Your Debit Card

Important information regarding your First Bank and Trust VISA Debit Card

This letter is to inform you that, due to a debit card system conversion and an upgrade of the related software, First Bank and Trust will be issuing you a new VISA debit card. This new card will replace your existing VISA debit card. Your new card includes all of the same benefits as your existing card including our exclusive DIME EVERY TIME program. Unlike some reward programs with complicated point and redemption methods, DIME EVERY TIME earns you money and is quick and easy to use. Just remember to use your PEN, instead of your PIN, and you will earn a dime with every credit transaction. (Your credit appears monthly on your First Bank and Trust Bank statement).

Please be aware of some important dates associated with your new card:

March 28, 2011

Your new VISA debit card will be mailed. Please allow 7-10 business days for delivery. Review your bank statements or transaction activity online at www.fbtonline.com to prepare for the necessary changes to any automatic payments or recurring transactions that you have authorized that are tied to your First Bank and Trust VISA debit card. It will be necessary to provide the payees with your new VISA debit card information. In addition, once you receive your new card, activate it by following the instructions found on the sticker on the front of the card.

March 31, 2011

Your new PIN will be mailed. Please note your existing VISA debit PIN will not work with the new card. However, you may change your PIN to your existing PIN by calling the toll free number on the mailer.

April 11, 2011

After your new card has been activated you will be able to start using it on April 11, 2011. Until that time, continue to use your existing First Bank and Trust debit card.

April 30, 2011

Last day that your existing VISA Debit card will work.

As always, we're here to help with any questions or concerns so if you have any related to your new debit card, or if we may be of any additional assistance to you, please do not hesitate to give us a call. For more information, please call our toll free number (877) 426- 2498 or visit any branch location.