FirstFederalSavingsHome Equity Line of Credit ProgramNo closing costs for the borrower1BankRate: Prime +1%, 5% floor,Current APR 5.25%Great for home improvementsWon't affect your first mortgageServing Marshall County in 2 locations:2113 N. Michigan St. Plymouth and206 W. Plymouth St., Bremenwww.firstfederalbanking.comBorro ers must meet underwriting guidelines Loan is variable rate and based o the Wall Street Journal prime rate p us 1%, current y S25% APR Minimum paymentduring the dra period is equal to accruedPeriod Balloon payment may be required to pay the loan in full. Maximum APR s 21 Annual fee of 75 s w i ed for the first year. See loan orana to dei o al terms and cond tors. N go 27st onthe outstanding balance duthe preceding cycle. Minimum payment during the repayment pe id will be the accrued interest plus 1% of the pr c pal balance outan inathe last dy of

Date: September 13, 2017

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First Federal Savings Bank

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First Federal Savings Home Equity Line of Credit Program No closing costs for the borrower 1 Bank Rate: Prime +1%, 5% floor, Current APR 5.25% Great for home improvements Won't affect your first mortgage Serving Marshall County in 2 locations: 2113 N. Michigan St. Plymouth and 206 W. Plymouth St., Bremen www.firstfederalbanking.com Borro ers must meet underwriting guidelines Loan is variable rate and based o the Wall Street Journal prime rate p us 1%, current y S25% APR Minimum paymentduring the dra period is equal to accrued Period Balloon payment may be required to pay the loan in full. Maximum APR s 21 Annual fee of 75 s w i ed for the first year. See loan orana to dei o al terms and cond tors. N go 27 st onthe outstanding balance du the preceding cycle. Minimum payment during the repayment pe id will be the accrued interest plus 1% of the pr c pal balance out an ina the last dy of

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