MasterLine EQUITY LINES OF CREDIT

Min. Interest Rate: 4.75% | Max. Interest Rate: 18.00%

Combined Loan-to-Values (CLTV)
*CLTVs greater than 80% will be limited to a maximum $100,000 credit line.

Origination Fee:
$200 (Tier 1 Only.)

Closing Costs:
Tier 1: Borrower is responsible for all closing costs, except recording fees.
Tier 2 & 3: First Federal Bank will pay origination fee and all closing costs, except Kansas Mortgage Registration Tax, if applicable.

MasterLine Variable Rates:
The APR may vary monthly.

MasterLine Payments:
Greater of monthly accrued interest or $50, billed on the 4th of each month, due by the 30th (after maturity, minimum monthly payment is 1.7% of outstanding principal balance).

FIXED RATE EQUITY LOANS

For CLTVs 80% or less, reduce rates above by 1.00%.

Annual Percentage Rate (APR)
The APR assumes the maximum loan amount for the maximum term. For example, a $49,999.00 / 85% CLTV loan, 180 monthly payments of $493.00 would be required.

*Requests for larger loan amounts up to $200,000 considered on a case-by-case basis for homes with a CLTV of 80% or less only.

Origination Fee:
$200 Origination Fee for all Fixed Rate Equity Loans.

Closing Costs:
Tier 1: Borrower is responsible for all loan closing costs, except recording fees.
Tier 2: First Federal Bank will pay all closing costs, except Kansas Mortgage Registration Tax, if applicable.

Automatic Loan Payments (ALP):
Deduct 0.25% from rate or margin when ALP payment option from a First Federal Bank checking or savings account is selected for Fixed-Rate Equity Loans.