First Federal s Services and Products

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1 Personal Banking Checking & Saving First Federal s Services and Products Evergreen Checking No First Federal fees for ATM use at any MoneyPass ATMs Free Online Banking and Bill Pay No minimum balance No monthly service charge No per check charge Unlimited check writing Free Mobile Banking Pacific Pride Checking Designed for customers 62 and over Competitive interest with balances of > $1,000 No First Federal fees for ATM use at any MoneyPass ATMs Free Online Banking and Bill Pay No minimum balance No per check charge 10bps rate bump on 2 year fixed rate CD Northwest Rewards Reimbursed for other financial institution ATM fees (up to $5.00/month) No First Federal fees for ATM use at any MoneyPass ATMs No minimum balance $8.00 monthly fee (waived if monthly qualifications met) No per check charge Earn bonus uchoose points monthly by using your debit card Designed for those who have online banking, estatements, 2 ACH or Bill Payments or 1 Direct Deposit, and use debit cards. Cascades Checking Earn higher interest on your higher checking balance Tiered interest rate structure with minimum balance of $1,000 or more(or $5,000 relationship balance previous month) No First Federal fees for ATM use at any MoneyPass ATMs 1

2 Free Online Banking and Bill Pay No per check charge Free Overdraft sweeps, 10bps rate bump on one 2 year fixed rate CD 25bps discounted rate on one non RE consumer loan of >$10,000 with auto pay $10.00 monthly charge if minimum balance falls below $1,000 and relationship balance >$5,000 Free Mobile BankingStudent Checking No Minimum Balance Up to 5 checks free per month No First Federal fees for ATM use at any MoneyPass ATMs Free Mobile Banking 25bps discounted rate on one non-re consumer term loan >$10,000 with auto pay Transaction/Statement Savings Account A convenient way to save and access your money for immediate or long-term needs. View your savings activities online, by e-statement, or customary paper statement. Can link to checking account to avoid expensive NSF fees. Money Market Deposit Account Earn competitive interest with the convenience of check writing, free debit card, and in-person withdrawals. Some withdrawal restrictions apply. Certificates of Deposit First Federal offers Certificates of Deposits with varying terms and fixed or variable rates. Ask about the options to fit your individual needs. Some withdrawal restrictions apply. Kids Savings Club Good savings habits start early with First Federal s Ollie the Otter Kids Savings Club Account. Collect your allowance, birthday and holiday gift money in your piggy bank and bring it to First Federal. Then watch your savings grow. $1 minimum opening balance. Holiday Club Account Arrange for automatic deposits to be placed into your Holiday Club Account, and you ll be ready for holiday shopping. You ll receive your funds in November, just in time for the holidays! IRA Health Savings Account (HSA) Plan for wellness, health care and medical emergencies with a First Federal Health Savings Account. Our HSA lets you save for current health expenses and grow unused funds tax-free for future medical expenses. Call today and talk with us about a Health Savings Account. Individual Retirement Accounts 2

3 First Federal provides both Traditional and Roth IRA plans to maximize retirement savings. Earnings may grow tax-free or tax-deferred and may be deductible from current income, depending on the plan you choose. We can put together plans with flexible distribution options as well as great options for accumulating IRA funds before you invest in higher yield term IRA certificates. Consult your tax advisor and talk with us about options and details. Coverdell Education Savings Account Coverdell Education Savings Accounts (ESA) were created to provide qualified investors with a flexible, tax-advantaged option for saving for qualified expenses associated with elementary, secondary or higher education. Funds contributed are considered a gift to the designated beneficiary. Assets grow tax-free and may be distributed free of penalty or federal income tax liability for qualified educational expenses such as tuition, fees, books, supplies, and, in certain circumstances, room and board. Assets can be rolled from the account of one beneficiary to an ESA of a qualified family member. Consult your tax advisor and ask a First Federal representative for details. Lending Personal Lending First Federal is proud to invest in the communities where we live and work. One way we do that is by offering the financing you need for new or used vehicles, boats, RVs, vacations, debt consolidation and more. Decisions are made locally, right here in the Pacific Northwest, by neighbors who understand your needs. And because decisions are made here, they re made quickly. Home Equity Line of Credit You can put the equity you ve been building in your home to work with First Federal Home Equity Line of Credit or fixed interest rate term. Use your funds for home improvements or additions, for auto financing, for vacations, major purchases, unexpected expenses and more. Interest rates are often lower than other financing options, and your interest may be tax-deductible. Consult your tax advisor and ask a First Federal representative about options to fit your individual needs. Overdraft Line of Credit Don t let the cost and embarrassment of overdrafts take you by surprise. Our Overdraft Line of Credit provides a personal unsecured loan to balance your account if you should overdraw. Apply for your own Overdraft Line of Credit today. Additional Services Online Banking and Bill Pay You re in control 24 hours a day, 7 days a week with First Federal s secure Online Banking and Bill Pay. Transfer funds between accounts, schedule bill payments, create text alerts, manage your budget, verify transactions and balances. And you can do it all whenever you want, from anywhere you have Internet access. PopMoney and Funds Transfer services 3

4 Immediately move money between your own accounts at different financial institutions and send secure person to person payments Mobile Banking Check your balances, deposit checks, transfer money or pay bills via text, mobile web, iphone, Android or ipad apps from First Federal. Touch Tone Teller Toll Free Access your First Federal accounts by phone 24 hours a day, every day of the year. Transfer funds between accounts, check on balances or cleared checks, make regular loan payments, check loan balances and more. Personal FinanceWorks First Federal is pleased to introduce a better way to organize your finances FinanceWorks powered by Quicken. This great tool allows you to: Manage your finances in one place Ensure your bills are paid on time See where you re spending your money Know how much you really have to spend FinanceWorks is available now for our online banking customers. Along with all of its great features, it s easy to use. Automatic Savings Plan Ensure that you re saving for the future with a First Federal automatic monthly transfer from your First Federal checking account to your savings account, Nine Month Variable Rate CD or VIP IRA account. Additional Services First Federal ATM/Debit Card Night Depository Notary Services Safe Deposit Boxes Signature Guarantee (Medallion) Cashier s Checks Wire Transfers Online Loan Applications Online Deposit Account Opening Deposit Capture Online Mortgage and Consumer loan application 4

5 Business Banking Services Business Checking Everyday Business Checking Designed for the business owner who generally has a low volume of transactions, this account allows up to 50 transactions per statement cycle with no per item fee. A 25 cent per deposit or withdrawal fee, and 0.10 cent per deposited item is applied after 50 transactions per cycle. Unlimited ACH and POS transactions for free. Advanced Business Checking With more flexibility and choices, this account is designed for businesses with moderate monthly transaction volume. A monthly $10.00 fee can be waived with $2,000 minimum daily balance or $5,000 average daily balance. Allows up to 200 transactions per statement cycle for fee. (Transactions are deposits, check withdrawals and deposited items.) The fees for over 200 transactions are; 0.25 cents per deposit and withdrawals, and 0.10 cents per deposited items. Unlimited POS and ACH for free. Analyzed Business Checking This account is designed for businesses with higher transaction volume (>200) or that use Cash Management services and can maintain a higher relationship balance to offset fees. There is a $10.00 monthly maintenance fee that can be offset by Earnings Credit. Fees are; 0.10 cents for deposits, 0.05cents per deposited item, 0.12 for cleared checks, and a 0.11/$1,000 balance carrying fee. Unlimited ACH and POS transactions. Business Lines of Credit Funds are ready when you need them with First Federal s Business Line of Credit. Transfer and withdraw funds at your convenience by phone, online or in person. Business Loans First Federal wants to be your partner in growing your business. Talk with us about loans for working capital, construction, vehicles, equipment, technology and other business needs. Credit and Debit Card Merchant Services The ability to accept and manage electronic payments is critical to every business. First Federal helps you securely accept all types of electronic payments affordably, including credit and debit cards. Features include: Credit, Debit and EBT card acceptance Android and iphone payment ready E-Commerce Solutions Electronic check conversation Affordable processing rates 5

6 Easy-to-understand monthly statements 24/7 Customer and Technical support Merchant Night Drop Depository First Federal s Merchant Night Drop Depository gives you the convenience and security of 24- hour bank deposits. Business or personal deposits will be processed the next business day. Deposit bags are available at any branch. Monthly Statements Free detailed monthly statements to reconcile your account. Free estatements include an imaged copy of every check that clears your account, estatements are easy to archive for future reference. 24-Hour Touch-Tone Teller Access account information, transfer funds, order stop-payments, and make First Federal loan payments, balances your checkbook and more at your convenience from home, work or anywhere with phone access. Use the Touch-Tone Teller to verify a check 24 hours a day. Call any time. Business Visa Credit Card Facilitate, monitor and track business travel and purchases with a First Federal Business Visa. Your First Federal Business Visa can also give you access to ATM machines throughout the world. Additional Services Debit Card with MoneyPass and UChoose Rewards Notary Services Safe Deposit Boxes Signature Guarantee (Medallion) Cashier s Checks Wire Transfers Business Online Banking with Cash Management Services Commercial Real Estate Loans First Federal can help with loans for purchase, refinance and construction of income properties in Clallam, Jefferson, Kitsap and Whatcom counties, we can make your ideal business location a reality. Talk with a First Federal Commercial Relationship Manager today. Business Savings When First Federal Business Savings and Business Checking products are used by the same entity, monthly savings account maintenance fees are waived. Business Online Banking/Cash Management Maximize assets and efficiency with First Federal Cash Management Services. First Federal Business Online Banking means your options are at your fingertips 24 hours a day from wherever you have Internet access. 6

7 Funds Transfers With First Federal Online Banking, you can: Initiate account transactions Set daily maximum limits Set per transaction account limits Originate wire transfers Schedule recurring and one-time transfers Payroll, vendor, collections and cash concentration ACH origination payments are supported. Reporting You define the parameters of reports that help you make better business decisions. Receive detail and/or summary reports for all your First Federal accounts. Change the report parameters whenever you choose and export your information to most accounting software programs for easy accounting management and tax planning. Remote Deposit Capture Make your deposits without ever leaving the comfort of your office! Now you can make daily check deposits to your First Federal account right from the convenience of your own office anytime with Remote Deposit Capture. Safe, quick, and easy, let us show you how Remote Deposit Capture can save you time and improve efficiency today! Mortgage Services Mortgage Banking First Federal is a community organization. That makes us different. We re in this together, and helping our neighbors in the Pacific Northwest own homes is part of the reason we exist. How can we help? How can we make the experience better, faster, more convenient? We re local; all the decision makers are local, and we understand your needs. You have a lot of home lending options at First Federal, and we ll explore them with you then put together the combination of terms and rate that fits you best. Buying, refinancing or building a home may be one of the most important financial decisions you make, whether you re thinking of your first home, your dream home or a family vacation home. There are a lot of factors to think about, but you won t have to do it alone. We can help you decide if a fixed or variable rate is better for you, whether a conventional mortgage or some of the alternative home loan options will work best. Conventional Fixed Rate Mortgages Our long term, fixed rate mortgage is the traditional way to finance a home. The interest rate stays the same for the entire term of the mortgage, so your monthly principal and interest payment is always the same. Adjustable Rate Mortgages (ARM) 7

8 With an Adjustable Rate Mortgage (ARM), your initial rate is lower than the rate on a fixed rate mortgage. This means lower monthly payments at first, a real savings that can help you offset the costs of your down payment, closing costs, moving expenses and other incidentals hat are part of buying a new home. Depending on rate movements in general, the ARM may offer a lower cost over the life of the loan. First Federal ARMs feature caps which limit the amount your interest rate can change in a single year and over the life of the loan. Construction Loans Construction loans provide financing while you build your new home or remodel your existing home. Funds can be advanced as you need them to cover current construction costs. During construction you pay interest only on the funds you ve used. Land Loans Land loans are available for financing future home sites and property up to 20 acres. Refinancing Refinancing your home may be a very smart financial decision. First Federal can help with that too. Again, we ll look at the options and customize a loan that fits you best. No or Low Down Payment Loan Programs These programs offer an array of loans designed to meet the credit needs of low and moderate income residents as well as those who are first time home buyers to the real estate market. These loan programs feature no down payment or a low one, making it easier than ever to own your own home. With affordable monthly payment plans, home ownership can be a reality for almost everyone. Talk with us today about the loan that fits you! Home Equity Loans and Lines of Credit These allow you to use the equity in your home to finance remodeling and home improvements as well as major purchases and unexpected expenses. The interest you pay on a Home Equity Loan or Line of Credit may be tax deductible, so consult your tax advisor. Investment Services Products we offer include: Mutual Funds Annuities Stocks Bonds IRAs Retirement Planning Wealth Management Insurance: Life, Disability and Long-Term Care College Savings Retirement Plans for Businesses 8

9 At First Federal Investment Services, we know that the savings and investment decisions that you make today will impact your financial future. Traditional bank savings products offer the security of FDIC insurance, a fixed principal value and rate of return, but they may not always provide the growth or income you need to achieve your goals. Just like you, many bank customers are starting to diversify their savings. Refer to List of Branches and ATMs for a list of branch services including hours of operations. 9