* The Dallas Post Dallas, PA Thursday, November 1, 2001 5 E. Lee Beard, President ¢& CEO “We're Kicking Off or A Whole New ee Banking Game!” NS The “Dare to be Different” Soccer Other Special Grand Opening Come out and join in the Grand Opening Celebration of our New NEP Financial Center. Our new center houses First Federal Bank, Higgins Insurance, Higgins Financial Services, Northeast Pennsylvania Trust Co. and Abstractors, Inc. Challenge gives you and youth soccer in Celebration Offers Include: the Back Mountain a reason to celebrate. ® Free Personal Checliing™ Now through November 10th, when you * Free Commercial Checking for 6 Months deposit or add $10,000 or more in NEW . + 48-month “You're in Control” CD funds, we'll deposit $20 in your name ‘4.50% APY** Into a special account we’ve set up for Rate Riser Option ‘your favorite soccer team or club. Deposit = No Penalty Withdrawal between $500 and $9,999 and we'll e 13-month CD deposit $10. Or if you're approved fora Deposit $500-$9,999 Earn 3.25% APY! loan of $5,000 or more during our Grand Deposit $10,000 or more Earn 3.50% APY Opening Celebration, we'll deposit $20. * Relationship Money Market Account | Deposit $25,000-$99,999 Earn 3.00% APY! ~¥eu.can also participate by establishing a Deposit $100,000 or more. Earn 3.25% APY drust relationship with Northeast * Home Equity Line of Credit... Pennsylvania Trust Co., opening an 5.75% APRTTT, plus a free gift! Investment account with Higgins Financial Services, or opening an insurance ~ relationship with Higgins Insurance. The team/club that refers the most customers to First Federal Bank or its affiliates wins $1,500 and their choice of new equipment (up to $750). The second place team/club wins $750 and third place wins $250.* Shavertown * 196 North Main St. * (570) 674-6084 | Great Banking Hours: LOBBY ¢» DRIVE IN: Monday - Thursday, 9 am - 5 pm Friday, 9 am - 6 pm * Saturday, 9 am - 1 pm 24 Hour Drive-In ATM Coming Soon! A full-service financial center and money for youth soccer, now those are some reasons to celebrate! * Minimum of 25 referrals to qualify. A complete list of our Soccer Challenge contest rules is available. ** Personal accounts only. This offer may be withdrawn at any time without prior: notice. *** Annual Percentage Yield (APY) accurate as of date of printing and subject to minimum balance requirement. Rates subject to change. Offer may be withdrawn 1=] without notice. Rate increase is not retroactive or automatic. Account holder must request the increase. A penalty will be imposed should any withdrawal place the CD's balance below the minimum of $5,000. t+ Annual Percentage Yields (APY) are accurate as of date of publication and subject to change without notice. Penalty for early withdrawal f+ Annual Equal Percentage Yield (APY) accurate as of date of publication for balances between $25,000 and $99,999 and over $100,000. APY indexed to the Federal Funds Effective Rate and is Housing www. 1stfederalbank.com subject to change without notice. Relationship Money Market account is a variable rate account and the APY may change after the account has opened. Minimum required to open email: fed1@1stfederalbank.com a Relationship Money Market Account is $1000. Fees may reduce earnings. 111 5.75% Annual Percentage Rate (APR) is accurate as of publication date with an automatic payment from a First Federal Bank checking or savings account. The minimum loan amount is $5,000. Owner occupied properties only. Property insurance is required. For example, the monthly payment for $5,000 borrowed for 120 months at 5.75% is $73.63 ($50.00 minimum principal payment, $23.63 interest portion of payment). Annual Percentage Rate is variable and is based on the prime rate as published in the Wall Street Journal on the last business day of the previous quarter. Offer may be modified or discontinued without notice. See your tax consultant for advice about tax deduction. : Member FDIC
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