<SEC-DOCUMENT>0001387131-17-002035.txt : 20170412
<SEC-HEADER>0001387131-17-002035.hdr.sgml : 20170412
<ACCEPTANCE-DATETIME>20170412140147
ACCESSION NUMBER:		0001387131-17-002035
CONFORMED SUBMISSION TYPE:	DEF 14A
PUBLIC DOCUMENT COUNT:		4
CONFORMED PERIOD OF REPORT:	20170524
FILED AS OF DATE:		20170412
DATE AS OF CHANGE:		20170412
EFFECTIVENESS DATE:		20170412

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:		17757716

	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>cofs-def14a_052417.htm
<DESCRIPTION>DEFINITIVE PROXY STATEMENT
<TEXT>
<HTML>
<HEAD>
<TITLE></TITLE>
</HEAD>
<BODY>
<!-- 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 -->

<P STYLE="margin: 0"></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"><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">
<TR STYLE="vertical-align: top">
    <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 Times New Roman, Times, Serif"></FONT>&#9746;</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 Times New Roman, Times, Serif"></FONT>&#9744;</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 Times New Roman, Times, Serif"></FONT>&#9744;</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 Times New Roman, Times, Serif"></FONT>&#9744;</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 Times New Roman, Times, Serif"></FONT>&#9746;</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 Times New Roman, Times, Serif"></FONT>&#9744;</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 Times New Roman, Times, Serif"></FONT>&#9744;</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">
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"></FONT>&#9746;</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%">&#9744;</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 Times New Roman, Times, Serif"></FONT>&#9744;</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 Times New Roman, Times, Serif"></FONT>&#9744;</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;</P>

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

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

<!-- Field: Page; Sequence: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<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="font: 12pt/normal Times New Roman, Times, Serif; margin: 0 0 24pt; text-align: center"><IMG SRC="cofs-def14a_img0001.jpg" ALT=""></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 4pt 0 24pt; 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 0 8pt; text-align: center">April 12, 2017</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">To our Shareholders:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; 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 0 8pt; text-align: center"><B>Moss Ridge Golf Club<BR>
13545 Apple Avenue<BR>
Ravenna, Michigan<BR>
May 24, 2017</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 4pt 0 8pt; 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 0 8pt; text-align: justify">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 0 8pt; text-align: justify">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. A light lunch and refreshments 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 0 8pt; text-align: justify"><B>Please be sure to sign, date
and return the enclosed proxy promptly whether or not you plan to attend the meeting.</B> A&nbsp;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 shareholders should sign proxies as their names appear on the proxy.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Shareholders of record at the
close of business on March 27, 2017 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 April&nbsp;12,&nbsp;2017.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 24pt; text-align: justify">We hope you will join us at the
2017 Annual Meeting. We look forward to seeing you there.</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 60%; font: 12pt/18pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD>
    <TD STYLE="width: 40%">
        <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt">Sincerely,</P>
        <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt"><IMG SRC="cofs-def14a_img002.jpg" ALT="" STYLE="height: 50px; width: 110px"></P>
        <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">Kelly J. Potes</P>
        <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">President and Chief Executive Officer</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 12pt/18pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>

<!-- Field: Page; Sequence: 2 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin: 4pt 0 8pt; text-align: center"><IMG SRC="cofs-def14a_img0001.jpg" ALT=""></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 4pt 0 8pt; 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 0 8pt; text-align: center">NOTICE OF ANNUAL MEETING OF SHAREHOLDERS</P>

<HR ALIGN="LEFT" NOSHADE STYLE="color: Black; width: 100%; height: 1pt; margin-top: 0; margin-bottom: 0">
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: center"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">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,
May 24, 2017, at 11:00 a.m. local time, for the following purposes:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">1.</TD><TD STYLE="text-align: justify">To elect four directors from among the nominees named in this proxy statement.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">2.</TD><TD STYLE="text-align: justify">Advisory approval of the Company&rsquo;s executive compensation.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">3.</TD><TD STYLE="text-align: justify">Ratification of the selection of Plante &amp; Moran, PLLC as our registered independent public
accounting firm for the current fiscal year.</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 8pt 0; text-align: justify">We will also transact any other
business that may properly come before the meeting.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Shareholders of record at the
close of business on March 27, 2017, 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 April&nbsp;12,&nbsp;2017.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify"><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 MAY 24, 2017:</B> A complete
set of proxy materials relating to our annual meeting and our annual report for the year ended December 31, 2016 are available
on the Internet at: www.choiceone.com/proxymaterials.</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 46%; font: 12pt/18pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD>
    <TD STYLE="width: 54%">
        <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt">By Order of the Board of Directors,</P>
        <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0;"><IMG SRC="cofs-def14a_img004.jpg" ALT=""></P>
        <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">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: 8pt 0 24pt; text-align: justify">April 12, 2017</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; border: Black 1pt solid; font: 12pt Times New Roman, Times, Serif; padding: 5.75pt; 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. 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>

<!-- Field: Page; Sequence: 3 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin: 8pt 0; text-align: center"><B>CHOICEONE FINANCIAL SERVICES,
INC. </B><BR>
109 East Division<BR>
Sparta, Michigan&nbsp;49345</P>

<P STYLE="font: bold 12pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: center">ANNUAL MEETING OF SHAREHOLDERS<BR>
<FONT STYLE="font-size: 10pt">MAY 24, 2017</FONT></P>

<P STYLE="font: bold 10pt/normal Times New Roman, Times, Serif; margin: 4pt 0 8pt; text-align: center">PROXY STATEMENT</P>

<P STYLE="font: bold 10pt/normal Times New Roman, Times, Serif; margin: 4pt 0 8pt; text-align: center; border-bottom: Black 2.25pt double">Meeting
Information</P>

<P STYLE="font: bold 10pt/normal Times New Roman, Times, Serif; margin: 4pt 0 8pt; text-align: left">Time and Place of Meeting</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">You are invited to attend the
annual meeting of shareholders of ChoiceOne Financial Services, Inc. that will be held on Wednesday, May 24, 2017, 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 0 8pt; text-align: justify">This proxy statement and the enclosed
proxy are first being mailed to ChoiceOne shareholders on approximately April 12, 2017, <B>in connection with the solicitation
of proxies by ChoiceOne&rsquo;s Board of Directors for use at the annual meeting</B>. In this proxy statement, &ldquo;we,&rdquo;
&ldquo;us,&rdquo; &ldquo;our,&rdquo; &ldquo;ChoiceOne&rdquo; and the &ldquo;Company&rdquo; refer to ChoiceOne Financial Services,
Inc. and &ldquo;you&rdquo; and &ldquo;your&rdquo; refer to ChoiceOne shareholders.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 4pt 0 8pt; text-align: justify"><B>Purpose of Meeting</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">The purpose of the annual meeting
is to consider and vote upon the election of directors, advisory approval of the compensation of the Company&rsquo;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&rsquo;s named executive officers,
and FOR ratification of the selection of auditors.</I></B></P>

<P STYLE="font: bold 10pt/normal Times New Roman, Times, Serif; margin: 4pt 0 8pt; text-align: justify">How to Vote Your Shares</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">You may vote at the meeting if
you were a shareholder of record of ChoiceOne common stock at the close of business on March&nbsp;27,&nbsp;2017. You are entitled
to one vote per share of ChoiceOne common stock that you own on each matter presented at the annual&nbsp;meeting.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">As of March 27, 2017, there were
3,280,896 shares of ChoiceOne common stock issued and outstanding.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Your shares will be voted at the
annual meeting if you properly sign and return to us the enclosed proxy. If you specify a choice, your proxy will be voted as specified.
<B>If you do not specify a choice, your shares will be voted &ldquo;FOR&rdquo; each nominee named in this proxy statement, &ldquo;FOR&rdquo;
approval of the compensation of the Company&rsquo;s named executive officers, and &ldquo;FOR&rdquo; ratification of the selection
of auditors. </B>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 0 8pt; text-align: justify">You may revoke your proxy at any
time before it is exercised by:</P>

<P STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin: 0 0 -11pt 0.75in; text-align: justify; text-indent: -0.25in"><FONT STYLE=" font-size: 10pt">&#149;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"></FONT></P>

<P STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt 0.75in; text-align: justify"><FONT STYLE="font-size: 10pt">delivering written notice of revocation to the Secretary of ChoiceOne prior to the meeting;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE=" font-size: 10pt">&#149;</FONT></TD><TD STYLE="text-align: justify"><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></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE=" font-size: 10pt">&#149;</FONT></TD><TD STYLE="text-align: justify"><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: 4pt 0 8pt; text-align: justify"><A NAME="a_Hlk478638053"></A>Who
Will Solicit Proxies</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Directors, officers and employees
of ChoiceOne and ChoiceOne Bank (referred to as the &ldquo;Bank&rdquo;) 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. ChoiceOne
will pay all expenses related to soliciting proxies.</P>


<!-- Field: Page; Sequence: 4 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%; font: 10pt Times New Roman, Times, Serif"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->1<!-- Field: /Sequence -->&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: bold 10pt/normal Times New Roman, Times, Serif; margin: 4pt 0 8pt; text-align: left">Required Vote and Quorum</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify"><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 0 8pt; text-align: justify"><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 0 8pt; text-align: justify"><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 0 8pt; text-align: justify"><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 0 8pt; text-align: justify"><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: bold 10pt/normal Times New Roman, Times, Serif; margin: 4pt 0 8pt; text-align: center; border-bottom: Black 2.25pt double"><A NAME="a_Hlk478638088"></A>Election
of Directors</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">The Board of Directors presently
consists of 12 individuals divided into three classes. Each class of directors is equal in number 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 0 8pt; text-align: justify">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 2020:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 4pt 0 8pt; text-align: center"><B>Keith D. Brophy<BR>
K. Timothy Bull<BR>
Jack G. Hendon<BR>
Dennis C. Nelson</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Each proposed nominee currently
serves as a director of ChoiceOne. 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 &ndash; which we do not anticipate&nbsp;&ndash; 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: bold 10pt/normal Times New Roman, Times, Serif; margin: 4pt 0 8pt; text-align: center; border-bottom: Black 2.25pt double">ChoiceOne&rsquo;s
Board of Directors and Executive Officers</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Biographical information is presented
below concerning the nominees for director, current directors whose term of office will continue after the annual meeting and ChoiceOne&rsquo;s
executive officers. The biographical information for each nominee and director includes the experiences, qualifications, attributes
or skills that caused the Governance and Nominating 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: 10pt/normal Times New Roman, Times, Serif; margin: 4pt 0 8pt; text-align: center; border-bottom: Black 0.5pt solid"><B>Nominees
for Election as Directors with Terms Expiring in 2020</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 7pt; text-align: justify"><B>Keith D. Brophy</B> (age 54)
was appointed a director of ChoiceOne and the Bank in October 2014. Mr. Brophy was named State Director and Chief Executive Officer
of the Michigan Small Business Development Center in March 2015. He previously was the Chief Executive Officer of Ideomed, Inc.,
a health care technology firm, until February 2015, held executive positions with RCM Technologies and Nusoft Solutions, and was
co-founder and Chief Executive Officer of technology firm Sagestone Consulting prior to that. Mr. Brophy also serves as a director
of Greatland Corporation, the Grand Rapids SmartZone Local Finance Development Authority, Frederick Meijer Gardens and Sculpture
Park, and West Michigan Center for Arts and Technology. Mr. Brophy serves on advisory boards for the University of Michigan MTrak Life
Sciences Fund and the University of Michigan Monroe-Brown Biomedical Seed Fund, Trivalent, and Now Turn LLC. He is a member and
owner in Life Touch 2 LLC, and previously served on other for-profit and non-profit boards in the community, including the advisory
board to the State of Michigan Small Business Development Center. Mr. Brophy is qualified for service as a continuing director
by virtue of his entrepreneurial, technology, and executive experience.</P>


<!-- Field: Page; Sequence: 5 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%; font: 10pt Times New Roman, Times, Serif"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->2<!-- Field: /Sequence -->&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><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 0 7pt; text-align: justify"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 7pt; text-align: justify"><B>K. Timothy Bull </B>(age 69)
has been a director of ChoiceOne and the Bank since the merger of ChoiceOne and Valley Ridge Financial Corp. (&ldquo;Valley Ridge&rdquo;)
in 2006 and, prior to that, was a director of Valley Ridge and Valley Ridge Bank and/or Kent City State Bank since 1993 and was
also a director of Valley Ridge and Kent City State Bank from 1988 until 1991. Mr. Bull is President and sole shareholder of Moon
Lake Orchards, Inc., a fruit producer. Mr. Bull has over 25 years of experience as a director of a bank or bank holding company.
Mr. Bull is qualified for service as a continuing director by virtue of his substantial entrepreneurial, agricultural, and executive
experience.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 7pt; text-align: justify"><B>Jack G. Hendon </B>(age 61)
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 HS&amp;C Group LLC, H&amp;S Plaza LLC, H&amp;S Land Company LLC, and Brite Eyes Brewing LLC.
Mr. Hendon has been a director of ChoiceOne and the Bank since August 2013. Mr. Hendon is a former director and audit committee
chair of Fremont Michigan Insuracorp, which was a Securities and Exchange Commission (&ldquo;SEC&rdquo;) reporting company. Mr.
Hendon is qualified for service as a continuing director by virtue of his substantial accounting and finance expertise and experience
and his experience as a director of an SEC reporting company.</P>

<P STYLE="font: italic 10pt/normal Times New Roman, Times, Serif; margin: 0 0 16pt; text-align: justify"><FONT STYLE="font-style: normal"><B>Dennis
C. Nelson </B>(age 68) 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 State Bank and The Grant State Bank (&ldquo;Grant&rdquo;)
to form Valley Ridge Bank (the &ldquo;Consolidation&rdquo;), a director of Valley Ridge since it merged with Community Bank Corporation
(&ldquo;Community&rdquo;) on July&nbsp;1, 1996 (the &ldquo;Valley Ridge/Community Merger&rdquo;) and a director of Community and/or
Grant, the subsidiary bank of Community, from 1985 until the Valley Ridge/Community Merger and the Consolidation. Dr. Nelson is
a practicing doctor of dental surgery, president of Nelson &amp; Nelson DDS, PLC, and owner of NAR Properties. Dr. Nelson is qualified
for service as a continuing director by virtue of his more than 30 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&nbsp;accounting.</FONT></P>

<P STYLE="font: italic 10pt/normal Times New Roman, Times, Serif; margin: 4pt 0 8pt; text-align: center"><B>Your Board of Directors
and Governance and Nominating Committee, which consists entirely of independent directors, recommend that you vote FOR the election
of all nominees as directors.</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 4pt 0 8pt; text-align: center; border-bottom: Black 0.5pt solid"><B>Continuing
Directors with Terms Expiring in 2019</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 6pt; text-align: justify"><B>Frank G. Berris </B>(age 69)
is Chief Executive Officer 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.<A NAME="a_Hlk477512659"></A></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 6pt; text-align: justify"><B>Raymond A. Lanning</B> (age
50) 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, 721 Ottawa LLC, Fortieth Street Ventures LLC, I-7 Ionia LLC, Lofts on Michigan LLC, 89 Monroe Investors
LLC, Liberty Insurance Agency, Inc, BZ Ventures LLC, Meadowbrook II LLC, and Chiropractic Partners LLC, and former owner of 140
Monroe Properties LLC. 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&nbsp;experience.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 6pt; text-align: justify"><B>Nels W. Nyblad </B>(age 63)
owns Nels Nyblad Family Farm LLC. Mr. Nyblad is also a director of Nyblad Orchards, Inc., Rossroy Enterprises, Nyblad Properties
Grand Traverse, LLC, and Nyblad Farms, and former director of Michigan Agricultural Cooperative Marketing Association, Inc. and
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: bold 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5.5pt; text-align: justify">Kelly J. Potes <FONT STYLE="font-weight: normal">(age
55) has been the Chief Executive Officer of ChoiceOne and the Bank since June 1, 2016 as well as the President and a director of
ChoiceOne and the Bank since June 2015. Mr. Potes has served as President of ChoiceOne Insurance Agencies, Inc. since June 2016,
and formerly served as Senior Vice President and General Manager of ChoiceOne Insurance Agencies, Inc. from January 2001 until
June 2016 and Senior Vice President of the Bank from January 2011 until June 2015. 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 West Shore Computer Services, Inc., a data processing company in which
the Bank owns a 25% interest, since June 2016. He is a director of ChoiceOne Insurance Agencies, Inc., Sparta Downtown Development
Authority, Wolverine World Wide YMCA, West Michigan United Methodist Church Board of Pension and Health, and Michigan Community
Bankers Service Company. Mr.&nbsp;Potes formerly served as a Trustee of the Sparta Board of Education. Mr. Potes is qualified for
service as a continuing director by virtue of his extensive knowledge and expertise regarding ChoiceOne&rsquo;s markets, competitors,
customers, employees, business operations and strategies.</FONT></P>


<!-- Field: Page; Sequence: 6 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%; font: 10pt Times New Roman, Times, Serif"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->3<!-- Field: /Sequence -->&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><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: 4pt 0 8pt; text-align: center; border-bottom: Black 0.5pt solid"><B>Continuing
Directors with Terms Expiring in 2018</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify"><B>James A. Bosserd </B>(age 67)
has been a director of ChoiceOne and the Bank since he was appointed to those boards in April 2001. Mr. Bosserd served as Chief
Executive Officer of ChoiceOne and the Bank from April 2001 until his retirement on June 1, 2016, and served as President of ChoiceOne
and the Bank from April 2001 to June 2015. Mr. Bosserd was President of ChoiceOne Insurance Agencies, Inc. from April 2001 until
June 2016. 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 was a director of West Shore Computer Services, Inc., a data processing
company in which the Bank owns a 25% interest, from February 2002 until June 2016. Mr. Bosserd is a director of the United Methodist
Finance Authority and Howard Christensen Nature Center. He is a former director of the MACB Service Corporation, Meadowlark Advisory
Board, Michigan FFA Foundation, Sparta United Methodist Church Board, Michigan Bankers Association, Sparta Downtown Development
Authority, Wolverine World Wide YMCA, and Community Bankers of Michigan (CBM, formerly MACB), and a former member of Sparta United
Methodist Church audit committee and CBM&rsquo;s audit and compensation committees. Mr. Bosserd has over 24 years of experience
serving in senior executive positions at West Michigan banks, including service as ChoiceOne&rsquo;s President for fourteen years
and Chief Executive Officer for fifteen years. Mr. Bosserd is qualified for service as a continuing director by virtue of his extensive
knowledge and expertise regarding ChoiceOne&rsquo;s markets, competitors, customers, employees, business operations and strategies.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify"><B>William F. Cutler, Jr. </B>(age
69) 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 is a former partner in Reds Associates LLC and former Managing Partner and General Manager of Reds on the River LLC. Mr.
Cutler&rsquo;s qualifications as a director include over two decades of business management experience, including service on the
board of ChoiceOne and the Bank for 23 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 0 8pt; text-align: justify"><B>Paul L. Johnson </B>(age 67)
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. Mr.&nbsp;Johnson has been a director of ChoiceOne Insurance Agencies,
Inc. from November 2000 through December 2006. Mr. Johnson is qualified for service as a continuing director by virtue of his extensive
business and entrepreneurial experience and skills, including seventeen years of experience as a director of ChoiceOne and the
Bank. Mr. Johnson also has significant knowledge of and experience with the markets and customers that we serve.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify"><B>Roxanne M. Page</B> (age 47)
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. <A NAME="a_cp_text_1_7"></A> 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: 10pt/normal Times New Roman, Times, Serif; margin: 4pt 0 8pt; text-align: center; border-bottom: Black 0.5pt solid"><B>Executive
Officers who are not Directors</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 7pt; text-align: justify"><B>Lee A. Braford</B> (age 56)
has been a Senior Vice President since January 2012, a Vice President of the Bank in Business Development since September 2001,
and an executive officer since January 2011. He currently serves as Chief Credit Officer. 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 0 7pt; text-align: justify"><B>Sheila R. Clark </B>(age 61)
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,
currently as its Treasurer, and Mid-Michigan Banking Group, previously as its President.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 7pt; text-align: justify"><B>Adom J. Greenland</B> (age
36), a Certified Public Accountant, has been a Senior Vice President of the Bank since November 2015 and a Vice President of the
Bank since 2013. Prior to his employment with ChoiceOne, Mr. Greenland was a Senior Manager with PricewaterhouseCoopers, a global
accounting and consulting firm.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 7pt; text-align: justify"><B>Bradley A. Henion</B> (age
47) has been a Senior Vice President and Chief Lending Officer of the Bank since November 2015. Prior to his employment with ChoiceOne,
Mr. Henion was Market President of First Community Bank, formerly Select Bank, in Grand Rapids, Michigan. Prior to that, he worked
with Greenstone Farm Credit Services and Bank of America, formerly LaSalle Bank.<A NAME="a_Hlk477512653"></A></P>


<!-- Field: Page; Sequence: 7 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%; font: 10pt Times New Roman, Times, Serif"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->4<!-- Field: /Sequence -->&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><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 0 7pt; text-align: justify"><B>Mary J. Johnson</B> (age 53)
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 0 8pt; text-align: justify"><B>Thomas L. Lampen</B> (age 61),
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. Prior to his employment with ChoiceOne, Mr. Lampen was employed by Grant Thornton, a national
accounting firm.</P>

<P STYLE="font: bold 10pt/normal Times New Roman, Times, Serif; margin: 4pt 0 8pt; text-align: center; border-bottom: Black 2.25pt double">Advisory
Approval of Executive Compensation</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 7pt; text-align: justify">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&rsquo;s named executive officers as disclosed in this proxy statement pursuant to the SEC&rsquo;s compensation disclosure
rules. The Company has designed its executive compensation programs to attract, motivate, reward and retain senior management talent,
and to encourage senior management 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&rsquo;s named executive officers. The Personnel and Benefits Committee believes that the Company&rsquo;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&rsquo;s short-term and long-term strategic objectives. The
Personnel and Benefits Committee believes that the Company&rsquo;s compensation programs strike an appropriate balance between
incentivizing growth while not encouraging excessive risk-taking. For these reasons, we are recommending that our shareholders
vote &ldquo;FOR&rdquo; the adoption of the following resolution:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0.5in 7pt; text-align: justify">RESOLVED, that the shareholders
of ChoiceOne Financial Services, Inc. (the &ldquo;Company&rdquo;) approve the compensation of the Company&rsquo;s named executive
officers, as disclosed in the Company&rsquo;s proxy statement for the 2017 Annual Meeting of Shareholders under the heading entitled
&ldquo;Executive Compensation.&rdquo;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 7pt; text-align: justify">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 0 7pt; text-align: justify">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 0 16pt; text-align: justify">The Company&rsquo;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 2018 annual meeting of shareholders.</P>

<P STYLE="font: italic 10pt/normal Times New Roman, Times, Serif; margin: 4pt 0 8pt; text-align: center"><B>Your Board of Directors
and Personnel and Benefits Committee, which consists entirely of independent directors, recommend that you vote FOR the approval
of the compensation of the Company&rsquo;s named executive officers.</B></P>

<P STYLE="font: bold 10pt/normal Times New Roman, Times, Serif; margin: 4pt 0 8pt; text-align: center; border-bottom: Black 2.25pt double">Ratification
of the Selection of Independent Registered Public Accounting Firm</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">ChoiceOne&rsquo;s Audit and Compliance/CRA
Committee (&ldquo;Audit Committee&rdquo;) has approved the selection of Plante &amp; Moran, PLLC as the Company&rsquo;s independent
registered public accounting firm to audit the financial statements of ChoiceOne and its subsidiaries for 2017, 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&rsquo;s independent
auditors for the year ending December 31, 2017. More information concerning the relationship of the Company with its independent
auditors appears below under the headings &ldquo;Audit Committee,&rdquo; &ldquo;Independent Registered Public Accounting Firm,&rdquo;
and &ldquo;Audit Committee Report.&rdquo;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 16pt; text-align: justify">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/normal Times New Roman, Times, Serif; margin: 4pt 0 8pt; text-align: center"><B><I>Your Board of Directors
and Audit Committee, which consists entirely of independent directors, recommend that you vote FOR ratification of the selection
of Plante &amp; Moran, PLLC as our independent auditors for 2017.</I></B></P>


<!-- Field: Page; Sequence: 8 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%; font: 10pt Times New Roman, Times, Serif"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->5<!-- Field: /Sequence -->&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: bold 10pt/normal Times New Roman, Times, Serif; margin: 4pt 0 8pt; text-align: center; border-bottom: Black 2.25pt double">Corporate
Governance</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 4pt 0 8pt; text-align: left"><B>Independence</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">The Board of Directors has determined
that the following 10 of its 12 directors are &ldquo;independent&rdquo; directors as defined by the rules of the SEC and the Nasdaq
Listing Rules:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt 0.5in; text-align: justify">Frank G. Berris<BR>
Keith D. Brophy<BR>
K. Timothy Bull<BR>
William F. Cutler, Jr.<BR>
Jack G. Hendon<BR>
Paul L. Johnson<BR>
Raymond A. Lanning<BR>
Dennis C. Nelson<BR>
Nels W. Nyblad<BR>
Roxanne M. Page</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">In making this determination,
the Board of Directors considered all ordinary course loan and other business transactions between the directors and ChoiceOne<A NAME="a_cp_text_1_9"></A>.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 4pt 0 8pt; 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: justify; text-indent: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
Board of Directors has established the following five standing committees:</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt">                                                                                                                                               <TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#149;</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Audit
                              and Compliance/CRA Committee</FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#149;</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Executive
                                         and Loan Review Committee </FONT></TD></TR>                                                                                                                                                                                                                            <TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>

<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#149;</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governance
                                         and Nominating Committee</FONT></TD></TR>                                                                                                                                                                                                                           <TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>

<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#149;</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Personnel
                                         and Benefits Committee</FONT></TD></TR>                                                                                                                                                                                                                        <TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>

<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&#149;</FONT></TD><TD STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Asset/Liability
                                         and Risk Committee</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 8pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Audit
and Compliance/CRA Committee. </I>The Audit Committee 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 accounting
firm and reviews its fees for audit and non-audit services and the scope and results of audits performed by it. The Audit Committee
also reviews ChoiceOne&rsquo;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&rsquo;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 &ldquo;independent&rdquo; 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 five times during 2016.</FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify"><I>Executive and Loan Review Committee</I>.
The Executive and Loan Review Committee reviews all aspects of the Bank&rsquo;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. The Executive and Loan Review Committee met fourteen times
during 2016.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify"></P>


<!-- Field: Page; Sequence: 9 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%; font: 10pt Times New Roman, Times, Serif"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->6<!-- Field: /Sequence -->&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><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 0 8pt; text-align: justify"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify"><I>Governance and Nominating
Committee</I>. The Governance and Nominating Committee administers the process of nominations for directorships and coordinates
ChoiceOne&rsquo;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&rsquo;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 &ldquo;independent&rdquo; 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. 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&rsquo;s shareholders to perform the functions and fulfill the responsibilities charged to the committee under its
charter<I>. </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 2016.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify"><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: 12pt/normal Times New Roman, Times, Serif; margin: 0 0 -11pt 0.75in; text-align: justify; text-indent: -0.25in"><FONT STYLE=" font-size: 10pt">&#149;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>

<P STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt 0.75in; text-align: justify"><FONT STYLE="font: 7pt Times New Roman, Times, Serif"></FONT><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></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE=" font-size: 10pt">&#149;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">Administers the equity plans of ChoiceOne that are approved by the
Board of Directors;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE=" font-size: 10pt">&#149;</FONT></TD><TD STYLE="text-align: justify"><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></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE=" font-size: 10pt">&#149;</FONT></TD><TD STYLE="text-align: justify"><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></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE=" font-size: 10pt">&#149;</FONT></TD><TD STYLE="text-align: justify"><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></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE=" font-size: 10pt">&#149;</FONT></TD><TD STYLE="text-align: justify"><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 for recommendation to the Board of Directors; and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE=" font-size: 10pt">&#149;</FONT></TD><TD STYLE="text-align: justify"><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&rsquo;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&rsquo;s Chief Executive Officer in past years.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 8pt 0; text-align: justify">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&rsquo;s website at www.choiceone.com. All of the
members of the Personnel and Benefits Committee are &ldquo;independent&rdquo; directors as defined by the rules of the SEC and
the 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. Kelly J. Potes 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. 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&rsquo;s shareholders
to perform the functions and fulfill the responsibilities charged to the committee under its charter. 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. 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 2016.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify"><I>Asset/Liability and Risk Committee</I>.
The Asset/Liability and Risk Committee oversees and assesses the adequacy of the Company&rsquo;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&rsquo;s
risk management profile and obtaining reasonable assurance of adherence to the Company&rsquo;s risk management policies. The committee
reviews and approves the Company&rsquo;s policies, plans and programs relating to risk management, and monitors the effectiveness
of the Company&rsquo;s risk management programs. The Asset/Liability and Risk Committee operates pursuant to a written charter,
which was adopted by the Board of Directors. A current copy of the Asset/Liability and Risk Committee charter can be found in the
Investor Relations section of ChoiceOne&rsquo;s website at www.choiceone.com. As of the date of this proxy statement, K. Timothy
Bull (Chairman), James A. Bosserd, Raymond A. Lanning, Dennis C. Nelson, and Roxanne M. Page serve on the Asset/Liability and Risk
Committee. 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. The Asset/Liability and Risk Committee has authority to engage consultants, advisors and legal counsel at the expense
of the Company. The Asset/Liability and Risk Committee met four times during 2016.</P>


<!-- Field: Page; Sequence: 10 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%; font: 10pt Times New Roman, Times, Serif"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->7<!-- Field: /Sequence -->&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><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: 4pt 0 8pt; text-align: justify"><B>Board Leadership Structure
and Role in Risk Oversight</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">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&rsquo;s shareholders.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">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 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&rsquo;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: bold 10pt/normal Times New Roman, Times, Serif; margin: 4pt 0 8pt; text-align: justify">Nominations of Directors</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">The Governance and Nominating
Committee will consider director candidates recommended by shareholders, directors, officers, third party search firms and other
sources. The Governance and Nominating Committee will ultimately determine whether a recommendation will result in a nomination.
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: 12pt/normal Times New Roman, Times, Serif; margin: 0 0 -11pt 0.75in; text-align: justify; text-indent: -0.25in"><FONT STYLE=" font-size: 10pt">&#149;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>

<P STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt 0.75in; text-align: justify"><FONT STYLE="font: 7pt Times New Roman, Times, Serif"></FONT><FONT STYLE="font-size: 10pt">be chosen without regard to sex, race, religion or national origin;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE=" font-size: 10pt">&#149;</FONT></TD><TD STYLE="text-align: justify"><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&nbsp;others;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE=" font-size: 10pt">&#149;</FONT></TD><TD STYLE="text-align: justify"><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></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE=" font-size: 10pt">&#149;</FONT></TD><TD STYLE="text-align: justify"><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></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE=" font-size: 10pt">&#149;</FONT></TD><TD STYLE="text-align: justify"><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;&nbsp;and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE=" font-size: 10pt">&#149;</FONT></TD><TD STYLE="text-align: justify"><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: 10pt/normal Times New Roman, Times, Serif; margin: 8pt 0; text-align: justify"><A NAME="a_cp_text_1_11"></A>A shareholder
may nominate a candidate for director in accordance with ChoiceOne&rsquo;s Restated Articles of Incorporation. A&nbsp;shareholder
nominating a director must send a written notice to the Secretary of ChoiceOne that sets forth with respect to each proposed&nbsp;nominee:</P>

<P STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin: 0 0 -11pt 0.75in; text-align: justify; text-indent: -0.25in"><FONT STYLE=" font-size: 10pt">&#149;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 7pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"></FONT></P>

<P STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt 0.75in; text-align: justify"><FONT STYLE="font-size: 10pt">the name, age, business address and residence address of the nominee;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE=" font-size: 10pt">&#149;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">the principal occupation or employment of the nominee;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE=" font-size: 10pt">&#149;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">the number of shares of common stock of ChoiceOne that the nominee
beneficially owns;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE=" font-size: 10pt">&#149;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">a statement that the nominee is willing to be nominated and to serve;
and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE=" font-size: 10pt">&#149;</FONT></TD><TD STYLE="text-align: justify"><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: 8pt 0; text-align: justify">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: bold 10pt/normal Times New Roman, Times, Serif; margin: 4pt 0 8pt; text-align: justify; border: white 1pt solid">Anti-Hedging
Policy</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-weight: normal">Our
anti-hedging policy aligns the interests of our directors and executive officers with our shareholders. The policy prohibits our
directors and executive officers from purchasing any instrument or entering into any transaction that is designed to hedge or offset
any decrease in the market value of ChoiceOne&rsquo;s common stock, including short-selling, equity swaps, collars, exchange funds,
put or call options, or prepaid variable forward contracts.</FONT></P>

<P STYLE="font: bold 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Board Meetings and Attendance</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">During 2016, the ChoiceOne Board
of Directors held twelve regular meetings and no special meetings. 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 periods that they served.</P>


<!-- Field: Page; Sequence: 11 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%; font: 10pt Times New Roman, Times, Serif"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->8<!-- Field: /Sequence -->&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><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: 4pt 0 8pt; text-align: justify"><B>Annual Meeting Attendance</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">ChoiceOne expects all of its directors
to attend its annual meeting of shareholders. All directors attended the 2016 annual&nbsp;meeting.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 4pt 0 8pt; text-align: justify"><B>Communicating with the Board
of Directors</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Shareholders and interested parties
may communicate with members of ChoiceOne&rsquo;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: bold 10pt/normal Times New Roman, Times, Serif; margin: 4pt 0 8pt; text-align: center; border-bottom: Black 2.25pt double">Ownership
of ChoiceOne Common Stock<A NAME="a_Hlk478644883"></A></P>

<P STYLE="font: bold 10pt/normal Times New Roman, Times, Serif; margin: 4pt 0 8pt">Ownership of ChoiceOne Stock by Directors and
Executive Officers</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">The following table sets forth
information concerning the number of shares of ChoiceOne common stock held as of December&nbsp;31, 2016, by each of ChoiceOne&rsquo;s
directors and nominees for director, each of the named executive officers and all of ChoiceOne&rsquo;s directors, nominees for
director and executive officers as a group:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 12pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="15" STYLE="font-size: 8pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt"><B>Amount and Nature of</B></FONT><BR> <FONT STYLE="font-size: 8pt"><B>Beneficial Ownership of Common Stock<SUP>(1)</SUP></B></FONT></TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 8pt; font-weight: bold; text-align: left; border-bottom: Black 1pt solid">Name of Beneficial Owner</TD><TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-size: 8pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Sole Voting<BR> and<BR> Dispositive<BR> Power</TD><TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-size: 8pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt"><B>Shared</B></FONT><BR> <FONT STYLE="font-size: 8pt"><B>Voting or</B></FONT><BR> <FONT STYLE="font-size: 8pt"><B>Dispositive</B></FONT><BR> <FONT STYLE="font-size: 8pt"><B>Power<SUP>(2)</SUP></B></FONT></TD><TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-size: 8pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Shares<BR> Underlying<BR> Unexercised<BR> Options</TD><TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-size: 8pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt"><B>Total</B></FONT><BR> <FONT STYLE="font-size: 8pt"><B>Beneficial</B></FONT><BR> <FONT STYLE="font-size: 8pt"><B>Ownership<SUP>(3)</SUP></B></FONT></TD><TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-size: 8pt; 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%; font-size: 10pt; text-align: left; text-indent: -0.25in; padding-left: 0.25in">Frank G. Berris </TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="width: 9%; font-size: 10pt; text-align: right">56,284</TD><TD STYLE="width: 1%; font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="width: 9%; font-size: 10pt; text-align: right">3,932</TD><TD STYLE="width: 1%; font-size: 10pt; 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%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="width: 9%; font-size: 10pt; text-align: right">60,216</TD><TD STYLE="width: 1%; font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="width: 9%; font-size: 10pt; text-align: right">1.8</TD><TD STYLE="width: 1%; font-size: 10pt; text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left; text-indent: -0.25in; padding-left: 0.25in">James A. Bosserd </TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">8,056</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">13,660</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">8,000</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">29,716</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 10pt">*</FONT></TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left; text-indent: -0.25in; padding-left: 0.25in">Keith D. Brophy </TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">2,700</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">1,031</TD><TD STYLE="font-size: 10pt; 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 STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">3,731</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 10pt">*</FONT></TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left; text-indent: -0.25in; padding-left: 0.25in">K. Timothy Bull </TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">64,575</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">4,102</TD><TD STYLE="font-size: 10pt; 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 STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">68,677</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">2.1</TD><TD STYLE="font-size: 10pt; text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left; text-indent: -0.25in; padding-left: 0.25in">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 STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">62,190</TD><TD STYLE="font-size: 10pt; 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 STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">62,190</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">1.9</TD><TD STYLE="font-size: 10pt; text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left; text-indent: -0.25in; padding-left: 0.25in">Jack G. Hendon </TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">7,098</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">1,842</TD><TD STYLE="font-size: 10pt; 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 STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">8,663</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 10pt">*</FONT></TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left; text-indent: -0.25in; padding-left: 0.25in">Paul L. Johnson </TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">4,331</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">45,895</TD><TD STYLE="font-size: 10pt; 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 STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">50,226</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">1.5</TD><TD STYLE="font-size: 10pt; text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left; text-indent: -0.25in; padding-left: 0.25in">Raymond A. Lanning </TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">28,043</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">700</TD><TD STYLE="font-size: 10pt; 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 STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">28,743</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 10pt">*</FONT></TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left; text-indent: -0.25in; padding-left: 0.25in">Dennis C. Nelson </TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">5,202</TD><TD STYLE="font-size: 10pt; 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 STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">5,202</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 10pt">*</FONT></TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left; text-indent: -0.25in; padding-left: 0.25in">Nels W. Nyblad </TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">13,896</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">15,752</TD><TD STYLE="font-size: 10pt; 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 STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">29,648</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 10pt">*</FONT></TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left; text-indent: -0.25in; padding-left: 0.25in">Roxanne M. Page </TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">1,055</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">1,745</TD><TD STYLE="font-size: 10pt; 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 STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">2,800</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 10pt">*</FONT></TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left; text-indent: -0.25in; padding-left: 0.25in">Kelly J. Potes </TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">2,891</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">12,461</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">9,000</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">24,352</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 10pt">*</FONT></TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left; text-indent: -0.25in; padding-left: 0.25in">Bradley A. Henion </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 STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">2,000</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">2,000</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 10pt">*</FONT></TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left; text-indent: -0.25in; padding-left: 0.25in">Lee A. Braford </TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">126</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">2,045</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">2,000</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">4,171</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 10pt">*</FONT></TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -0.25in; padding-left: 0.25in">&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: White">
    <TD STYLE="font-size: 10pt; text-align: left; text-indent: -0.25in; padding-left: 0.25in">All directors, nominees
    for&nbsp;director and&nbsp;executive officers as a group  </TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">202,186</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">224,334</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">30,000</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">456,520</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">13.9</TD><TD STYLE="font-size: 10pt; text-align: left">%</TD></TR>
</TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 5in 4pt 0; text-align: left">___________</P>

<P STYLE="font: 8pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-right: 0; margin-bottom: -10pt; border: white 1pt solid; text-align: left; text-indent: 0in">* </P>

<P STYLE="font: 8pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt 0.25in; text-align: left; text-indent: 0in">Less
than 1%.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 8pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(1)</TD><TD STYLE="text-align: justify">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.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 8pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(2)</TD><TD STYLE="text-align: justify">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.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 8pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(3)</TD><TD STYLE="text-align: justify">Total beneficial ownership includes 24,493 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.
Of the 24,493 shares of ChoiceOne common stock in this plan, the directors and executive officers have included 8,112 shares in
this table as beneficially owned with sole voting and dispositive power. The remaining 16,381 shares are reported as beneficially
owned with shared voting or dispositive power and the officers and directors disclaim beneficial ownership of such shares.<A NAME="a_cp_text_2_13"></A></TD></TR></TABLE>

<P STYLE="font: bold 10pt/normal Times New Roman, Times, Serif; margin: 4pt 0 8pt">Five Percent Shareholders</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">No person or group is known to
ChoiceOne to be a beneficial owner of 5% or more of ChoiceOne&rsquo;s outstanding shares of common stock as of December 31, 2016.</P>


<!-- Field: Page; Sequence: 12 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%; font: 10pt Times New Roman, Times, Serif"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->9<!-- Field: /Sequence -->&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: bold 10pt/normal Times New Roman, Times, Serif; margin: 4pt 0 8pt; text-align: center; border-bottom: Black 2.25pt double">Executive
Compensation</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 4pt 0 8pt; text-align: left"><B>Summary of Executive Compensation</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify; border: white 1pt solid">The following
table shows certain information concerning the compensation earned by each person who served as the Chief Executive Officer during
the fiscal year ended December 31, 2016 and each of ChoiceOne&rsquo;s two most highly compensated executive officers other than
the persons who served as Chief Executive Officer who were serving as executive officers as of the fiscal year ended December 31,
2016 (together, the &ldquo;named executive officers&rdquo;).<A NAME="a_Hlk478645020"></A></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 4pt 0 8pt; text-align: center"><B>SUMMARY COMPENSATION TABLE</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 12pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 8pt; font-weight: bold; text-align: left; border-bottom: Black 1pt solid">Name and<BR> Principal Position</TD><TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-size: 8pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Year</TD><TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-size: 8pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt"><B>Salary</B></FONT><BR> <FONT STYLE="font-size: 8pt"><B><SUP>(1)(2)</SUP></B></FONT></TD><TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-size: 8pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt"><B>Stock Awards</B></FONT><BR> <FONT STYLE="font-size: 8pt"><B><SUP>(3)</SUP></B></FONT></TD><TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-size: 8pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt"><B>Option Awards</B></FONT><BR> <FONT STYLE="font-size: 8pt"><B><SUP>(4)</SUP></B></FONT><A NAME="a_cp_text_2_15"></A></TD><TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-size: 8pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt"><B>Non-equity Incentive Plan Compensation</B></FONT><BR> <FONT STYLE="font-size: 8pt"><B><SUP>(5)</SUP></B></FONT></TD><TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-size: 8pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">All Other<BR> Compensation</TD><TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-size: 8pt; 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 NOWRAP STYLE="font-size: 10pt; text-align: left; text-indent: -0.25in; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">James A. Bosserd</FONT><BR> <FONT STYLE="font-size: 10pt">Chief Executive<BR>
Officer of ChoiceOne<BR>
and Bank</FONT><A NAME="a_cp_text_1_16"></A><FONT STYLE="font-size: 10pt"><SUP>(6)</SUP></FONT></TD><TD NOWRAP STYLE="font-size: 10pt">&nbsp;</TD>
    <TD NOWRAP STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD NOWRAP STYLE="font-size: 10pt; text-align: center; vertical-align: top"><P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">2016</P> <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">2015</P> <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top"><P STYLE="margin-top: 0; margin-bottom: 0">$</P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0">$</P></TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top"><P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"> 175,435</P> <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"> 295,900</P> <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top"><P STYLE="margin-top: 0; margin-bottom: 0">$</P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0">$</P></TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top"><P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">14,220</P> <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">13,800</P> <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top"><P STYLE="margin-top: 0; margin-bottom: 0">$</P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0">$</P></TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top"><P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">0</P> <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">28,320</P></TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top"><P STYLE="margin-top: 0; margin-bottom: 0">$</P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0">$</P></TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top"><P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">30,000</P> <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">35,000</P></TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top"><P STYLE="margin-top: 0; margin-bottom: 0">$</P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0">$</P></TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top"><P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">9,225</P> <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">18,198</P> <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top"><P STYLE="margin-top: 0; margin-bottom: 0">$</P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0">$</P></TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top"><P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">228,880</P> <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">391,218</P> <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD NOWRAP STYLE="font-size: 10pt; text-align: left; text-indent: -0.25in; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Kelly J. Potes</FONT><BR> <FONT STYLE="font-size: 10pt">President and Chief<BR>
Executiv</FONT><A NAME="a_cp_text_1_17"></A><FONT STYLE="font-size: 10pt">e Officer</FONT><BR> <FONT STYLE="font-size: 10pt">of ChoiceOne<BR>
and&nbsp;Bank<SUP>(7)</SUP></FONT></TD><TD NOWRAP STYLE="font-size: 10pt">&nbsp;</TD>
    <TD NOWRAP STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD NOWRAP STYLE="font-size: 10pt; text-align: center; vertical-align: top"><P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">2016</P> <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">2015</P> <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top"><P STYLE="margin-top: 0; margin-bottom: 0">$</P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0">$</P></TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top"><P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"> 231,439</P> <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"> 198,503</P> <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top"><P STYLE="margin-top: 0; margin-bottom: 0">$</P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0">$</P></TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top"><P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">14,220</P> <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">13,800</P> <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top"><P STYLE="margin-top: 0; margin-bottom: 0">$</P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0">$</P></TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top"><P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">0</P> <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">28,320</P></TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top"><P STYLE="margin-top: 0; margin-bottom: 0">$</P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0">$</P></TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top"><P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">20,000</P> <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">10,700</P></TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top"><P STYLE="margin-top: 0; margin-bottom: 0">$</P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0">$</P></TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top"><P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">15,424</P> <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">10,420</P> <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top"><P STYLE="margin-top: 0; margin-bottom: 0">$</P>
                                                                               <P STYLE="margin-top: 0; margin-bottom: 0">$</P></TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top"><P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">281,083</P> <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">261,743</P> <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD NOWRAP STYLE="width: 37%; font-size: 10pt; text-align: left; text-indent: -0.25in; padding-left: 0.25in">Bradley A. Henion<BR> Vice President of<BR>
ChoiceOne and<BR>
Senior Vice President<BR>
of Bank</TD><TD NOWRAP STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD NOWRAP STYLE="width: 1%; font-size: 10pt; text-align: left">&nbsp;</TD><TD NOWRAP STYLE="width: 5%; font-size: 10pt; text-align: center; vertical-align: top">2016</TD><TD NOWRAP STYLE="width: 1%; font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD NOWRAP STYLE="width: 2%; font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD NOWRAP STYLE="width: 1%; font-size: 10pt; text-align: right; vertical-align: top">$</TD><TD NOWRAP STYLE="width: 5%; font-size: 10pt; text-align: right; vertical-align: top">150,000</TD><TD NOWRAP STYLE="width: 1%; font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD NOWRAP STYLE="width: 2%; font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD NOWRAP STYLE="width: 1%; font-size: 10pt; text-align: right; vertical-align: top">$</TD><TD NOWRAP STYLE="width: 5%; font-size: 10pt; text-align: right; vertical-align: top">14,220</TD><TD NOWRAP STYLE="width: 1%; font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD NOWRAP STYLE="width: 2%; font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD NOWRAP STYLE="width: 1%; font-size: 10pt; text-align: right; vertical-align: top">$</TD><TD NOWRAP STYLE="width: 5%; font-size: 10pt; text-align: right; vertical-align: top">0</TD><TD NOWRAP STYLE="width: 1%; font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD NOWRAP STYLE="width: 2%; font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD NOWRAP STYLE="width: 1%; font-size: 10pt; text-align: right; vertical-align: top">$</TD><TD NOWRAP STYLE="width: 5%; font-size: 10pt; text-align: right; vertical-align: top">0</TD><TD NOWRAP STYLE="width: 1%; font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD NOWRAP STYLE="width: 2%; font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD NOWRAP STYLE="width: 1%; font-size: 10pt; text-align: right; vertical-align: top">$</TD><TD NOWRAP STYLE="width: 5%; font-size: 10pt; text-align: right; vertical-align: top">2,520</TD><TD NOWRAP STYLE="width: 1%; font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD NOWRAP STYLE="width: 2%; font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD NOWRAP STYLE="width: 1%; font-size: 10pt; text-align: right; vertical-align: top">$</TD><TD NOWRAP STYLE="width: 5%; font-size: 10pt; text-align: right; vertical-align: top">166,740</TD><TD NOWRAP STYLE="width: 1%; font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD NOWRAP STYLE="font-size: 10pt; text-align: left; text-indent: -0.25in; padding-left: 0.25in">Lee A. Braford<BR> Senior Vice President<BR>
of Bank</TD><TD NOWRAP STYLE="font-size: 10pt">&nbsp;</TD>
    <TD NOWRAP STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD NOWRAP STYLE="font-size: 10pt; text-align: center; vertical-align: top">2016</TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">$</TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">127,250</TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">$</TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">14,220</TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">$</TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">0</TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">$</TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">8,700</TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">$</TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">5,105</TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">$</TD><TD NOWRAP STYLE="font-size: 10pt; text-align: right; vertical-align: top">155,275</TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 5in 4pt 0; text-align: left">___________</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 8pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(1)</TD><TD STYLE="text-align: justify">The amount reported includes (a) directors&rsquo; fees paid to Mr. Bosserd totaling $21,825 in
2016 and $20,900 in 2015, and (b) directors&rsquo; fees paid to Mr. Potes totaling $19,500 in 2016 and $11,483 in 2015.</TD></TR>                                                                                                                                 <TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>

<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(2)</TD><TD STYLE="text-align: justify">Includes salary deferred under the ChoiceOne Bank 401(k) and Employee Stock Ownership Plan.</TD></TR>                                                                                                                                                                                                 <TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>

<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(3)</TD><TD STYLE="text-align: justify">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). For a discussion
of the valuation assumptions, see Note 14 to the Company&rsquo;s 2016 consolidated financial statements included in the Company&rsquo;s
Annual Report on Form 10-K for the year ended December 31, 2016. Stock awards consist of awards of restricted stock units granted
on April 15, 2016, which will vest in equal installments over three years on the grant date anniversary. Any restricted <A NAME="a_cp_text_1_19"></A>stock
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. 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.</TD></TR>                                                               <TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>

<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(4)</TD><TD STYLE="text-align: justify">The fair values of all option 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). For a discussion
of the valuation assumptions, see Note 14 to the Company&rsquo;s 2016 consolidated financial statements included in the Company&rsquo;s
Annual Report on Form 10-K for the year ended December 31, 2016. No option awards were granted in 2016. Option awards granted in
2015 consist of awards of non-qualified stock options granted on December 16, 2015, of which 25% were immediately vested and exercisable
with the remaining 75% to vest in equal installments over three years on the grant date anniversary. Grantee&rsquo;s right to exercise
options once vested will expire at the earlier of the expiration date or in accordance with the plan&rsquo;s provisions for death
or employment termination. A grantee of stock option awards shall have no rights as a shareholder of the Company until exercise
of the option and payment, issuance, and delivery of such shares has occurred. The fair value of each option award is estimated
on the date of grant using a Black-Scholes option valuation method.</TD></TR>                                                                             <TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>

<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(5)</TD><TD STYLE="text-align: justify">Reflects the dollar value of non-equity incentive plan compensation earned during 2016.</TD></TR>                                                                                                                                                                                             <TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>

<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><A NAME="a_cp_table_15_21"></A>(6) </TD><TD STYLE="text-align: justify">Mr. Bosserd retired as Chief Executive Officer of ChoiceOne and the Bank effective as of
                                                                                            June                                                                                             1, 2016.</TD></TR>                                                                                                                                                                                                               <TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>

<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><A NAME="a_cp_table_15_22"></A>(7) </TD><TD STYLE="text-align: justify">Mr. Potes was appointed as Chief Executive Officer of ChoiceOne and the Bank effective as of
                                                                                            June 1, 2016.</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 4pt 0 8pt; text-align: justify"><B><A NAME="a_cp_text_1_24"></A>Change
in Control Agreement</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 6pt; text-align: justify">On May 13, 2016, ChoiceOne entered
into a Change in Control Agreement (the &ldquo;Change in Control Agreement&rdquo;) with Mr.&nbsp;Potes, the President and Chief
Executive Officer of ChoiceOne. Pursuant to the Change in Control Agreement, Mr. Potes will receive severance benefits if, during
term of the Change in Control Agreement and either following a Change in Control or during an Active Change in Control Proposal
Period (each as defined in the Change in Control Agreement), Mr. Potes is terminated by ChoiceOne without cause or terminates his
employment for good reason (as &ldquo;cause&rdquo; and &ldquo;good reason&rdquo; are defined in the Change in Control Agreement).
The Personnel and Benefits Committee
believes the &ldquo;double trigger&rdquo; of requiring both a change in control and termination of employment provides an appropriate
balance of protection for both ChoiceOne and Mr. Potes.</P>


<!-- Field: Page; Sequence: 13 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%; font: 10pt Times New Roman, Times, Serif"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->10<!-- Field: /Sequence -->&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><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 0 6pt; text-align: justify"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 6pt; text-align: justify">Mr.&nbsp;Potes will receive a
lump-sum payment equal to three times his annual base salary and compensation for health benefit continuation and an automobile
allowance through the end of the term of the Change in Control Agreement. All unvested equity awards granted to Mr. Potes will
automatically vest upon a Change in Control. The Change in Control Agreement includes a Section 280G cap that limits payments under
the agreement as necessary to avoid tax penalties under Section 280G of the Internal Revenue Code.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 6pt; text-align: justify">Receipt of Mr. Potes&rsquo; severance
benefits is conditioned on obtaining a release and resignation from all of Mr. Potes&rsquo; positions with ChoiceOne and the Bank.
Additionally, the Change in Control Agreement includes non-competition provisions prohibiting Mr.&nbsp;Potes from soliciting ChoiceOne&rsquo;s
customers and employees for a period of eighteen months after termination of Mr.&nbsp;Potes&rsquo;&nbsp;employment.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 6pt; text-align: justify">The foregoing description of the
Change in Control Agreement does not purport to be complete and is qualified in its entirety by reference to the Change in Control
Agreement, which is filed as Exhibit 10.1 to ChoiceOne&rsquo;s Form 10-Q for the quarter ended March&nbsp;31, 2016.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 6pt; text-align: justify"><B>401(k) Plan and Employee Stock
Ownership Plan</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 6pt; text-align: justify">The ChoiceOne Bank 401(k) and
Employee Stock Ownership Plan <A NAME="a_cp_text_1_26"></A>are qualified under Section 401(a) of the Internal Revenue Code of 1986
(the &ldquo;Code&rdquo;).</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 6pt; text-align: justify">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&rsquo;s pre-tax contributions, the Bank may contribute discretionary matching or profit-sharing payments to the 401(k)
plan. If the Bank contributes any matching contributions, those contributions are immediately vested. If the Bank contributes profit-sharing
payments to the 401(k) plan, those contributions will become fully vested after six years of a participant&rsquo;s vesting service.
The Bank has generally made a contribution to the 401(k) plan each year. A discretionary match was made for 2016.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 6pt; text-align: justify">The Employee Stock Ownership Plan
provisions provide that the 401(k) plan, in part, is designed to invest primarily in stock of&nbsp;ChoiceOne.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 4pt 0 6pt; 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 0 8pt; text-align: justify">The following table provides information
concerning outstanding equity awards for each named executive officer as of December 31, 2016.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 4pt 0 8pt; text-align: center"><B>OUTSTANDING EQUITY AWARDS
AT FISCAL YEAR-END</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 12pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="text-align: center">&nbsp;</TD><TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="13" STYLE="font-size: 8pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Option Awards</TD><TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="font-size: 8pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Stock Awards</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="font-size: 8pt; font-weight: bold; text-align: left; border-bottom: Black 1pt solid">Name</TD><TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-size: 8pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Number of<BR>
Securities<BR>
Underlying<BR>
Unexercised<BR>
Options<BR>
Exercisable</TD><TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-size: 8pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt"><B>Number
of</B></FONT><BR>
<FONT STYLE="font-size: 8pt"><B>Securities</B></FONT><BR>
<FONT STYLE="font-size: 8pt"><B>Underlying</B></FONT><BR>
<FONT STYLE="font-size: 8pt"><B>Unexercised</B></FONT><BR>
<FONT STYLE="font-size: 8pt"><B>Options<BR>
Unexercisable<SUP>(1)</SUP></B></FONT></TD><TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-size: 8pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Option<BR>
Exercise<BR>
Price</TD><TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="font-size: 8pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Option<BR>
Expiration<BR>
Date</TD><TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-size: 8pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt"><B>Number of<BR>
Units of<BR>
Stock that<BR>
have Not<BR>
Vested<SUP>(2)</SUP></B></FONT></TD><TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-size: 8pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Market Value<BR>
of Units of<BR>
Stock that<BR>
have Not<BR>
Vested</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD NOWRAP STYLE="width: 13%; font-size: 10pt; text-align: left; text-indent: -0.25in; padding-left: 0.25in; vertical-align: top"><FONT STYLE="font-size: 10pt">James A. Bosserd<SUP>(3)</SUP> </FONT></TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="width: 11%; font-size: 10pt; text-align: right; vertical-align: top">8,000</TD><TD STYLE="width: 1%; font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD STYLE="width: 2%; font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD STYLE="width: 11%; font-size: 10pt; text-align: right; vertical-align: top">0</TD><TD STYLE="width: 1%; font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD STYLE="width: 2%; font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: right; vertical-align: top">$</TD><TD STYLE="width: 11%; font-size: 10pt; text-align: right; vertical-align: top">23.30</TD><TD STYLE="width: 1%; font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD STYLE="width: 2%; font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD STYLE="width: 12%; font-size: 10pt; text-align: right; vertical-align: top">6/01/19</TD><TD STYLE="width: 2%; font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD STYLE="width: 10%; font-size: 10pt; text-align: right; vertical-align: top">0</TD><TD STYLE="width: 1%; font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD STYLE="width: 2%; font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD STYLE="width: 10%; font-size: 10pt; text-align: right; vertical-align: top">0</TD><TD STYLE="width: 1%; font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD NOWRAP STYLE="font-size: 10pt; text-align: left; text-indent: -0.25in; padding-left: 0.25in; vertical-align: top">Kelly J. Potes </TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top"><P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">1,000</P> <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">4,000</P></TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">4,000</TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">$</TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top"><P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">13.50</P> <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">23.30</P></TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">1/23/18 <BR>12/15/25</TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top"><P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">167</P> <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">400</P> <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">600</P></TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">$</TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top"><P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">3,966</P> <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">9,500</P> <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">14,250</P></TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD NOWRAP STYLE="font-size: 10pt; text-align: left; text-indent: -0.25in; padding-left: 0.25in; vertical-align: top">Bradley A. Henion </TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">1,000</TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">1,000</TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">$</TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">23.30</TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">12/15/25</TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">600</TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">$</TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">14,250</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD NOWRAP STYLE="font-size: 10pt; text-align: left; text-indent: -0.25in; padding-left: 0.25in; vertical-align: top">Lee A. Braford </TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">1,000</TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">1,000</TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">$</TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">23.30</TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">12/15/25</TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top"><P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">167</P> <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">400</P> <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">600</P></TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right; vertical-align: top">$</TD><TD STYLE="font-size: 10pt; text-align: right; vertical-align: top"><P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">3,966</P> <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">9,500</P> <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">14,250</P></TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 5in 4pt 0; text-align: left">___________</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 8pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.3pt"></TD><TD STYLE="width: 17.35pt">(1)</TD><TD STYLE="text-align: justify">As of December 31, 2016, all of the incentive stock options granted to the named executive officers
were vested and exercisable. The exercisable non-qualified stock options held by the named executive officers as of December 31,
2016 were granted on December 16, 2015, and were 25% immediately vested and exercisable with the remaining 75% to vest in equal
installments over three years on the grant date anniversary. Grantee&rsquo;s right to exercise options once vested will expire
at the earlier of the expiration date or in accordance with the plan&rsquo;s provisions for death or employment termination. A
grantee of stock option awards shall have no rights as a shareholder of the Company until exercise of the option and payment, issuance,
and delivery of such shares has occurred.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 8pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.3pt"></TD><TD STYLE="width: 17.35pt">(2)</TD><TD STYLE="text-align: justify">Consists of restricted stock units granted on August 1, 2014, April 15, 2015 and April 15, 2016,
respectively, which will vest in equal installments over three years on the grant date anniversary. Any restricted <A NAME="a_cp_text_1_27"></A>stock
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. 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.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 8pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.3pt"></TD><TD STYLE="width: 17.35pt">(3)</TD><TD STYLE="text-align: justify">Upon Mr. Bosserd&rsquo;s retirement on June 1, 2016, all unvested options and stock units held
by Mr. Bosserd immediately vested <A NAME="a_cp_text_1_29"></A>in full.</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 4pt 0 8pt; text-align: left"><B><A NAME="a_Hlk478645127"></A>Director
Compensation</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: left">The following table provides information
concerning the compensation of directors for ChoiceOne&rsquo;s last completed fiscal year.</P>


<!-- Field: Page; Sequence: 14 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%; font: 10pt Times New Roman, Times, Serif"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->11<!-- Field: /Sequence -->&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><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: 4pt 0 8pt; text-align: center"><B>DIRECTOR COMPENSATION</B></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-size: 8pt; font-weight: bold; text-align: left; border-bottom: Black 1pt solid">Name</TD><TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-size: 8pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Fees Earned<BR>
or Paid in<BR>
Cash</TD><TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-size: 8pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">All Other<BR>
Compensation</TD><TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-size: 8pt; 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; text-indent: -0.25in; padding-left: 0.25in">Frank G. Berris </TD><TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 11%; text-align: right">21,450</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 11%; text-align: right">0</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 11%; text-align: right">21,450</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -0.25in; padding-left: 0.25in">James A. Bosserd </TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">21,825</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">21,825</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; text-indent: -0.25in; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Keith D. Brophy<SUP>(1)</SUP> </FONT></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">22,125</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">22,125</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -0.25in; padding-left: 0.25in">K. Timothy Bull </TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">22,500</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">22,500</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; text-indent: -0.25in; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">William F. Cutler, Jr.<SUP>(1)</SUP> </FONT></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">23,625</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">23,625</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -0.25in; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Jack G. Hendon<SUP>(1)</SUP> </FONT></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">25,042</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">25,042</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; text-indent: -0.25in; padding-left: 0.25in">Paul L. Johnson  </TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">30,633</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">30,633</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -0.25in; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Raymond A. Lanning<SUP>(1)</SUP> </FONT></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">23,325</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">23,325</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; text-indent: -0.25in; padding-left: 0.25in">Dennis C. Nelson </TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">23,850</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">23,850</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -0.25in; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Nels W. Nyblad<SUP>(1)</SUP> </FONT></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">25,275</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">25,275</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; text-indent: -0.25in; padding-left: 0.25in">Roxanne M. Page  </TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">26,233</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">26,233</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -0.25in; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Kelly J. Potes<SUP>(1)</SUP> </FONT></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">19,500</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">19,500</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 5in 4pt 0; text-align: left">___________</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 8pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(1)</TD><TD STYLE="text-align: justify">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. For 2016, <FONT STYLE="background-color: white">Messrs.
Cutler, Lanning, Nyblad, and Potes each elected to receive 100% of their fees in the form of ChoiceOne stock. Messrs. Brophy and
Hendon each received 50% of their fees in the form of ChoiceOne stock.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">During 2016, ChoiceOne compensated
its directors with a retainer of $2,600 for the President, CEO, and Chairperson, and $2,000 for each other director. ChoiceOne
directors did not receive per-meeting compensation for participation in Board of Directors&nbsp;meetings.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">From January 2016 to August 2016,
the Bank compensated its directors with an annual retainer of $6,000 for the President and CEO, $7,000 for the Audit Committee
Chairperson, $7,500 for the Chairperson, and $6,000 for each other director. The annual retainer paid to directors in 2016 was
prorated to reflect the portion of the year for which such retainer was in effect. Bank directors received compensation at the
rate of $900 per meeting when attended in person or $675 per meeting when attended via phone participation up to a maximum 3 times
per year. In addition, Bank directors who were not employees of ChoiceOne or the Bank received compensation for meetings of any
committee of the Board of Directors of <A NAME="a_cp_text_2_30"></A>the Bank on which they served at a rate of $300 per meeting
when attended in person or $225 per meeting when attended via phone participation, except that interim loan committee meetings
were compensated at a rate of $150 per meeting and training sessions were compensated at the standard committee fee rate of $300.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Effective September 2016, the
Bank modified its annual retainer for directors as follows: $6,000 for the President and CEO, $7,500 for the Audit Committee Chairperson,
$13,400 for the Chairperson, $7,000 for the Personnel Committee Chairperson, and $6,000 for each other director. The annual retainer
paid to directors in 2016 was prorated to reflect the portion of the year for which such modified retainer was in effect. Bank
directors received compensation at the rate of $1,000 per meeting when attended in person or via phone participation. In addition,
Bank directors who were not employees of ChoiceOne or the Bank received compensation for meetings of any committee of the Board
of Directors of <A NAME="a_cp_text_2_32"></A>the Bank on which they served, including interim loan committee meetings and training
sessions, at a rate of $375 per meeting when attended in person or via phone participation.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Under ChoiceOne&rsquo;s Directors&rsquo;
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&rsquo;s
market makers on the last day of the month preceding the quarterly payment date.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 4pt 0 8pt; text-align: justify"><B>Potential Payments Upon Termination
or Change in Control</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Pursuant to the Change in Control
Agreement between ChoiceOne and Mr. Potes, Mr. Potes may be entitled to certain severance benefits following a change in control,
as described above under the heading <A NAME="a_cp_text_1_34"></A>&ldquo;Change in Control Agreement,&rdquo; which description
is here incorporated by reference.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">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: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">The following table summarizes
the potential payments and benefits payable to each of ChoiceOne&rsquo;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, 2016.</P>


<!-- Field: Page; Sequence: 15 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%; font: 10pt Times New Roman, Times, Serif"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->12<!-- Field: /Sequence -->&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 12pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 8pt; font-weight: bold; text-align: left; border-bottom: Black 1pt solid">Triggering Event and<BR>
Payments/Benefits</TD><TD STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" NOWRAP STYLE="font-size: 8pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">James A. Bosserd</TD><TD NOWRAP STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" NOWRAP STYLE="font-size: 8pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Lee A. Braford</TD><TD NOWRAP STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" NOWRAP STYLE="font-size: 8pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Bradley A. Henion</TD><TD NOWRAP STYLE="font-size: 8pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="3" NOWRAP STYLE="font-size: 8pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Kelly J. Potes</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 40%; font-size: 10pt; font-weight: bold; text-align: left; text-indent: -0.25in; padding-left: 0.25in"><FONT STYLE="font-size: 10pt"><B>Change in Control<SUP>(1)(2)</SUP></B> </FONT></TD><TD STYLE="width: 3%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left">$</TD><TD STYLE="width: 10%; font-size: 10pt; text-align: right">0</TD><TD STYLE="width: 1%; font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="width: 3%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left">$</TD><TD STYLE="width: 10%; font-size: 10pt; text-align: right">28,166</TD><TD STYLE="width: 1%; font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="width: 3%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left">$</TD><TD STYLE="width: 10%; font-size: 10pt; text-align: right">14,700</TD><TD STYLE="width: 1%; font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="width: 3%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left">$</TD><TD STYLE="width: 10%; font-size: 10pt; text-align: right">657,800</TD><TD STYLE="width: 1%; font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: left; text-indent: -0.25in; padding-left: 0.25in"><FONT STYLE="font-size: 10pt"><B>Death<SUP>(3)(4)</SUP></B> </FONT></TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">$</TD><TD STYLE="font-size: 10pt; text-align: right">0</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">$</TD><TD STYLE="font-size: 10pt; text-align: right">138,640</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">$</TD><TD STYLE="font-size: 10pt; text-align: right">153,167</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">$</TD><TD STYLE="font-size: 10pt; text-align: right">231,640</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: left; text-indent: -0.25in; padding-left: 0.25in"><FONT STYLE="font-size: 10pt"><B>Disability or Retirement<SUP>(4)</SUP></B> </FONT></TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">$</TD><TD STYLE="font-size: 10pt; text-align: right">0</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">$</TD><TD STYLE="font-size: 10pt; text-align: right">11,640</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">$</TD><TD STYLE="font-size: 10pt; text-align: right">3,167</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">$</TD><TD STYLE="font-size: 10pt; text-align: right">11,640</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 5in 4pt 0; text-align: left">___________</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 8pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><A NAME="a_9kR3WTr8F9459B"></A>(1) </TD><TD STYLE="text-align: justify">Pursuant to Mr. Potes&rsquo; Change in Control Agreement, Mr. Potes will receive severance
                                                                                            benefits if, during term of the Agreement and either following a Change in Control or during an Active Change in Control
                                                                                            Proposal Period (each as defined in the Change in Control Agreement), Mr. Potes is terminated by ChoiceOne without cause or
                                                                                            terminates his employment for good reason (as &ldquo;cause&rdquo; and &ldquo;good reason&rdquo; are defined in the Change in
                                                                                            Control Agreement). <FONT STYLE="background-color: white">The payments to Mr. Potes under his Change in Control Agreement
                                                                                            after a change in control are limited by Section&nbsp;280G of the Code. The amount shown in the table for Mr. Potes reflects
                                                                                            this limitation.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 8pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(2)</TD><TD STYLE="text-align: justify">In accordance with the Stock Incentive Plan of 2012, all outstanding unvested equity awards and
stock options shall become immediately fully vested upon a change in control. The amount shown includes the value of accelerated
vesting of restricted stock units and stock options.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 8pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(3)</TD><TD STYLE="text-align: justify">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&nbsp;compensation.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 8pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(4)</TD><TD STYLE="text-align: justify">In accordance with the Stock Incentive Plan of 2012, restrictions on all outstanding unvested <A NAME="a_cp_text_2_40"></A>restricted
stock <A NAME="a_cp_text_2_42"></A>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.</TD></TR></TABLE>

<P STYLE="font: bold 10pt/normal Times New Roman, Times, Serif; margin: 4pt 0 8pt; text-align: center; border-bottom: Black 2.25pt double">Audit
Committee Report</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">The Audit and Compliance/CRA Committee
(&ldquo;Audit Committee&rdquo;) reviews and supervises ChoiceOne&rsquo;s procedures for recording and reporting the financial results
of its operations on behalf of the Board of Directors. ChoiceOne&rsquo;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&rsquo;s audited financial statements for the year ended December 31, 2016 included in the 2016
Annual Report to Shareholders and has discussed those financial statements with ChoiceOne&rsquo;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 0 8pt; text-align: justify">The Audit Committee has also reviewed
with ChoiceOne&rsquo;s independent auditors &ndash; who are responsible for expressing an opinion on the conformity of those financial
statements with generally accepted accounting principles &ndash; 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&rsquo;s communications with the Audit Committee concerning independence,
has discussed with them their independence from ChoiceOne&rsquo;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 0 8pt; text-align: justify">After and in reliance on the reviews
and discussions described above, the Audit Committee recommended to ChoiceOne&rsquo;s Board of Directors that the audited financial
statements for the year ended December 31, 2016 be included in ChoiceOne&rsquo;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 0 8pt; text-align: right">Respectfully submitted,</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">K. Timothy Bull</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: right">Jack Hendon</P>

<P STYLE="font: bold 10pt/normal Times New Roman, Times, Serif; margin: 4pt 0 8pt; text-align: center; border-bottom: Black 2.25pt double">Related
Matters</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 4pt 0 8pt; text-align: left"><B><A NAME="a_9kR3WTr8E8458bLcszv1FM"></A>Section
16 Beneficial Ownership Reporting Compliance</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">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, 2016 through December 31, 2016, except that one report on Form 4 reporting two untimely-reported
transactions was filed for Mr. Berris, <A NAME="a_cp_text_1_45"></A>and one report on Form 4 reporting one untimely-reported transaction
was filed for each of Mr. Brophy, Mr. Cutler, Mr. Hendon, Mr. <A NAME="a_cp_text_1_46"></A>Lanning, Mr. Nyblad, and Mr. Potes.</P>


<!-- Field: Page; Sequence: 16 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%; font: 10pt Times New Roman, Times, Serif"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->13<!-- Field: /Sequence -->&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><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: 4pt 0 8pt; text-align: left"><B>Transactions with Related Persons</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">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, 2016 and December 31, 2016. 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 collectability 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 0 8pt; text-align: justify">Frank G. Berris, a director of
ChoiceOne and the Bank, owns all of the equity interest of JFB Real Estate, LLC (&ldquo;JFB&rdquo;). In 2004, the Bank entered
into a lease with JFB for the portion of a building housing the Bank&rsquo;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,
2013, and 2016. The current term of the lease will expire on September 30, 2019 unless the Bank exercises its option to extend.
The Bank is&nbsp;obligated to make lease payments of $156,240 in the aggregate for the period beginning on October 1, 2016 and
ending on September&nbsp;30, 2019.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">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: 4pt 0 8pt; text-align: justify"><B>Independent Registered Public
Accounting Firm</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">Plante &amp; Moran, PLLC (&ldquo;Plante
Moran&rdquo;), has been selected to serve as ChoiceOne&rsquo;s independent auditors for 2017. Plante Moran also served as ChoiceOne&rsquo;s
independent auditors for 2016.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">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&rsquo;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 0 8pt; text-align: justify">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 0 8pt; text-align: justify">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 0 8pt; text-align: justify">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 0 8pt; text-align: justify">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&rsquo;s rules on auditor independence. All fees paid to Plante Moran
for services performed in 2016 and 2015 were pre-approved pursuant to this policy.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify"><I>Audit Fees</I>. ChoiceOne paid
to Plante Moran $105,400 during 2016 (including $6,000 paid in 2016 for services provided in 2015) and $99,400 during 2015 for
the audit of ChoiceOne&rsquo;s annual financial statements and review of financial statements included in ChoiceOne&rsquo;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 0 8pt; text-align: justify"><I>Audit-Related Fees</I>. ChoiceOne
paid to Plante Moran $5,000 during 2016 and $5,000 during 2015 for assurance and related services that were reasonably related
to the performance of the audit or review of ChoiceOne&rsquo;s financial statements and are not reported under &ldquo;Audit Fees&rdquo;
above. Services included a HUD FHA audit.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify"><I>Tax Fees</I>. ChoiceOne paid
to Plante Moran $12,950 during 2016 and $12,750 during 2015 for tax compliance, tax advice and tax planning. Tax services included
preparing ChoiceOne&rsquo;s federal and state tax returns and in 2014 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 0 8pt; text-align: justify"><I>All Other Fees</I>. ChoiceOne
paid to Plante Moran $870 in 2016 for consultation regarding depreciation and equity awards. ChoiceOne did not pay Plante Moran
any other fees in 2015.</P>


<!-- Field: Page; Sequence: 17 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%; font: 10pt Times New Roman, Times, Serif"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->14<!-- Field: /Sequence -->&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><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: 4pt 0 8pt; text-align: left"><B><A NAME="a_Hlk478641876"></A>Shareholder
Proposals</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify">If you would like a proposal to
be presented at the 2018 annual meeting of shareholders and if you would like your proposal to be considered for inclusion in ChoiceOne&rsquo;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 December 13, 2017 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 2018 annual meeting of shareholders must be submitted in accordance with ChoiceOne&rsquo;s Bylaws
and must be received by ChoiceOne by December 13, 2017.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 4pt 0 8pt; text-align: justify"><B>Form 10-K Report Available</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify"><B>ChoiceOne&rsquo;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/normal Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: justify"><B>&nbsp;</B></P>

    <!-- Field: Page; Sequence: 18 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%; font: 10pt Times New Roman, Times, Serif"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->15<!-- Field: /Sequence -->&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><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 0 8pt; text-align: justify"></P>

<P STYLE="margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 96%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.35in"><BR>
                           <FONT STYLE="font-size: 8pt"><BR></FONT></P>
                           <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.35in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></P>
                           <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.35in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B><I>&nbsp;</I></B></FONT></P>
                           <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.35in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B><I>&nbsp;&nbsp;</I></B></FONT></P>
                           <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.35in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B><I>CHOICEONE
                           FINANCIAL SERVICES, INC. </I></B></FONT><FONT STYLE="font-size: 8pt"><BR>
                           <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><I>P.O. BOX 186 </I></B></FONT><BR>
                           <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><I>SPARTA, MI 49345-0186</I></B></FONT><BR>
                           <BR></FONT></P>
        <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B><I>&nbsp;</I></B></FONT></P></TD>
    <TD STYLE="width: 50%; font-size: 10pt; text-align: justify"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; margin-left: 0; text-align: justify"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>VOTE
BY INTERNET - www.proxyvote.com</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0"></P>

<P STYLE="font: 10pt ___WRD_EMBED_SUB_325,sans-serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Use
the Internet to transmit your voting instructions and for electronic delivery of information up until 11:59 P.M. Eastern Time
the day before the meeting date. If you hold shares in the 401K Plan, please submit your vote by 11:59 P.M. on May 22, 2017. Have
your proxy card in hand when you access the web site and follow the instructions to obtain your records and to create an electronic
voting instruction form.&nbsp;</FONT></P>

<P STYLE="font: 10pt ___WRD_EMBED_SUB_325,sans-serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>ELECTRONIC
DELIVERY OF FUTURE PROXY MATERIALS</B></FONT></P>

<P STYLE="font: 10pt ___WRD_EMBED_SUB_325,sans-serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">If
you would like to reduce the costs incurred by our company in mailing proxy materials, you can consent to receiving all future
proxy statements, proxy cards and annual reports electronically via e-mail or the Internet. To sign up for electronic delivery,
please follow the instructions above to vote using the Internet and, when prompted, indicate that you agree to receive or access
proxy materials electronically in future years.&nbsp;</FONT></P>

<P STYLE="font: 10pt ___WRD_EMBED_SUB_325,sans-serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>VOTE
BY PHONE - 1-800-690-6903</B></FONT></P>

<P STYLE="font: 10pt ___WRD_EMBED_SUB_325,sans-serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Use
any touch-tone telephone to transmit your voting instructions up until 11:59 P.M. Eastern Time the day before the meeting date.
If you hold shares in the 401K Plan, please submit your vote by 11:59 P.M. on May 22, 2017. Have your proxy card in hand when
you call and then follow the instructions.&nbsp;</FONT></P>

<P STYLE="font: 10pt ___WRD_EMBED_SUB_325,sans-serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>VOTE
BY MAIL</B></FONT></P>

<P STYLE="font: 10pt ___WRD_EMBED_SUB_325,sans-serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Mark,
sign and date your proxy card and return it in the postage-paid envelope we have provided or return it to Vote Processing, c/o
Broadridge, 51 Mercedes Way, Edgewood, NY 11717.</FONT></P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; margin-left: 0; text-align: justify"></P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; text-align: left"></P>


</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
</TABLE>

<P STYLE="margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 49%"></TD>
    <TD STYLE="width: 24%"></TD>
    <TD STYLE="width: 27%"></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">TO VOTE, MARK BLOCKS BELOW IN BLUE OR BLACK INK
    AS FOLLOWS:</FONT></TD>
    <TD></TD>
    <TD></TD></TR>
<TR STYLE="vertical-align: top">
    <TD></TD>
    <TD></TD>
    <TD></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt dashed"></TD>
    <TD STYLE="border-bottom: Black 1pt dashed; padding-left: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt dashed; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">KEEP
    THIS PORTION FOR YOUR RECORDS</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-align: center; padding-left: 1.625in; vertical-align: bottom"></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">DETACH AND RETURN THIS
    PORTION ONLY</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: center; vertical-align: bottom; padding-bottom: 5.4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>THIS
    PROXY CARD IS VALID ONLY WHEN SIGNED AND DATED.</B></FONT></TD></TR>
</TABLE>


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

<P STYLE="margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"></FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 1%; border-top: Black 1pt solid; border-left: Black 1pt solid"></TD>
    <TD STYLE="width: 1%; border-top: Black 1pt solid"></TD>
    <TD STYLE="width: 3%; border-top: Black 1pt solid"></TD>
    <TD STYLE="width: 3%; border-top: Black 1pt solid"></TD>
    <TD STYLE="width: 16%; border-top: Black 1pt solid"></TD>
    <TD STYLE="width: 2%; border-top: Black 1pt solid"></TD>
    <TD STYLE="width: 5%; border-top: Black 1pt solid"></TD>
    <TD STYLE="width: 1%; border-top: Black 1pt solid; text-align: center"></TD>
    <TD STYLE="width: 3%; border-top: Black 1pt solid; text-align: center"></TD>
    <TD STYLE="width: 5%; border-top: Black 1pt solid; text-align: center"></TD>
    <TD STYLE="width: 6%; border-top: Black 1pt solid; text-align: center"></TD>
    <TD STYLE="width: 1%; border-top: Black 1pt solid"></TD>
    <TD STYLE="width: 22%; border-top: Black 1pt solid"></TD>
    <TD STYLE="width: 4%; border-top: Black 1pt solid"></TD>
    <TD STYLE="width: 4%; border-top: Black 1pt solid"></TD>
    <TD STYLE="width: 5%; border-top: Black 1pt solid"></TD>
    <TD STYLE="width: 5%; border-top: Black 1pt solid"></TD>
    <TD STYLE="width: 2%; border-top: Black 1pt solid"></TD>
    <TD STYLE="width: 1%; border-top: Black 1pt solid; border-right: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="5"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>&nbsp;</B></FONT></TD>
    <TD></TD>
    <TD STYLE="text-align: center"></TD>
    <TD STYLE="text-align: center; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>For</B></FONT></TD>
    <TD STYLE="text-align: center; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>Withhold</B></FONT></TD>
    <TD STYLE="text-align: center; vertical-align: bottom"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>For
    All</B></FONT></TD>
    <TD></TD>
    <TD ROWSPAN="2"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">To
                    withhold authority to vote for any individual nominee(s), mark &ldquo;For All Except&rdquo; and write the
                    number(s) of the nominee(s) on the line below.</FONT></P></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD STYLE="border-right: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD></TD>
    <TD COLSPAN="6" STYLE="padding-top: 6pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>The Board
    of Directors recommends you vote FOR</B></FONT><FONT STYLE="font-size: 8pt"><BR>
    <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>the following:</B></FONT></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>All</B></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>All</B></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>Except</B></FONT></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD STYLE="border-right: Black 1pt solid; border-top: Black 1pt solid"></TD>
    <TD></TD>
    <TD STYLE="border-right: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid"></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD STYLE="text-align: center"></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>&#9744;</B></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>&#9744;</B></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>&#9744;</B></FONT></TD>
    <TD></TD>
    <TD STYLE="border-bottom: Black 1pt solid"></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD STYLE="border-right: Black 1pt solid"></TD>
    <TD></TD>
    <TD STYLE="border-right: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>1.</B></FONT></TD>
    <TD COLSPAN="2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Election of Directors</FONT></TD>
    <TD></TD>
    <TD></TD>
    <TD STYLE="text-align: center"></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>&nbsp;</B></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>&nbsp;</B></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>&nbsp;</B></FONT></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD STYLE="text-align: right"></TD>
    <TD STYLE="text-align: right"></TD>
    <TD STYLE="text-align: right"></TD>
    <TD></TD>
    <TD STYLE="border-right: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD STYLE="text-align: right"></TD>
    <TD STYLE="text-align: right"></TD>
    <TD STYLE="text-align: right"></TD>
    <TD></TD>
    <TD STYLE="border-right: Black 1pt solid"></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD></TD>
    <TD></TD>
    <TD COLSPAN="2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>Nominees</B></FONT></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD STYLE="border-right: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD STYLE="border-right: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD></TD>
    <TD COLSPAN="11" NOWRAP><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">01&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Keith D. Brophy&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;02&nbsp;&nbsp;&nbsp;&nbsp;K. Timothy Bull&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;03&nbsp;&nbsp;&nbsp;&nbsp;Jack G. Hendon&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;04&nbsp;&nbsp;&nbsp;&nbsp;Dennis C. Nelson</FONT></p></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD STYLE="border-right: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD STYLE="border-right: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD></TD>
    <TD COLSPAN="9" STYLE="text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>The
Board of Directors recommends you vote FOR proposals 2. and 3.</B></FONT></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>For&nbsp;&nbsp;</B></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>Against</B></FONT></TD>
    <TD COLSPAN="2" STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>Abstain</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD STYLE="text-align: right"></TD>
    <TD STYLE="text-align: right"></TD>
    <TD STYLE="text-align: right"></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"></TD>
    <TD STYLE="text-align: center"></TD>
    <TD></TD>
    <TD STYLE="border-right: Black 1pt solid"></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD></TD>
    <TD STYLE="text-align: left; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>2.</B></FONT></TD>
    <TD COLSPAN="10" STYLE="text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Advisory
approval of the Company&rsquo;s executive compensation (the say-on-pay vote).</FONT></TD>
    <TD></TD>
    <TD STYLE="text-align: center; vertical-align: middle"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>&#9744;</B></FONT></TD>
    <TD STYLE="text-align: center; vertical-align: middle"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>&#9744;</B></FONT></TD>
    <TD STYLE="text-align: center; vertical-align: middle"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;<B>&nbsp;&nbsp;&nbsp;&#9744;</B></FONT></TD>
    <TD></TD>
    <TD STYLE="border-right: Black 1pt solid"></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="10"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom">
    <TD STYLE="border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD></TD>
    <TD STYLE="text-align: left; vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>3.</B></FONT></TD>
    <TD COLSPAN="10"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Ratification of the selection of Plante &amp; Moran, PLLC as our registered independent public accounting firm for the current
fiscal year.</FONT></TD>
    <TD></TD>
    <TD STYLE="text-align: center; vertical-align: middle"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>&#9744;</B></FONT></TD>
    <TD STYLE="text-align: center; vertical-align: middle"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>&#9744;</B></FONT></TD>
    <TD STYLE="text-align: center; vertical-align: middle"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;&nbsp;&nbsp;<B>&nbsp;&nbsp;&nbsp;&#9744;</B></FONT></TD>
    <TD></TD>
    <TD STYLE="border-right: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="7" STYLE="text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="12" STYLE="text-align: justify"><P STYLE="margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>NOTE:</B> Such other business as may properly come before the meeting or any adjournment thereof.</FONT><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>


</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="7" STYLE="text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="7" STYLE="text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="7" STYLE="text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="7" STYLE="text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="8"></TD>
    <TD STYLE="text-align: center"></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="7" STYLE="text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="5"><P STYLE="margin: 0"></P>


</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: center"></TD>
    <TD STYLE="text-align: center"></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>&nbsp;</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="5"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>&nbsp;</B></FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>&nbsp;</B></FONT></TD>
    <TD STYLE="text-align: center"></TD>
    <TD STYLE="text-align: center"></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>&nbsp;</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>&nbsp;</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>&nbsp;</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>&nbsp;</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>&nbsp;</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>&nbsp;</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>&nbsp;</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>&nbsp;</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>&nbsp;</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="7" STYLE="text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD STYLE="border-right: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD></TD>
    <TD COLSPAN="11" STYLE="text-align: left"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Please sign exactly as your name(s) appear(s) hereon. When signing as attorney, executor, administrator, or other fiduciary, please give full title as such. Joint owners should each sign personally. All holders must sign. If a corporation or partnership, please sign in full corporate or partnership name, by authorized officer.</FONT>  </TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD STYLE="border-right: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD STYLE="border-right: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD></TD>
    <TD STYLE="border-top: Black 1pt solid; border-left: Black 1pt solid"></TD>
    <TD STYLE="border-top: Black 1pt solid"></TD>
    <TD STYLE="border-top: Black 1pt solid"></TD>
    <TD STYLE="border-top: Black 1pt solid"></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid"></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; border-top: Black 1pt solid"></TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid"></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD STYLE="border-right: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid"></TD>
    <TD STYLE="border-bottom: Black 1pt solid"></TD>
    <TD STYLE="border-bottom: Black 1pt solid"></TD>
    <TD STYLE="border-bottom: Black 1pt solid"></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-right: Black 1pt solid"></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD STYLE="border-right: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD></TD>
    <TD COLSPAN="3"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Signature [PLEASE SIGN WITHIN BOX]</FONT></TD>
    <TD></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Date</FONT></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Signature (Joint Owners)</FONT></TD>
    <TD COLSPAN="2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Date</FONT></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD STYLE="border-right: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-left: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD STYLE="border-right: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; border-left: Black 1pt solid"></TD>
    <TD STYLE="border-bottom: Black 1pt solid"></TD>
    <TD STYLE="border-bottom: Black 1pt solid"></TD>
    <TD STYLE="border-bottom: Black 1pt solid"></TD>
    <TD STYLE="border-bottom: Black 1pt solid"></TD>
    <TD STYLE="border-bottom: Black 1pt solid"></TD>
    <TD STYLE="border-bottom: Black 1pt solid"></TD>
    <TD STYLE="border-bottom: Black 1pt solid"></TD>
    <TD STYLE="border-bottom: Black 1pt solid"></TD>
    <TD STYLE="border-bottom: Black 1pt solid"></TD>
    <TD STYLE="border-bottom: Black 1pt solid"></TD>
    <TD STYLE="border-bottom: Black 1pt solid"></TD>
    <TD STYLE="border-bottom: Black 1pt solid"></TD>
    <TD STYLE="border-bottom: Black 1pt solid"></TD>
    <TD STYLE="border-bottom: Black 1pt solid"></TD>
    <TD STYLE="border-bottom: Black 1pt solid"></TD>
    <TD STYLE="border-bottom: Black 1pt solid"></TD>
    <TD STYLE="border-bottom: Black 1pt solid"></TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-right: Black 1pt solid"></TD></TR>
</TABLE>


<P STYLE="margin: 0; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">0000330776_1&nbsp;&nbsp;&nbsp;&nbsp;R1.0.1.15</FONT></P>

<P STYLE="margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></P>

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

<!-- Field: Page; Sequence: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><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>
    <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="margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></P>



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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Important
Notice Regarding the Availability of Proxy Materials for the Annual Meeting: </B>The Notice &amp; Proxy Statement, Annual Report
and Attendance Card are available at <U>www.proxyvote.com</U></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 10pt">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; border-top: Black 1pt dashed; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right; padding-top: 2pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 2pt">&nbsp;</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; text-indent: 0.5in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 10pt">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; padding-right: 0.25in; padding-left: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 12pt Arial, Helvetica, Sans-Serif; text-align: center; padding-right: 0.25in; padding-left: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>CHOICEONE
    FINANCIAL SERVICES, INC. </B></FONT><FONT STYLE="font-size: 10pt"><BR>
    <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Annual Meeting of Shareholders <BR>
May 24, 2017 11:00 AM </B></FONT><BR>
    <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>This proxy is solicited by the Board of Directors</B></FONT></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-right: 0.25in; padding-left: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-right: 0.25in; padding-left: 0.25in; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">The
    shareholder hereby appoints Mary J. Johnson, Paul L. Johnson, and Roxanne M. Page, or any of them, as proxies, each with the
    power to appoint his/her substitute, and hereby authorizes them to represent and to vote, as designated on the reverse side
    of this ballot, all of the shares of Common Stock of CHOICEONE FINANCIAL SERVICES, INC. that the shareholder is entitled to
    vote at the Annual Meeting of Shareholders to be held at 11:00 AM, EDT on May 24, 2017, at the Moss Ridge Golf Club, 13545
    Apple Avenue, Ravenna, Michigan, and any adjournment or postponement thereof.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-right: 0.25in; padding-left: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-right: 0.25in; padding-left: 0.25in; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>This
    proxy, when properly executed, will be voted in the manner directed herein. If no such direction is made, this proxy will
    be voted FOR all Director Nominees and FOR Proposals 2 and 3 and in their discretion on any other matters that may come before
    or that are incident to the conduct of the meeting, including any vote to adjourn the meeting.</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-right: 0.25in; padding-left: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-right: 0.25in; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-right: 0.25in; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-right: 0.25in; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-right: 0.25in; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-right: 0.25in; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-right: 0.25in; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-right: 0.25in; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-right: 0.25in; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-right: 0.25in; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-right: 0.25in; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-right: 0.25in; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; padding-right: 0.25in; padding-left: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Continued
    and to be signed on reverse side</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; padding-right: 0.25in; padding-left: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">0000330776_2&nbsp;&nbsp;&nbsp;&nbsp;R1.0.1.15</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">&nbsp;</FONT></P>

<!-- Field: Page; Sequence: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><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 -->


</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>2
<FILENAME>cofs-def14a_img0001.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 cofs-def14a_img0001.jpg
M_]C_X  02D9)1@ ! 0   0 !  #_VP!#  $! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0'_
MVP!# 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0'_P  1" !K <(# 2(  A$! Q$!_\0
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MM[_7+B*ZUFXM8FN=/\/66LZBJ2?9SM_E"_X(-_\ !)77_P#@H]XHUC_@L_\
M\%8A?_M%>,_BUXOO-9_9\^%_Q)AMM1\ ZQH6B2WNDI\0_&'@C4K2;2KSP'I=
MZC>'O@I\,X[>T\&:/H_AN36+G0[_ $V]\,FR +GA_P#X+_\ _!>W]NJY?7?^
M"</_  2?T*P^%=Y?)_8/C?XB>&/'7C>PU33;B7=I\[_$?6_%7P6^&<HD@1C<
M3:8MY:0>;(5NR%CE.YX@_P""I7_!V)\ 8Y?&GQM_X)6_"OQQX#TNR:_UO3_
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MP[$[G4KCP_X?TIM!^#WQ+E@D9[B:R\>>#/#JV>HZDI:*7QUX;\:*([6QABC
M!_1/_G\J*0#'YD_F2?ZTM !1110 4444 ?Y]'_!Q/\#M!_:5_P"#BW_@E[\!
MO%<-I=>$?BEX*_9P\*^+[&^$GV74_"-W^T=\29O%&D2^60X_M?08-0TR-@?D
MENT8@@$5_H)QDD,20?WD@&&W<!B #\JX( P5.2IXW'%?PP?\%D?^5J+_ ((\
M?]@+]GK_ -7M\6Z_NCH **** /Y-?^#RC1-+U#_@D_X0U>\M1-J.@?M:_"F7
M2+GS9D-G)J7@WXH6%ZPC1UBF\ZT=X<3)(J;MZ!9 &'[K_P#!+2:>Z_X)H?\
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M]/VV/V4OB!^Q#^UC\>/V4OB9:26OBSX*>/-4\--/.8@-<\.2PV^N^!_%MLT
M$1L_&?@C5/#_ (JTX[%S::Q;B:**4M&H!_M;_L<?$S0_C+^RC^S5\6/#$_VK
MP]\1O@'\(_&.E2FX2[>.VUWP)H=[]CFNXU6*YNK*:6>WNY55";E)!Y:@"OI6
MOX7?^#1G_@K_ .!O$'PFL_\ @EK\=O%S:9\5/ VL>*->_90U+7KH+9^/?AQJ
M:2^*_$?P@TZ[F\QF\8^!-<_X2KQ1X=L+B\8ZUX)UEM&T.TMH? <B7O\ = C!
MT5P" P# '&0#R,X)&?49XH =114<DBQ!2V3N8*!VR<G)8X5>,GYF&<;5RY"L
M .;G*^H/OW Z9!QSU[8^E?XC'_!6CXE>'_C!_P %.?V]OB/X4D6?PWXH_:M^
M-=UHERDRW$=]IUGXXU;3+:_BF1$4PZBEB+R-5#+''/'&))E0RO\ Z=G_  <$
M_P#!6_P+_P $S/V.?&FA^&O%U@O[7_Q_\%:_X,_9[\%6EP]QKN@IK$,GA_Q#
M\:=2AME8:1H?PZM=0N-0\/76K".U\3^-[72-&L8-2M;3Q"^E?Y#21:AK=_#'
M E[JVL:I?+#'$B3WVIZIJ>H3?NHXHT,UUJ%]>7DS(NP2SW,TT0"&2110!_I-
M_P#!DUX%U;2_V&?VL?B-<R!=&\9?M66WA+2;9H&23[5X ^$O@S4=5OEG+E9K
M>Y'CZPM(PD2"*?3;L&61G,</U3_P>%?\H@;K_LYKX*?^D_C.OU%_X(M?L+WO
M_!.__@G-^SC^S?XEL8;'XFZ?X<NO'WQFAAN;2^%O\6_B/<OXH\8:0;^SN+FT
MO?\ A%6O+'P5%>:?<7%A=V_A>.YM)Y[:6.5ORZ_X/"O^40-U_P!G-?!3_P!)
M_&= '^:%^QE\$[+]I3]KK]F3]GS4[I;+2OC7\>?A3\,M7O&DN(A;:1XQ\;Z-
MH6K3+):LEPLJZ=>W0B>%UE23'E,LF&7_ '._#'A;P]X,\/>'?"7A31]/\.^%
M_".B:7X9\,>'M'MH[#1]!\/:%86^DZ+HVF6%N$M[73M+TVTM[.PMHD6*VMXD
MBB5$ 4?XGG_!)#_E*-_P3W_[/!^ '_JRO#M?[<>.GMR/R(_D30 5_,-_P=R>
M /#'B;_@C5\1_$6LV"7FK?#7XY_ CQIX0N72 MI6OZEXN;X=7MU"SPO+&+CP
MKX[\1V$GV>2"63[8/,E:+S89?Z>:_FZ_X.Q?^4)W[0?_ &4?]GG_ -7/X0H
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MN=6BOEDT?1M3TZ_NEBL) 8KZV2!II'94_KTC<2+N!!&Y@,>QXS[XY[>X!X
M^BBB@#^4K_@\<_Y1&Z1_V=C\&_\ U&?B=7[??\$K?^49'_!.?_LPS]C_ /\
M5!> _P#/MU/%?F'_ ,'0?[*?[1G[9/\ P39TSX/?LO\ PD\4?&?XD1?M&_"S
MQ=-X2\(KI\FJQ>'-(T+X@6>IZNZ:C>V$"VEE<ZGIT4KB<OF[#!-D<KK^L_\
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M_"6.+POXFT^]5+IQ<_&'XS>)KOPY?O'<V7A"[MG:&'^I_P#X)^_\$Y/V6/\
M@FO\#[3X%_LM>"'\.:+/<V^L^.?&.OW*:[\1/BCXJ2S@M'\4^//$SQ1-J-P8
M(6M]/TG3H--\,:!;236OAG1-(MW<2@'WGLW*H;/!#?*S+E@<@Y4@D'N#PP)#
M C(K^5#_ (.2/^"$6H?\%'_ ME^U%^R_I.G6_P"V+\'/"USIU[X26VL[*+]I
M'X=:=YM]:^#KK5IGM8K?XE^$'EOW^&^J:K=K8ZM9:A>^!]6FM;.;0=4\/_U8
M@8 'H /3I[4CKN5E[,K+_P!]#';!_(B@#_ XCG\8_#;Q?#<V4OB?X?\ C[P+
MXF#0S03:OX6\9>"_&'AC4!C9*AL-:T#Q)X=U>U.)(S9:II.I6[ ^1<PIM_LM
M_P""<O\ P>-?'GX(^%_#WPI_;\^%-[^TWX<T.VTK1]/^.?@/6].\+?'&UTBQ
MMH;.23QIH&LVI\(_%;6!%!$3KC:MX UZ\G%U?:[J?B/4+Z6\C_J._P""JW_!
MN=^P[_P4ROM:^*[6-[^SK^U/J%DL;?';X7:?:+;>,KNUE,ME-\8/AY))9^'_
M !_=0)+/;S>+K:?P[\1)["+3+&_\6:KI6A:3I%M_$=^U#_P:5_\ !6CX$ZM?
M2?"SPE\,OVLO!JW&IO8Z_P#!OQ[IVA^)H=/MI;E[$>)/ ?Q3_P"$&U6QUS4+
M.!;B33/"M]XWTRVN)DLHO$5Z[PR3@']<NC?\'?W_  1_U+2K:_O]<_:2\.W\
ML4,D^B:E\$'O;^U>69H)+>2ZT7Q-J6DR_9HP+R=X-0=9("@MY9KH/:U^8_[;
MO_!Z=X'3POK/A+_@G[^SCXHU/QC?6\UI9?&#]I0Z/HWAOPY(^(_[1T3X4>$-
M7UO4/%ERT,SO:MXB\:^$[+3[F".2]T?6[1Y;27^2_4?^"'__  5VTN^N]/N?
M^">7[4#7%E*89FL_AMJ>I6K.%5]UO?Z8UW87D95EQ-:75S#G<BRDJRCZZ_9\
M_P"#7[_@LC\?=2L(+K]F[3O@+X?N[FU@N/&/[0WCOP[X&TK2H;JU6X%]?>'=
M"F\8_$:>UB+QPRII'@?4[V*YD\A[+=%<I;@'XX?M)_M-?'W]L#XR>*_C[^TG
M\3?$WQ7^*OCF\2?6_%7B2\5T6RB>3[!H>B:=:I:Z/X:\+:+#*UIH7A;0++3=
M"T.S_P!$T[3K.$%*_LB_X-?_ /@@?XD\:^,?A[_P4T_;%\#/I_PKT"VL?&O[
M)'PI\0VTD6H_$/Q:FH6]SX9^/7B?3S=>?9> ?#,5E=ZE\.M"U72Q-X_UC4]"
M\>P7,/@O0M.'C;]5O^"9?_!I#^R7^RIKGACXM_MI^,+7]L3XLZ#+H.KZ1X$;
M19_#G[.?A;Q%#(+ETN_#-]=SZU\74L]4:"&Q?QPND>%M7@CC?5OAU)+=FTL/
MZ\K"PM=-M;>RLK>WM+.SM[>TL[6T@CMK:TM;:(0P6UK;PJD-O;01*D5O;PHD
M4,2K'&JHJJ ">., (S%RX )+,<EM@0[@IVM_$<$%59B5 /-?RS_\'A7_ "B!
MNO\ LYKX*?\ I/XSK^IZOYW_ /@YT_98_:&_;%_X)F7/P=_9D^%'BCXR?$QO
MC[\*/$X\'^$8[&35O[ T6#Q2NJZKMU&]L(#:V37UFLVV<R!IP0A168 '^9Y_
MP20_Y2C?\$]_^SP?@!_ZLKP[7^W'7^3=_P $V?\ @B#_ ,%8O@[_ ,%!?V*_
MBK\3/V'/C)X1^'GP[_:>^#'C'QMXJU./PL=-\.>&-!\>Z)J>MZUJ!MO$LLZV
M.F:?;SW=R\4<KK%$Y1';"-_K( Y (((/((Z%3D@C\,>W6@!:_FZ_X.Q?^4)W
M[0?_ &4?]GG_ -7-X1K^D6OPI_X./OV;?CG^UG_P2C^-'P0_9R^&OB+XM_%?
MQ'X[^">HZ'X'\++9/K&HV7AWXI>&M;UNYA6_N[&V\G3=*L[J]N"]PI6*%BH8
MC% '^45^PQ_R>W^Q[_V='^S_ /\ JUO"M?[HOEJ\KEAG"J!R<9.<Y ."V !D
M@D*S*"%=@W^1!^R3_P $)O\ @KUX!_:M_9E\=>+?V#/C3HOA;P;^T%\&/%7B
M76;M/"GV/2- \/\ Q&\.:KK.J7;1>)99%MM/T^UN;N<I&[I#"^%8BO\ 7?C)
M+N2,9) (Z81V09_VC@D]L8^E '^8A_P=M?\ !+[Q-^SA^US?_M^_#K0(Y?@#
M^UKKNGQ>.9M'TR&VL/AO^T19^&XHM<L=86*>8-_PN*R\/ZA\1['5Y8H3J/BE
M?'MM=+%+;V4M]^5/_!&+_@L]\;O^"0?QHU'7]&TRZ^*7[.GQ-GM(/CA\ +K6
M/[%37_L-G-::)X]\#ZM<V&IV7A?X@>&);D>7=FQN+'Q=HD%SX5U^.T']B^(?
M#?\ KO?M ?L\?!7]J'X3^-?@A^T)\.?#OQ8^$OC_ $U]+\4^!_$]K)/I]_ 2
M9+>[L[JVGM-5T77=-N1'?Z'XBT'4-+\0>']3@@U30M3L-1ABN%_S_?\ @H;_
M ,&:_P <?"6OZMXZ_P"";OQ1\/?%[X?S+<WL?P1^-7B.U\(?%G1GDOF^SZ1X
M1\=KI4'P]\<Z?;VLCLUSXKU#X>ZG9PVB0^9XBO+D,@!_3_\ L\_\'*__  1X
M_:!T#2M6;]KG0O@IKVH&&&]\#?'_ $'7?AOK.B7KV/VR6&]U^ZTZ]\!7%M$%
MFM3J.G^+KW3VO;<1+*'O;..;R/\ :K_X.HO^"2/[._AS5'\!_&77OVJO'*6M
MTFE>!O@5X2UNXLKR]CD-O#%J7Q"\8:=X<\%:=93S'=)?:=J7B"YCLXVN+32+
MYI((IO\ /(\8?\$&?^"PO@C4GTO6?^"?7[0MY-%+?1_:/"WAJQ\;:9+_ &<X
MCGDBU3P=JNN6#V[LVZSF%V%OX6$MD)5#$>^? C_@V;_X++?'+6[#36_9.O?@
MYHMRMK-=>,/COXS\)_#[0-,MKEK4B:]TY-3UGQM.8X[M9)[/2/"&J:C"(;J)
MK(W,#P  _7?]E#_@\&_:%G_X* ZG\0_VM_#FF:1^PY\3K73? DOP=^'6F)K.
MJ_L[6%MJM_=:%\3] UV33;/Q)\2_$5D=3FM_B?#/%I[^+M$EBN/"WAW3[[PQ
MX<\/3_Z/.@:SIOB/0]%\1:/<&\TC7M(TW6=*O&M[FT>[TW5+.&^L;AK6]@M;
MRU,]K/%*;>[MK>YA+F.>"&57C7^3[_@DC_P:H?LW?L2^*/#GQ\_:Y\3Z#^UG
M^T5X5U+2O$/@;1(-%U'3/@-\*_$-@GF6^M:9X:UATOOB=XDTV]+7.A:_XYT^
MQT/1KF"PUC2O >F^(M/T_6;3^M9%*(BEBQ50I8DDM@8W$DDDG&2222<\F@!U
M%%% !1110 A .,@':<C(!P<$9&>AP2,CG!([TGEH>J(>"/NCH3N(Z="WS'U/
M/6G44 -VJ!@*H .0,# /KC'7WI< 9( RW+<#DX R?7@ <]@!TI:* $P.!@8'
M3CIQCCTXX^E+110 Q8XU.41%/3*JJG& ,9 '&%48_P!E?[HI]%% !117QG\>
M/^"AO[#7[+GC:W^'/[1_[7?[.OP.\>7>C6GB2W\%_%'XL^#?!GBB7P[J5U?V
MFFZV-&UK5+6^73+ZXTR_@M+MX5AG:UF*2,4(H ^RMB$@E5)' .T9 &0 #CC
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M]K5YX9UN+2]?T6YO-/O'TCQ%I&L:-J"PSLUKJ-A=6LP$L# 7?BC\5_AY\%?
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M^S.,$J"O_%D_ ><EB -H!+<YP#C)X/X!?\%+=6_9&_X*6_M^?%[]BO\ :?\
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M?"K0/^$IUG5)/&]A\0(/BE/I5UH?A3P9X;NK+6?#=UKVO>)?%NB6WAR'2]5
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' "BBB@#_V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>cofs-def14a_img002.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 cofs-def14a_img002.jpg
M_]C_X  02D9)1@ ! 0   0 !  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1"  R &X# 2(  A$! Q$!_\0
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8B@ HHHH **** "BBB@ HHHH **** /_9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>4
<FILENAME>cofs-def14a_img004.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 cofs-def14a_img004.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  (! 0(! 0(" @(" @(" P4# P,#
M P8$! ,%!P8'!P<&!P<("0L)" @*" <'"@T*"@L,# P,!PD.#PT,#@L,# S_
MVP!# 0(" @,# P8# P8," <(# P,# P,# P,# P,# P,# P,# P,# P,# P,
M# P,# P,# P,# P,# P,# P,# P,# S_P  1"  X -$# 2(  A$! Q$!_\0
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M(M8_:P^+>F_LS>#=8O;":_T^+6?&4]E&5FM-/<LMM&[ME8XG:.9W#?,XBCB
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M:A^TCKGCM;7X;?%C3[Z:.32-+\;RWML/"\2(!Y%I%&D]O_K5$OFM"LI,A!?
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MXB^'^GP:OXR4>)WN(KF>+4=/\^5Y[6**[1Q<1B"%X8P$< A1N!KUZZ_X)?\
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/ **** "BBB@ HHHH __9

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