First Federal is a down-to-earth, independent community bank

That means we take in deposits from local people and businesses, and we loan that money out to local people and businesses.

In fact, we are the only bank in midcoast Maine that still holds all of our own residential mortgages. The money stays here, and that’s how we help our communities grow. It’s been that way for 75 years, and we’re still growing.

Stop in today to find out why it’s better to know where your money grows.

---

Debit Card Protection Service

We may be calling you……

To protect your account, we monitor your ATM and debit card transactions for potentially fraudulent activity which may include a sudden change in locale (such as when a U.S. issued card is used unexpectedly overseas), a sudden string of costly purchases, or any pattern associated with new fraud trends around the world.

If we suspect fraudulent ATM or debit card use, we’ll be calling you to validate the legitimacy of your transactions. Your participation in responding to our call is critical to prevent potential risk and avoid restrictions we may place on the use of your card.

• Our automated call will ask you to verify recent transaction activity on your card
• You’ll be able to respond via your touchtone keypad.
• You’ll also be provided a toll-free number to call should you have additional questions.

Our goal, quite simply, is to minimize your exposure to risk and the impact of any fraud. To ensure we can continue to reach you whenever potential fraud is detected, please keep us informed of your correct phone number and address at all times.

In the meantime, please be diligent in monitoring transaction activity on your account and contact us immediately if you identitfy any fraudulent transactions. Some additional tips on protecting yourself from debit card fraud are provided below.

PROTECT YOURSELF

1. Unless absolutely required for a legitimate business purpose, avoid giving out your:

Address and Zip code

Phone Number

Date of Birth

Social Security Number

Card or Account Number

Card Expiration Date

Your PIN is private; NEVER give it out.

2. In stores and at ATMs, always cover your card and PIN, and watch for:

Cell phone cameras, mirrors or other tools used to view cards and PINs

People watching your transactions

Cashiers takiing your card out of sight; take it to the register yourself

Any unusual activity at ATMs; if you feel uncomfortable, go to another ATM

3. Online, you should never respond to unsolicited emails that:

Ask you to verify your card or account number; such emails are not sent by legitimate businesses

Link to websites; such sites can look legitimate but may collect your data or put spyware on your computer.

---

FDIC Notice – Important Disclosure

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE
COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010 through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.
The term “noninterest bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov

---