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List of First Federal of Lakewood Disclosures

Account Statements

• Ability to Withdraw Funds Statement
• Electronic Funds Transfer Disclosure Statement
• Information about Opening a New Account

Checking Account Disclosures

• advantage55^TM
• Free Checking
• Interest Checking
• Interest Checking Plus
• Premium Checking
• Premium Checking Promo Account
• Private Banking Checking
• Select Money Market Account
• Select Money Market Promo Account
• Student Checking

Certificates of Deposit (Short-Term) Disclosures

• 3 Month CD
• 6 Month CD
• 9 Month CD

Certificates of Deposit (Long-Term) Disclosures

• 12 Month CD
• 13 Month CD
• 18 Month CD
• 18 Month Variable Rate CD
• 24 Month CD
• 30 Month CD
• 36 Month CD
• 48 Month CD
• 60 Month CD

Certificates of Deposit Disclosures

• DirectSave
• FFL Step CD
• Jumbo Investment Account
• Jump Rate CD
• Tier Advantage CD
• Tiered Investment Portfolio

Retirement Account Disclosures

• Coverdell Education Savings Account
• Roth IRA Account
• Simplified Employee Pension Plan
• Traditional IRA Account

Savings Account Disclosures

• Better Than A T-Bill
• Better Than A T-Bill Freedom Money Market Account
• Christmas Club
• Health Savings Account
• Homeward Bound
• Passbook Savings
• Statement Savings