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For help with name, address or stock ownership changes, to report lost or stolen stock certificates or to get assistance with other shareholder issues, please contact our agent directly: Computershare Attention: Investor Relations, P.O. Box 30170, College Station, TX 77842. 1-800-368-5948 or www.computershare.com.

In all communication with Computershare be sure to mention First Federal of Northern Michigan Bancorp, Inc. and provide your name as it appears on your stock certificate, along with your Social Security number, daytime phone number and current address. In addition, individual investors may report a change of address, request a shareholder account transcript, place a stop on a certificate or obtain a variety of forms by going to www.computershare.com and visiting the online Investor CentreTM https://www-us.computershare.com/Investor/


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