Are all investment roadmapsthe same?At Chemical Bank, our philosophy is deeply rooted in the tradi-

tion of providing highly personalized investment services, local

staffing and community involvement. There are many ways to

reach your financial goals. We are dedicated to helping you find

the investment route that gets you there safely and on schedule.

For more informationChemical Bank offers special investment banking services

throughout our service area. Schedule a no-fee introductory

meeting with one of our trust professionals to learn more.

We’ll be glad to help analyze your estate planning and

investment requirements and answer any questions you

might have. For the location nearest you, call 989-839-5404

or 800-808-5404. Or you may send a fax to 989-839-5479.

Our website, www.chemicalbankmi.com, also contains

additional resources and information.

Are all investment roadmapsthe same?At Chemical Bank, our philosophy is deeply rooted in the tradi-

tion of providing highly personalized investment services, local

staffing and community involvement. There are many ways to

reach your financial goals. We are dedicated to helping you find

the investment route that gets you there safely and on schedule.

For more informationChemical Bank offers special investment banking services

throughout our service area. Schedule a no-fee introductory

meeting with one of our trust professionals to learn more.

We’ll be glad to help analyze your estate planning and

investment requirements and answer any questions you

might have. For the location nearest you, call 989-839-5404

or 800-808-5404. Or you may send a fax to 989-839-5479.

Our website, www.chemicalbankmi.com, also contains

additional resources and information.

Are you confused aboutinvestment choices?Investing is an evolutionary process reflecting the dynam-

ic trends of our economy and the ever-changing society

in which we live. While change can be exhilarating, in

the world of investing it can result in confusion and

uncertainty. If you have ever had concerns about your

investment portfolio or wondered if your current invest-

ment plan will meet your family’s need, you are not alone.

For over forty years, the professionals at Chemical Bank

have helped thousands of investors just like you stay on

the road to financial success with innovative investment

solutions.

How to get on the rightroad.Chemical Bank’s investment solutions begin with deter-

mining what you want your money to do for you. When

setting financial goals, it is important to determine spe-

cific guidelines – similar to using a roadmap to reach your

destination. Without a good financial plan, one incorrect

turn could take you in the wrong direction, leading to

wasted time and lost opportunity.

Start by making a simple list of all your financial goals.

By identifying and prioritizing your needs – such as buy-

ing a new home, paying college tuition for your children

or funding your retirement – you can select appropriate

investments that will help you achieve your goals. The

investment team at Chemical Bank can help you with

some basic questions about where you are today and

where you want to go.

Next, review your personal circumstances, your risk toler-

ance, your time horizon and other individual factors that

will help determine the investment roadmap that is right

for you. Chemical Bank’s investment professionals can

lead you through our client-oriented process to ensure

that you get the investment services you want and not

what someone else thinks you need.

At Chemical Bank, we take the time to get to know you.

To us, you are not only a client, but also a neighbor. We

want to help you map out a route to achieve your finan-

cial goals, whatever they might be.

Why Chemical Bank?Many investment firms in the marketplace collect assets

through local brokers referred to as “asset gatherers.”

Their job is to send your assets elsewhere to be managed

by the firm’s managers. Too often, these firms are more

focused on sales than sound investment strategies.

You will not get a high-pressure sales pitch from the staff

at Chemical Bank because our advice is not limited by

internal investment restrictions. Instead, we leverage the

expertise of independent, highly respected industry

researchers and market analysts to help us navigate

an investment strategy that is right for you.

We also do not have proprietary investment prod-

ucts or financial instruments that must be marketed

to reach sales targets. Our investment team will act

independently and is not bound by any direct quo-

tas. Your interests will always be our top priority

as we travel together on the road to your financial

success.

We provide full-service asset management at a cost that is

competitive with that of other management companies,

including mutual funds and advisory firms. Whether

you need investment advice, life insurance analysis or

long-term retirement planning, Chemical Bank has a

location near you that is ready to help. Performance,

flexibility, proximity and choice – that is what you will

like about Chemical Bank.

How does Chemical Banknavigate the roadmap tosuccessful investing?Chemical Bank employs an “open architecture” approach

to investing your funds. An open architecture system

adapts to your needs, rather than forcing you to

adapt to the limitations of the financial insti-

tution. In essence, it gives you choices so you

can follow the route that is best for you by

eliminating the roadblocks that could prevent

you from reaching your goals.

For example, if mutual funds are your prefer-

ence, we use a comprehensive screening process

that narrows down the thousands of funds out

there to a select group of about 200 that are the

most appropriate for your portfolio. We also offer a

number of model portfolios comprised of some of the

best-performing mutual funds. Our process of investment

analysis ensures that your portfolio includes the most

suitable, best-performing funds available based on your

investment goals.

If tax efficiency is your priority, Chemical Bank’s invest-

ment team can craft a portfolio tailored to your needs.

Again, we use a sophisticated screening process to deter-

mine which securities should be purchased and which

should be sold. If you ever have questions about any pur-

chase or sale, you can talk directly to the manager who

initiated the transaction and get a full explanation. At

Chemical Bank, providing personalized service, high

ethical standards and complete financial transparency

is more than a motto, it is a tradition.

Some clients seek to diversify financial risk over multiple

asset classes, investment styles and managers. If this is

your preference, our separately managed accounts could

be right for you. This program offers a wide selection of

highly qualified investment managers from across the

country representing a variety of asset classes. We can

help create an individualized portfolio that emphasizes

wealth protection by selecting an appropriate blend of

investment alternatives. Your results are delivered to you

conveniently in a single, consolidated statement at a

competitive cost.

BASIC QUESTIONS WE ASK:• How is your current portfolio invested?

• How did you arrive there?

• What aspects of your current portfolio do youlike and what would you like to change?

• What do you hope to achieve with your portfolio?

• How do you envision getting there?

TRUST SERVICES• Personal Trust

• Investment Services

• Individual Retirement Plans

• Group Retirement Plans

• Estate Planning

• Cash Management

OTHER SERVICES• Full range of fiduciary services for

individual and institutional customers

• Administration of estates, escrows and custodial arrangements

• Broad variety of retirement planning services

Whatever your goals or risk tolerance, Chemical Bank has an investment roadmap that is right for you!

Are you confused aboutinvestment choices?Investing is an evolutionary process reflecting the dynam-

ic trends of our economy and the ever-changing society

in which we live. While change can be exhilarating, in

the world of investing it can result in confusion and

uncertainty. If you have ever had concerns about your

investment portfolio or wondered if your current invest-

ment plan will meet your family’s need, you are not alone.

For over forty years, the professionals at Chemical Bank

have helped thousands of investors just like you stay on

the road to financial success with innovative investment

solutions.

How to get on the rightroad.Chemical Bank’s investment solutions begin with deter-

mining what you want your money to do for you. When

setting financial goals, it is important to determine spe-

cific guidelines – similar to using a roadmap to reach your

destination. Without a good financial plan, one incorrect

turn could take you in the wrong direction, leading to

wasted time and lost opportunity.

Start by making a simple list of all your financial goals.

By identifying and prioritizing your needs – such as buy-

ing a new home, paying college tuition for your children

or funding your retirement – you can select appropriate

investments that will help you achieve your goals. The

investment team at Chemical Bank can help you with

some basic questions about where you are today and

where you want to go.

Next, review your personal circumstances, your risk toler-

ance, your time horizon and other individual factors that

will help determine the investment roadmap that is right

for you. Chemical Bank’s investment professionals can

lead you through our client-oriented process to ensure

that you get the investment services you want and not

what someone else thinks you need.

At Chemical Bank, we take the time to get to know you.

To us, you are not only a client, but also a neighbor. We

want to help you map out a route to achieve your finan-

cial goals, whatever they might be.

Why Chemical Bank?Many investment firms in the marketplace collect assets

through local brokers referred to as “asset gatherers.”

Their job is to send your assets elsewhere to be managed

by the firm’s managers. Too often, these firms are more

focused on sales than sound investment strategies.

You will not get a high-pressure sales pitch from the staff

at Chemical Bank because our advice is not limited by

internal investment restrictions. Instead, we leverage the

expertise of independent, highly respected industry

researchers and market analysts to help us navigate

an investment strategy that is right for you.

We also do not have proprietary investment prod-

ucts or financial instruments that must be marketed

to reach sales targets. Our investment team will act

independently and is not bound by any direct quo-

tas. Your interests will always be our top priority

as we travel together on the road to your financial

success.

We provide full-service asset management at a cost that is

competitive with that of other management companies,

including mutual funds and advisory firms. Whether

you need investment advice, life insurance analysis or

long-term retirement planning, Chemical Bank has a

location near you that is ready to help. Performance,

flexibility, proximity and choice – that is what you will

like about Chemical Bank.

How does Chemical Banknavigate the roadmap tosuccessful investing?Chemical Bank employs an “open architecture” approach

to investing your funds. An open architecture system

adapts to your needs, rather than forcing you to

adapt to the limitations of the financial insti-

tution. In essence, it gives you choices so you

can follow the route that is best for you by

eliminating the roadblocks that could prevent

you from reaching your goals.

For example, if mutual funds are your prefer-

ence, we use a comprehensive screening process

that narrows down the thousands of funds out

there to a select group of about 200 that are the

most appropriate for your portfolio. We also offer a

number of model portfolios comprised of some of the

best-performing mutual funds. Our process of investment

analysis ensures that your portfolio includes the most

suitable, best-performing funds available based on your

investment goals.

If tax efficiency is your priority, Chemical Bank’s invest-

ment team can craft a portfolio tailored to your needs.

Again, we use a sophisticated screening process to deter-

mine which securities should be purchased and which

should be sold. If you ever have questions about any pur-

chase or sale, you can talk directly to the manager who

initiated the transaction and get a full explanation. At

Chemical Bank, providing personalized service, high

ethical standards and complete financial transparency

is more than a motto, it is a tradition.

Some clients seek to diversify financial risk over multiple

asset classes, investment styles and managers. If this is

your preference, our separately managed accounts could

be right for you. This program offers a wide selection of

highly qualified investment managers from across the

country representing a variety of asset classes. We can

help create an individualized portfolio that emphasizes

wealth protection by selecting an appropriate blend of

investment alternatives. Your results are delivered to you

conveniently in a single, consolidated statement at a

competitive cost.

BASIC QUESTIONS WE ASK:• How is your current portfolio invested?

• How did you arrive there?

• What aspects of your current portfolio do youlike and what would you like to change?

• What do you hope to achieve with your portfolio?

• How do you envision getting there?

TRUST SERVICES• Personal Trust

• Investment Services

• Individual Retirement Plans

• Group Retirement Plans

• Estate Planning

• Cash Management

OTHER SERVICES• Full range of fiduciary services for

individual and institutional customers

• Administration of estates, escrows and custodial arrangements

• Broad variety of retirement planning services

Whatever your goals or risk tolerance, Chemical Bank has an investment roadmap that is right for you!

Are you confused aboutinvestment choices?Investing is an evolutionary process reflecting the dynam-

ic trends of our economy and the ever-changing society

in which we live. While change can be exhilarating, in

the world of investing it can result in confusion and

uncertainty. If you have ever had concerns about your

investment portfolio or wondered if your current invest-

ment plan will meet your family’s need, you are not alone.

For over forty years, the professionals at Chemical Bank

have helped thousands of investors just like you stay on

the road to financial success with innovative investment

solutions.

How to get on the rightroad.Chemical Bank’s investment solutions begin with deter-

mining what you want your money to do for you. When

setting financial goals, it is important to determine spe-

cific guidelines – similar to using a roadmap to reach your

destination. Without a good financial plan, one incorrect

turn could take you in the wrong direction, leading to

wasted time and lost opportunity.

Start by making a simple list of all your financial goals.

By identifying and prioritizing your needs – such as buy-

ing a new home, paying college tuition for your children

or funding your retirement – you can select appropriate

investments that will help you achieve your goals. The

investment team at Chemical Bank can help you with

some basic questions about where you are today and

where you want to go.

Next, review your personal circumstances, your risk toler-

ance, your time horizon and other individual factors that

will help determine the investment roadmap that is right

for you. Chemical Bank’s investment professionals can

lead you through our client-oriented process to ensure

that you get the investment services you want and not

what someone else thinks you need.

At Chemical Bank, we take the time to get to know you.

To us, you are not only a client, but also a neighbor. We

want to help you map out a route to achieve your finan-

cial goals, whatever they might be.

Why Chemical Bank?Many investment firms in the marketplace collect assets

through local brokers referred to as “asset gatherers.”

Their job is to send your assets elsewhere to be managed

by the firm’s managers. Too often, these firms are more

focused on sales than sound investment strategies.

You will not get a high-pressure sales pitch from the staff

at Chemical Bank because our advice is not limited by

internal investment restrictions. Instead, we leverage the

expertise of independent, highly respected industry

researchers and market analysts to help us navigate

an investment strategy that is right for you.

We also do not have proprietary investment prod-

ucts or financial instruments that must be marketed

to reach sales targets. Our investment team will act

independently and is not bound by any direct quo-

tas. Your interests will always be our top priority

as we travel together on the road to your financial

success.

We provide full-service asset management at a cost that is

competitive with that of other management companies,

including mutual funds and advisory firms. Whether

you need investment advice, life insurance analysis or

long-term retirement planning, Chemical Bank has a

location near you that is ready to help. Performance,

flexibility, proximity and choice – that is what you will

like about Chemical Bank.

How does Chemical Banknavigate the roadmap tosuccessful investing?Chemical Bank employs an “open architecture” approach

to investing your funds. An open architecture system

adapts to your needs, rather than forcing you to

adapt to the limitations of the financial insti-

tution. In essence, it gives you choices so you

can follow the route that is best for you by

eliminating the roadblocks that could prevent

you from reaching your goals.

For example, if mutual funds are your prefer-

ence, we use a comprehensive screening process

that narrows down the thousands of funds out

there to a select group of about 200 that are the

most appropriate for your portfolio. We also offer a

number of model portfolios comprised of some of the

best-performing mutual funds. Our process of investment

analysis ensures that your portfolio includes the most

suitable, best-performing funds available based on your

investment goals.

If tax efficiency is your priority, Chemical Bank’s invest-

ment team can craft a portfolio tailored to your needs.

Again, we use a sophisticated screening process to deter-

mine which securities should be purchased and which

should be sold. If you ever have questions about any pur-

chase or sale, you can talk directly to the manager who

initiated the transaction and get a full explanation. At

Chemical Bank, providing personalized service, high

ethical standards and complete financial transparency

is more than a motto, it is a tradition.

Some clients seek to diversify financial risk over multiple

asset classes, investment styles and managers. If this is

your preference, our separately managed accounts could

be right for you. This program offers a wide selection of

highly qualified investment managers from across the

country representing a variety of asset classes. We can

help create an individualized portfolio that emphasizes

wealth protection by selecting an appropriate blend of

investment alternatives. Your results are delivered to you

conveniently in a single, consolidated statement at a

competitive cost.

BASIC QUESTIONS WE ASK:• How is your current portfolio invested?

• How did you arrive there?

• What aspects of your current portfolio do youlike and what would you like to change?

• What do you hope to achieve with your portfolio?

• How do you envision getting there?

TRUST SERVICES• Personal Trust

• Investment Services

• Individual Retirement Plans

• Group Retirement Plans

• Estate Planning

• Cash Management

OTHER SERVICES• Full range of fiduciary services for

individual and institutional customers

• Administration of estates, escrows and custodial arrangements

• Broad variety of retirement planning services

Whatever your goals or risk tolerance, Chemical Bank has an investment roadmap that is right for you!

Are all investment roadmapsthe same?At Chemical Bank, our philosophy is deeply rooted in the tradi-

tion of providing highly personalized investment services, local

staffing and community involvement. There are many ways to

reach your financial goals. We are dedicated to helping you find

the investment route that gets you there safely and on schedule.

For more informationChemical Bank offers special investment banking services

throughout our service area. Schedule a no-fee introductory

meeting with one of our trust professionals to learn more.

We’ll be glad to help analyze your estate planning and

investment requirements and answer any questions you

might have. For the location nearest you, call 989-839-5404

or 800-808-5404. Or you may send a fax to 989-839-5479.

Our website, www.chemicalbankmi.com, also contains

additional resources and information.