0CONTACTChemical Financial CorporationLori A Gwizdala CFO989 839 5358

The Company operates through a single subsidiarybank, Chemical Bank, with 129 banking offices spread over 31 counties in thelower peninsula of Michigan. Chemical Financial Corporation common stock tradeson The Nasdaq Stock Market under the symbol CHFC and is one of the issuescomprising the Nasdaq Global Select Market.Forward-Looking StatementsThis report contains forward-looking statements that are based on management'sbeliefs, assumptions, current expectations, estimates and projections about thefinancial services industry, the economy, and Chemical Financial Corporationitself. Words such as "anticipates," "believes," "estimates," "expects,""forecasts," "intends," "is likely," "judgment," "plans," "predicts,""projects," "should," "will," variations of such words and similar expressionsare intended to identify such forward-looking statements. Management'sdetermination of the provision and allowance for loan losses involves judgmentsthat are inherently forward-looking.

These statements are not guarantees offuture performance and involve certain risks, uncertainties and assumptions("risk factors") that are difficult to predict with regard to timing, extent,likelihood and degree of occurrence. Therefore, actual results and outcomes maymaterially differ from what may be expressed or forecasted in suchforward-looking statements. Chemical Financial Corporation undertakes noobligation to update, amend or clarify forward-looking statements, whether as aresult of new information, future events or otherwise.Risk factors include, but are not limited to, the risk factors described in Item1A in Chemical Financial Corporation's Annual Report on Form 10-K for the yearended December 31, 2007, the timing and level of asset growth; changes inbanking laws and regulations; changes in tax laws; changes in prices, levies andassessments; the impact of technological advances and issues; governmental andregulatory policy changes; opportunities for acquisitions and the effectivecompletion of acquisitions and integration of acquired entities; the possibilitythat anticipated cost savings and revenue enhancements from acquisitions,restructurings, reorganizations and bank consolidations may not be realizedfully or at all or within expected time frames; the local and global effects ofthe ongoing war on terrorism and other military actions, including actions inIraq; and current uncertainties and fluctuations in the financial markets andstocks of financial services providers due to concerns about credit availabilityand concerns about the Michigan economy in particular. These and other factorsare representative of the risk factors that may emerge and could cause adifference between an ultimate actual outcome and a preceding forward-lookingstatement.-0-CONTACT:Chemical Financial CorporationLori A Gwizdala, CFO989 839 5358. NEW YORK, Jan. Banker's Academy for Individuals, http://, features bank training courses suchas teller training, compliance training, Islamic Banking training, lendingtraining, sales training and customer service training.

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