D&N FINANCIAL CORP - Proxy Statement (definitive) (DEF 14A) NAME AND TITLE

The directors of the Company who have been nominated for reelection to the Board for a one year term, and their respective positions with the Company are as follows:

                                                              Officer/
Name                         Position                     Director Since
----                         --------                     --------------
Jerry D. Campbell            Chairman of the Board and        1985
                             Chief Executive Officer

Dana M. Cluckey              President, Chief Operating       1986/1995
                             Officer and Director

Bruce L. Cook                Director                         1985

Richard J. Cramer, Sr.       Director                         1991

George A. Eastman            Director                         1990

Howard J. Hulsman            Director                         1985

Gary Hurand                  Director                         1990

Dennis J. Ibold              Director                         1993

Stephen M. Klein             Director                         1988

John J. Lennon               Director                         1993

Sam H. McGoun                Director                         1990

Kelly E. Miller              Director                         1990

Joe D. Pentecost             Director                         1985

George B. Smith              Director                         1987

Jeoffrey K. Stross           Director                         1993