* The Gas Card drawing ended on August 29, 2008. *

*Triple Option CD - Minimum opening balance of $10,000. Must have a First Federal checking account with electronic debit or credit to open CD. Thirty-six (36) month term only. Maximum base rate increase of 40 basis points by signing up for four of the following five products: Loan Relationship with auto draft of payments (excluding VISA Gold Card); VISA Gold Card or completed application; VISA Check Card; eStatement on Checking (eStatement required for CD notices); Internet Banking. Interest credited quarterly – may compound to CD or be credited to another First Federal Account. Automatic renewal at first maturity as a 12 month CD at current effective 12 month interest rate as of maturity date. No penalty one time withdrawal of up to 50% of the original principal balance for unforeseen emergencies such as medical expenses, nursing home care, or other life events. Account must be open seven days prior to withdrawal. Penalties will apply for all withdrawals not considered an unforeseen emergency and those greater than 50% of original balance. Other limitations may apply. Customer has a one time option to increase the interest rate to the current 36 month certificate of deposit rate (extends CD term for an additional 36 months from the date of rate adjustment) at any time during the original term of the CD. Maximum amount per tax ID number is $2,000,000. **Must be 18-years-old and a legal U.S. resident by July 14, 2008 to enter. Do not need to be present to win. No purchase necessary to enter. See official rules online at www.ffsb.com or at your closest branch. Drawing ends at 11:59 pm on August 29, 2008.