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		TEXT MESSAGING FOR SURCHARGE-FREE ATMS Introducing a new text messaging and GPS service that helps you locate First Northern ATMs nationwide. All you have to do is text your location – address, intersection or zip code – to 692667 (M-Y-C-O-O-P) from any mobile phone and within seconds, you will receive the nearest two surcharge-free ATMs. If you need more, all you have to do is text "more"! You can also download the database of more than 28,000 surcharge-free ATMs directly to your Garmin, Tom Tom or other GPS device. You’ll never be lost looking for a surcharge-free ATM again. Like our First Northern ATMs, 692667 (M-Y-C-O-O-P) is also a surcharge-free service. But check with your mobile phone provider as standard text messaging rates apply. And don’t worry, you won’t receive any unsolicited messages by using 692667 (M-Y-C-O-O-P). For more information on how to download to your GPS device, please visit www.co-opnetwork.org. Note: some ATM locations may have restricted access. For a complete listing of surcharge-free ATMs, visit http://locator.fncu.org/.