<SEC-DOCUMENT>0001387131-15-000884.txt : 20150313
<SEC-HEADER>0001387131-15-000884.hdr.sgml : 20150313
<ACCEPTANCE-DATETIME>20150313093118
ACCESSION NUMBER:		0001387131-15-000884
CONFORMED SUBMISSION TYPE:	DEF 14A
PUBLIC DOCUMENT COUNT:		4
CONFORMED PERIOD OF REPORT:	20150422
FILED AS OF DATE:		20150313
DATE AS OF CHANGE:		20150313
EFFECTIVENESS DATE:		20150313

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CHOICEONE FINANCIAL SERVICES INC
		CENTRAL INDEX KEY:			0000803164
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				382659066
		STATE OF INCORPORATION:			MI
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		DEF 14A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-19202
		FILM NUMBER:		15697896

	BUSINESS ADDRESS:	
		STREET 1:		109 E DIVISION
		STREET 2:		P O BOX 186
		CITY:			SPARTA
		STATE:			MI
		ZIP:			49345-0186
		BUSINESS PHONE:		6168877366

	MAIL ADDRESS:	
		STREET 1:		109 EAST DIVISION
		STREET 2:		P O BOX 186
		CITY:			SPARTA
		STATE:			MI
		ZIP:			49345-0186

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	1ST COMMUNITY BANCORP INC
		DATE OF NAME CHANGE:	19920703
</SEC-HEADER>
<DOCUMENT>
<TYPE>DEF 14A
<SEQUENCE>1
<FILENAME>cosf-def14a_123114.htm
<TEXT>
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<P STYLE="margin: 0">&nbsp;</P>

<!-- Field: Rule-Page --><DIV ALIGN="LEFT" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 2pt solid; border-bottom: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>UNITED STATES</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>SECURITIES AND EXCHANGE COMMISSION</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Washington D.C. 20549</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>SCHEDULE 14A</B></P>

<P STYLE="font: 14pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>(Rule 14a-101)</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>INFORMATION REQUIRED IN PROXY STATEMENT</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>SCHEDULE 14A INFORMATION</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Proxy Statement Pursuant to Section
14(a) of the Securities</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Exchange Act of 1934 (Amendment No.
<U>__</U>)</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
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    <TD STYLE="width: 9%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 7%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 84%; line-height: 115%"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Filed by the Registrant&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font: 10pt Wingdings">x</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Filed by a Party other than the Registrant&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font: 10pt Wingdings">o</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Check the appropriate box:</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font: 10pt Wingdings">o</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Preliminary Proxy Statement</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font: 10pt Wingdings">o</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Confidential, For Use of the Commission Only (as permitted by Rule&nbsp;14a-6(e)(2))</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font: 10pt Wingdings">x</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Definitive Proxy Statement</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font: 10pt Wingdings">o</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Definitive Additional Materials</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font: 10pt Wingdings">o</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Soliciting Material Pursuant to &sect;240.14a-12</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; text-align: center; line-height: 115%"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>CHOICEONE FINANCIAL SERVICES, INC.</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: black 1pt solid; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; line-height: 115%"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(Name of Registrant as Specified in Its Charter)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: black 1pt solid; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; line-height: 115%"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(Name of Person(s) Filing Proxy Statement, if Other Than the Registrant)</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">Payment of Filing Fee (Check the appropriate box):</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Calibri, Helvetica, Sans-Serif; border-collapse: collapse">
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    <TD STYLE="line-height: 115%"><FONT STYLE="font: 10pt Wingdings">x</FONT></TD>
    <TD COLSPAN="2" STYLE="line-height: 115%"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">No fee required.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%"><FONT STYLE="font: 10pt Wingdings">o</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; line-height: 115%"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Fee computed on table below per Exchange Act Rules 14a-6(i)(1) and 0-11.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 6%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 16%; line-height: 115%"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(1)</FONT></TD>
    <TD STYLE="width: 78%; line-height: 115%"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Title of each class of securities to which transaction applies:</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(2)</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Aggregate number of securities to which transaction applies:</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(3)</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Per unit price or other underlying value of transaction computed pursuant to Exchange Act Rule 0-11 (set forth the amount on which the filing fee is calculated and state how it was determined):</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(4)</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Proposed maximum aggregate value of transaction:</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(5)</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Total fee paid:</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%"><FONT STYLE="font: 10pt Wingdings">o</FONT></TD>
    <TD COLSPAN="2" STYLE="line-height: 115%"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Fee paid previously with preliminary materials.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%"><FONT STYLE="font: 10pt Wingdings">o</FONT></TD>
    <TD COLSPAN="2" STYLE="line-height: 115%"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Check box if any part of the fee is offset as provided by Exchange Act Rule 0-11(a)(2) and identify the filing for which the offsetting fee was paid previously. Identify the previous filing by registration statement number, or the form or schedule and the date of its filing.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; line-height: 115%"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(1)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">
        <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">Amount previously paid:</P>
        <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; line-height: 115%"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(2)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">
        <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">Form, Schedule or Registration Statement No.:</P>
        <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">
        <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">(3)</P>
        <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P></TD>
    <TD STYLE="border-bottom: black 1pt solid">
        <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">Filing party:</P>
        <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">
        <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">(4)</P>
        <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P></TD>
    <TD STYLE="border-bottom: black 1pt solid">
        <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">Date filed:</P>
        <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P></TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0.5in">&nbsp;&nbsp;&nbsp;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center">&nbsp;<IMG SRC="cofs-def14a_001.jpg" ALT=""></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>109 East Division<BR>
Sparta, Michigan 49345</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">March 13, 2015</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">To our Shareholders:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">We invite you to attend the Annual Meeting
of Shareholders of ChoiceOne Financial Services, Inc. to be held at:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Moss Ridge Golf Club<BR>
13545 Apple Avenue<BR>
Ravenna, Michigan<BR>
April 22, 2015</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>11:00 a.m. Annual Meeting; social
period to immediately follow</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">The purpose of the meeting is to elect
directors and to consider the other matters described in this proxy statement.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">Please plan to join us for an informal
social period immediately following the conclusion of the business portion of the Annual Meeting, which starts at 11:00 a.m. Desserts
and hors d&#8217;oeuvres will be served during the social period. Shareholders holding stock in single ownership form are invited
to bring a guest.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>Please be sure to sign, date and return
the enclosed proxy promptly whether or not you plan to attend the meeting</B>. A proxy may be revoked at any time before it is
exercised and shareholders who are present at the meeting may withdraw their proxy and vote in person if they wish to do so. All
owners should sign proxies as their names appear on the proxy.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">We hope you will join us at the 2015 Annual
Meeting. We look forward to seeing you there.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 54%; padding-top: 18px; padding-left: 346px; font: 10pt/18pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font: 9pt Sans-Serif; color: Red"><B></B></FONT></TD>
    <TD STYLE="width: 46%; font: 10pt Times New Roman, Times, Serif">Sincerely,<BR>
<IMG SRC="cofs-def14a_002.jpg" ALT=""><BR>
James A. Bosserd<BR>
President and Chief Executive Officer</TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>


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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 9pt/normal Sans-Serif; margin-top: 0; margin-bottom: 0; text-align: center; color: Red"><IMG SRC="cofs-def14a_001.jpg" ALT=""></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>109 East Division<BR>
Sparta, Michigan 49345</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">NOTICE OF ANNUAL MEETING OF SHAREHOLDERS</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 9pt/normal Sans-Serif; margin: 0; text-align: justify; color: Red"><B></B></P>

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<P STYLE="font: 9pt/normal Sans-Serif; margin: 0; text-align: justify; color: Red"><B></B></P>



<P STYLE="font: 9pt/normal Sans-Serif; margin: 0; text-align: justify; color: Red"><B>&nbsp;</B></P>

<P STYLE="font: 9pt/normal Sans-Serif; margin: 0; text-align: justify; color: Red"><B></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 0.5in">The annual meeting
of shareholders of ChoiceOne Financial Services, Inc. will be held at Moss Ridge Golf Club, 13545 Apple Avenue, Ravenna, Michigan,
on Wednesday, April 22, 2015, at 11:00 a.m. local time, for the following purposes:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 7%; line-height: 18pt; text-align: left">&nbsp;</TD>
    <TD STYLE="width: 7%; line-height: 18pt">1.</TD>
    <TD STYLE="width: 86%; line-height: 18pt">To elect four directors from among the nominees named in this proxy statement.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: left">&nbsp;</TD>
    <TD STYLE="line-height: 18pt">&nbsp;</TD>
    <TD STYLE="line-height: 18pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: left">&nbsp;</TD>
    <TD STYLE="line-height: 18pt">2.</TD>
    <TD STYLE="line-height: 18pt">Advisory approval of the Company&#8217;s executive compensation.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: left">&nbsp;</TD>
    <TD STYLE="line-height: 18pt">&nbsp;</TD>
    <TD STYLE="line-height: 18pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: left">&nbsp;</TD>
    <TD STYLE="line-height: 18pt">3.</TD>
    <TD STYLE="line-height: 18pt">Ratification of the selection of Plante &amp; Moran, PLLC as our registered independent public accounting firm for the current fiscal year.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: left">&nbsp;</TD>
    <TD STYLE="line-height: 18pt">&nbsp;</TD>
    <TD STYLE="line-height: 18pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: left">&nbsp;</TD>
    <TD STYLE="line-height: 18pt">4.</TD>
    <TD STYLE="line-height: 18pt">To transact any other business that may properly come before the meeting.</TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 0.5in">Shareholders of record
at the close of business on February 23, 2015, are entitled to notice of and to vote at the meeting and any adjournment of the
meeting. The proxy statement and proxy are first being mailed to ChoiceOne shareholders on approximately March 13, 2015.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 0.5in"><FONT STYLE="text-transform: uppercase"><B>important</B></FONT><B>
NOTICE REGARDING THE AVAILABILITY OF PROXY MATERIALS FOR THE MEETING OF SHAREHOLDERS TO BE HELD ON April 22, 2015:</B> A complete
set of proxy materials relating to our annual meeting and our annual report for the year ended December 31, 2014 are available
on the Internet at: www.choiceone.com/proxymaterials.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 46%; line-height: 18pt; text-align: left">&nbsp;</TD>
    <TD STYLE="width: 54%">
        <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">By Order of the Board of Directors,<BR>
        <FONT STYLE="font: 9pt Sans-Serif; color: Red"><B></B></FONT></P>
        <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font: 9pt Sans-Serif; color: Red"><B><IMG SRC="cofs-def14a_003.jpg" ALT="">&nbsp;</B></FONT></P>
        <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font: 9pt Sans-Serif; color: Red"><B></B></FONT><BR>
        Mary J. Johnson</P>
        <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">Secretary</P></TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">March 13, 2015</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; border: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 18pt; text-align: center"><FONT STYLE="font-size: 10pt">It is important that your shares be represented at the</FONT><BR>
<FONT STYLE="font-size: 10pt">meeting.&nbsp;&nbsp;Even if you expect to attend the meeting, </FONT><BR>
<FONT STYLE="font-size: 10pt"><B>PLEASE SIGN, DATE AND RETURN YOUR PROXY PROMPTLY.</B></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>


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<P STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>CHOICEONE
FINANCIAL SERVICES, INC. </B><BR>
109 East Division<BR>
Sparta, Michigan&nbsp;&nbsp;49345</FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: bold 12pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>ANNUAL
MEETING OF SHAREHOLDERS</B></FONT><BR>
<FONT STYLE="font: bold 10pt Times New Roman, Times, Serif">April 22, 2015</FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: bold 12pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font: bold 10pt Times New Roman, Times, Serif">PROXY
STATEMENT</FONT></P>

<P STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: bold 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center; border-bottom: Black 1.5pt double"><FONT STYLE="font: bold 10pt Times New Roman, Times, Serif">Meeting
Information</FONT></P>

<P STYLE="font: 12pt/18pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: bold 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">Time and Place of Meeting</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">You are invited to attend the annual meeting
of shareholders of ChoiceOne Financial Services, Inc. that will be held on Wednesday, April 22, 2015, at Moss Ridge Golf Club,
13545 Apple Avenue, Ravenna, Michigan, at 11:00 a.m. local time.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">This proxy statement and the enclosed
proxy are first being mailed to ChoiceOne shareholders on approximately March 13, 2015, in connection with the solicitation of
proxies by ChoiceOne&#8217;s Board of Directors for use at the annual meeting. In this proxy statement, &#8220;we,&#8221; &#8220;us,&#8221;
&#8220;our,&#8221; &#8220;ChoiceOne&#8221; and the &#8220;Company&#8221; refer to ChoiceOne Financial Services, Inc. and &#8220;you&#8221;
and &#8220;your&#8221; refer to ChoiceOne shareholders.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>Purpose of Meeting</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">The purpose of the annual meeting is to
consider and vote upon the election of directors, advisory approval of the compensation of the Company&#8217;s named executive
officers as disclosed in this proxy statement, and the ratification of the selection of Plante &amp; Moran, PLLC as our registered
independent public accounting firm for the current fiscal year. <B><I>Your Board of Directors recommends that you vote FOR each
of the nominees discussed in this proxy statement, FOR approval of the compensation of the Company&#8217;s named executive officers,
and FOR ratification of selection of auditors.</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: bold 10pt/normal Times New Roman, Times, Serif; margin: 0">How to Vote Your Shares</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">You may vote at the meeting if you were
a shareholder of record of ChoiceOne common stock at the close of business on February 23, 2015. You are entitled to one vote per
share of ChoiceOne common stock that you own on each matter presented at the annual meeting.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">As of February 23, 2015, there were 3,283,049
shares of ChoiceOne common stock issued and outstanding.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">Your shares will be voted at the annual
meeting if you properly sign and return the enclosed proxy. If you specify a choice, your proxy will be voted as specified. If
you do not specify a choice, your shares will be voted &#8220;FOR&#8221; each nominee named in this proxy statement, &#8220;FOR&#8221;
approval of the compensation of the Company&#8217;s named executive officers, and &#8220;FOR&#8221; ratification of selection of
auditors. If other matters are presented at the annual meeting, the individuals named in the enclosed proxy will vote your shares
on those matters in their discretion. As of the date of this proxy statement, we did not know of any other matters to be considered
at the annual meeting.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">You may revoke your proxy at any time before
it is exercised by:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 7%; line-height: 18pt; text-align: left"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD>
    <TD STYLE="width: 93%; line-height: 18pt; text-align: left"><FONT STYLE="font-size: 10pt">delivering written notice of revocation to the Secretary of ChoiceOne prior to the meeting;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD>
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font-size: 10pt">by delivering a proxy bearing a later date than the proxy you wish to revoke prior to the meeting; or</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD>
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font-size: 10pt">attending and voting in person at the annual meeting.</FONT></TD></TR>
</TABLE>
<P STYLE="font: bold 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt/normal Times New Roman, Times, Serif; margin: 0">Who Will Solicit Proxies</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">Directors, officers and employees of ChoiceOne
and ChoiceOne Bank (referred to as the &#8220;Bank&#8221;) will initially solicit proxies by mail. They also may solicit proxies
in person, by telephone or by other means, but they will not receive any additional compensation for these efforts. Nominees, trustees
and other fiduciaries who hold stock on behalf of beneficial owners of ChoiceOne common stock may communicate with the beneficial
owners by mail or otherwise and may forward proxy materials to and solicit proxies from the beneficial owners.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">ChoiceOne will pay all expenses related
to soliciting proxies.</P>


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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: bold 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">Required Vote and Quorum</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B><I>Election of Directors</I></B>. A
plurality of the shares voting at the annual meeting is required to elect directors. This means that if there are more nominees
than director positions to be filled, the nominees for whom the most votes are cast will be elected. In counting votes on the election
of directors, abstentions, broker non-votes and other shares not voted will not be counted as voted, and the number of shares of
which a plurality is required will be reduced by the number of shares not voted.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B><I>Advisory Approval of Executive Compensation</I></B>.
The advisory vote on executive compensation will be approved on an advisory basis if a majority of the shares that are voted on
the proposal at the meeting are voted in favor of approval. Abstentions, broker non-votes and other shares that are not voted on
the proposal in person or by proxy will not be included in the vote count to determine if a majority of shares voted on this proposal
voted in favor of approval.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B><I>Ratification of Independent Auditors</I></B>.
The ratification of the selection of Plante &amp; Moran PLLC as our independent auditors for the current fiscal year will be approved
if a majority of the shares that are voted on the proposal at the meeting are voted in favor of ratification. Abstentions, broker
non-votes and other shares that are not voted on the proposal in person or by proxy will not be included in the vote count to determine
if a majority of shares voted in favor of this proposal.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B><I>Required Vote for Other Matters</I></B>.
We do not know of any other matters to be presented at the meeting. Generally, any other proposal to be voted on at the meeting
would be approved if a majority of the shares that are voted on the proposal at the meeting are voted in favor of the proposal.
Abstentions, broker non-votes and other shares that are not voted on the proposal in person or by proxy will not be included in
the vote count to determine if a majority of shares voted on the proposal voted in favor of approval.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B><I>Quorum</I></B>. A majority of the
shares entitled to vote at the annual meeting must be present or represented at the meeting to constitute a quorum. To determine
whether a quorum is present, we will include shares that are present or represented by proxy, including abstentions and shares
represented by a broker non-vote on any matter.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;&nbsp;</P>

<P STYLE="font: bold 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">Election of Directors&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">The Board of Directors presently consists
of 11 individuals divided into three classes. Each class of directors is as nearly equal in number as possible and serves for a
three-year term of office. The term of office of one class of directors expires at the annual meeting each year. An individual
may not continue to serve on the Board of Directors after he or she becomes 70 years old.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">Following recommendation by the Governance
and Nominating Committee, the Board of Directors proposes that the following nominees be elected as directors for terms expiring
at the annual meeting of shareholders to be held in 2018:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>James A. Bosserd </B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>William F. Cutler, Jr.</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Paul L. Johnson</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Roxanne M. Page </B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">Each proposed nominee currently serves
as a director of ChoiceOne. The persons named in the enclosed proxy intend to vote for the election of the four nominees listed.
The proposed nominees are willing to be elected and serve as directors. If a nominee is unable to serve or is otherwise unavailable
for election &#8211; which we do not anticipate&nbsp;&#8211; the incumbent Board of Directors may or may not select a substitute
nominee. If a substitute nominee is selected, your proxy will be voted for the person so selected. If a substitute nominee is not
selected, your proxy will be voted for the election of the remaining nominees. No proxy will be voted for a greater number of persons
than the number of nominees named.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

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<P STYLE="font: bold 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">ChoiceOne&rsquo;s Board of Directors
and Executive Officers&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>


<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">Biographical information is presented below
concerning the nominees for director, current directors whose term of office will continue after the annual meeting and ChoiceOne&#8217;s
executive officers. The biographical information for each nominee and director includes the experience, qualifications, attributes
or skills that caused the Corporate Governance Committee and the Board to determine that the person should continue to serve as
a director for the Company. All of the directors of ChoiceOne also serve as directors of the Bank. Except as otherwise indicated,
each nominee, current director and executive officer has had the same principal employment for over five years.</P>

<P STYLE="font: bold 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">Nominees for Election as Directors
with Terms Expiring in 2018</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>


<P STYLE="font: bold 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<P STYLE="font: bold 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>James A. Bosserd </B>(age 65) has been
a director of ChoiceOne and the Bank since he was appointed to those boards in April 2001. Mr. Bosserd has been President and Chief
Executive Officer of ChoiceOne and the Bank since April 2001. Mr. Bosserd has also been President of ChoiceOne Insurance Agencies,
Inc. since April 2001 and President of ChoiceOne Mortgage Company of Michigan from January 2002 until December 2008. Prior to joining
ChoiceOne and the Bank, Mr. Bosserd was Senior Vice President-Retail Group Manager with Huntington National Bank, a commercial
bank, since October 1997 and Senior Vice President-Private Banking Manager with Huntington National Bank since April 1999. Mr.&nbsp;Bosserd
also served as President and Chief Executive Officer of FMB State Savings Bank, a commercial bank in Lowell, Michigan, from 1992
through 1997. Mr. Bosserd has also been a director of West Shore Computer Services, Inc., a data processing company in which the
Bank owns a 25% interest, since February 2002. Mr. Bosserd is a director of the Sparta Downtown Development Authority, Wolverine
World Wide YMCA, Community Bankers of Michigan (CBM, formerly MACB), and United Methodist Finance Authority. Mr. Bosserd also serves
on CBM&#8217;s audit and compensation committees. He is a former director of the MACB Service Corporation, Meadowlark Advisory
Board, Michigan FFA Foundation, Sparta United Methodist Church Board, and Michigan Bankers Association, and Sparta United Methodist
Church compensation committee and audit committee member. Mr. Bosserd has over 22 years of experience serving in senior executive
positions at West Michigan banks, including service as ChoiceOne&#8217;s President and Chief Executive Officer for the past thirteen
years. Mr. Bosserd is qualified for service as a continuing director by virtue of his extensive knowledge and expertise regarding
ChoiceOne&#8217;s markets, competitors, customers, employees, business operations and strategies.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>William F. Cutler, Jr. </B>(age 67)
is the former Vice President of the H. H. Cutler Company, an apparel manufacturer. Mr. Cutler joined the H. H. Cutler Company in
1970 and served in various management and executive capacities until January 1994. The H.&nbsp;H. Cutler Company was sold to VF
(Vanity Fair) Corporation in January 1994. Mr. Cutler has been a director of ChoiceOne and the Bank since October 1993. Mr. Cutler
served as a director of Spartan Distributors until December 2009. Mr. Cutler is a partner in Reds Associates LLC and former Managing
Partner and General Manager of Reds on the River LLC. Mr. Cutler's qualifications as a director include over two decades of business
management experience, including service on the board of ChoiceOne and the Bank for 21 years. Mr. Cutler is qualified for service
as a continuing director by virtue of his experience and knowledge with regard to finance and accounting matters.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-size: 10pt"><B>Paul L.
Johnson </B>(age 65) is the owner and retired President of Falcon Resources, Inc. in Belmont, Michigan, a sales, engineering and
design firm for the automotive and furniture industries. <FONT STYLE="background-color: white">Mr. Johnson was appointed as Chairman
of the Board of Directors of ChoiceOne and the Bank in December 2013, served as Vice Chairman from July 2013 until December 2013,
and </FONT>has been a director of ChoiceOne and the Bank since July 1999</FONT>.<FONT STYLE="font-size: 10pt"> Mr.&nbsp;Johnson
has been a director of ChoiceOne Insurance Agencies, Inc. since November 2000 through December 2006. Mr. Johnson is well qualified
for service as a continuing director by virtue of his extensive business and entrepreneurial experience and skills, including fifteen
years of experience as a director of ChoiceOne and the Bank. Mr. Johnson is qualified for service as a continuing director by virtue
of his significant knowledge of and experience with the markets and customers that we serve. </FONT></P>


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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>Roxanne M. Page</B> (age 45) is a Certified
Public Accountant and Partner with Beene Garter, LLP, an independently owned accounting and consulting firm. Ms. Page <FONT STYLE="background-color: white">was
appointed as Vice Chairman of the Board of Directors of ChoiceOne and the Bank in December 2013 and </FONT>has been a director
of ChoiceOne and the Bank since August 2010. Ms.&nbsp;Page served as a director for the Wolverine World Wide YMCA Advisory Board
until 2013. Ms. Page is qualified for service as a continuing director by virtue of her substantial accounting and finance expertise
and experience.</P>

<P STYLE="font: bold 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: italic 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font: italic bold 10pt Times New Roman, Times, Serif"><B>Your
Board of Directors and Governance and Nominating Committee,</B></FONT></P>

<P STYLE="font: italic 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font: italic bold 10pt Times New Roman, Times, Serif"><B>which
consists entirely of independent directors, recommend that you</B></FONT></P>

<P STYLE="font: bold 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font: italic bold 10pt Times New Roman, Times, Serif"><I>vote
FOR the election of all nominees as directors.</I></FONT></P>

<P STYLE="font: 12pt/18pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: bold 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">Continuing Directors with Terms
Expiring in 2017</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>


<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>K. Timothy Bull </B>(age 67) has been
a director of ChoiceOne and the Bank since the merger of ChoiceOne and Valley Ridge in 2006 and, prior to that, was a director
of Valley Ridge and Valley Ridge Bank and/or Kent City since 1993 and was also a director of Valley Ridge and Kent City from 1988
until 1991. Mr. Bull is President and sole shareholder of Moon Lake Orchards, Inc., a producer of fruit. Mr. Bull has over 24 years
of experience as a director of a bank or bank holding company. Mr. Bull is qualified to continue to serve as a director of ChoiceOne
by virtue of his substantial entrepreneurial, agricultural, and executive experience.</P>

<P STYLE="font: 9pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>Jack G. Hendon </B>(age 59) is a Certified
Public Accountant, Co-Founder, and Partner with H&amp;S Companies, PC, an independently owned accounting and consulting firm. Mr.
Hendon is also a partner in HSC Group LLC, H&amp;S Plaza LLC, and H&amp;S Land Company LLC. Mr. Hendon has been a director of ChoiceOne
and the Bank since August 2013. Mr. Hendon is a former director and audit committee member of Fremont Michigan Insuracorp. Mr.
Hendon is qualified for service as a continuing director by virtue of his substantial accounting and finance expertise and experience.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>Dennis C. Nelson </B>(age 66) has been
a director of ChoiceOne and the Bank since the merger of ChoiceOne and Valley Ridge in 2006 and was a director of Valley Ridge
Bank after the consolidation of Kent City and The Grant State Bank (&#8220;Grant&#8221;) to form Valley Ridge Bank (the &#8220;Consolidation&#8221;),
a director of Valley Ridge since it merged with Community Bank Corporation (&#8220;Community&#8221;) on July&nbsp;1, 1996 (the
&#8220;Valley Ridge/Community Merger&#8221;) and a director of Community and/or Grant, the subsidiary bank of Community, from 1985
until the Valley Ridge/Community Merger and the Consolidation. Mr. Nelson is a practicing doctor of dental surgery, president of
Nelson &amp; Nelson DDS, PLC, owner of Nelson Enterprises and NAR Properties. Mr. Nelson is qualified for service as a continuing
director by virtue of his 29 years of experience as a director of a community bank or bank holding company in West Michigan, as
well as the fact that he is a business owner and has substantial experience with and knowledge of finance and accounting.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><B>Keith D. Brophy</B> (age 52) was appointed
a director of ChoiceOne and the Bank in October 2014. Mr. Brophy is the Executive Director of the State of Michigan Small Business
Development Center. He previously held executive positions with Ideomed, Inc., RCM Technologies and Nusoft Solutions, and was co-founder
and CEO of technology firm Sagestone Consulting. Mr. Brophy also serves as a director of Greatland Corporation, the Grand Rapids
Local Development Finance Authority, and Frederick Meijer Gardens and Sculpture Park. Mr. Brophy is qualified to continue to serve
by virtue of his entrepreneurial, technology, and executive experience.</P>



<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"></P>

<P STYLE="font: bold 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">Continuing Directors with Terms
Expiring in 2016</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B></B></P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: left"><B>Frank G. Berris </B>(age 67) is Chief
Executive Officer and majority owner of American Gas &amp; Oil, Inc., an operator of gas stations and convenience stores. Mr. Berris
is also a member of the Michigan Petroleum Association/Michigan Association of Convenience Stores. Mr. Berris has been a director
of ChoiceOne and the Bank since August 1991. Mr. Berris is qualified for service as a continuing director by virtue of his record of executive leadership, history
with the Bank, and familiarity with the markets and customers that we serve.</P>


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<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: left"></P>

<P STYLE="font: 9pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: left"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: left"><B>Nels W. Nyblad </B>(age 61) owns Nels
Nyblad Family Farm LLC. Mr. Nyblad is also a director of Nyblad Orchards, Inc., Rossroy Enterprises, Nyblad Properties Grand Traverse,
LLC, Nyblad Farms, and Michigan Agricultural Cooperative Marketing Assn and former director of Cherry Growers Inc. Mr. Nyblad has
been a director of ChoiceOne and the Bank since June 2008. Mr. Nyblad is qualified for service as a continuing director by virtue
of his substantial business, agricultural, and entrepreneurial experience and experience as a director of several Michigan businesses.</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: left"><B>Raymond A. Lanning</B> (age 47) was appointed
a director of ChoiceOne and the Bank in October 2014. Mr. Lanning is the President of NEL Financial, LLC and New Equipment Leasing,
Inc., companies that provide and support a wide variety of equipment for lease. Mr. Lanning is also an owner in 2880 Thornhills
LLC and Liberty Insurance Agency, Inc. Mr. Lanning has been affiliated with the Grand Rapids Chamber of Commerce, Cascade Business
Owners Association, Ada Christian School Foundation and Calvin Christian Reformed Church. Mr. Lanning is qualified for service
as a continuing director by virtue of his credit expertise and financial and executive experience.</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: bold 11pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">Executive Officers who are not Directors</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>Lee A. Braford</B> (age 54) has been
a Senior Vice President since January 2012 and a Vice President of the Bank in Business Development since September 2001 serving
in various capacities, currently as Chief Credit Officer, and an executive officer since January 2011. Mr.&nbsp;Braford was also
employed by the Bank from 1980 to 1997. Mr. Braford serves on the board of the Sparta Community Foundation and previously served
as its chairman.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>Sheila R. Clark </B>(age 59) has been
a Senior Vice President of the Bank since January 2007, was a Vice President of the Bank since the merger of ChoiceOne and Valley
Ridge in 2006 and, prior to that, was a Vice President of Valley Ridge Bank since June 1999. Ms. Clark has been employed by either
the Bank or Valley Ridge Bank since July of 1982 serving in various management and executive capacities. Ms. Clark was employed
by Sparta State Bank (now the Bank) from Fall 1973 to Spring 1979. Ms. Clark also serves as a director of Sparta Rotary and Mid-Michigan
Banking Group, previously as its President.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>Mary J. Johnson</B> (age 51) has been
a Senior Vice President and Cashier of the Bank since December 2010 and a Vice President of the Bank since September 1998. Prior
to that, Ms.&nbsp;Johnson was employed by the Bank in April 1985, serving in various management and executive capacities since
April 1993. Ms. Johnson was appointed Secretary of ChoiceOne and the Bank in April 2011 and has been a director of ChoiceOne Insurance
Agencies, Inc. since January 2011. Ms. Johnson serves as an officer of Johnson &amp; Johnson Builders, Inc., a construction company.
Ms. Johnson also serves as a director of the Sparta Chamber of Commerce.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>Louis D. Knooihuizen</B> (age 65) has
been Senior Vice President, Senior Lending Officer of the Bank since December 2001. Mr. Knooihuizen was elected an officer of ChoiceOne
Mortgage Company of Michigan from 2003 until December 2008. Prior to his employment with ChoiceOne, Mr.&nbsp;Knooihuizen was employed
by Bank West, a commercial bank in Grand Rapids, Michigan, as Senior Vice President, Commercial Loans from 1999 to 2001 and by
National City Bank, a commercial bank, as Vice President, Commercial Loans from 1995 to 1999. Mr. Knooihuizen also serves as a
director of Sparta Rotary and Michigan Bankers Title and is a former director of Mid-Michigan Banking Group. Mr. Knooihuizen is
owner of Tiehere, LLC.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>Thomas L. Lampen</B> (age 59), a Certified
Public Accountant, has been a Senior Vice President of the Bank since December 2011, Chief Financial Officer of the Bank since
January 1992 and Treasurer of ChoiceOne since April 1987. Mr.&nbsp;Lampen has been the Treasurer of ChoiceOne Insurance Agencies,
Inc. since January 1996 and the Treasurer of ChoiceOne Mortgage Company of Michigan from January 2002 until December 2008. Prior
to his employment with ChoiceOne, Mr. Lampen was employed by Grant Thornton, a national accounting firm.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>Kelly J. Potes</B> (age 53) has been
Senior Vice President and General Manager of ChoiceOne Insurance Agencies, Inc. since January 2001 and Senior Vice President of
the Bank since January 2011. Prior to that, Mr.&nbsp;Potes was President of Kent-Ottawa Financial Advisors, Inc., a financial consulting
firm, from 1998 to 2001 and Vice President, Retail Services of the Bank from 1984 to 1998. Mr. Potes has been a director of ChoiceOne
Insurance Agencies, Inc. since January 2001. Mr.&nbsp;Potes formerly served as a Trustee
of the Sparta Board of Education.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>


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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"></P>

<P STYLE="font: bold 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">Advisory Approval of Executive
Compensation&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>


<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">In accordance with the requirements
of Section 14A of the Securities Exchange Act of 1934, shareholders may cast an advisory vote on the approval of the
compensation of the Company&#8217;s named executive officers as disclosed in this proxy statement pursuant to the SEC&#8217;s
compensation disclosure rules. The Company has designed its executive compensation programs to attract, motivate, reward and
retain the senior management talent to manage the Company to achieve our corporate objectives and increase shareholder value
through long-term profitable growth. The Personnel and Benefits Committee, which consists entirely of independent directors,
oversees the compensation of the Company&#8217;s named executive officers. The Committee believes that the Company&#8217;s
compensation programs are appropriate for the Company taking into account such factors as the size of the Company and the
Bank, the market for executive talent in which we compete, and the Company&#8217;s short-term and long-term strategic
objectives. The Committee believes that the Company&#8217;s compensation programs strike an appropriate balance between
incentivizing growth while not encouraging excessive risk-taking. For these reasons, we are asking our shareholders to vote
&#8220;FOR&#8221; the adoption of the following resolution:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&#8220;RESOLVED, that the shareholders
of ChoiceOne Financial Services, Inc. (the &#8220;Company&#8221;) approve the compensation of the Company&#8217;s named executive
officers, as disclosed in the Company&#8217;s proxy statement for the 2015 Annual Meeting of Shareholders under the heading entitled
&#8220;Executive Compensation.&#8221;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">This vote is not intended to address any
specific item of compensation, but rather the overall compensation of our named executive officers and the philosophy and programs
described in this proxy statement.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">The vote is not binding on the Company,
the Board of Directors or the Personnel and Benefits Committee. However, the Board of Directors and Personnel and Benefits Committee
value the opinions of our shareholders and will take the results of the vote into consideration when making future decisions regarding
executive compensation.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal inherit; margin: 0; text-align: left">The Company&#8217;s current policy is to provide shareholders
with an opportunity to approve the compensation of the named executive officers each year at the annual meeting of shareholders.
The next such vote will occur at the 2016 annual meeting of shareholders.</P>

<P STYLE="font: italic 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: italic 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Your
Board of Directors and Personnel and Benefits Committee,</B></FONT></P>

<P STYLE="font: italic 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>which
consists entirely of independent directors, recommend that you </B></FONT></P>

<P STYLE="font: italic 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>vote
FOR the approval of the compensation of the Company&#8217;s Named Executive Officers.</B></FONT></P>

<P STYLE="font: bold 12pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<P STYLE="font: bold 12pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">Ratification of Selection of Independent
Registered Public Accounting Firm&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">ChoiceOne&#8217;s Audit and
Compliance/CRA Committee (&#8220;Audit Committee&#8221;) has approved the selection of Plante &amp; Moran PLLC as the
Company&#8217;s independent registered public accounting firm to audit the financial statements of ChoiceOne and its
subsidiaries for 2015, and to perform such other appropriate accounting services as may be approved by the Audit Committee.
The Audit Committee and the Board of Directors propose and recommend that shareholders ratify the selection of Plante &amp;
Moran PLLC to serve as the Company&#8217;s independent auditors for the year ending December 31, 2015. More information
concerning the relationship of the Company with its independent auditors appears below under the headings &#8220;Audit
Committee,&#8221; &#8220;Independent Registered Public Accounting Firm,&#8221; and &#8220;Audit Committee Report.&#8221;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">If the shareholders do not ratify the selection
of Plante &amp; Moran PLLC, the Audit Committee will consider a change in auditors for the next year.</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>


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<P STYLE="font: 11pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B><I>Your
Board of Directors and Audit Committee, which consists entirely of independent directors,<BR>
recommend that you vote FOR ratification of the selection of<BR>
Plante &amp; Moran PLLC as our independent auditors for 2015.</I></B></FONT></P>

<P STYLE="font: 11pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: bold 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">Corporate Governance&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>


<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>Independence</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">The Board of Directors has determined that
the following 10 of its 11 directors meet the applicable Nasdaq Stock Market (&#8220;Nasdaq&#8221;) standards for director independence:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: left">Frank G. Berris<BR>
Keith D. Brophy</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 0.5in">K. Timothy Bull</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 0.5in">William F. Cutler,
Jr.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 0.5in">Jack G. Hendon</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 0.5in">Paul L. Johnson</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: left">Raymond A. Lanning<BR>
Dennis C. Nelson<BR>
Nels W. Nyblad</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 0.5in">Roxanne M. Page</P>

<P STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">In making this determination, the Board
of Directors considered all ordinary course loan and other business transactions between the directors and ChoiceOne.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>Committees of the Board of Directors</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">The Board of Directors has established
the following five standing committees:<BR>
<BR>
</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 7%; line-height: 18pt; text-align: left"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD>
    <TD STYLE="width: 93%; line-height: 18pt; text-align: left"><FONT STYLE="font-size: 10pt">Audit and Compliance/CRA Committee</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD>
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font-size: 10pt">Executive and Loan Review Committee </FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD>
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font-size: 10pt">Governance and Nominating Committee</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD>
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font-size: 10pt">Personnel and Benefits Committee</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD>
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font-size: 10pt">Asset/Liability and Risk Committee</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><I>Audit and Compliance/CRA Committee.
</I>The Audit and Compliance/CRA Committee (&#8220;Audit Committee&#8221;) was established in accordance with Section 3(a)(58)(A)
of the Securities Exchange Act of 1934. The Audit Committee oversees the financial reporting and accounting processes of ChoiceOne.
The Audit Committee is directly responsible for the appointment, compensation, retention and oversight of the work of the independent
public accountants and reviews its fees for audit and non-audit services and the scope and results of audits performed by them.
The Audit Committee also reviews ChoiceOne&#8217;s internal accounting controls, the proposed form of its financial statements,
the results of internal audits and compliance programs, and the results of the examinations received from regulatory authorities.
The Audit Committee operates pursuant to a written charter, which was adopted by the Board of Directors. A current copy of the
Audit Committee charter can be found in the Investor Relations section of ChoiceOne&#8217;s website at www.choiceone.com. As of
the date of this proxy statement, Roxanne M. Page (Chairperson), Keith D. Brophy, K. Timothy Bull, and Jack G. Hendon serve on
the Audit Committee. ChoiceOne has designated Ms. Page as an audit committee financial expert as defined by rules of the SEC. All
of the members of the Audit Committee are &#8220;independent&#8221; directors as defined by the rules of the SEC and Nasdaq Listing
Rules. In discharging its oversight role, the Audit Committee is empowered to investigate any matter brought to its attention,
with full access to all books, records, facilities, and personnel of the Company, and may retain outside counsel or other experts
for this purpose at the expense of the Company. The Audit Committee met four times during 2014.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><I>&nbsp;</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><I>Executive and Loan Review Committee</I>.
The<B> </B>Executive and Loan Review Committee reviews all aspects of the Bank&#8217;s loan activity, including new loans of $25,000
or more, problem or other loans identified by examiners, loans 60 days or more past due and non-accrual loans. The Executive and
Loan Review Committee also approves loan charge-offs and extensions of credit of up to 15% of the capital and surplus of the Bank.
The Executive and Loan Review Committee may also act in other capacities if the Board of Directors so authorizes. As of the date
of this proxy statement, William F. Cutler, Jr. (Chairperson), Frank G. Berris, James A. Bosserd, Paul L. Johnson, Raymond A. Lanning
and Nels W. Nyblad serve on the Executive and Loan Review Committee. There are no requirements that members of this committee be
&#8220;independent.&#8221; The Executive and Loan Review Committee met thirteen times during 2014.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><I>&nbsp;</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"></P>


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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><I>Governance and Nominating
Committee. </I>The Governance and Nominating Committee<B> </B>administers the process of nominations for directorships and
coordinates ChoiceOne&#8217;s corporate governance initiatives and policies. The Governance and Nominating Committee operates
pursuant to a written charter, which was adopted by the Board of Directors. A current copy of the Governance and Nominating
Committee charter can be found in the Investor Relations section of ChoiceOne&#8217;s website at www.choiceone.com. As of the
date of this proxy statement, Paul L. Johnson (Chairperson), K. Timothy Bull, William F. Cutler, Jr., and Jack G. Hendon
serve on the Governance and Nominating Committee. All of the members of the Governance and Nominating Committee are
&#8220;independent&#8221; directors as defined by Nasdaq Listing Rules. The Governance and Nominating Committee may establish
subcommittees of the committee and delegate authority and responsibility to subcommittees.&nbsp; In appropriate cases, in its
discretion, the Governance and Nominating Committee may delegate its authority to the executive officers, being mindful that
the committee and the Board of Directors are responsible to the Company&#8217;s shareholders to perform the functions and
fulfill the responsibilities charged to the committee under its charter<I>. &nbsp;&nbsp;</I>The Governance and Nominating
Committee has authority to engage consultants, advisors and legal counsel at the expense of the Company. The Governance and
Nominating Committee met three times during 2014.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><I>Personnel and Benefits Committee</I>.
The Personnel and Benefits Committee performs the functions of a compensation committee. The Personnel and Benefits Committee:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%; line-height: 18pt; text-align: left"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD>
    <TD STYLE="width: 92%; text-align: left; padding-bottom: 6pt"><FONT STYLE="font-size: 10pt">Reviews from time to time the personnel policies and programs of ChoiceOne, and submits recommendations to the Board of Directors;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD>
    <TD STYLE="text-align: left; padding-bottom: 6pt"><FONT STYLE="font-size: 10pt">Administers the equity plans of ChoiceOne that are approved by the Board of Directors;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD>
    <TD STYLE="text-align: left; padding-bottom: 6pt"><FONT STYLE="font-size: 10pt">Reviews the administration of and proposed changes to the retirement and welfare benefit plans of ChoiceOne that are approved by the Board of Directors; </FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD>
    <TD STYLE="text-align: left; padding-bottom: 6pt"><FONT STYLE="font-size: 10pt">Makes recommendations to the Board of Directors with respect to incentive compensation plans and equity-based plans;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD>
    <TD STYLE="text-align: left; padding-bottom: 6pt"><FONT STYLE="font-size: 10pt">Makes any determinations and approvals relating to incentive-based compensation (with the ratification of the Board of Directors) as required to comply with applicable tax laws;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD>
    <TD STYLE="text-align: left; padding-bottom: 6pt"><FONT STYLE="font-size: 10pt">While meeting outside of the presence of the Chief Executive Officer, reviews and approves corporate goals and objectives relevant to the compensation of the Chief Executive Officer, evaluates the performance of the Chief Executive Officer in light of those corporate goals and objectives, and determines the compensation of the Chief Executive Officer based on the evaluation; and</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD>
    <TD STYLE="text-align: left; padding-bottom: 6pt"><FONT STYLE="font-size: 10pt">While meeting outside of the presence of the Chief Executive Officer, determines the long-term incentive component of the compensation of the Chief Executive Officer, taking into consideration ChoiceOne&#8217;s performance and relative shareholder return, the value of similar incentive awards to chief executive officers at comparable companies, and the awards given to ChoiceOne&#8217;s Chief Executive Officer in past years.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">The Personnel and Benefits Committee operates
pursuant to a written charter, which was adopted by the Board of Directors. A current copy of the Personnel and Benefits Committee
charter can be found in the Investor Relations Section of ChoiceOne&#8217;s website at www.choiceone.com. All of the members of
the Personnel and Benefits Committee are &#8220;independent&#8221; directors as defined by Nasdaq Listing Rules. As of the date
of this proxy statement Jack G. Hendon (Chairperson), Dennis C. Nelson, Nels W. Nyblad, and Roxanne M. Page serve on the Personnel
and Benefits Committee. James A. Bosserd attends meetings but is not a member of this committee. The Personnel and Benefits Committee
may establish subcommittees of the committee and delegate authority and responsibility to subcommittees.&nbsp; In appropriate cases,
in its discretion, the Personnel and Benefits Committee may delegate its authority to the executive officers, being mindful that
the committee and the Board of Directors are responsible to the Company&#8217;s shareholders to perform the functions and fulfill
the responsibilities charged to the committee under its charter. While meeting outside of the presence of the Chief Executive Officer,
the Personnel and Benefits Committee determines the Chief Executive Officer&#8217;s compensation for recommendation to the Board
of Directors.&nbsp;&nbsp;The Personnel and Benefits Committee may delegate to the Chief Executive Officer authority to recommend
the amount or form of compensation paid to other executive officers and associates subordinate to the Chief Executive Officer,
subject to approval by the committee and such limitations and reporting responsibilities as the committee in its discretion shall
require. The Personnel and Benefits Committee will not delegate to executive officers its authority to approve awards of stock
options or other stock compensation.&nbsp; The Personnel and Benefits Committee has authority to engage consultants, advisors and
legal counsel at the expense of the Company. The Personnel and Benefits Committee met six times during 2014.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>


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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><I>Asset/Liability and Risk Committee</I>.
The Asset/Liability and Risk Committee oversees and assesses the adequacy of the Company&#8217;s management of key risks including
credit risk, asset/liability risk, liquidity risk, and operational risk. The Committee is also responsible for monitoring the Company&#8217;s
risk management profile and obtaining reasonable assurance of adherence to the Company&#8217;s risk management policies. The Committee
reviews and approves the Company&#8217;s policies, plans and programs relating to risk management, and monitors the effectiveness
of the Company's risk management programs. The Risk Committee operates pursuant to a written charter, which was adopted by the
Board of Directors. A current copy of the Risk Committee charter can be found in the Investor Relations section of ChoiceOne&#8217;s
website at www.choiceone.com. As of the date of this proxy statement, K. Timothy Bull (Chairperson), Raymond A. Lanning, Dennis
C. Nelson, and Roxanne M. Page serve on the Asset/Liability and Risk Committee. All of the members of the Asset/Liability and Risk
Committee are &#8220;independent&#8221; directors as defined by Nasdaq Listing Rules. The Asset/Liability and Risk Committee may
delegate responsibility for the assessment of certain risks to various committees of management or the Board of Directors, which
shall report and make recommendations to the committee concerning specific areas of risk.&nbsp; The Asset/Liability and Risk Committee
has authority to engage consultants, advisors and legal counsel at the expense of the Company. The Risk Committee met four times
during 2014.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>Board Leadership Structure and Role
in Risk Oversight</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">The Board of Directors has determined that
having an independent director serve as Chairman of the Board is in the best interest of shareholders at this time. The structure
ensures a greater role for the independent directors in the oversight of the Company and active participation of the independent
directors in setting agendas and establishing priorities and procedures for the work of the Board. We believe that this leadership
structure is preferred by a significant number of the Company&#8217;s shareholders.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">The Board is actively involved in oversight
of risks that could affect the Company. This oversight is conducted primarily through the Asset/Liability and Risk Committee and
the Audit and Compliance/CRA Committee, but the full Board has retained responsibility for general oversight of risks. The Board
satisfies this responsibility through reports by each committee chair regarding the committee&#8217;s considerations and actions,
as well as through regular reports directly from officers responsible for oversight of particular risks within the Company.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: bold 10pt/normal Times New Roman, Times, Serif; margin: 0">Nominations of Directors</P>

<P STYLE="font: 9pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">The Governance and Nominating Committee
will consider director candidates recommended by shareholders, directors, officers, third party search firms and other sources.
Shareholders may recommend individual nominees for consideration by the Governance and Nominating Committee by communicating with
the committee as described under the heading &#8220;Communicating with the Board of Directors.&#8221; The Governance and Nominating
Committee will ultimately determine whether a shareholder recommendation will result in a nomination under this process. In considering
potential nominees, the committee will review all candidates in the same manner, regardless of the source of the recommendation.
In evaluating the skills and characteristics required of board members, the committee considers various factors and believes that
each candidate should:</P>

<P STYLE="font: 9pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 7%; line-height: 18pt; text-align: left"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD>
    <TD STYLE="text-align: left; padding-bottom: 6pt; width: 93%"><FONT STYLE="font-size: 10pt">be chosen without regard to sex, race, religion or national origin;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD>
    <TD STYLE="text-align: left; padding-bottom: 6pt"><FONT STYLE="font-size: 10pt">be an individual of the highest character and integrity and have an inquiring mind, vision and the ability to work well with others;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; font-size: 12pt; text-align: left"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD>
    <TD STYLE="text-align: left; padding-bottom: 6pt"><FONT STYLE="font-size: 10pt">be free of any conflict of interest that would violate any applicable law or regulation or interfere with the proper performance of the responsibilities of a director;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD>
    <TD STYLE="text-align: left; padding-bottom: 6pt"><FONT STYLE="font-size: 10pt">possess substantial and significant experience that would be of particular importance to ChoiceOne in the performance of the duties of a director; </FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD>
    <TD STYLE="text-align: left; padding-bottom: 6pt"><FONT STYLE="font-size: 10pt">have sufficient time available to devote to the affairs of ChoiceOne in order to carry out the responsibilities of a director; and</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD>
    <TD STYLE="text-align: left; padding-bottom: 6pt"><FONT STYLE="font-size: 10pt">have the capacity and desire to represent the balanced, best interests of the shareholders as a whole.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 9pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">A shareholder nominating a director must
send a written notice to the Secretary of ChoiceOne that sets forth with respect to each proposed nominee:</P>

<P STYLE="font: 9pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 7%; line-height: 18pt; text-align: left"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD>
    <TD STYLE="text-align: left; padding-bottom: 6pt; width: 93%"><FONT STYLE="font-size: 10pt">the name, age, business address and residence address of the nominee;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD>
    <TD STYLE="text-align: left; padding-bottom: 6pt"><FONT STYLE="font-size: 10pt">the principal occupation or employment of the nominee;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD>
    <TD STYLE="text-align: left; padding-bottom: 6pt"><FONT STYLE="font-size: 10pt">the number of shares of common stock of ChoiceOne that the nominee beneficially owns;</FONT></TD></TR>
</TABLE>

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<P STYLE="font: 12pt/18pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 7%; line-height: 18pt; text-align: left"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD>
    <TD STYLE="text-align: left; padding-bottom: 6pt; width: 93%"><FONT STYLE="font-size: 10pt">a statement that the nominee is willing to be nominated and to serve; and</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD>
    <TD STYLE="text-align: left; padding-bottom: 6pt"><FONT STYLE="font-size: 10pt">such other information concerning the nominee as would be required under the rules of the SEC to be included in a proxy statement soliciting proxies for the election of the nominee.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">You must send this notice to the Secretary
not less than 120 days prior to the date of notice of an annual meeting and not more than seven days following the date of notice
of a special meeting called for election of directors.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: bold 10pt/normal Times New Roman, Times, Serif; margin: 0">Board Meetings and Attendance</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">During 2014, the ChoiceOne Board of Directors
held twelve regular meetings and one special meeting. All directors attended at least 75% of the aggregate number of meetings of
the Board of Directors and meetings of committees on which they served during the year during the periods that they served.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>Annual Meeting Attendance</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">ChoiceOne expects all of its directors
to attend its annual meeting of shareholders. All directors attended the 2014 annual meeting.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>Communicating with the Board of Directors</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">Shareholders and interested parties may
communicate with members of ChoiceOne&#8217;s Board of Directors by sending correspondence addressed to the board as a whole, a
specific committee, or a specific board member c/o Mary J. Johnson, Secretary, ChoiceOne Financial Services, Inc., 109 East Division,
Sparta, Michigan 49345. All correspondence will be forwarded directly to the applicable members of the Board of Directors.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>


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<P STYLE="font: bold 12pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<P STYLE="font: bold 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">Ownership of ChoiceOne Common Stock&nbsp;</P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 0pt; margin-bottom: 0pt"><DIV STYLE="font-size: 1pt; border-top: Black 1px solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: bold 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center">&nbsp;</P>


<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: bold 10pt/normal Times New Roman, Times, Serif; margin: 0">Ownership of ChoiceOne Stock by Directors and Executive
Officers</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">The following table sets forth information
concerning the number of shares of ChoiceOne common stock held as of December 31, 2014, by each of ChoiceOne&#8217;s directors
and nominees for director, each of the named executive officers and all of ChoiceOne&#8217;s directors, nominees for director and
executive officers as a group:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="15" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Amount and Nature of<BR> Beneficial Ownership of Common Stock (1)</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid; vertical-align: bottom">Name of<BR> Beneficial Owner</TD><TD STYLE="font-weight: bold; padding-bottom: 1pt; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Sole Voting<BR> and<BR> Dispositive<BR> Power</TD><TD STYLE="font-weight: bold; padding-bottom: 1pt; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Shared<BR> Voting or<BR> Dispositive<BR> Power (2)</TD><TD STYLE="font-weight: bold; padding-bottom: 1pt; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Shares<BR> Underlying<BR> Unexercised<BR> Options</TD><TD STYLE="font-weight: bold; padding-bottom: 1pt; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Total<BR> Beneficial<BR> Ownership</TD><TD STYLE="font-weight: bold; padding-bottom: 1pt; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Percent<BR> of<BR> Class</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 35%; text-align: left; padding-left: 4.5pt">Frank G. Berris</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 9%; text-align: right">26,034</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 9%; text-align: right">&nbsp;</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 9%; text-align: right">&nbsp;</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 9%; text-align: right">26,034</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 9%; text-align: right"><FONT STYLE="font-size: 10pt">*</FONT></TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 4.5pt">James A. Bosserd</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7,630</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">10,184</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">5,500</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">23,314</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">*</FONT></TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 4.5pt">Keith D. Brophy</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">65</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">65</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">*</FONT></TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 4.5pt">K. Timothy Bull</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">63,975</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4,102</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">68,077</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2.1</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 4.5pt">William F. Cutler, Jr.</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">56,718</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">56,718</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1.7</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 4.5pt">Jack G. Hendon</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4,400</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,235</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">5,635</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">*</FONT></TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 4.5pt">Paul L. Johnson</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4,153</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">41,725</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">45,878</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1.4</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 4.5pt">Raymond A. Lanning</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">10,141</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">300</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">10,441</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">*</FONT></TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 4.5pt">Dennis C. Nelson</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">5,202</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">5,202</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">*</FONT></TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 4.5pt">Nels W. Nyblad</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">11,680</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">15,752</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">27,432</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">*</FONT></TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 4.5pt">Roxanne M. Page</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">560</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,060</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,620</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">*</FONT></TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 4.5pt">Louis D. Knooihuizen</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">5,697</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3,750</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">9,447</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">*</FONT></TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 4.5pt">Kelly J. Potes</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,841</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">8,959</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,500</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">14,300</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">*</FONT></TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 1pt; padding-left: 4.5pt">All directors, nominees for<BR> &nbsp;&nbsp;director and &nbsp;executive<BR> &nbsp;&nbsp;officers as a group (3)</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">149,935</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">202,420</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">18,750</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">371,105</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">11.3</TD><TD STYLE="padding-bottom: 1pt; text-align: left">%</TD></TR>
</TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; border: white 1pt solid">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">*Less than 1%.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%; line-height: 18pt; text-align: left"><FONT STYLE="font-size: 10pt">(1)</FONT></TD>
    <TD STYLE="width: 95%; text-align: left"><FONT STYLE="font-size: 10pt">The numbers of shares stated are based on information furnished by each person listed and include shares personally owned of record by that person and shares that under applicable regulations are considered to be otherwise beneficially owned by that person.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: left">&nbsp;</TD>
    <TD STYLE="line-height: 18pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font-size: 10pt">(2)</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">These numbers include shares as to which the listed person is legally entitled to share voting or dispositive power by reason of joint ownership, trust or other contract or property right, and shares held by spouses, certain relatives and minor children over whom the listed person may have influence by reason of relationship.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: left">&nbsp;</TD>
    <TD STYLE="line-height: 18pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font-size: 10pt">(3)</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">Total beneficial ownership includes 39,848 shares of ChoiceOne common stock held by the ChoiceOne Bank 401(k) and Employee Stock Ownership Plan in the accounts of employees, of which executive officers of ChoiceOne are administrators.&nbsp;&nbsp;Of the 39,848 shares of ChoiceOne common stock in this plan, the directors and executive officers have included 8,500 shares in this table as beneficially owned with sole voting and dispositive power.&nbsp;&nbsp;The remaining 31,348 shares are reported as beneficially owned with shared voting or dispositive power and the officers and directors disclaim beneficial ownership of such shares.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: left; text-indent: -0.5in">&nbsp;</P>

<P STYLE="font: bold 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>


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<P STYLE="font: bold 10pt/normal Times New Roman, Times, Serif; margin: 0">Five Percent Shareholders</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">No person or group is known to ChoiceOne
to be a beneficial owner of 5% or more of ChoiceOne&#8217;s outstanding shares of common stock as of December 31, 2014.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: normal 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Executive Compensation</B>&nbsp;</P>

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<P STYLE="font: normal 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>


<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>Summary of Executive Compensation</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left; border: white 1pt solid">The following
table shows certain information concerning the compensation earned by the Chief Executive Officer and each of ChoiceOne&#8217;s
two most highly compensated executive officers other than the Chief Executive Officer who were serving as executive officers as
of the fiscal year ended December 31, 2014 (together, the &#8220;named executive officers&#8221;).</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">SUMMARY COMPENSATION TABLE</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Name and <BR> Principal Position</TD><TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Year</TD><TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Salary (1)(2)</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1pt solid; text-align: center; vertical-align: bottom"><B>Stock Awards (3)</B></TD><TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">All Other Compensation</TD><TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Total</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 35%; text-align: left; padding-left: 0pt">James A. Bosserd</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 9%; text-align: center; vertical-align: bottom">2014</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">311,840</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">14,438</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">18,442</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">344,720</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 0pt">President and </TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: center; vertical-align: bottom">2013</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">258,764</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&mdash;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">8,865</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">267,629</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 0pt">Chief Executive Officer of ChoiceOne and Bank</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,255,255)">
    <TD STYLE="text-align: left; padding-left: 0pt">Louis Knooihuizen</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: center; vertical-align: bottom">2014</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">145,183</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">9,625</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">7,521</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">162,329</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 0pt">Senior Vice President of ChoiceOne and Bank</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: center; vertical-align: bottom">2013</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">126,919</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&mdash;&nbsp;&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">5,392</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">132,311</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 0pt">Kelly Potes</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: center; vertical-align: bottom">2014</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">174,634</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">9,625</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">5,502</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">189,761</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,255,255)">
    <TD STYLE="text-align: left; padding-left: 0pt">Senior Vice President of Bank and Insurance</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: center; vertical-align: bottom">2013</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">139,203</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&mdash;&nbsp;&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">4,728</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">143,931</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
</TABLE>


<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%; line-height: 18pt; text-align: left"><FONT STYLE="font-size: 10pt">(1)</FONT></TD>
    <TD STYLE="width: 96%; line-height: 18pt; text-align: left"><FONT STYLE="font-size: 10pt">The amount reported includes directors&#8217; fees paid to Mr. Bosserd totaling $17,800 in 2014 and $16,050 in 2013.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font-size: 10pt">(2)</FONT></TD>
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font-size: 10pt">Includes salary deferred under the ChoiceOne Bank 401(k) and Employee Stock Ownership Plan.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font-size: 10pt">(3)</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">The values of all stock awards reported in this column were computed in accordance with Financial Accounting Standards Board Accounting Standards Codification, ASC Topic 718 Compensation-Stock Compensation (ASC 718). &nbsp;For a discussion of the valuation assumptions, see Note 14 to the Company's 2014 consolidated financial statements included in the Company's Annual Report on Form 10-K for the year ended December 31, 2014.&nbsp; Stock awards consist of awards of restricted stock units granted on August 1, 2014, which will vest in equal installments over three years on the grant date anniversary.&nbsp; Any restricted units that vest will be converted to shares of Company common stock on a one-for-one basis. Restricted stock units that do not vest will be forfeited and the named executive officer will receive no shares of Company common stock attributable to the forfeited units.&nbsp; A holder of restricted stock units has no rights as a shareholder of the Company until such time as restricted stock units vest and convert into shares of Company common stock.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>&nbsp;</B></P>


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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>Employment Agreement</B></P>

<P STYLE="font: 9pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">As an inducement for Mr. Bosserd&#8217;s
agreement to serve as a director and President and Chief Executive Officer of ChoiceOne and the Bank, ChoiceOne entered into a
three-year employment agreement with Mr. Bosserd in 2007 that extends each year for one additional year, unless either ChoiceOne
or Mr. Bosserd provides notice of termination. Under this agreement, ChoiceOne agreed to:</P>

<P STYLE="font: 9pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 7%; line-height: 18pt; text-align: left"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD>
    <TD STYLE="width: 93%; line-height: 18pt; text-align: left"><FONT STYLE="font-size: 10pt">pay Mr. Bosserd a salary of $160,000 per year as may be adjusted, less taxes and withholdings, plus possible bonuses;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD>
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font-size: 10pt">pay Mr. Bosserd the regular director&#8217;s fee for attending Board meetings;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD>
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font-size: 10pt">provide Mr. Bosserd with an automobile allowance of $600 per month;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD>
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font-size: 10pt">reimburse Mr. Bosserd for all documented business expenses;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD>
    <TD STYLE="text-align: left; padding-bottom: 6pt"><FONT STYLE="font-size: 10pt">continue to pay Mr. Bosserd his base salary for the remainder of the term if Mr.&nbsp;Bosserd is terminated, without cause, or quits for &#8220;good reason&#8221; following a change in control of ChoiceOne;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD>
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font-size: 10pt">provide Mr. Bosserd with thirty sick and personal days per year; and</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD>
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font-size: 10pt">provide Mr. Bosserd with the same health and other employee benefits provided to other executive employees of ChoiceOne and the Bank.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">Mr. Bosserd agreed not to compete with
ChoiceOne or the Bank during the term of his employment agreement unless his employment is terminated by the Company without cause
or by Mr. Bosserd for &#8220;good reason&#8221; after a change in control.</P>

<P STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>401(k) Plan</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">The ChoiceOne Bank 401(k) and Employee Stock Ownership Plan
is qualified under Section 401(a) of the Internal Revenue Code of 1986 (the &#8220;Code&#8221;).</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">The purpose of the 401(k) plan is to permit Bank employees,
including the named executive officers, to save for retirement on a pre-tax basis. In addition to an employee&#8217;s pre-tax contributions,
the Bank may contribute discretionary matching, profit sharing or employee stock ownership plan contributions to the 401(k) plan.
Any matching contributions are immediately vested. Any profit sharing or employee stock ownership plan contributions become fully
vested after six years of a participant&#8217;s service. The Bank has generally made a contribution to the 401(k) plan each year.
A discretionary matching contribution was made for 2014.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">The employee stock ownership plan provisions provide that
the ESOP portion of the 401(k) plan is designed to invest primarily in stock of ChoiceOne.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; border: white 1pt solid"><B>Outstanding
Equity Awards at Fiscal Year-End</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">The following table provides information
concerning outstanding equity awards for each named executive officer as of December 31, 2014.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">OUTSTANDING EQUITY AWARDS AT FISCAL YEAR-END</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="14" STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">Option Awards</TD><TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">Stock Awards</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-weight: bold; padding-bottom: 1pt; border-bottom: Black 1pt solid; text-align: center; vertical-align: bottom">Name</TD><TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"><B>Number of Securities Underlying Unexercised Options Exercisable</B></TD><TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"><B>Number of Securities Underlying Unexercised Options<BR>
 Unexercisable (1)</B></TD><TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"><B>Option Exercise Price</B></TD><TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD><TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"><B>Option Expiration Date</B></TD><TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"><B>Number of Units of Stock that have Not Vested (2)</B></TD><TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"><B>Market Value of Units of Stock that have Not Vested</B></TD><TD STYLE="padding-bottom: 1pt; font-weight: bold; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 27%; text-align: left">James A. Bosserd</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; text-align: right">2,500</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 11%; text-align: right">&mdash;&nbsp;&nbsp;</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 8%; text-align: right">18.85</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 6%; text-align: right">1</TD><TD STYLE="width: 1%; text-align: left">/18/16</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 8%; text-align: right">750</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 8%; text-align: right">17,250</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,255,255)">
    <TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3,000</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">17.95</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1</TD><TD STYLE="text-align: left">/18/17</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="text-align: center">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,255,255)">
    <TD STYLE="text-align: left">Louis Knooihuizen</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">750</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&mdash;&nbsp;&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">18.85</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1</TD><TD STYLE="text-align: left">/18/16</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">500</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">11,500</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,500</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">17.95</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1</TD><TD STYLE="text-align: left">/18/17</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,255,255)">
    <TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,500</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">13.50</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1</TD><TD STYLE="text-align: left">/17/18</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,255,255)">
    <TD STYLE="text-align: left">Kelly Potes</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">500</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&mdash;&nbsp;&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">18.85</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1</TD><TD STYLE="text-align: left">/18/16</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">500</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">11,500</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,000</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">17.95</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1</TD><TD STYLE="text-align: left">/17/17</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,255,255)">
    <TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,000</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">13.50</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1</TD><TD STYLE="text-align: left">/23/18</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
</TABLE>


<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 3%; line-height: 18pt; text-align: left"><FONT STYLE="font-size: 10pt">(1)</FONT></TD>
    <TD STYLE="width: 97%; line-height: 18pt; text-align: left"><FONT STYLE="font-size: 10pt">As of December 31, 2014, all of the options granted to the named executive officers were vested and exercisable.&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font-size: 10pt">(2)&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">Consists of restricted stock units granted on August 1, 2014, which will vest in equal installments over three years on the grant date anniversary.&nbsp;&nbsp;Any restricted units that vest will be converted to shares of Company common stock on a one-for-one basis. Restricted stock units that do not vest will be forfeited and the named executive officer will receive no shares of Company common stock attributable to the forfeited units.&nbsp; A holder of restricted stock units has no rights as a shareholder of the Company until such time as restricted stock units vest and convert into shares of Company common stock.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 9pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>


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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>Director Compensation</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">The following table provides information
concerning the compensation of directors for ChoiceOne&#8217;s last completed fiscal year.</P>

<P STYLE="font: 8pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">DIRECTOR COMPENSATION</P>

<P STYLE="font: 9pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Name</TD><TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Fees Earned<BR> or Paid in<BR> Cash</TD><TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">All Other<BR> Compensation</TD><TD STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Total</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 46%; text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Jerome B. Arends (2)</TD><TD STYLE="width: 5%; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: left; width: 1%; vertical-align: bottom">$</TD><TD STYLE="width: 11%; text-align: right">20,100</TD><TD STYLE="width: 1%; padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="width: 5%; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: left; width: 1%; vertical-align: bottom">$</TD><TD STYLE="text-align: right; width: 11%">&mdash;&nbsp;&nbsp;</TD><TD STYLE="width: 1%; padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="width: 5%; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: left; width: 1%; vertical-align: bottom">$</TD><TD STYLE="text-align: right; width: 11%">20,100</TD><TD STYLE="width: 1%; padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Frank G. Berris</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">20,200</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">&mdash;&nbsp;&nbsp;</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">20,200</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Keith D. Brophy (1)</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">3,000</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">&mdash;&nbsp;&nbsp;</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">3,000</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">K. Timothy Bull</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">20,425</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">&mdash;&nbsp;&nbsp;</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">20,425</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">William F. Cutler, Jr. (1)</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">22,100</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">&mdash;&nbsp;&nbsp;</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">22,100</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Lewis G. Emmons (3)</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">7,175</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">&mdash;&nbsp;&nbsp;</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">7,175</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Stuart Goodfellow (1)(4)</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">5,000</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">&mdash;&nbsp;&nbsp;</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">5,000</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Gary Gust (5)</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">18,250</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">&mdash;&nbsp;&nbsp;</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">18,250</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Jack G. Hendon (1)</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">20,100</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">&mdash;&nbsp;&nbsp;</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">20,100</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Paul L. Johnson</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">24,725</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">&mdash;&nbsp;&nbsp;</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">24,725</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Raymond A. Lanning (1)</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">3,000</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">&mdash;&nbsp;&nbsp;</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">3,000</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Dennis C. Nelson</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">19,600</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">&mdash;&nbsp;&nbsp;</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">19,600</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Nels W. Nyblad (1)</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">19,800</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">&mdash;&nbsp;&nbsp;</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">19,800</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Roxanne M. Page</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">22,225</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">&mdash;&nbsp;&nbsp;</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: right">22,225</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 6%; line-height: 18pt; text-align: justify"><FONT STYLE="font-size: 10pt">(1)</FONT></TD>
    <TD STYLE="width: 94%; text-align: left; padding-bottom: 6pt"><FONT STYLE="font-size: 10pt">Directors may elect to defer fees otherwise payable in cash and instead receive payment in the form of ChoiceOne common stock pursuant to the Directors Stock Purchase Plan described in the narrative below.&nbsp;&nbsp;For 2014, <FONT STYLE="background-color: white">Messrs. Cutler, Goodfellow, Lanning, and Nyblad each elected to receive 100% of their fees in the form of ChoiceOne stock.&nbsp;&nbsp;Messrs. Brophy and Hendon each received 50% of their fees in the form of ChoiceOne stock.</FONT> </FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: justify"><FONT STYLE="font-size: 10pt">(2)</FONT></TD>
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font-size: 10pt">Mr. Arends retired from the board of directors effective as of December 16, 2014. </FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: justify"><FONT STYLE="font-size: 10pt">(3)</FONT></TD>
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font-size: 10pt">Mr. Emmons retired from the board of directors effective as of April 19, 2014. </FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: justify"><FONT STYLE="font-size: 10pt">(4)</FONT></TD>
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font-size: 10pt">Mr. Goodfellow retired from the board of directors effective as of January 13, 2014. </FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: justify"><FONT STYLE="font-size: 10pt">(5)</FONT></TD>
    <TD STYLE="line-height: 18pt; text-align: left"><FONT STYLE="font-size: 10pt">Mr. Gust retired from the board of directors effective as of November 11, 2014. </FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="line-height: 18pt; text-align: left">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">Directors who were not employees of ChoiceOne
or the Bank received compensation for any committee of the Board of Directors on which they served at a rate of $300 per meeting
when attended in person or $225 per meeting via phone participation, except that interim loan committee meetings were compensated
at a rate of $150 per meeting. During 2014, Bank directors received compensation at the rate of $800 per meeting when attended
in person or $600 per meeting via phone participation up to a maximum 3 times per year. During 2014, the Bank compensated its directors
with a retainer rate of $5,000 per director, $5,000 for the President, and $6,500 for the Chairperson while ChoiceOne compensated
its directors with a retainer rate of $1,000 per director, $1,600 for the President, and $1,600 for the Chairperson. For 2015,
compensation rates will remain the same for directors who are not employees of ChoiceOne or the Bank for any committee of the Board
of Directors on which they serve in person or via phone participation and training sessions will be compensated at the committee
fee rate. For 2015, Bank directors will receive compensation at the rate of $900 per meeting when attended in person or $675 per
meeting via phone participation up to a maximum 3 times per year. For 2015, the Bank will compensate its directors with a retainer
rate of $6,000 per director, $6,000 for the President, $7,000 for the Audit Committee Chairperson, and $7,500 for the Board Chairperson
while ChoiceOne will compensate its directors with a retainer rate of $2,000 per director, $2,600 for the President, and $2,600
for the Chairperson.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">Under ChoiceOne&#8217;s Directors&#8217;
Stock Purchase Plan, a director may elect to receive payment of 25%, 50%, 75% or 100% of his or her director fees in the form of
ChoiceOne common stock. On each quarterly payment date, a director participating in this plan receives
a number of shares of ChoiceOne common stock (rounded to the nearest whole share) determined by dividing the dollar amount of fees
payable that the director has elected to receive as ChoiceOne common stock by the market value of ChoiceOne common stock determined
by a poll of ChoiceOne&#8217;s market makers on the last day of the month preceding the quarterly payment date.</P>


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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>Potential Payments Upon Termination
or Change in Control</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left; border: white 1pt solid">Mr. Bosserd&#8217;s
employment agreement provides that after a &#8220;change in control,&#8221; in the event that Mr. Bosserd&#8217;s employment is
terminated without cause or Mr. Bosserd terminates his employment for &#8220;good reason,&#8221; then Mr. Bosserd will be entitled
to continuation of his salary and benefits through the term of his employment agreement. Good reason is defined in the agreement
to include, among other things, a material demotion, assignment of duties inconsistent with Mr. Bosserd&#8217;s status as President
and Chief Executive Officer, a relocation of Mr.&nbsp;Bosserd, failure of ChoiceOne to elect Mr.&nbsp;Bosserd as Chief Executive
Officer of ChoiceOne or the Bank, or a material breach by ChoiceOne of any provision of the agreement. Under Mr. Bosserd&#8217;s
agreement, a change in control is deemed to have occurred as of the first day that there is a change in the ownership, the effective
control, or the ownership of a substantial portion of ChoiceOne&#8217;s assets. The Personnel and Benefits Committee believes the
&#8220;double trigger&#8221; of requiring both a change in control and termination of employment provides an appropriate balance
of protection for both ChoiceOne and Mr. Bosserd.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">ChoiceOne has granted certain equity awards
pursuant to the Stock Incentive Plan of 2012 that are subject to accelerated full vesting upon a change in control of ChoiceOne.</P>

<P STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">The following table summarizes the potential
payments and benefits payable to each of ChoiceOne&#8217;s named executive officers upon termination of employment in connection
with each of the triggering events set forth in the table below, assuming, in each situation, that the termination of employment
took place on December 31, 2014.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid; vertical-align: bottom">Triggering Event and Payments/Benefits</TD><TD STYLE="font-weight: bold; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">James A. Bosserd</TD><TD STYLE="font-weight: bold; border-bottom: Black 1pt solid">&nbsp;</TD><TD STYLE="font-weight: bold; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Louis Knooihuizen</TD><TD STYLE="font-weight: bold; border-bottom: Black 1pt solid">&nbsp;</TD><TD STYLE="font-weight: bold; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Kelly Potes</TD><TD STYLE="font-weight: bold; border-bottom: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left; padding-left: 10pt; text-indent: -10pt">&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-weight: bold; text-align: left; padding-left: 10pt; text-indent: -10pt; width: 46%">Change in Control (1)(2)</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="text-align: left; width: 1%">$</TD><TD STYLE="text-align: right; width: 13%">807,300</TD><TD STYLE="text-align: left; width: 1%">&nbsp;</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="text-align: left; width: 1%">$</TD><TD STYLE="text-align: right; width: 13%">11,500</TD><TD STYLE="text-align: left; width: 1%">&nbsp;</TD><TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="text-align: left; width: 1%">$</TD><TD STYLE="text-align: right; width: 13%">11,500</TD><TD STYLE="text-align: left; width: 1%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 10pt; text-indent: -10pt">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-weight: bold; text-align: left; padding-left: 10pt; text-indent: -10pt">Death (3)(4)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">272,396</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">137,352</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">166,891</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 10pt; text-indent: -10pt">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-weight: bold; text-align: left; padding-left: 10pt; text-indent: -10pt">Disability or Retirement(4)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">2,396</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">1,597</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">1,597</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%; line-height: 18pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 96%; line-height: 18pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: justify"><FONT STYLE="font-size: 10pt">(1)</FONT></TD>
    <TD STYLE="text-align: left; padding-bottom: 6pt"><FONT STYLE="font-size: 10pt">The payments to Mr. Bosserd under his employment agreement after a change in control are limited by Section&nbsp;280G of the Code.&nbsp;&nbsp;The amount shown in the table for Mr. Bosserd reflects this limitation.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: justify"><FONT STYLE="font-size: 10pt">(2)</FONT></TD>
    <TD STYLE="text-align: left; padding-bottom: 6pt"><FONT STYLE="font-size: 10pt">In accordance with the Stock Incentive Plan of 2012, all outstanding unvested equity awards shall become immediately fully vested upon a change in control.&nbsp;&nbsp;The amount shown includes the value of accelerated vesting of restricted stock units.&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: justify"><FONT STYLE="font-size: 10pt">(3)</FONT></TD>
    <TD STYLE="text-align: left; padding-bottom: 6pt"><FONT STYLE="font-size: 10pt">The Bank obtained Bank Owned Life Insurance on key executives and, if the executive dies while still working for the Bank, the estate will receive one full year of compensation.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: justify"><FONT STYLE="font-size: 10pt">(4)</FONT></TD>
    <TD STYLE="text-align: left; padding-bottom: 6pt"><FONT STYLE="font-size: 10pt">In accordance with the Stock Incentive Plan of 2012, restrictions on all outstanding unvested restricted stock units will be removed on a pro rata basis equal to the total number of such awards multiplied by the number of full months elapsed since grant date divided by the total number of full months in the respective restricted period upon death, disability, or retirement.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 18pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="line-height: 18pt; text-align: left">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: bold 12pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 12pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<P STYLE="font: bold 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">Audit Committee Report&nbsp;</P>

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<P STYLE="font: bold 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">The Audit and Compliance/CRA Committee
(Audit Committee) reviews and supervises ChoiceOne&#8217;s procedures for recording and reporting the financial results of its
operations on behalf of the Board of Directors. ChoiceOne&#8217;s management has primary responsibility for the financial statements
and the reporting process, including the systems
of internal controls. In fulfilling its supervisory duties, the Audit Committee has reviewed ChoiceOne&#8217;s audited financial
statements for the year ended December 31, 2014 included in the 2014 Annual Report to Shareholders and has discussed those financial
statements with ChoiceOne&#8217;s management, including a discussion of the quality, not just the acceptability, of the accounting
principles, the reasonableness of significant judgments, and the clarity of the disclosures in the financial statements.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>


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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">The Audit Committee has also reviewed with
ChoiceOne&#8217;s independent auditors &#8211; who are responsible for expressing an opinion on the conformity of those financial
statements with generally accepted accounting principles &#8211; the judgments of the independent auditors concerning the quality,
not just the acceptability, of the accounting principles and such other matters that are required under generally accepted auditing
standards to be discussed with the independent auditors. The Audit Committee has discussed with the independent auditors the matters
required to be discussed by Public Company Accounting Oversight Board Auditing Standard No. 16. In addition, the Audit Committee
has received from the independent auditors the written disclosures required by the applicable requirements of the Public Company
Accounting Oversight Board regarding the independent accountant&#8217;s communications with the Audit Committee concerning independence,
has discussed with them their independence from ChoiceOne&#8217;s management and ChoiceOne, and has considered the compatibility
of nonaudit services with their independence.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">After and in reliance on the reviews and
discussions described above, the Audit Committee recommended to ChoiceOne&#8217;s Board of Directors that the audited financial
statements for the year ended December 31, 2014 be included in ChoiceOne&#8217;s Annual Report on Form 10-K for the year then ended
to be filed with the SEC.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: right">Respectfully submitted,</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: right">Roxanne M. Page (Chair)</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: right">Keith D. Brophy</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: right; text-indent: 0.5in">K. Timothy Bull</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: right">Jack G. Hendon<BR>
<BR>
</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: right"><FONT STYLE="text-transform: uppercase"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"></P>

<P STYLE="font: bold 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">Related Matters&nbsp;</P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 0pt; margin-bottom: 0pt"><DIV STYLE="font-size: 1pt; border-top: Black 1px solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: bold 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>


<P STYLE="font: bold 12pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>Section 16(a) Beneficial Ownership Reporting
Compliance</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">Section 16(a) of the Securities Exchange
Act of 1934 requires directors and officers of ChoiceOne and persons who beneficially own more than 10% of the outstanding shares
of its common stock to file reports of beneficial ownership and changes in beneficial ownership of shares of common stock with
the SEC. SEC regulations require such persons to furnish ChoiceOne with copies of all Section 16(a) reports they file. Based solely
on our review of the copies of such reports received by us or written representations from certain reporting persons that no Forms
5 were required for those persons, we believe that all applicable Section 16(a) reporting and filing requirements were satisfied
by such persons from January 1, 2014 through December 31, 2014, except that one report on Form 4 covering one transaction was filed
late for Mr. Hendon.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>Transactions with Related Persons</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">Directors, nominees for director and executive
officers of ChoiceOne and members of their immediate families were customers of and had transactions with the Bank in the ordinary
course of business between January 1, 2014 and December 31, 2014. We anticipate that such transactions will take place in the future
in the ordinary course of business. All loans and commitments included in such transactions were made on substantially the same
terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with other persons
and did not involve more than the normal risk of collectibility or present other unfavorable features. None of these loan relationships
presently in effect were in default as of the date of this proxy statement.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">Frank G. Berris, a director of ChoiceOne
and the Bank, owns all of the equity interest of JFB Real Estate, LLC (&#8220;JFB&#8221;). In 2004, the Bank entered into a lease
with JFB for the portion of a building housing the Bank&#8217;s Appletree Branch for a period of three years, with options to extend
the lease for five additional three-year terms. The Bank exercised its option to extend the lease in 2007, 2010, and 2013. The
current term of the lease will expire on September 30, 2016 unless the Bank exercises its option to extend. The Bank is obligated
to make lease payments of $150,192 in the aggregate for the period beginning on October 1, 2013 and ending on September 30, 2016.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>


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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">The Audit Committee is responsible for
the review and approval of any transaction between the Company and any related person (as defined in Item 404 of Regulation S-K).</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>Independent Registered Public Accounting
Firm</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">Plante &amp; Moran, PLLC (&#8220;Plante
Moran&#8221;), has been selected to serve as ChoiceOne&#8217;s independent auditors for 2015. Plante Moran also served as ChoiceOne&#8217;s
independent auditors for 2014.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">Representatives of Plante Moran are not
expected to attend the annual meeting. If a representative of Plante Moran attends the meeting, the representative will have an
opportunity to make a statement if he or she desires to do so and will be expected to be available to respond to appropriate questions.
In accordance with SEC rules, ChoiceOne&#8217;s Audit Committee has adopted a Pre-Approval Policy. Under the Pre-Approval Policy,
all audit and non-audit services need to be pre-approved by the Audit Committee.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">The Pre-Approval Policy permits the Audit
Committee to delegate to one or more of its members pre-approval decisions. The member or members to whom such authority is delegated
shall report, for informational purposes, any pre-approval decisions to the Audit Committee at its next scheduled meeting.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">The Audit Committee has identified certain
services that do not impair the independence of the independent auditors and granted general pre-approval for those services. All
services that do not have general pre-approval must be specifically pre-approved by the Audit Committee. The Audit Committee will
periodically set pre-approval fee levels for all services to be provided by the independent auditors. Any proposed services exceeding
these levels require specific pre-approval by the Audit Committee.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">The Pre-Approval Policy requires the independent
auditors to provide detailed back-up documentation, which will be provided to the Audit Committee, regarding specific services
to be provided.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">Requests or applications to provide services
that require separate pre-approval by the Audit Committee will be submitted to the Audit Committee by both the independent auditors
and the Chief Executive Officer or Chief Financial Officer, and must include a joint statement as to whether, in their view, the
request or application is consistent with the SEC&#8217;s rules on auditor independence. All fees paid to Plante Moran for services
performed in 2013 and 2014 were pre-approved pursuant to this policy.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><I>Audit Fees</I>. ChoiceOne paid to Plante
Moran $97,900 during 2014 and $96,600 during 2013 for the audit of ChoiceOne&#8217;s annual financial statements and review of
financial statements included in ChoiceOne&#8217;s quarterly reports on Form 10-Q, or services that are normally provided by the
auditors in connection with statutory and regulatory filings.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><I>Audit-Related Fees</I>. ChoiceOne paid
to Plante Moran $6,000 during 2014 and $12,000 during 2013 for assurance and related services that were reasonably related to the
performance of the audit or review of ChoiceOne&#8217;s financial statements and are not reported under &#8220;Audit Fees&#8221;
above. Services included a HUD FHA audit in 2014 and 401(k) audit in 2013.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><I>Tax Fees</I>. ChoiceOne paid to Plante
Moran $13,500 during 2014 and $12,250 during 2013 for tax compliance, tax advice and tax planning. Tax services included preparing
ChoiceOne&#8217;s federal and state tax returns and fees for services performed related to the dissolution of West Shore Computer
Services, a data processing center in which ChoiceOne Bank is a 25% owner.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><I>All Other Fees</I>. ChoiceOne did not
pay Plante Moran any other fees in 2014. ChoiceOne paid to Plante Moran $5,000 in 2013 for consultation regarding an assessment
of the internal audit function. <FONT STYLE="background-color: yellow"> </FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"></P>


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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><B>Shareholder Proposals</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">If you would like a proposal to be presented
at the 2016 annual meeting of shareholders and if you would like your proposal to be considered for inclusion in ChoiceOne&#8217;s
proxy statement and form of proxy relating to that meeting, you must submit the proposal to ChoiceOne in accordance with Securities
and Exchange Commission Rule 14a-8. ChoiceOne must receive your proposal by November 14, 2015 for your proposal to be eligible
for inclusion in the proxy statement and form of proxy relating to that meeting. To be considered timely, any other proposal that
you intend to present at the 2016 annual meeting of shareholders must be submitted in accordance with ChoiceOne&#8217;s Bylaws
and must be received by ChoiceOne by November 14, 2015.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><B>Form 10-K Report Available</B></P>

<P STYLE="font: 10pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><B>ChoiceOne&#8217;s Form 10-K Annual Report
to the Securities and Exchange Commission, including financial statements and financial statement schedules, will be provided to
you without charge upon written request. Please direct your requests to Mr. Thomas L. Lampen, Treasurer, ChoiceOne Financial Services,
Inc., 109 East Division, Sparta, Michigan 49345.</B></P>

<P STYLE="font: 10pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><B>&nbsp;</B></P>




<P STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-size: 10pt">19</FONT></P>

<P STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

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<P STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
