Bridget Clover

Sales Assistant

bclover@ibcp.com

Contact

Toll-Free: 800.300.0459

Office: 616.527.5818

Fax: 616.527.1190

230 West Main Street

Ionia, MI 48846

ibwealth@ibcp.com

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623 WASHINGTON AVENUE
BAY CITY, MI 48708

Registered Representative offering securities and insurance products through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera Investment Services is not affiliated with Independent Bank or its related companies. Advisory services may only be offered by Investment Adviser Representatives in connection with an appropriate Cetera Advisory Services Agreement and disclosure brochure as provided.

Investments are: *Not FDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency.

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Individuals affiliated with this broker/dealer firm are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.

Bridget Clover

Sales Assistant

616.522.8041

bclover@ibcp.com