Chemical Financial Corporation (Corporation) is a financial holding company. The Company, through its subsidiary bank, Chemical Bank, offers a range of banking and fiduciary products and services. These products and services include business and personal checking accounts, savings and individual retirement accounts, time deposit instruments, electronically accessed banking products, residential and commercial real estate financing, commercial lending, consumer financing, debit cards, access to insurance and investment products, corporate and personal wealth management services and other banking services. It operates through an internal organizational structure of four regional banking units. Chemical Bank directly owns three operating non-bank subsidiaries: CFC Financial Services, Inc., CFC Title Services, Inc. and CFC Capital, Inc. The Company also operates Monarch Community Bank as a separate subsidiary.