| Principal Prepayment Policy |
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Prepayable with no fee on repricing dates (excluding
any "lockout" periods established by the borrower at inception), with two business day
notification; 1 month LIBOR advances can only be prepaid on repricing dates; any other prepayments
on 3 month LIBOR indexed advances may be subject to prepayment fee (equal to the present value of
100% of the lost cash flow for the term to the next repricing, based upon the difference between the
LIBOR rate in effect on the advance and the current yield on FHLBank securities-if current yield on FHLBank
securities is >= rate on LIBOR advance, no prepayment fee is assessed)
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