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NOMINATE BY PETITIONThe Nominating Committee of the Board ofDirectors has placed the names of fourcandidates to stand for election. Inaccordance with the bylaws of the CreditUnion, nominations may also be made bypetition signed by 1% of the Credit Unionmembers with a minimum of twenty (20)and a maximum of five hundred (500)signatures. Each nominee by petition mustsubmit a statement of qualifications andbiographical data with the petition. Eachnomination by petition must beaccompanied by a signed certificate fromthe nominee or nominees stating they areagreeable to the nomination and will serveif elected to office. All nominations bypetition must be filed with the Credit UnionSecretary no later than Tuesday, February12, 2019, which shall be the closing date forreceiving nominations by petition. Furtherinformation on this process may beobtained by contacting:

Chuck Lampe, Asst. SecretaryFirst Federal Credit Union1035 N. Center Point RdHiawatha, IA 52233

319.743.7806chuck.lampe@firstfedcu.com

FIRST FEDERAL CREDIT UNION’S

ANNUALMEETINGTuesday, March 26thHiawatha Community Center101 Emmons StreetHiawatha, IA

Doors Open at 6:30 p.m.Business Meeting at 7:00 p.m.

FREE EVENT!PRIZE DRAWINGS!REFRESHMENTS!

TICKETS NOT REQUIRED!

Cedar Rapids425 First Avenue SW

319.362.3171

Hiawatha1035 N Center Pt Rd

319.743.7806

Cedar Rapids3810 Westdale Pkwy SW

319.362.3171

SpencerSouthpark Mall

712.264.3266

OFFICE LOCATIONS

FirstFedCU.com

AM-19005-0119

Document: CR-N16638_ANNUAL1.PDF;Page: 1;Date: 14.Dec 2018 08:29:40

NOTICE OF ELECTION!!The election for the board of directors will be held onThursday, March 14th and Friday, March 15, 2019.Each First Federal location will serve as a polling site.Members in good standing are eligible to vote onetime for three candidates. Members are also able tovote during the Annual Meeting on March 26th if theyhave not previously submitted a ballot.

ATTEND OUR93RD ANNUALMEETING!All Members are invited to attend the 93rd AnnualMeeting of First Federal Credit Union to be held onTuesday, March 26, 2019 at the Hiawatha CommunityCenter, 101 Emmons Street, Hiawatha, IA. Doors willopen at 6:30 p.m. for light hors d’oeuvres with themeeting beginning at 7:00 p.m. The meeting willinclude the conclusion of the election for the board ofdirectors and the announcement of the results. Apresentation of our 2018 financial results and a briefupdate for Members on our plans for 2019 will beprovided. Tickets are NOT required for the AnnualMeeting. Please join us as we celebrate theaccomplishments of 2018!

SPECIAL NOTEFROM THE CEO2019 was a year of growth for First FederalCredit Union as our new locations inWestdale and Spencer contributed tooriginating almost $45 million in loans to ourmembers. As of year-end, First Federal CreditUnion has grown to over $154 million in

assets, the largest sizeof the institution in its92-plus years ofexistence.

There have been manychanges through theyears – technology,products, locations…..but the one constanthas been the enduring

support of our Members. Our AnnualMeeting is a way to continue the conversationwith our members to help determine how wecan improve upon the delivery of productsand services. We must listen to our Membersin order to learn what your needs are – and Iencourage all of our Members to use theirvoice to help us learn how we can improvewhat we do for you.

I also would like to take this opportunity tothank our volunteer Board of Directors,Supervisory Committee volunteers, and ouremployees for their hard work anddedication. As a result of their efforts, wecontinue to deliver a financially strong andvibrant Member-focused organization.

We look forward to seeing you at our AnnualMeeting on March 26th!!

Tom ChalstromPresident & CEO

CANDIDATES FOR THEBOARD OF DIRECTORS

Linda EdwardsIncumbent

• Employed with United States PostalService for more than 39 years

• First Federal Credit Union Board ofDirectors since 1996

• Chair of FFCU SupervisoryCommittee

Mary LawrenceIncumbent

• Retired from the United StatesPostal Service following 30 yearsof service

• First Federal Credit Union Board ofDirectors since 2005 (Secretary)

• Chair of FFCU Foundation

Doug NetolickyIncumbent

• Employed with Wired Productions asVice President, Business Development

• First Federal Credit Union Board ofDirectors from 1996-2005 and2013-Present

• Former Chairman of FFCU Board ofDirectors

• Vice Chairman of FFCU Foundation

Todd Holverson• Owner, Holverson’s HomeMaintenance

• Over 20 years experience infinancial institutions

• Loras College, BA;St. Ambrose, MBA

• Native of Cedar Rapids, IA

Document: CR-N16638_ANNUAL1.PDF;Page: 2;Date: 14.Dec 2018 08:29:40