Truth-in-Savings Disclosures Retail Checking & Savings Accounts Effective April 17, 2015

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1 This disclosure contains information about your deposit account. Unless it would be inconsistent to do so, words and phrases used in this disclosure should be construed so that the singular includes the plural and the plural includes the singular. The Bank may make a change in your Checking Account that will not affect your available balance, interest earnings, FDIC insurance, or bank statement. This Account will consist of a checking sub account and a savings sub account. For regulatory reporting purposes only, the Bank may periodically transfer funds between these two sub accounts. On a sixth transfer during a calendar month, any funds in the savings sub account will be transferred back to the checking sub account. If your Account is a Plan on which interest is paid, your interest calculation will remain the same. Otherwise, the savings sub account will be non interest bearing. The saving sub account will be governed by the rules governing our other savings accounts. Free Checking Community Checking An account maintenance fee of $5.00 will be imposed every month if your account does not maintain one of the following for the statement cycle; An average monthly balance of at least $ This account includes free wallet or duplicate logo checks. Interest Checking An account maintenance fee of $10.00 will be imposed every month if your account does not maintain the following; an average monthly balance of at least $1, during the statement cycle. Interest is paid on balances above $1, Please refer to the Personal Deposit Rate Sheet subtitled Checking Accounts for current Interest Rate information. This is an interest bearing account. We determine the interest rates at our discretion. At our discretion the interest rate and annual percentage Truth-in-Savings Disclosures Retail Checking & Savings Accounts Effective April 17, 2015 yield may is Interest is calculated on the daily balance and credited and compounded to the High Yield Checking An account maintenance fee of $12.00 will be imposed every month if your account does not maintain the following; an average monthly balance of at least $2, during the statement cycle. This account includes free wallet or duplicate logo checks. Interest is paid on balances above $2, Please refer to the Personal Deposit Rate Sheet subtitled Checking Accounts for current Interest Rate information. The interest rate and annual percentage yield for your account depend upon the applicable rate tier. This is an interest bearing account. We determine the interest rates at our discretion. At our discretion the interest rate and annual percentage yield may is Interest is calculated on the daily balance and credited and compounded to the Student Account Student Account Eligibility Requirements To qualify for the Student Account, you must meet the following requirements: Primary owner of the account must be between the ages of years of age at the time of account opening. Secondary owner of the account must be a parent or guardian with an existing deposit relationship with Mercantile Bank of Michigan. Secondary owner must sign an Indemnity Agreement For Accounts Held By a Minor form. Once the primary owner reaches 23 years of age, the account ceases to be a Student Account and will be switched to our basic personal checking account product. Mercantile Bank of Michigan agrees to notify the primary account owner of the account switch no later than 30 days prior to the effective date of the switch. Upon notification, a Truth-in-Savings Disclosure for the basic personal checking account product will be provided to the primary account owner. Transactions made by check on this account will not be permitted. Health Savings Account - Checking (Individual/Family) There are no minimum deposits to open this account. An account maintenance fee of $5.00 will be imposed every month if your account does not maintain one of the following during the statement cycle; An average monthly balance of at least $ Enrollment in electronic statements. A minimum of one customer initiated transaction. Customer initiated transactions include: deposits, withdrawals, checks, ATM withdrawals, ATM deposits, Debit Card transactions, ACH debits, ACH credits, and internet banking transfers. An early closure fee of $25.00 will be assessed if the account is closed within one year of the account opening date. Checking Accounts for current Interest Rate information. The interest rate and annual percentage yield for your account depend upon the applicable rate tier. This is an interest bearing account. At our discretion the interest rate and annual percentage yield may is Fees could reduce your earnings on your account. All accounts are subject to Mercantile Bank of Michigan approval. For current rate information call (888)

2 Money Market An account maintenance fee of $12.00 will be imposed every month if your account does not maintain an average monthly balance of at least $2, during the statement cycle. This is an interest bearing account. At our discretion the interest rate and annual percentage yield may You may make six (6) transfers from your account each monthly statement cycle if by preauthorized or automatic transfer, check, draft, debit card or similar order (including POS transactions) or telephone (including data transmission) agreement, order or instruction. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited. Community Savings An account maintenance fee of $3.00 will be imposed every month if your account does not maintain one of the following during the statement cycle; an average monthly balance of at least $ Enrollment in electronic statements. Savings Accounts for current Interest Rate information. This method applies a daily periodic rate to the principal in the account each You may make six (6) transfers from your account each monthly statement cycle if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited. Student Savings Student Account Eligibility Requirements To qualify for the Student Account, you must meet the following requirements: Primary owner of the account must be less than 18 years of age at the time of account opening. Secondary owner must sign an Indemnity Agreement For Accounts Held By a Minor form. Once the primary owner reaches 23 years of age, the account ceases to be a Student Savings and will be switched to our basic personal savings account product. Mercantile Bank of Michigan agrees to notify the primary account owner of the account switch no later than 30 days prior to the effective date of the switch. Upon notification, a Truth-in-Savings Disclosure for the basic personal savings account product will be provided to the primary account owner. This is an interest bearing account. At our discretion the interest rate and annual percentage yield may You may make six (6) transfers from your account each monthly statement cycle if by preauthorized or automatic transfer, check, draft, debit card or similar order (including POS transactions) or telephone (including data transmission) agreement, order or instruction. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited. IRA Savings/Beneficiary IRA Savings An early closure fee of $25.00 will be assessed if the account is closed within one year of the opening date. Please refer to the Personal Deposit Rate Sheet subtitled Personal Rates - This method applies a daily periodic rate to the principal in the account each You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited. MercClub Savings (6 or 12 month) You must deposit at least $1.00 to open this account. MercClub Eligibility Requirements You must have a checking or savings account with Mercantile Bank of Michigan attached to the MercClub account. At the end of each designated period, funds will be transferred to the linked account. Savings Accounts for current Interest Rate information. Interest is calculated on the daily balance and credited to the account at maturity. This method applies a daily periodic rate to the principal in the account each Maximum monthly deposit of $1, Deposits to the account are made over a designated 6 or 12 month period. You may not make any withdrawals from this account. Early Withdrawal Penalties A withdrawal from the account will result in a fee of $10.00 and all interest accrued will be forfeited. Withdrawals from the account before the period ends will result in account closure. Fees could reduce your earnings on your account. All accounts are subject to Mercantile Bank of Michigan approval. For current rate information call (888)

3 Personal Service Charge Disclosure Effective June 21, 2014 Account Balancing/Research $25/hr (1 hr minimum) Account Closed Within 90 Days- Savings $10.00 Cashier s Checks $5.00 Check Printing Varies Coin Counting 5% of total amount Collection Items $25.00 Dormant Fee $4.00 Endorsement Stamps Varies Foreign Draft $20.00 Foreign Draft Stop Payment $75.00 Garnishments and Levies $75.00 Money Orders $3.00 MyCard Debit Card/ Replacement Card $9.95 Paid NSF Item Fee (Imposed on overdrafts created by checks, inperson $30.00 withdrawals, and ACH items that are paid.) If your account balance at the end of a business day is overdrawn $10 or less, no per item overdraft fees are charged. You will not be charged for more than 6 paid NSF items per business Overdraft Protection Transfer from Savings or Checking $5.00 Re-deposited Item $5.00 Replacement ATM or Debit Card $5.00 Return Deposited Items $10.00 Returned NSF Item Fee (Imposed when checks & ACH items are returned $30.00 unpaid.) Stop Payment $30.00 Wire Transfer- Domestic Outgoing $30.00 Wire Transfer- Foreign Outgoing $40.00 Safe Deposit Box- Drilling Fee $ Safe Deposit Box- Duplicate or Lost Key $50.00 Safe Deposit Box Sizes* 2x5 $25.00 (Annually) 2x10 or 3x5 $30.00 (Annually) 3x10, 4x10, 4x4, 4x5, or 5x5 $40.00 (Annually) 5x9 or 5x10 $50.00 (Annually) 7x10 $65.00 (Annually) 10x10 $80.00 (Annually) 10x15 or 11x14 $ (Annually) *Safe Deposit Box size availability varies.

4 PERSONAL DEPOSIT RATES CHECKING ACCOUNTS As of September 21, 2015 Mercantile Bank of Michigan 310 Leonard NW Grand Rapids, MI Account Product Name Minimum Balance to Obtain Annual Percentage Yield Interest Rate Tiers Interest Rate Annual Percentage Yield Interest Checking $1, Daily Balance of: $ $ N/A N/A $1, and up 0.05% 0.05% High Yield Checking $2, Daily Balance of: $ $2, N/A N/A $2, $9, % 0.05% $10, $24, % 0.05% $25, $49, % 0.10% $50, and up 0.10% 0.10% Health Savings Account - Checking Minimum Opening Deposit: $0.00 Daily Balance of: $ $4, % 0.05% $5, $14, % 0.10% $15, and over 0.20% 0.20% Non-Interest Bearing Account Product Name Free Checking N/A N/A Community Checking N/A N/A Student Checking N/A N/A For checking and savings accounts, interest rates and annual percentage yields may change after account opening. Fees could reduce earnings on the account. Interest rates and Annual Percentage Yields are current as of the above date and may change after account opening. For current rate information, call (800)

5 PERSONAL DEPOSIT RATES SAVINGS ACCOUNTS Mercantile Bank of Michigan 310 Leonard NW Grand Rapids, MI As of September 21, 2015 Account Product Name Interest Rate Tiers Interest Rate Annual Percentage Yield Community Savings Daily Balance of: $0.01 and over 0.10% 0.10% Money Market Daily Balance of: $ $24, % 0.05% $25, $99, % 0.10% $100, and over 0.15% 0.15% Student Savings Daily Balance of: $0.01 and over 0.10% 0.10% Merc Club (6 and 12 month maturities) Minimum Opening Deposit: $1.00 Daily Balance of: $0.01 and over 0.25% 0.25% (Interest paid upon distribution) IRA Savings Daily Balance of: $ $24, % 0.05% $25, $99, % 0.10% $100, and over 0.15% 0.15% For checking and savings accounts, interest rates and annual percentage yields may change after account opening. Fees could reduce earnings on the account. Interest rates and Annual Percentage Yields are current as of the above date and may change after account opening. For current rate information, call (800)

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