0001188112-06-000689 Sample Contracts

EXHIBIT 10.6
Employment Agreement • March 14th, 2006 • First Federal Financial Services Inc • Savings institution, federally chartered • Illinois
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EXHIBIT 1.1
First Federal Financial Services Inc • March 14th, 2006 • Savings institution, federally chartered
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EXHIBIT 99.2
First Federal Financial Services Inc • March 14th, 2006 • Savings institution, federally chartered

This letter sets forth the agreement between First Federal Financial Services, Inc., Edwardsville, Illinois ("First Federal" or the "Company") and RP(R) Financial, LC. ("RP Financial"), whereby the Company has engaged RP Financial to prepare the regulatory business plan and financial projections to be adopted by the Board of Directors in conjunction with the second step mutual-to-stock conversion of First Federal and simultaneous acquisition of Clover Leaf and to prepare certain pro forma financial systems. These services are described in greater detail below.

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EXHIBIT 99.1 KELLER & COMPANY, INC. FINANCIAL INSTITUTION CONSULTANTS 555 METRO PLACE NORTH SUITE 524 DUBLIN, OHIO 43017 (614) 766-1426 (614) 766-1459 FAX
First Federal Financial Services Inc • March 14th, 2006 • Savings institution, federally chartered

The Boards of Directors First Federal Financial Services, MHC First Federal Financial Services, Inc. 300 St. Louis Street Edwardsville, Illinois 62025

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