Zeeland, MI | Official Website

21 South Elm Street • Zeeland, Michigan 49464 • (616) 772-6400 • FAX (616) 772-5352

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CITY COUNCIL MEMORANDUM

TO: Mayor Klynstra and City Councilmembers FROM: Tim Klunder, City Manager SUBJECT: City Manager’s Report DATE: August 2, 2019 CC: August 5th Council Agenda

Washington Ave Project – We held our first progress meeting this past Tuesday. I have attached the minutes from that meeting. The construction focus is currently on underground utility work. The storm sewer work, which is very deep on the west end, did create some access difficulty for Biggby. With the assistance of the contractor and engineers, we have attempted to put regular updates on our various social media platforms as access to Biggby alternated from the east and west. As the contractor starts to work on the watermain and sanitary sewer, there should be more consistent access to Biggby. Other businesses along the corridor have maintained pretty good access for a street under reconstruction. Reith Riley Strike – You may have heard that Reith Riley is on strike. They are the paving contractor for Washington Avenue. Depending on how the long the strike last, it may have an impact on the project but it is too early to tell. It is impacting repairs we have been working on some of our non-motorized pathways. We milled some bad spots on the pathway and were ready to have them repaved, but we are currently on hold with those repairs. Downtown Vision Committee – The Downtown Vision Committee met this past Monday to focus on the city’s property at 3 E. Main, the other corners at Main/State; and the possibility of a downtown passageway – primarily from the north parking lot to Main. The consultant will now take the information gathered during the meeting and generate a report. We are targeting an initial recommendation, at least for 3 E. Main, for City Council’s September 3rd meeting. Planning Commission – The Planning Commission held their regular monthly meeting this past Thursday. At the meeting they approved a new three-story, 13,000 sq.ft. addition, to the Centennial West building. The addition will host a chemical lab. The Planning Commission also

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scheduled a public hearing for September 5th on a proposed revision to the burning ordinance. I have attached the revised draft for your information. The updated ordinance looks to clarify the ability to have recreational fires while also providing guidance on the appropriate method of having a recreational fire. Attachment – The City Clerk’s Monthly Report is attached for your review. Should you have any questions or concerns regarding any of the material contained herein or any other city related matter, please do not hesitate to call upon me. Have a great weekend.

Timothy R. Klunder, City Manager

2020 Monroe Avenue NW | Grand Rapids, MI 49505‐6298 T [616] 363 9801 | F [616] 363 2480 | W mbce.com

MINUTES FOR PROGRESS MEETING NO. 1 Date: July 30, 2019

Project: Reconstruction of Washington Avenue Project No.: 180130.01 MDOT No.: 130732A

Attendance Name Representing Phone Email Address Tim Klunder City of Zeeland [email protected] Susan Moore City of Zeeland [email protected] Scott Nienhuis City of Zeeland [email protected] Mikel Levandoski Zeeland BPW [email protected] Tracey Dekraker Zeeland BPW [email protected] Brad Kreider K&R [email protected] Ian Martin K&R [email protected] Al Pennington M+B [email protected] Piotr Lewak M+B [email protected] Dan Baker M+B

[email protected]

Distribution: All Attendees Keith Campbell MDOT – Muskegon TSC [email protected] Doug Engelsman City of Zeeland [email protected] Kevin Plockmeyer City of Zeeland

[email protected]

Soil Erosion and Sedimentation Control CB protection and silt fence installed. Dust palliative was applied and water is being applied daily.

Traffic Control Access to businesses to be communicated to businesses and City. Daily updates for now, especially Bigby.

Safety All workers on site shall wear hard hats and protective gear as required by MIOSHA and safe operations shall be conducted.

Schedule Pavement removal for Phase 1 is done. Storm sewer construction and the section from the west limits to the roundabout will be done this week. Water main started this week and will be done in 2 weeks. Water services to follow after T&C. Sanitary sewer to start next week and will take approximately 1 week. There are currently 2 underground crews and will be for 2 weeks.

Submittals Uploaded to ProjectWise.

Project No. 180130.01 Page 2

Plan Revisions Additional Ducts Underdrain added west of roundabout Detour route

Contract Modifications None to date.

Old Business

New Business Office Outlet sign to be removed. Verify the electrical that has been abandoned. BPW has anchor bolts for street light pole bases. Water main layout was reviewed after the meeting for valve and hydrant placement along with crossings.

Next Meeting Date 10:30 a.m., Tuesday, August 13, 2019, at Bigby.


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MEMORANDUM

To: Tim Klunder, City Manager From: Pam Holmes, City Clerk Date: August 2, 2019 Re: Monthly Activity Report The following activities occurred in the City Clerk/Personnel Office for the period July 1 through July 31: • Prepared Council packets for the July 1 and July 15, 2019 meetings. • Processed required paperwork for 5 burials (1 resident and 4 non-resident), 6 lot sales

(2 resident and 4 non-resident) and transfers for 16 lots. • Processed 62 voter registrations including new, changes and deletions. • Continued to follow up on Voter Confirmation Cards that have been returned; either by

the Voter or the Post Office. Sent new Confirmation Cards to voters that the State identified as having surrendered licenses and set the cancellation countdown for these voters.

• Set up a visit with our ICMA rep, Bill Sims. He was here on July 24 and 25 and met with several employees regarding their retirement goals.

• Entered all new pay increase amounts, effective July 1, into the employee data base. • Continuing to work on our Operational Goals.

Meetings: • City Clerk attended the July 1 and July 15, 2019 City Council meetings. • City Clerk attended the July 30 BPW Commission meeting. • City Clerk attended the July 22 Personnel Committee meeting.



TO: Mayor Klynstra and City Councilmembers

FROM: Doug Engelsman, CWP Superintendent

SUBJECT: Repair of #2 Turbo Blower

DATE: July 30, 2019 CC: August 5, 2019 Council Agenda

BACKGROUND – Saturday, July 27 the Zeeland CWP experienced a power surge that lead to significant damage to one of our major pieces of equipment. Typically, a power surge last long enough that our backup generators will start at which point everything has set run times slowly switching back to normal power. This particular event happened so quickly that the generators were not called to operate. As numerous large pieces of equipment were re-energizing, it caused a large amount of power to be pulled into the plant causing an explosion in Turbo blower #2 damaging the invertor. The CWP has three (3) Turbo blowers, often using two (2) as heavy loading demands more air usage and one (1) for redundancy. The CWP is operating normally, but now has lost the redundancy. Thus, the need to expedite the repair of the now damaged Turbo blower #2.

This work is scheduled to be completed in the next 3-4 weeks, hopefully sooner as Aerizon understands the importance of the particular piece of equipment. Attached is the quote not to exceed $ 11,801.00 with the cost coming from this current 2019-2020 CWP budget, equipment maintenance fund. A full report as to what actions are currently being done in an attempt to prevent future occurrences such as this from reoccurring will follow.

Recommendation: Staff requests that City Council approves the repair of #2 Turbo blower not to exceed $11,801 per the attached quote and that the funding come from the Zeeland Clean Water Plant 2019-2020 CWP budget, equipment maintenance fund.

Doug Engelsman Timothy R. Klunder Clean Water Plant Superintendent City Manager

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Aerzen USA CorporationZeeland Clean Water Plant 108 Independence WayAtt.: Dan Wagner Coatesville, PA 19320-1653350 E. Rich Street USAZEELAND, MI 49464

[email protected]: 610-380-0244

Quotation

Quote no. SEQ-19-002712/ 0 Page 1 / 2Date: 07/29/19Quote Expiration date: 10/29/19Salesperson: DCHandled by: John McEntee

Payment Terms: Net 30 days

Your account no.: 21-05338Phone number: +16166102795Fax No.: +16167725352E-Mail: [email protected]

PLEASE NOTE - FOR PAYMENTS MADE AFTER MAY 15, 2019:NEW REMITTANCE/BANK INFO FOR USD PAYMENT. SEE FOOTER.

Serial No. 3-M-12080639 Service Items SEI-014288 Item No.: 21-TB075-08S, Package, Turbo Blower (TB075), Pressure: 800 mbar (Single Impeller)Pos. Item No. Quantity Unit of M. Unit Price Line Amount

Description USD USD21-005359 1 each 0.00 0.00AT100K1 041-020620US 1 each 6,201.00 6,201.00Inverter Assy

Onsite ServicePos. Item No. Quantity Unit of M. Unit Price Line Amount

Description USD USD21-OS-2D-ZN2 1 each 5,600.00 5,600.00On-Site Service Includes 2 day of on-site service and expenses

Total USD Excl. TAX 11,801.00

Remittance emailSWIFTAccount NoRoutingBank

USD Payments - ACH/Wire

[email protected]

JP Morgan ChasePO Box 21920New York, NY 10087-1920USA

Aerzen USA CorpUSD Payments - Lockbox

[email protected]

Commerzbank AGEUR Payments - Wire

Quote no. SEQ-19-002712/ 0 Page 2 / 2

Tax Amount 0.00Total USD Incl. TAX 11,801.00

To pay by credit card, please contact Accounts Receivable (610) 380-0244

Best regards,

John McEnteeAerzen USA Corporation

Remittance emailSWIFTAccount NoRoutingBank

USD Payments - ACH/Wire

[email protected]

JP Morgan ChasePO Box 21920New York, NY 10087-1920USA

Aerzen USA CorpUSD Payments - Lockbox

[email protected]

Commerzbank AGEUR Payments - Wire

21 South Elm Street • Zeeland, Michigan 49464 • (616) 772-0872 • (616) 772-0880

MEMORANDUM

DATE: Friday, August 2, 2019 TO: Tim Klunder, City Manager FROM: Tim Maday, Community Development Director RE: Assessing public record inspection and Property Transfer Affidavit fee waiver policies Background: In 2020 the City’s assessing practices will again be audited by the State of Michigan as part of their Audit of Minimum Assessing Requirements (AMAR) program. While Community Development Department staff is confident that our assessing practices and assessing records are substantially compliant with Michigan Department of Treasury/State Tax Commission requirements, we are aware that the City is required to have the following two policies in place, that we do not currently have:

1. A public records inspection policy – The State of Michigan requires that assessment rolls and assessment record cards be available during customary business hours, and also requires that each local unit of government has a policy that dictates how these records can be requested, and how the documents will be provided. This is a separate policy from the City’s Freedom of Information Act Policy. While the City has full time assessing staff that can typically provide requested assessing related documents when they are requested between 8:00am and 5:00pm, Monday through Friday, a policy adopted by the local governing body must be in place for the City to be found compliant in this requirement when being audited. The enclosed resolution will satisfy State requirements for this item.

2. A Property Transfer Affidavit policy – Property Transfer Affidavits document the change in ownership for a

property, and are required to be submitted to the local assessor within 45 days of a transfer of ownership. While State Law allows for local units of government to charge penalties for the late filing of Property Transfer Affidavits, local units may opt not to charge these fees. The City of Zeeland is not currently, and has not previously charged these fees. If a local unit elects not to charge these fees, they are required to formalize their decision by adopting a resolution to waive these penalties. Adopting the enclosed resolution will formalize the City’s existing procedure of not charging fees for the late filing of Property Transfer Affidavits, and will bring the City into compliance with this requirement ahead of the 2020 audit of our assessing practices.

Recommendations: 1. Adopt the public records inspection policy resolution as presented.

2. Adopt the resolution authorizing the waiver of penalties for the failure to timely file a Property Transfer Affidavit as presented.

Please do not hesitate to contact me with any questions about this memo, the enclosed resolutions, or the upcoming Audit of Minimum Assessing Requirements. __________________________________________ Timothy Maday, Community Development Director


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TO: Mayor Klynstra and City Councilmembers FROM: Tim Klunder, City Manager SUBJECT: SARB Parking Lots Maintenance Special Assessment District Resolution #1 DATE: July 31, 2019 CC: August 5th Council Agenda

BACKGROUND: For the past five years the city assessed benefitting downtown property owners for maintenance such as the sprinkling system, snow removal and landscaping through the downtown maintenance contract. The final payment on that assessment occurred on the Winter 2018 tax bill and we are looking to renew that special assessment on the Winter 2019 tax bill (or closely thereafter) for another five-year period. To consider this special assessment renewal, City Council must first authorize the City Superintendent (City Manager) to make a report of these improvements to present to City Council. As you will see in the attached resolution, the report includes necessary plans, cost, a description of the assessment district, what portion of cost must be borne by the Special Assessment District, and other pertinent information requested by City Council to make a decision. The adoption of Resolution #1 is not a commitment to do a project, but rather approves the investigation of a possible project. Generally speaking, city staff plans to put together a special assessment report that is very similar to past special assessment districts with the scope of work also being very similar. However, a few of the contemplated changes at this time include incorporating Elm and Church between Cherry and Washington into the areas to be covered by the maintenance. Additionally, we are contemplating the idea of a recommendation to include non-profits into the special assessments. Those have been excluded in the past. As we have recently found with other community special assessment districts, not only do they incorporate them into the special assessment district, but they actually assess them at a higher rate due to the fact that they do not pay taxes. That determination does not have to be made yet. But we do want to be transparent in what Resolution #1 will allow us to investigate.

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RECOMMENDATION: Staff recommends that City Council approve the attached SARB Parking Lots Maintenance Special Assessment District Resolution #1.

Timothy R. Klunder, City Manager


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TO: Mayor Klynstra, City Council Members

FROM: Kevin Plockmeyer, ACM/Finance Director

SUBJECT: Banking Resolution – Macatawa Bank

DATE: July 25, 2019

CC: August 5, 2019 City Council Action Items

In order to transition to our day-to-day banking operations to Macatawa Bank, the first item that must be accomplished is the establishment of new checking accounts. Following this cover page is a new banking resolution for three new checking accounts that will be setup at Macatawa Bank for operating purposes and updated signature cards for two money market accounts we currently have with Macatawa Bank. As with all banking accounts, the authorized signatories on the banking resolution will be as follows:

• Mayor Kevin Klynstra • Mayor Pro Tem Sally Gruppen • City Manager Timothy Klunder • Treasurer Kevin Plockmeyer

• Accountant Nancy Wolters • City Clerk Pamela Holmes • Deputy City Clerk Cindy Humphrey

Recommended Motion: Approve the Authorizing Resolution and Account Agreements with Macatawa Bank.

________________________ Kevin Plockmeyer, ACM/Finance Director

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Account Description:

Signature Card-MIBankers SystemsWolters Kluwer Financial Services

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Number:

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Backup Withholding Certifications

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Signature(s). The undersigned certifies the accuracy of the information he/she hasprovided and acknow ledges receipt of a completed copy of this form. The undersignedauthorizes the financial institution to verify credit and employment history and/or havea credit reporting agency prepare a credit report on the undersigned, as individuals.The undersigned also acknow ledge the receipt of a copy and agree to the terms of thefollow ing agreement(s) and/or disclosure(s):

I.D. #

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(1):

(2):

(3):

(4):

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The Internal Revenue Service does not require your consent to anyprovision of this document other than the certifications required toavoid backup withholding.

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w ithholding either because I have not been not if ied that I am subject to backupw ithholding as a result of a failure to report all interest or dividends, or the InternalRevenue Service has not if ied me that I am no longer subject to backup w ithholding.

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ACCOUNT AGREEMENT

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(Name and Address of Beneficiaries):

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MACATAWA BANK

10753 MACATAWA DRIVE

HOLLAND MI 49424

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Date: 01/08/2019 294740

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BUSINESS ENTITY

RESOLUTION

REV 09/01/2017

Resp

Inst:

2

BUSINESS INFORMATION

Business Entity Name:

TIN:

AGENTS

RESOLUTION DETAILS

Applies to:

AUTHORIZATION

Secretary/Owner/Partner/Member:Date

Business Type:

Business Address:

All Accounts

Specified Accounts as listed here:

Any Agent listed below is authorized on behalf of the Business Entity, acting alone, to (i) exercise all powers listed in this resolution; (ii) open any

deposit account(s) in the name of the Business Entity; (iii) endorse checks and orders for the payment of money or otherwise withdraw or transfer

funds on deposit; (iv) enter into a written rental agreement for all the purpose of renting, maintaining, appointing deputies, accessing and terminating

a Safe Deposit Box with this Bank; (v) may authorize the use and access to accounts and services and the issuance of any access device; (vi) enter

into all other contracts and agreements on behalf of Business Entity.

Name

A:

B:

C:

D:

E:

Signature

Page 1 of 3

Business Resolution

MEMBER FDIC

EFFECT ON PREVIOUS RESOLUTIONS: This executed and dated resoltuion supersedes any prior resolution on file.

The undersigned certifies that he/she is the Secretary/Owner/Partner/Member of the Business Entity. The undersigned adopts this Resolution,including page 2. The undersigned agrees to notify Macatawa Bank promptly in writing should any change of ownership occur, should otherperson(s) become interested in said business entity as partner(s), should the business become incorporated or should the relationship of theundersigned be altered in any manner.

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41

BUSINESS ENTITY

RESOLUTION

REV 09/01/2017

Resp

Inst:

2

BUSINESS INFORMATION

Business Entity Name:

TIN:

AGENTS

RESOLUTION DETAILS

Applies to:

AUTHORIZATION

Secretary/Owner/Partner/Member:Date

Business Type:

Business Address:

All Accounts

Specified Accounts as listed here:

Any Agent listed below is authorized on behalf of the Business Entity, acting alone, to (i) exercise all powers listed in this resolution; (ii) open any

deposit account(s) in the name of the Business Entity; (iii) endorse checks and orders for the payment of money or otherwise withdraw or transfer

funds on deposit; (iv) enter into a written rental agreement for all the purpose of renting, maintaining, appointing deputies, accessing and terminating

a Safe Deposit Box with this Bank; (v) may authorize the use and access to accounts and services and the issuance of any access device; (vi) enter

into all other contracts and agreements on behalf of Business Entity.

Name

A:

B:

C:

D:

E:

Signature

Page 2 of 3

Business Resolution

MEMBER FDIC

EFFECT ON PREVIOUS RESOLUTIONS: This executed and dated resoltuion supersedes any prior resolution on file.

The undersigned certifies that he/she is the Secretary/Owner/Partner/Member of the Business Entity. The undersigned adopts this Resolution,including page 2. The undersigned agrees to notify Macatawa Bank promptly in writing should any change of ownership occur, should otherperson(s) become interested in said business entity as partner(s), should the business become incorporated or should the relationship of theundersigned be altered in any manner.

X

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REV 09/01/2017

Resp

Inst:

Page 3 of 3

Business Resolution

MEMBER FDIC

The Business Entity named on this Macatawa Bank ("Bank") Business Entity Resolution ("Resolution") resolves the following:

1) The Bank is designated as a depository for the funds of the Business Entity and to provide other financial services as indicated inthis resolution.

This Resolution shall continue to have effect until written notice of its rescission or modification has been received and recordedby Bank. Any revocation, modification or replacement of a Resolution must be accompanied by documentation, satisfactory to theBank, establishing the authority for the changes. This Resolution supersedes any prior resolution on file. Previous resolutionsshall be considered revocated and no longer in effect.

2)

The Bank shall be indemnified by the Business Entity and shall be held harmless from any and all losses or liabilities incurred bysuch rescission or modification. This Resolution shall be governed and interpreted under laws of the State of Michigan. TheBusiness Entity is solely responsible for any changes to the Agents and Bank shall have no liability whatsoever for any transactionundertaken by a person listed as an authorized Agent.

3)

The signature of an Agent on this Resolution is conclusive evidence of their authority to act on behalf of the Business Entity. AnyAgent, so long as they act in representative capacity as an Agent of the Business Entity, is authorized to make any and all othercontracts, agreements, and stipulations and orders which they may deem advisable for the effective exercise of the powersindicated on page one, from time to time with the Bank.

4)

5) All transactions, if any, with respect to any deposits, withdrawals, rediscounts, and borrowings by on behalf of the Business Entitywith the Bank prior to the adoption of this Resolution are hereby ratified, approved, and confirmed.

6) The Business Entity agrees to the terms and conditions of any account agreement, properly opened by any Agent of the BusinessEntity. The Business Entity authorizes the Bank, at any time, to charge the Business Entity for all checks, drafts, or other orders,for the payment of money, that are drawn on the Bank.

7) The Business Entity acknowledges and agrees that the Bank may furnish at its discretion automated access devices to Agent(s)of the Business Entity to facilitate those powers authorized by this Resolution or other Resolutions in effect at the time of issuance.The term "automated access device" includes, but is not limited to, credit cards, automated teller machines (ATM), and ATM/debitcards.

The Business Entity acknowledges and agrees that the Bank may rely on alternative signature and verification codes issued to orobtained from the Agent named on this Resolution. The term "alternative signature and verification codes" includes, but is notlimited to, facsimile signatures on file with the Bank, personal identification numbers (PIN), and digital signatures. If a facsimilesignature specimen has been provided on this Resolution, (or that are filed separately by the Business Entity with the Bank fromtime to time) the Bank is authorized to treat the facsimile signature as the signature of the Agent(s) regardless of by whom or bywhat means the facsimile signature may have been affixed so long as it resembles the facsimile signature specimen on file.

8)

9) The Business Entity authorizes each Agent to have custody of the Business Entity's private key used to create a digital signatureand to request issuance of a certificate listing the corresponding public key. The Bank shall have no responsibility or liability forunauthorized use of alternative signature and verification codes unless otherwise agreed in writing.

10) In the case of a For Benefit Of ("FBO") account, as indicated in the Business Entity Name, the Agents section on page one isamended, all other authorizations on Resolution remain. Any Agent listed is authorized on behalf of the Business Entity, actingalone, to (i) open any deposit account(s) in the name of the Business Entity, (ii) endorse checks and orders for the payment ofmoney or otherwise withdraw or transfer funds on deposit.

MACATAWA BANK

TERMS AND CONDITIONS

Page 1 of 13

Macatawa Bank Terms and Conditions

MEMBER FDIC

TSCS REV 02/05/2018

(1) Important Information about Procedures for Opening a New Account

(2) Credit Verification

(3) Agreement

(4) Temporary Account Agreement

(5) Liability

(6) Ownership of Account and Beneficiary Designation

(7) Authorized Signer (Individual Accounts Only)

(8) Fiduciary Accounts

(9) Business, Organization, and Association Accounts

(10) Death or Incompetence

(11) Posting Order

(12) Deposits

(13) Direct Deposits

(14) Promotional Bonus

(15) Refer A Friend Bonus

(16) Withdrawals

(17) Early Withdrawal Penalties (and Involuntary Withdrawals)

(18) Telephone Transfers

(19) Interest on Checking and Savings Accounts

(20) Effect of Closing an Account

(21) Special Disclosure for Transaction Accounts

(22) Setoff

(23) Check Processing

(24) Check Cashing

(25) Truncation, Substitute Checks, and Other Check Images

(26) Remotely Created Checks

(27) Endorsements

(28) Restrictive Legends or Endorsements

(29) Facsimile Signatures

(30) Telephonic Instructions

(31) Monitoring and Recording Telephone Calls and Consent to Receive Communications

(32) Stop Payments

(33) ACH and Wire Transfers

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CONTENTS

(34) Unlawful Internet Gambling Notice

(35) Personal Information Changes

(36) Account Transfer

(37) Dormant Accounts

(38) Escheatment

(39) Notices

(40) Waiver of Notices

(41) Statements

(42) Your Duty to Report Unauthorized Signatures, Alterations, and Forgeries

(43) Resolving Account Disputes

(44) Fraud Detection/Deterrence and Safeguarding Your Account

(45) Claim of Loss

(46) Legal Actions Affecting Your Account

(47) Amendments and Termination

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(1) Important Information about Procedures for Opening a New Account.

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and

record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to

identify you. We may also ask to see your driver's license or other identifying documents. If we are unable to obtain information from you that is

necessary to verify and record information that identifies each person or entity within 60 days of opening the account, the account may be closed.

(2) Credit Verification.

You agree that we may verify credit and employment history by any necessary means, including preparation of a credit report by a credit reporting

agency.

(3) Agreement.

This document, along with any other documents we give you pertaining to your account(s), is a contract that establishes rules which control your

account(s) with us. Please read this carefully and retain it for future reference. If you sign the signature card or open or continue to use the account, you

agree to these rules. You will receive a separate schedule of rates, qualifying balances, and fees if they are not included in this document. If you have

any questions, please call us.

This agreement is subject to applicable federal laws, the laws of the state of Michigan and other applicable rules such as the operating letters of the

Federal Reserve Banks and payment processing system rules (except to the extent that this agreement can and does vary such rules or laws). The

body of state and federal law that governs our relationship with you, however, is too large and complex to be reproduced here. The purpose of this

document is to:

Summarize some laws that apply to common transactions;

Establish rules to cover transactions or events which the law does not regulate;

Establish rules for certain transactions or events which the law regulates but permits variation by agreement; and

Give you disclosures of some of our policies to which you may be entitled or in which you may be interested.

If any provision of this document is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect. We

may permit some variations from our standard agreement, but we must agree to any variation in writing either on the signature card for your account or

in some other document. Nothing in this document is intended to vary our duty to act in good faith and with ordinary care when required by law.

As used in this document the words "we," "our," and "us" mean the financial institution and the words "you" and "your" mean the account holder(s) and

anyone else with the authority to deposit, withdraw, or exercise control over the funds in the account. However, this agreement does not intend, and the

terms "you" and "your" should not be interpreted, to expand an individual's responsibility for an organization's liability. If this account is owned by a

corporation, partnership or other organization, individual liability is determined by the laws generally applicable to that type of organization. The

headings in this document are for convenience or reference only and will not govern the interpretation of the provisions. Unless it would be inconsistent

to do so, words and phrases used in this document should be construed so the singular includes the plural and the plural includes the singular.

(4) Temporary Account Agreement.

If the account documentation indicates that this is a temporary account agreement, each person who signs to open the account or has authority to make

withdrawals (except as indicated to the contrary) may transact business on this account. However, we may at some time in the future restrict or prohibit

further use of this account if you fail to comply with the requirements we have imposed within a reasonable time.

(5) Liability.

You agree, for yourself (and the person or entity you represent if you sign as a representative of another) to the terms of this account and the Schedule

of Service Charges and Fees. You authorize us to deduct these charges, without notice to you, directly from the account balance as accrued. You will

pay any additional reasonable charges for services you request which are not covered by this agreement.

Each of you also agrees to be jointly and severally (individually) liable for any account shortage resulting from charges or overdrafts, whether caused by

you or another with access to this account. This liability is due immediately, and can be deducted directly from the account balance whenever sufficient

funds are available. You have no right to defer payment of this liability, and you are liable regardless of whether you signed the item or benefited from

the charge or overdraft.

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You will be liable for our costs to collect the deficit as well as for our reasonable attorneys' fees, to the extent permitted by law, whether incurred as a

result of collection or in any other dispute involving your account. This includes, but is not limited to, disputes between you and another joint owner; you

and an authorized signer or similar party; or a third party claiming an interest in your account. This also includes any action that you or a third party

takes regarding the account that causes us, in good faith, to seek the advice of an attorney, whether or not we become involved in the dispute. All costs

and attorneys' fees can be deducted from your account when they are incurred, without notice to you.

(6) Ownership of Account and Beneficiary Designation.

These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records. We make

no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the

account funds

Individual Account. This is an account in the name of one person.

Joint Account - With Survivorship (And Not As Tenants In Common). This is an account in the name of two or more persons. Each of you intend

that when you die the balance in the account (subject to any previous pledge to which we have agreed) will belong to the survivor(s). If two or more of

you survive, you will own the balance in the account as joint tenants with survivorship and not as tenants in common.

Joint Account - No Survivorship (As Tenants In Common). This is owned by two or more persons, but none of you intend (merely by opening this

account) to create any right of survivorship in any other person. We encourage you to agree and tell us in writing of the percentage of the deposit

contributed by each of you. This information will not, however, affect the "number of signatures" necessary for withdrawal.

Revocable Trust Account. If two or more of you create such an account, you own the account jointly with survivorship. Beneficiaries cannot withdraw

unless:

All persons creating the account die, and

The beneficiary is then living.

If two or more beneficiaries are named and survive the death of all persons creating the account, such beneficiaries will own this account in equal

shares, without right of survivorship. The person(s) creating this account type reserve the right to:

Change beneficiaries,

Change account types, and

Withdraw all or part of the account funds at any time.

(7) Authorized Signer (Individual Accounts only).

A single individual is the owner. The authorized signer is merely designated to conduct transactions on the owner's behalf. The owner does not give up

any rights to act on the account, and the authorized signer may not in any manner affect the rights of the owner or beneficiaries, if any, other than by

withdrawing funds from the account. The owner is responsible for any transactions of the authorized signer. We undertake no obligation to monitor

transactions to determine that they are on the owner's behalf. The owner may terminate the authorization at any time, and the authorization is

automatically terminated by the death of the owner. However, we may continue to honor the transactions of the authorized signer until: (a) we have

received written notice or have actual knowledge of the termination of authority, and (b) we have a reasonable opportunity to act on that notice or

knowledge. We may refuse to accept the designation of an authorized signer.

(8) Fiduciary Accounts.

Accounts may be opened by a person acting in a fiduciary capacity. A fiduciary is someone who is appointed to act on behalf of and for the benefit of

another. We are not responsible for the actions of a fiduciary, including the misuse of funds. This account may be opened and maintained by a person

or persons named as a trustee under a written trust agreement, or as executors, administrators, or conservators under court orders. You understand

that by merely opening such an account, we are not acting in the capacity of a trustee in connection with the trust nor do we undertake any obligation to

monitor or enforce the terms of the trust or letters.

(9) Business, Organization, and Association Accounts.

Earnings in the form of interest, dividends, or credits will be paid only on collected funds, unless otherwise provided by law or our policy. You represent

that you have the authority to open and conduct business on this account on behalf of the entity. We may require the governing body of the entity

opening the account to give us a separate authorization telling us who is authorized to act on its behalf. We will honor the authorization until we actually

receive written notice of a change from the governing body of the entity.

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(10) Death or Incompetence.

You agree to notify us promptly if any person with a right to withdraw funds from your account(s) dies or is adjudicated (determined by the appropriate

official) incompetent. We may continue to honor your checks, items, and instructions until:

We know of your death or adjudication of incompetence, and

We have had a reasonable opportunity to act on that knowledge.

You agree that we may pay or certify checks drawn on or before the date of death or adjudication of incompetence for up to ten (10) days after your

death or adjudication of incompetence unless ordered to stop payment by someone claiming an interest in the account.

(11) Posting Order.

Macatawa Bank reserves the right to determine the order in which items will be paid and returned (if any). Generally, for each business day, we will first

post deposits and credits to your account received before the daily cutoff time, followed by various categories of payments, ATM withdrawals, online

banking transactions, debit card transactions, teller cash withdrawals, ACH transactions, checks you write in check number order (starting with the

lowest number), and transfers. If an item is presented without sufficient funds in your account to pay it, we may, at our discretion, pay the item (creating

an overdraft) or return the item (NSF). The amounts of the Overdraft and NSF fees are disclosed in our Schedule of Service Charges and Fees. We

encourage you to make careful records and practice good account management. This will help you to avoid creating items without sufficient funds and

incurring the resulting fees.

(12) Deposits.

We will give only provisional credit until collection is final for any items, other than cash, we accept for deposit (including items drawn "on us"). Before

settlement of any item becomes final, we act only as your agent, regardless of the form of endorsement or lack of endorsement on the item and even

though we provide you provisional credit for the item. We may reverse any provisional credit for items that are lost, stolen, or returned. Unless prohibited

by law, we also reserve the right to charge back to your account the amount of any item deposited to your account or cashed for you which was initially

paid by the payor bank and which is later returned to us due to an allegedly forged, unauthorized or missing endorsement, claim of alteration, encoding

error or other problem which in our judgment justifies reversal of credit. You authorize us to attempt to collect previously returned items without giving

you notice, and in attempting to collect we may permit the payor bank to hold an item beyond the midnight deadline. Actual credit for deposits of, or

payable in, foreign currency will be at the exchange rate in effect on final collection in U.S. dollars. We are not responsible for transactions by mail or

outside depository until we actually record them. We will treat and record all transactions received after our "daily cutoff time" on a business day we are

open, or received on a day we are not open for business, as if initiated on the next business day that we are open. At our option, we may take an item

for collection rather than for deposit. If we accept a third-party check for deposit, we may require any third-party endorsers to verify or guarantee their

endorsements, or endorse in our presence.

(13) Direct Deposits.

If we are required for any reason to reimburse the federal government for all or any portion of a benefit payment that was directly deposited into your

account, you authorize us to deduct the amount of our liability to the federal government from the account or from any other account you have with us,

without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liability.

(14) Promotional Bonus.

You may have been provided a promotional bonus when opening this account. Your eligibility for this bonus is dependent on your account being in good

standing. The value of the bonus may be included as interest on your year-end Annual Statement of Earnings.

(15) Refer A Friend Bonus.

Refer A Friend offer cannot be combined with any other offer. Bonus payments will only be paid to accounts that are in good standing with the bank. We

may change or discontinue this offer at any time, see us for complete details and availability. By participating in the Refer a friend program you

acknowledge that whomever you refer or whoever referred you may have a conclusion that you have an account with us. Value of bonus will be added

as interest on your year-end statement of earnings and may be subject to IRS tax reporting.

Referrer: Must have a Macatawa Bank checking account to participate and receive the Refer bonus. Individuals can earn up to $590 per year for

referrals. Refer bonus payment will be deposited within 90 days of your referral opening their qualified account (Rebound Checking is not eligible). We

reserve the right to disqualify any referrals where we reasonably believe they were not sent to us in good faith.

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Referee: Must present code or coupon at time of opening. Offer valid on new personal or business checking accounts (Rebound Checking is not eligible

for bonus). Account openings are subject to normal approvals and regular account minimum opening balance requirement must be met at time of

account opening. To be eligible for bonus payment, account must be opened with funds not currently on deposit with Macatawa Bank and account

holder must not have been a signer on a checking account with Macatawa Bank during the past 90 days. Bonus payment will be deposited within the

first 90 days of account opening, additional bonus may be available if specific criteria is met and will be credited to the account after the 3rd statement

cycle. Limit one offer per household/business.

(16) Withdrawals.

Generally. Unless clearly indicated otherwise on the account records, any of you, acting alone, who signs to open the account or has authority to make

withdrawals may withdraw or transfer all or any part of the account balance at any time. Each of you (until we receive written notice to the contrary)

authorizes each other person who signs or has authority to make withdrawals to endorse any item payable to you or your order for deposit to this

account or any other transaction with us.

Postdated Checks. A postdated check is one which bears a date later than the date on which the check is written. We may properly pay and charge

your account for a postdated check even though payment was made before the date of the check, unless we have received written notice of the

postdating in time to have a reasonable opportunity to act. Because we process checks mechanically, your notice will not be effective and we will not be

liable for failing to honor your notice unless it precisely identifies the number, date, amount and payee of the item.

Checks and Withdrawal Rules. If you do not purchase your check blanks from us, you must be certain that we approve the check blanks you

purchase. We may refuse any withdrawal or transfer request which you attempt on forms not approved by us or by any method we do not specifically

permit. We may refuse any withdrawal or transfer request, which is greater in number than the frequency permitted, or which is for an amount greater or

less than any withdrawal limitations. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the

frequency limitations. In addition, we may place limitations on the account until your identity is verified.

Even if we honor a nonconforming request, we are not required to do so later. If you violate the stated transaction limitations (if any), in our discretion

we may close your account or reclassify it as a transaction account. If we reclassify your account, your account will be subject to the fees and earnings

rules of the new account classification.

If we are presented with an item drawn against your account that would be a "substitute check," as defined by law, but for an error or defect in the item

introduced in the substitute check creation process, you agree that we may pay such item.

See the Funds Availability Policy disclosure for information about when you can withdraw funds you deposit. For those accounts to which our funds

availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. An item may be

returned after the funds from the deposit of that item are made available for withdrawal. In that case, we will reverse the credit of the item. We may

determine the amount of available funds in your account for the purpose of deciding whether to return an item for insufficient funds at any time between

the time we receive the item and when we return the item or send a notice in lieu of return. We need only make one determination, but if we choose to

make a subsequent determination, the account balance at the subsequent time will determine whether there are insufficient available funds.

A Temporary Debit Authorization Hold Affects Your Account Balance. On debit card purchases, merchants may request a temporary hold on your

account for a specified sum of money, which may be more than the actual amount of your purchase. When this happens, our processing system cannot

determine that the amount of the hold exceeds the actual amount of your purchase. This temporary hold, and the amount charged to your account, will

eventually be adjusted to the actual amount of your purchase, but it may be up to three days before the adjustment is made. Until the adjustment is

made, the amount of funds in your account available for other transactions will be reduced by the amount of the temporary hold. If another transaction is

presented for payment in an amount greater than the funds left after the deduction of the temporary hold amount, that transaction may be declined.

Here is an example of how this can occur - assume for this example you have opted out of our overdraft services for the payment of overdrafts on ATM

and everyday debit card transactions.

You have $120 in your account. You swipe your card at the card reader on a gasoline pump. Since it is unclear what the final bill will be, the gas

station's processing system immediately requests a hold on your account in a specified amount, for example, $80. Our processing system authorizes a

temporary hold on your account in the amount of $80, and the gas station's processing system authorizes you to begin pumping gas. You fill your tank

and the amount of gasoline you purchased is only $50. Our processing system shows that you have only $40 in your account available for other

transactions ($120 - $80 = $40) due to the temporary hold on your account. If you then attempt to use your debit card at the grocery store to buy $60.00

in groceries, your card may be declined due to the gas station's processing system's hold on the funds in your account.

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Overdrafts. You understand that we may, at our discretion, honor withdrawal requests that overdraw your account. However, the fact that we may

honor withdrawal requests that overdraw the account balance does not obligate us to do so later. So you can NOT rely on us to pay overdrafts on your

account regardless of how frequently or under what circumstances we have paid overdrafts on your account in the past. We can change our practice of

paying overdrafts on your account without notice to you. You can ask us if we have other account services that might be available to you where we

commit to paying overdrafts under certain circumstances, such as an overdraft protection line-of-credit or a plan to sweep funds from another account

you have with us. You agree that we may charge fees for overdrafts. For consumer accounts, we will not charge fees for overdrafts caused by ATM

withdrawals or one-time debit card transactions if you have not opted-in to that service. We may use subsequent deposits, including direct deposits of

social security or other government benefits, to cover such overdrafts and overdraft fees.

Multiple Signatures, Electronic Check Conversion, and Similar Transactions. An electronic check conversion transaction is a transaction where a

check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation. In these types of transactions

the check or similar item is either removed from circulation (truncated) or given back to you. As a result, we have no opportunity to review the check to

examine the signatures on the item. You agree that, as to these or any items as to which we have no opportunity to examine the signatures, you waive

any requirement of multiple signatures.

Notice of Withdrawal. We reserve the right to require not less than 7 days' notice in writing before each withdrawal from an interest-bearing account

other than a time deposit or demand deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to

maturity or prior to any notice period may be restricted and may be subject to penalty. See your CD Disclosure for penalty for early withdrawals.

(17) Early Withdrawal Penalties (and involuntary withdrawals).

We may impose early withdrawal penalties on a withdrawal from a time account even if you don't initiate the withdrawal. For instance, the early

withdrawal penalty may be imposed if the withdrawal is caused by our setoff against funds in the account or as a result of an attachment or other legal

process. We may close your account and impose the early withdrawal penalty on the entire account balance in the event of a partial early withdrawal.

See your CD Disclosure for penalty for early withdrawals.

(18) Telephone Transfers.

A telephone transfer of funds from this account to another account with us, if otherwise arranged for or permitted, may be made by the same persons

and under the same conditions generally applicable to withdrawals made in writing. Unless a different limitation is disclosed in writing, we restrict the

number of transfers from a savings account or money market to another account or to third parties, to a maximum of six per month (less the number of

"preauthorized transfers" during the month). Other account transfer restrictions may be described elsewhere.

(19) Interest on Checking and Savings Accounts.

When you open a checking or savings account that pays interest, we will provide you a rate sheet stating the current interest rate and Annual

Percentage Yield (APY) for your account. The rate sheet is considered part of this agreement.

Interest rates and annual percentage yields for your account depend upon the applicable rate tier. Interest rates and annual percentage yields are

subject to change daily at the Bank's discretion. Interest begins to accrue on the business day we receive credit for your deposit. For cash and

electronic transfers, interest begins to accrue on the business day of your deposit.

Unless otherwise stated in the product disclosures, we use the daily balance method for calculating interest. This method applies a daily periodic rate to

the balance in your account each day, which may be based on collected or ledger balances as set forth in the product information for your account. The

collected balance is the balance of all deposits in your account on which we have received credit for the deposited funds (determined by the availability

schedule of our Federal Reserve Bank for non-cash items). The ledger balance is the balance in your account without regard to credit or availability. We

reserve the right not to pay interest on any deposited item that is returned to us unpaid.

Unless otherwise stated in the product disclosures, interest on checking account is credited and compounded monthly. Interest on savings account is

credited and compounded quarterly. In addition, interest is computed on a 365 days basis unless otherwise stated.

(20) Effect of Closing an Account.

Either you or we may close your account (other than a CD) at any time for any reason or no reason. Either you or we may close your CD account on

any maturity date without cause. We are not required to close your account upon your request if you have pending transactions or the account if

overdrawn. In those cases, if you ask us to do so, we will restrict your account against all future withdrawals until pending transactions are paid or

returned and the account balance is no longer negative. After we restrict your account in preparation for closing, we will not pay any additional interest

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on the account. We may automatically close your account if the account balance remains as $0 for 45 days (9 months for Health Savings Accounts) or

is negative. Your account may be considered closed as of the date of the zero balance.

We may send you written notice that we have closed or will close your account and return the account balance less any fees, claims, setoffs, or other

amounts.

If the account is closed before interest is credited, you will forfeit the accrued interest.

After your account is closed, we have no obligation to accept deposits or pay any outstanding checks. We will have no liability of refusing to honor any

check drawn on a closed account. We have the right to advise the consumer reporting agencies and other third party reporting agencies of account

closed for misuse, such as kiting or overdrafts.

(21) Special Disclosure for Transaction Accounts.

We may make a change in your checking account that will not affect your available balance, interest earning, FDIC Insurance protection, or your bank

statement. For accounting purposes, all checking accounts consist of a checking sub-account and a savings sub-account. For regulatory reporting

purposes only, we may periodically transfer funds between these two sub-accounts. Upon a sixth transfer during a calendar month, any funds in the

savings sub-account will be transferred back to the checking sub-account. If your account is a plan on which interest is paid, your interest calculation

will remain the same. Otherwise the savings sub-account will be noninterest-bearing. The savings sub-account will be governed by the rules governing

our other savings accounts.

(22) Setoff.

We may (without prior notice and when permitted by law) set off the funds in this account against any due and payable debt any of you owe us now or in

the future. If this account is owned by one or more of you as individuals, we may set off any funds in the account against a due and payable debt a

partnership owes us now or in the future, to the extent of your liability as a partner for the partnership debt. If your debt arises from a promissory note,

then the amount of the due and payable debt will be the full amount we have demanded, as entitled under the terms of the note, and this amount may

include any portion of the balance for which we have properly accelerated the due date.

This right of setoff does not apply to this account if prohibited by law. For example, the right of setoff does not apply to this account if:

It is an Individual Retirement Account or similar tax-deferred account, or

The debt is created by a consumer credit transaction under a credit card plan (but this does not affect our rights under any consensual security

interest), or

The debtor' s right of withdrawal only arises in a representative capacity, or

Setoff is prohibited by the Military Lending Act or its implementing regulations.

We will not be liable for the dishonor of any check when the dishonor occurs because we set off a debt against this account. You agree to hold us

harmless from any claim arising as a result of our exercise of our right of setoff will not be liable for the dishonor of any check when the dishonor occurs

because we set off a debt against this account. You agree to hold us harmless from any claim arising as a result of our exercise of our right of setoff.

(23) Check Processing.

We process items mechanically by relying solely on the information encoded in magnetic ink along the bottom of the items. This means that we do not

individually examine all of your items to determine if the item is properly completed, signed and endorsed or to determine if it contains any information

other than what is encoded in magnetic ink. You agree that we have exercised ordinary care if our automated processing is consistent with general

banking practice, even though we do not inspect each item. Because we do not inspect each item, if you write a check to multiple payees, we can

properly pay the check regardless of the number of endorsements unless you notify us in writing that the check requires multiple endorsements. We

must receive the notice in time for us to have a reasonable opportunity to act on it, and you must tell us the precise date of the check, amount, check

number and payee. We are not responsible for any unauthorized signature or alteration that would not be identified by a reasonable inspection of the

item. Using an automated process helps us keep costs down for you and all account holders.

(24) Check Cashing.

We may charge a fee for anyone that does not have an account with us who is cashing a check, draft or other instrument written on your account. We

may also require reasonable identification to cash such a check, draft or other instrument. We can decide what identification is reasonable under the

circumstances and such identification may be documentary or physical and may include collecting a thumbprint or fingerprint.


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(25) Truncation, Substitute Checks, and Other Check Images.

If you truncate an original check and create a substitute check, or other paper or electronic image of the original check, you warrant that no one will be

asked to make payment on the original check, a substitute check or any other electronic or paper image, if the payment obligation relating to the original

check has already been paid. You also warrant that any substitute check you create conforms to the legal requirements and generally accepted

specifications for substitute checks. You agree to retain the original check in conformance with our internal policy for retaining original checks. You

agree to indemnify us for any loss we may incur as a result of any truncated check transaction you initiate. We can refuse to accept substitute checks

that have not previously been warranted by a bank or other financial institution in conformance with the Check 21 Act. Unless specifically stated in a

separate agreement between you and us, we do not have to accept any other electronic or paper image of an original check.

(26) Remotely Created Checks.

Like any standard check or draft, a remotely created check (sometimes called a telecheck, preauthorized draft or demand draft) is a check or draft that

can be used to withdraw money from an account. Unlike a typical check or draft, however, a remotely created check is not issued by the paying bank

and does not contain the signature of the account owner (or a signature purported to be the signature of the account owner). In place of a signature, the

check usually has a statement that the owner authorized the check or has the owner's name typed or printed on the signature line.

For example, if a person provides an account number in response to a telephone solicitation, the telephone solicitor can use the account number to

issue a remotely created check to withdraw money from that account.

You warrant and agree to the following for every remotely created check we receive from you for deposit or collection:

You have received express and verifiable authorization to create the check in the amount and to the payee that appears on the check;

You will maintain proof of the authorization for at least 2 years from the date of the authorization, and supply us the proof if we ask; and

If a check is returned you owe us the amount of the check, regardless of when the check is returned. We may take funds from your account to pay

the amount you owe us, and if there are insufficient funds in your account, you still owe us the remaining balance.

(27) Endorsements.

All items presented for deposit should be properly endorsed. The law allows the Bank to supply a missing endorsement to a deposited check, draft, or

any other deposit instrument. However, we reserve the right to refuse to cash or accept for deposit any item at our sole discretion that does not bear a

proper endorsement, or that is payable to someone other than you.

(28) Restrictive Legends or Endorsements.

The automated processing of the large volume of checks we receive prevents us from inspecting or looking for restrictive legends, restrictive

endorsements or other special instructions on every check. Examples of restrictive legends placed on checks are "must be presented within 90 days" or

"not valid for more than $1,000.00." The payee's signature accompanied by the words "for deposit only" is an example of a restrictive endorsement. For

this reason, we are not required to honor any restrictive legend or endorsement or other special instruction placed on checks you write unless we have

agreed in writing to the restriction or instruction. Unless we have agreed in writing, we are not responsible for any losses, claims, damages, or expenses

that result from your placement of these restrictions or instructions on your checks.

(29) Facsimile Signatures.

Unless you make advance arrangements with us, we have no obligation to honor facsimile signatures on your checks or other orders. If we do agree to

honor items containing facsimile signatures, you authorize us, at any time, to charge you for all checks, drafts, or other orders, for the payment of

money, that are drawn on us. You give us this authority regardless of by whom or by what means the facsimile signature(s) may have been affixed so

long as they resemble the facsimile signature specimen filed with us, and contain the required number of signatures for this purpose. You must notify us

at once if you suspect that your facsimile signature is being or has been misused.

(30) Telephonic Instructions.

Unless required by law or we have agreed otherwise in writing, we are not required to act upon instructions you give us via facsimile transmission or

leave by voice mail or on a telephone answering machine.

(31) Monitoring and Recording Telephone Calls and Consent to Receive Communications.

To provide you with the best possible service for your account we may need to contact you about your account from time-to-time by telephone, text

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messaging or email. We may monitor or record phone calls for security reasons, to maintain a record and to ensure that you receive courteous and

efficient service. We will obtain consent in advance, as applicable, and in accordance with the consumer protection provisions in the federal Telephone

Consumer Protection Act of 1991 (TCPA), CAN-SPAM Act and their related federal regulations and orders issued by the Federal Communications

Commission (FCC).

With the above understandings, you authorize us to contact you regarding this account throughout its existence using any telephone numbers or email

addresses that you have previously provided to us or that you may subsequently provide to us. This consent is regardless of whether the number we

use to contact you is assigned to a landline, a paging service, a cellular wireless service, a specialized mobile radio service, other radio common carrier

service or any other service for which you may be charged for the call.

If is your responsibility to change or remove any of the telephone numbers or email addresses at any time using any reasonable means to notify us.

(32) Stop Payments.

Unless otherwise provided, the rules in this section cover stopping payment of items such as checks and drafts. Rules for stopping payment of other

types of transfers of funds, such as consumer electronic fund transfers, may be established by law or our policy. If we have not disclosed these rules to

you elsewhere, you may ask us about those rules.

We may accept an order to stop payment on any item from any one of you. You must make any stop-payment order in the manner required by law and

we must receive it in time to give us a reasonable opportunity to act on it before our stop-payment cutoff time. Because stop-payment orders are

handled by computers, to be effective, your stop-payment order must precisely identify the number, date, amount of the item, and the payee.

You may stop payment on any item drawn on your account whether you sign the item or not. Your stop payment order is effective for six months if it is

given to us in writing or by another type of record (Generally, a "record" is information that is stored in such a way that it can be retrieved and can be

heard or read and understood - you can ask us what type of stop payment records you can give us). Your order will lapse after that time if you do not

renew the order in writing before the end of the six-month period. If the original stop-payment order was oral your stop-payment order will lapse after 14

calendar days if it is not confirmed in writing or by another type of record within that time period. We are not obligated to notify you when a stop-payment

order expires. If you wish to release a stop-payment request, you may contact your local branch or the Customer Experience Team at (877) 820-2265.

If you stop payment on an item and we incur any damages or expenses because of the stop payment, you agree to indemnify us for those damages or

expenses, including attorneys' fees. You assign to us all rights against the payee or any other holder of the item. You agree to cooperate with us in any

legal actions that we may take against such persons. You should be aware that anyone holding the item may be entitled to enforce payment against you

despite the stop-payment order.

Our stop-payment cutoff time is one hour after the opening of the next banking day after the banking day on which we receive the item. Additional

limitations on our obligation to stop payment are provided by law (e.g., we paid the item in cash or we certified the item).

(33) ACH and Wire Transfers.

This agreement is subject to Article 4A of the Uniform Commercial Code - Fund Transfers as adopted in the state in which you have your account with

us. If you originate a fund transfer and you identify by name and number a beneficiary financial institution, an intermediary financial institution or a

beneficiary, we and every receiving or beneficiary financial institution may rely on the identifying number to make payment. We may rely on the number

even if it identifies a financial institution, person or account other than the one named. You agree to be bound by automated clearing house association

rules. These rules provide, among other things that payments made to you, or originated by you, are provisional until final settlement is made through a

Federal Reserve Bank or payment is otherwise made as provided in Article 4A-403(a) of the Uniform Commercial Code. If we do not receive such

payment, we are entitled to a refund from you in the amount credited to your account and the party originating such payment will not be considered to

have paid the amount so credited. If we receive a payment order to credit an account you have with us by wire or ACH, we are not required to give you

any notice of the payment order or credit.

(34) Unlawful Internet Gambling Notice.

Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through this account or relationship.

Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks, or drafts are knowingly accepted

by gambling businesses in connection with the participation by others in unlawful Internet gambling.

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(35) Personal Information Changes. You are responsible for notifying us of any change in your address, phone (home or mobile) or your name. Informing us of updated information on a

check reorder form is not sufficient. We will attempt to communicate with you only by use of the most recent information you have provided to us. If

provided elsewhere, we may impose a service fee if we attempt to locate you.

(36) Account Transfer. This account may not be transferred or assigned without our prior written consent.

(37) Dormant Accounts. We may consider a Deposit Account to be "dormant" after a period of no owner-initiated activity. If the account is an interest-bearing account, the

account will continue to earn interest. All accounts will be subject to service charges disclosed in our Schedule of Service Charges and Fees. If an

account becomes dormant, we will notify you with specific instructions on how to restore the account to an active status. After a period of dormancy, we

may take steps to initiate escheatment (see the "Escheatment" section).

(38) Escheatment. Accounts with no activity for a period of time may be considered to be dormant or abandoned. If this happens, the funds in your account may be

required to be turned over to the state of your last known address. We will make all reasonable efforts to contact you before transferring your account(s)

to an applicable state. Refer to the Schedule of Service Charges and Fees for any applicable fees. (39) Notices.

Any written notice you give us is effective when we actually receive it, and it must be given to us according to the specific delivery instructions provided

elsewhere, if any. We must receive it in time to have a reasonable opportunity to act on it. If the notice is regarding a check or other item, you must give

us sufficient information to be able to identify the check or item, including the precise check or item number, amount, date and payee. Written notice we

give you is effective when it is deposited in the United States Mail with proper postage and addressed to your mailing address we have on file. Notice to

any of you is notice to all of you.

(40) Waiver of Notices. To the extent permitted by law, you waive any notice of non-payment, dishonor or protest regarding any items credited to or charged against your

account. For example, if you deposit a check and it is returned unpaid or we receive a notice of nonpayment, we do not have to notify you unless

required by federal Regulation CC or other law. (41) Statements. You must examine your statement of account with "reasonable promptness." If you discover (or reasonably should have discovered) any unauthorized

signatures or alterations, you must promptly notify us of the relevant facts. As between you and us, if you fail to do either of these duties, you will have

to either share the loss with us, or bear the loss entirely yourself (depending on whether we used ordinary care and, if not, whether we substantially

contributed to the loss). The loss could be not only with respect to items on the statement, but other items with unauthorized signatures or alterations by

the same wrongdoer.

You agree that the time you have to examine your statement and report to us will depend on the circumstances, but will not, in any circumstance,

exceed a total of 15 days from when the statement is first sent or made available to you. (42) Your Duty to Report Unauthorized Signatures, Alterations, and Forgeries.

You further agree that if you fail to report any unauthorized signatures, alterations or forgeries in your account within 30 days of when we first send or

make the statement available, you cannot assert a claim against us on any items in that statement, and as between you and us the loss will be entirely

yours. This 30-day limitation is without regard to whether we used ordinary care. The limitation in this paragraph is in addition to that contained in the

first paragraph of this section.

Your Duty to Report Other Errors. You further agree to examine your statement with reasonable promptness for any other error - such as an encoding

error. In addition, if you receive or we make available either your items or images of your items, you must examine them for any unauthorized or missing

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endorsements or any other problems. Failure to report any errors to us within 30 days of when we first send or make the statement available precludes

you from asserting a claim against us for any errors on items identified in that statement and as between you and us the loss will be entirely yours.

Errors Relating to Electronic Fund Transfers or Substitute Checks (For consumer accounts only). For information on errors relating to electronic

fund transfers (e.g., computer, debit card or ATM transactions) refer to your Electronic Fund Transfers disclosure and the sections on consumer liability

and error resolution. For information on errors relating to a substitute check you received, refer to your disclosure entitled Substitute Checks and Your

Rights.

(43) Resolving Account Disputes.

We may place an administrative hold on the funds in your account (refuse payment or withdrawal of the funds) if it becomes subject to a claim adverse

to:

Your own interest;

Others claiming an interest as survivors or beneficiaries of your account; or

A claim arising by operation of law.

The hold may be placed for such period of time as we believe reasonably necessary to allow a legal proceeding to determine the merits of the claim or

until we receive evidence satisfactory to us that the dispute has been resolved. We will not be liable for any items that are dishonored as a consequence

of placing a hold on funds in your account for these reasons.

(44) Fraud Detection/Deterrence and Safeguarding Your Account.

It is your responsibility to protect the account numbers and electronic access devices (e.g., an ATM card) we provide you for your account(s). There are

several precautions that you can and should take to decrease the risk of unauthorized transactions from your account(s). Such precautions include, but

are not limited to:

Safeguarding and not disclosing to third parties information about your account, such as your account number(s), unless you are willing to give

them full use of your money;

Safeguarding materials and information which can be used to access your account, including but not limited to, your checkbook, blank or unused

checks, electronic access devices including ATM cards, personal identification numbers, and any passwords or other access-related information,

to prevent them from being misused by any unauthorized party;

Calling us immediately at (877) 820-2265 if you suspect any problem with your account or unauthorized activity, or your checkbook or unused

check are lost, stolen or misplaced;

Reviewing carefully your checkbook and unused checks for unauthorized activity if you suspect that any of these items may have been stolen or

tampered with, or if you are the victim of theft or your property is burglarized;

Promptly and carefully reviewing your statement each month for unauthorized or missing deposits;

Closing your account immediately upon discovery of any known, or suspected unauthorized activity. When you report missing, stolen, or

unauthorized checks, we may recommend that any account(s) that have been compromised by unauthorized fraudulent activity be closed. If you

decline this recommendation and elect to leave your account open, we shall not be liable to you for subsequent losses on the account due to

unauthorized activity and we may require you to indemnify us for any losses we incur as well;

Limiting your telephone transactions to landline telephones. Cordless or cellular phone conversations can be intercepted without your knowledge

or authorization;

Maintaining close control over your facsimile signature devices to immediately detect any unauthorized use of those devices;

Issuing any checks with care to avoid alterations or forgeries;

Using a dark colored permanent ink to write out your checks, making sure the numeric and written amounts match and are readable, and make

sure there are no blank or open spaced in the body on the instrument where words or figures are to be inserted.

An account number can be used by thieves to issue an electronic debit or to encode your number on a false demand draft which looks like and

functions like an authorized check. If you furnish your access device and grant actual authority to make transfers to another person (a family member or

coworker, for example) who then exceeds that authority, you are liable for the transfers unless we have been notified that transfers by that person are

no longer authorized. Your account number can also be used to electronically remove money from your account, and payment can be made from your

account even though you did not contact us directly and order the payment. As between you and us, if you are negligent in safeguarding your checks,

you must bear the loss entirely yourself or share the loss with us (we may have to share some of the loss if we failed to use ordinary care and if we

substantially contributed to the loss).

In addition, from time-to-time we make certain products and services that are designed to detect and/or deter check fraud available to you. While no

product or service will be completely effective, we believe that the products and services we may offer will reduce the likelihood that certain types of

fraudulent items will be paid against your account. You agree that if you fail to implement any of these products or services, or you fail to follow these

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and other precautions reasonable for your particular circumstances, you will be precluded from asserting any claims against us for paying any

unauthorized, altered, counterfeit, or other fraudulent item that such product, service or precaution was designed to detect or deter, and we will not be

required to re-credit your account or otherwise have any liability for paying such items.

(45) Claim of Loss.

If you claim a credit or refund because of a forgery, alteration, or any other unauthorized withdrawal, you agree to cooperate with us in the investigation

of the loss, including giving us an affidavit containing whatever reasonable information we require concerning your account, the transaction, and the

circumstances surrounding the loss. You will notify law enforcement authorities of any criminal act related to the claim of lost, missing, or stolen checks

or unauthorized withdrawals. We will have a reasonable period of time to investigate the facts and circumstances surrounding any claim of loss. Unless

we have acted in bad faith, we will not be liable for special or consequential damages, including loss of profits or opportunity, or for attorneys' fees

incurred by you. You agree that you will not waive any rights you have to recover your loss against anyone who is obligated to repay, insure, or

otherwise reimburse you for your loss. You will pursue your rights or, at our option, assign them to us so that we may pursue them. Our liability will be

reduced by the amount you recover or are entitled to recover from these other sources.

(46) Legal Actions Affecting Your Account.

If we are served with a subpoena, restraining order, writ of attachment or execution, levy, garnishment, search warrant, or similar order relating to your

account (termed "legal action" in this section), we will comply with that legal action. Or, in our discretion, we may freeze the assets in the account and

not allow any payments out of the account until a final court determination regarding the legal action. We may do these things even if the legal action

involves less than all of you. In these cases, we will not have any liability to you if there are insufficient funds to pay your items because we have

withdrawn funds from your account or in any way restricted access to your funds in accordance with the legal action. Any fees or expenses we incur in

responding to any legal action (including, without limitation, attorneys' fees and our internal expenses) may be charged against your account. The list of

fees applicable to your account(s) provided elsewhere may specify additional fees that we may charge for certain legal actions.

(47) Amendments and Termination.

We may change any term of this agreement. Rules governing changes in interest rates are provided separately in the product disclosure or in another

document. For other changes, we will give you reasonable notice in writing or by any other method permitted by law. We may also close this account at

any time upon reasonable notice to you and tender of the account balance personally or by mail. Items presented for payment after the account is

closed may be dishonored. When you close your account, you are responsible for leaving enough money in the account to cover any outstanding items

to be paid from the account.

Reasonable notice depends on the circumstances, and in some cases such as when we cannot verify your identity or we suspect fraud, it might be

reasonable for us to give you notice after the change or account closure becomes effective.

For instance, if we suspect fraudulent activity with respect to your account, we might immediately freeze or close your account and then give you notice.

If we have notified you of a change in any term of your account and you continue to have your account after the effective date of the change, you have

agreed to the new term(s).

We may cancel your use of the Debit/ATM Card, or suspend your use thereof, or restrict or limit available transactions, at any time and for any reason.

Notice from us to any one of you is notice to all of you.

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PUBLIC FUNDS ANALYSISCHECKINGACCOUNTSA SUMMARY GUIDE TO UNDERSTAND EXACTLY HOW YOUR ACCOUNT WORKS

The information provided in the chart below contains important information about your PUBLIC FUNDS ANALYSIS or PUBLIC

FUNDS NET ANALYSIS account.

KEY ACCOUNT TERMS AND CHARGES

Minimum Deposit to Open Account

Monthly Service Charge

$50.00

Earnings Credit

Monthly service charge applies. Service charges owed for the current month areautomatically debited from the account on approximately the 10th business dayfollowing month end.

Interest

Service charges are subject to change. Refer to the Macatawa Bank Schedule of Service Charges & Fees - Business and Treasury Management Schedule of Fees forany additional fees and related charges that may apply to your account. If you have questions, call us at (877) 820-2265 or visit us at www.macatawabank.com.

This account features an Earnings Credit Allowance which is applied to reduce or eliminate Service Charges on the account. The ECA is based on the Average Available

Balances maintained in your account less the Reserve Requirement, calculated each statement cycle. If the earnings credit allowance exceeds the Total Service Charges forthe statement cycle, you will be assessed no fees but will not be paid, carried forward or otherwise receive credit for any excess earnings credit. The earnings credit allowancemay not be used to offset fee based items; such; as Paid Overdrafts, NSF Returned Items, Overdraft Interest, etc. The earnings credit rate and the basis for the rate are subjectto change from time to time without prior notice to you.

Refer to the Macatawa Bank Public Funds Depository Account Rate Sheet for current rate information or call (877) 820-2265.

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REV 10/23/2017 TISPUB

Please read it carefully and retain a copy for your records. For information on additional accounts, please contact your MacatawaBank Sales Representative, stop by a branch, or check on our website.

Per item charges will be assessed for each transaction. Monthly Transaction Allowance

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Public Funds Analysis: Available Public Funds Net Analysis: Available

Public Funds Analysis: Not available Public Funds Net Analysis: Tiered

This account is classified for accounting purposes as a transaction account. Please refer to the Terms and Conditions of Your Account disclosure for additional informationregarding the Special Disclosure for Transaction Accounts section.

Interest is calculated and paid on any net remaining average available balance after eligible service charges are offset by earnings credit and credited to the account monthly. 4

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PUBLIC FUNDS MONEYMARKETACCOUNTA SUMMARY GUIDE TO UNDERSTAND EXACTLY HOW YOUR ACCOUNT WORKS

The information provided in the chart below contains important information about your PUBLIC FUNDS MONEY MARKET account.

KEY ACCOUNT TERMS AND CHARGES

Minimum Deposit to Open Account

Monthly Service Charge

$50.00

Monthly Transaction Allowance

Interest

Service charges are subject to change. Refer to the Macatawa Bank Schedule of Service Charges & Fees for any additional fees and related charges that may apply to youraccount. If you have questions, call us at (877) 820-2265 or visit us at www.macatawabank.com.

Federal Regulation D limits certain types of withdrawal and transfer transactions you can make out of your savings or money market account to a maximum combined total ofsix (6) preauthorized debit transactions per month. These preauthorized debit transactions include: automatic transfers for overdraft coverage to your checking account, checks,drafts or similar other withdrawals payable to third parties, point-of-sale (POS) purchase transactions with an ATM/Debit Card, or by preauthorized or automatic paymenttransfers (including ACH and wire transfers) via telephone, online or mobile banking (including Bill Pay). Excessive transactions may incur a fee and the Bank, at its discretion,may either change your account to a non interest bearing account or close your account.

Refer to the Macatawa Bank Commercial Depository Account Rate Sheet for current rate information or call (877) 820-2265.

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REV 04/01/2015 TISPFMON

Please read it carefully and retain a copy for your records. For information on additional accounts, please contact your MacatawaBank Sales Representative, stop by a branch, or check on our website.

No monthly service charge when you maintain the following during each statementcycle:Ways to Avoid Monthly Service Charge

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Limit of six (6) pre-authorized debit transactions per month (including checks). Excess transactions are charged at $10.00 per transaction.

Tiered

$10.00

$10,000 monthly average available balance in this account.

Monthly Wire Transfer Allowance Limit of six (6) incoming and six (6) outgoing domestic wire transfer transactions permonth. Excess transactions are charged at the standard rate per transaction.

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