PREMIER E-CORP COMMERCIAL ONLINE BANKING & CASH MANAGEMENT SERVICES

Premier E-Corp is a new, internet based Cash Management and Online Banking product with our commercial customer's needs in mind. Below are examples of what this product can do for you and your business.

• Commercial Online Banking-View all of your First Federal of Northern Michigan accounts online. View transaction history, perform stop pays, transfer funds between accounts, view statements and even download transactions. ^`
• Commercial Bill Pay-the same features and functions as regular Bill Pay with added security and controls.
• Foreign and Domestic Wire Transfers.
• Premier ACH-Internet initiated and managed ACH files including: Direct Deposit Payroll (no matter the employee's financial institution), State and Federal Tax payments, CCD Transactions, Point-of-Purchase, Internet Initiated and Telephone Initiated entries*.

If you are interested in Premier E-Corp, please contact a Customer Service Representative at your local branch or contact us at 800-498-0013.

* Not all services will be available to all customers. This offer may be subject to credit approval. Transaction limits apply.