Securities Brokerage/Insurance

Don Butler, a Registered Representative through Capital is also affiliated with CIC Advisers, LLC. Through Capital, he provides a full array of securities brokerage and insurance products and services to clients, including First Federal Bank customers and others in our coverage area. Capital is a separate entity and is not affiliated with First Federal Bank.

Securities and Investment Products

Through Capital, Mr. Butler offers a broad array of securities and other non-bank products to meet the needs of clients' financial portfolios. Capital products include, among others, stocks, bonds, derivatives (options), corporate bonds, municipal bonds, mutual funds, real estate investment trusts ("REITs"), fixed and variable annuities, and U.S. government and government agency instruments.

Investment Philosophy

Don Butler asks questions about the financial status and goals of potential clients. He listens carefully to make sure he understands their goals and works with them honestly and directly to find the best products to satisfy individual investment objectives and ensures that all choices are consistent with their financial profile and risk tolerance.

Through Capital, Mr. Butler uses his experience and knowledge in combination with the client-provided information to bring a reasoned approach to the most appropriate investment strategy. Relevant investments are then used to fulfill that strategy.

Mr. Butler says, "Not every investment opportunity is right for every client. The key is making sure your choices are appropriate for your life stage, financial goals and your comfort level."

Other Financial Services

Mr. Butler and Capital offer access to many other financial services and products which may be important to achieving your overall financial goals, including:

• Individual Retirement Accounts
• Business Retirement Plans
• Trust Accounts and Services
• Wealth Management Platforms
• 1031 Exchange Services
• Individual, Family and Group Health Insurance
• Life Insurance
• Long Term Care/Medicare Supplement Coverages
• Estate Planning

First Federal Bank does not sell or provide securities investment management, investment advisory, or broker/dealer products or services. All such products and services are provided to First Federal Bank's customers through Capital Investment Group, Inc., which is a separate entity and is not affiliated with First Federal Bank. These securities and investment products are not FDIC insured; are not deposits or other obligations of and are not guaranteed by First Federal Bank; and are subject to investment risks, including possible loss of the principal invested.

For more information on NASD, please visit www.NASD.com

"Advisory services offered through CIC Advisers, LLC, an affiliate of Capital Investment Group, Inc."

Corporate Offices: 17 Glenwood Avenue Raleigh, NC 27603