First Federal Savings Bank is participating in the FDIC’s Transaction Account Guarantee Program.

Under that program, through December 31, 2009, all noninterest-bearing transaction accounts, which includes NOW accounts earning an interest rate of .50% or less through 2009, are fully guaranteed by the FDIC for the entire amount in the account.

Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.