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                                                                    EXHIBIT 4(h)


                              CERTIFICATE OF TRUST
                                       OF
                      CONSUMERS ENERGY COMPANY FINANCING IV

         The undersigned, constituting all of the trustees of Consumers Energy
Company Financing III, desiring to form a business trust pursuant to the
Delaware Business Trust Act, 12 Del. C. Section 3801, et seq., hereby certify as
follows:

         (a)   Name. The name of the business trust being formed hereby (the
               "Trust") is "Consumers Energy Company Financing IV."

         (b)   Delaware Trustee. The name and business address of the trustee of
               the Trust which has its principal place of business in the State
               of Delaware are as follows:

               The Bank of New York (Delaware)
               White Clay Center, Route 273
               Newark, Delaware 19711

         (c)   Effective Date. This Certificate of Trust shall be effective as
               of the date of filing with the Secretary of State of the State of
               Delaware.

Dated: October 12, 1999

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        IN WITNESS WHEREOF, the undersigned, being the Trustees of the Trust,
have executed this Certificate of Trust as of the date first above written.


                                /s/ Alan M. Wright
                                ------------------------------------------------
                                Alan M. Wright, as Regular Trustee


                                /s/ Thomas A. McNish
                                ------------------------------------------------
                                Thomas A. McNish, as Regular Trustee


                                The Bank of New York (Delaware), as Delaware
                                    Trustee


                                By /s/ Walter N. Gitlin
                                   ---------------------------------------------
                                         Name: Walter N. Gitlin
                                         Title: Authorized Signatory