CHEMICAL FINANCIAL CORPORATION
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Chemical Financial Corporation operates as a multibank holding company that offers commercial banking services in Michigan. Its primary subsidiaries include Chemical Bank and Trust Company, Chemical Bank Shoreline, and Chemical Bank West. The company provides personal checking accounts, savings and individual retirement accounts, time deposit instruments, and electronically accessed banking products. It also offers residential and commercial real estate financing, commercial lending, consumer financing, debit cards, safe deposit services, access to insurance and investment products, money transfer services, corporate and personal trust services, and other banking services. In addition, the company's other insurance subsidiary, CFC Financial Services, Inc., provides mutual funds and annuity products; and through CFC Title Services, Inc. issues title insurance to buyers and sellers of residential and commercial mortgage properties, including properties subject to loan refinancing. As of December 31, 2004, Chemical Financial Corporation and its subsidiaries operated 132 banking offices and 1 loan production office in 32 counties in the lower peninsula of Michigan. The company is headquartered in Midland, Michigan.