Home EquityLines of CreditYour home, your nest.Use your home's equity to get a line of credit for homeimprovements, college tuition, a new vehicle, or to payoff high-interest debts. Even better, the interest fromyour home equity line of credit may be tax deductible.Call us to discover how your home'snest egg can work for you.No appraisal feesthrough June 30thJeff HenchNMLS# 482665Retail LendingManager419-335-1741FIRST FEDERALBANKFirst-Fed.comf 211 S. Fulton St., Wauseon 419-335'Consultataxadvisorfor furtherinformation on taxdeductibility.0fferofCreditSubject to reditApprovalThisproductisforrew lines ofoedtof$20000ormore, or an increaseofS20000 ormoeonanexistingineofaedit.value 80%and Fin Federal Bankholdsthefirstmortgage The APRisbased on the arrent Prime Rateaspublishedin the Wal Street Journalplusamargin of 100%forloanswhere First Federal Bank doesnothavethefrstmortgageand the maximumloantovalueis70%. The rate is variableandmayincrease afterloandosing. The floor rate 50%draw period where monthly payments ofinterestonly are due. The minimummonthlyinterest payment is $10000The5 year draw periodisfollowedby a 10-year paybackperiod whereprindpalandinterestisbiled monthly Duringthe draw period youan access yourfundsbywriting checks Thereisno annual fee ornon usagefee. There is an earlytermination fee ifacustomerdecidestodosetherlne motjustpayittozero) withinthefirst 24months. Tbefeeis 2%of the balance atdosing with amaximumof 300 feesto set-uptheaccount are waived. Property insurance isrequired Floodinsurance maybe required. This offerexpireson June30, 2017

Date: April 11, 2017

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First Federal Bank

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Home Equity Lines of Credit Your home, your nest. Use your home's equity to get a line of credit for home improvements, college tuition, a new vehicle, or to pay off high-interest debts. Even better, the interest from your home equity line of credit may be tax deductible. Call us to discover how your home's nest egg can work for you. No appraisal fees through June 30th Jeff Hench NMLS# 482665 Retail Lending Manager 419-335-1741 FIRST FEDERAL BANK First-Fed.com f 211 S. Fulton St., Wauseon 419-335 'Consultataxadvisorfor furtherinformation on taxdeductibility.0fferofCreditSubject to reditApproval Thisproductisforrew lines ofoedtof$20000ormore, or an increaseofS20000 ormoeonanexistingineofaedit. value 80%and Fin Federal Bankholdsthefirstmortgage The APRisbased on the arrent Prime Rateaspublished in the Wal Street Journalplusamargin of 100%forloanswhere First Federal Bank doesnothavethefrstmortgage and the maximumloantovalueis70%. The rate is variableandmayincrease afterloandosing. The floor rate 50% draw period where monthly payments ofinterestonly are due. The minimummonthlyinterest payment is $10000 The5 year draw periodisfollowedby a 10-year paybackperiod whereprindpalandinterestisbiled monthly During the draw period youan access yourfundsbywriting checks Thereisno annual fee ornon usagefee. There is an early termination fee ifacustomerdecidestodosetherlne motjustpayittozero) withinthefirst 24months. Tbefeeis 2% of the balance atdosing with amaximumof 300 feesto set-uptheaccount are waived. Property insurance is required Floodinsurance maybe required. This offerexpireson June30, 2017

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