Mr. C. James Bess

C. James Bess Mackinac Financial Corp Vice Chairman

Bess and Bittner, the nominees named below.
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Bess and Bittner are currently Directors of the Corporation, and its subsidiary, mBank (the "Bank"), and a member of the class of Directors of the Corporation whose term expires at the 2005 Annual Meeting.
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BESS AND BITTNER, THE TWO PERSONS NOMINATED BY THE BOARD.
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C. James Bess Vice Chairman of the Corporation,
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The Board has determined that all of the nominees and continuing Directors are independent under Nasdaq rules except Mr. Tobias, Chairman and Chief Executive Officer of the Corporation, Mr. Bess, Vice Chairman of the Corporation and President and Chief Executive Officer of the Bank and Mr. Stark, Executive Vice President and Chief Financial Officer of the Corporation and the Bank.
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Tobias, Bess and Stark are not independent because of their services as Executive Officers of the Corporation.

C. James BessMackinac Financial Corporation Vice Chairman