YOU HAVE A HAND
IN FIRST FEDERAL'S
GROWTH

* FIRST FEDERAL OF MICHIGAN *

Help us do more for you
by voting for stock
conversion.

in no way affect your accounts at
First Federal. Nor does it obligate
you to buy stock. However, that
option is available.

To meet more of your financial
needs, First Federal would like to
expand its services. To do this, we
need your
"yes" vote for

Voting is as easy as 1-2-3.

a stock
form of
ownership.
As a stock asso-
ciation, we'll have
added capital strength
for our depositors, and
the financial support to
increase lending, expand
facilities, make acquisitions
and grow.
Voting for stock conversion will

FEDERAL

FIRST FEDERAL OF MICHIGAN

Main Office: 1001 Woodward Avenue, Detroit, Michigan 48226. Phone: (313) 965-1400.

Ann Arbor
(313) 434-7060

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All eligible First Federal customers
will receive a detailed Proxy State-
ment in the mail along with a
Proxy Card. If you receive more
than one Proxy, please vote and
return each one.
Simply mark your vote in the
appropriate box, sign and date
your Proxy, and mail in the
postage-paid envelope.
All votes must be received by
November 2, 1983. And it's impor-
tant that you do vote. Because
abstaining is just like voting "no"
If you have any questions, call
our conversion center's toll-free
hot line-1-800-992-3118. Or stop
by any First Federal office. Don't
pass up this opportunity to have a
hand in our growth.

Branch offices throughout metropolitan Detroit and in:
Lansing
Kalamazoo
Grand Rapids
Boyne City
(616) 349-2631
(517) 332-7158
(616) 942-6570
(616) 582-6715

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Owosso
(517) 725-8141