loans
                                                           re-written for collection purposes, late, and delinquent loans do not qualify. For co-signed loans all parties must sign. Coupon required. Only one skip in addition to the automatic December skip allowed per loan.

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New Online Bill Pay                                                                                                                                    Scholarships Available!
Our Online Bill Pay system will be upgraded in May and will no longer
require an additional login. After logging in to 1st Online, you will be able to                                                                     Each June, Partners 1st awards five
access the bill pay function to pay bills, manage your                                                                                               $1,000 Charles M. Cook Scholarships to
payee list and view scheduled payments. Please watch                                                                                                 Partners 1st members who show
for more details coming soon.                                     New                                                                                outstanding achievements both in
                                                                                                                     &                               academics and in their communities.
                                                                                                                 Improved!                           Members must be current high school
                                                                                                                                                     seniors or full-time undergraduate

                                                                                                                                                     It's never too early to start planning! You
                                                                                                                                                     can learn more about our scholarship and
                                                                                                                                                     download an application by visiting

Happy Retirement!                                                                                                                                    All applications must
                                                                                                                                                     be postmarked by
                                        After 37 years at Partners 1st Federal Credit Union,                                                         May 31, 2011.
                                        President and CEO David R. Fleming will be retiring
                                        effective March 8, 2011.

                                        Since joining the credit union in 1973, he has
                                        served in a variety of positions including Loan
                                        Officer, Collector, Assistant Manager, Executive Vice
                                        President, and finally President & CEO.

We would like to thank David for his outstanding work at Partners 1st,
carrying out the mission of serving our members’ financial needs.

Auto and Homeowners Insurance                                                                                                                          Partners 1st FunZone!
Partners 1st is continually looking for ways to save you money. We're                                                                                Stay dry during those spring showers with
excited to announce that we now offer auto and homeowners insurance to                                                                               a FREE Partners 1st umbrella! You will be
our members.                                                                                                                                         automatically entered for a chance to win
                                                                                                                                                     when you sign up for e-statements. Why
The MEMBERS® Auto and Homeowners Insurance program can help                                                                                          should you sign up? E-statements are a
you save money all year. On average, credit union members save up                                                                                    convenient, secure and environmentally
to $329.07* a year! Simply call and answer some questions about your                                                                                 friendly way to view your Partners 1st
situation to find the discounts you qualify for. Plus, both auto and home                                                                            statement any time, anywhere you have
insurance programs provide dependable 24/7 claims service.                                                                                           access to the Internet!

For a free, no pressure quote, call 1-888-380-9287 or visit                                                                                          Visit to sign                                                                                                                              up beginning April 1! We’ll announce five
Mon.–Fri., 7am–1am; Sat. 7am–11:30pm; Sun. 9am–10pm ET                                                                                               randomly selected winners during the first
                                                                                                                                                     week of June.
*Figure based on a February 2010 national sample of auto policyholder savings when comparing their former premium with those of the MEMBERS
Auto and Home Insurance program. Individual premiums and savings will vary depending on your insurance carrier and coverages and limits purchased.

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Financial Data
as of 2/28/11
                                                                                                                              Membership Matters!
Shares                                          $206,994,907                                                                  As a Partners 1st Member, you have access to exclusive money-saving products and
Loans                                           $111,354,861                                                                  services. To make sure you're getting the most out of your membership, please review
Assets                                          $239,408,698                                                                  some of the following benefits or ask a Partners 1st Representative for more details.
Members                                               28,995

                                                                                                                                      FREE                                           FREE
Number of offices                                         28

Charity Update                                                                                                                   $3,000 Accidental Death &                    FICO credit score consultations
To date over                                                                                                                     Dismemberment Insurance                      and credit scores twice annually
$1,323 has
been raised
for the Make-A-Wish Foundation of
America through “Dress Down for a
                                                                                                                                 VISA Platinum Rewards &
                                                                                                                                                                                 Discounted identity theft
Buck” donations made each Friday by                                                                                              1st Rewards Checking earns                 protection starting at just $1.99/mo
Partners 1st employees.                                                                                                                 reward points

Partners 1st Contact Information                                                                                                    30,000+
                                                                                                                                     Surcharge-free ATM
                                                                                                                                                                             VISA cardholders have access to
                                                                                                                                     locations nationwide                     exclusive retailer discounts and
260.471.8336 or 800.728.8943                                                                                                                                                           special offers
260.471.7643 or 260.470.9773

Internet Address
                                                                                                                              FREE Discount Prescription Drug Card                                                                                                         Partners 1st is offering members a discounted prescription drug card available through
                                                                                                                              United Networks of America. This card is primarily for those without drug insurance
Compu-teller - Spanish & English                                                                                              coverage, but can be used as a supplement for insured prescription plans to cover
800.429.4301 or 260.471.6644                                                                                                  non-formulary prescriptions.

Mailing Address                                                                                                                                   These cards are available for FREE to all Partners 1st members,
1330 Directors Row                                                                                                                                so please visit your local office to request a card or print your own
Fort Wayne, IN 46808                                                                                                                              by visiting

Routing & Transit

                                                                                                                              Online Bill Pay Winner

                                                                                                                              Partners 1st would like to congratulate Catherine Tarka of Fort
                                                                                                                              Wayne, Indiana on winning a $100 Best Buy gift card during our
Partners 1st Federal Credit Union                                                                                             recent bill pay promotion.
Acting President: Carla C. Bienz
Editor: Mark Buchler

                                                             Your savings federally insured to at least $250,000

                                                    and backed by the full faith and credit of the United States Government

                    Insurance   EQUAL HOUSING
                                                       National Credit Union Administration, a U.S. Government Agency

We do business in accordance with the Federal Fair Housing Law and
the Equal Credit Opportunity Act. Your savings federally insured to at
least $250,000 and backed by the full faith and credit of the United States
Government Your savings is also insured up to an additional $250,000 by
Excess Share Insurance, for a total of $500,000

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