<SEC-DOCUMENT>0000842517-19-000023.txt : 20190212
<SEC-HEADER>0000842517-19-000023.hdr.sgml : 20190212
<ACCEPTANCE-DATETIME>20190212153930
ACCESSION NUMBER:		0000842517-19-000023
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		5
CONFORMED PERIOD OF REPORT:	20190206
ITEM INFORMATION:		Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20190212
DATE AS OF CHANGE:		20190212

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			ISABELLA BANK Corp
		CENTRAL INDEX KEY:			0000842517
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				382830092
		STATE OF INCORPORATION:			MI
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-18415
		FILM NUMBER:		19590491

	BUSINESS ADDRESS:	
		STREET 1:		401 NORTH MAIN STREET
		CITY:			MT PLEASANT
		STATE:			MI
		ZIP:			48858
		BUSINESS PHONE:		9897729471

	MAIL ADDRESS:	
		STREET 1:		401 NORTH MAIN STREET
		CITY:			MT PLEASANT
		STATE:			MI
		ZIP:			48858

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ISABELLA BANK CORP
		DATE OF NAME CHANGE:	20080602

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	IBT BANCORP INC /MI/
		DATE OF NAME CHANGE:	19920703
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>isba_8kx2019xmcdonnellserp.htm
<DESCRIPTION>8-K
<TEXT>
<!DOCTYPE html PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3.org/TR/html4/loose.dtd">
<html>
	<head>
		<!-- Document created using Wdesk 1 -->
		<!-- Copyright 2019 Workiva -->
		<title>Document</title>
	</head>
	<body style="font-family:Times New Roman;font-size:10pt;">
<div><a name="s7244954ED2905B79BDE0FB046A5EC176"></a></div><div><div style="line-height:120%;padding-bottom:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;padding-bottom:0px;padding-top:4px;text-align:center;font-size:18pt;"><font style="font-family:inherit;font-size:18pt;font-weight:bold;">UNITED STATES</font></div><div style="line-height:120%;padding-bottom:0px;text-align:center;font-size:18pt;"><font style="font-family:inherit;font-size:18pt;font-weight:bold;">SECURITIES AND EXCHANGE COMMISSION</font></div><div style="line-height:120%;padding-bottom:0px;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Washington, D.C. 20549</font></div><div style="line-height:120%;padding-bottom:0px;text-align:center;padding-left:0px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:27.77777777777778%;border-collapse:collapse;text-align:left;"><tr><td colspan="1"></td></tr><tr><td style="width:100%;"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr></table></div></div><div style="line-height:120%;padding-bottom:0px;text-align:center;font-size:18pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font><font style="font-family:inherit;font-size:18pt;font-weight:bold;">FORM 8-K</font></div><div style="line-height:120%;padding-bottom:0px;text-align:center;padding-left:0px;font-size:10pt;"><font style="font-family:inherit;font-size:9pt;">&#160;</font><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:27.77777777777778%;border-collapse:collapse;text-align:left;"><tr><td colspan="1"></td></tr><tr><td style="width:100%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr></table></div></div><div style="line-height:120%;padding-bottom:0px;padding-top:12px;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">CURRENT REPORT</font></div><div style="line-height:120%;padding-bottom:0px;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Pursuant to Section&#160;13 or 15(d)</font></div><div style="line-height:120%;padding-bottom:0px;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">of the Securities Exchange Act of 1934</font></div><div style="line-height:120%;padding-bottom:0px;padding-top:12px;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Date of Report (Date of earliest event reported): February 6, 2019 </font></div><div style="line-height:120%;padding-bottom:0px;text-align:center;padding-left:0px;font-size:10pt;"><font style="font-family:inherit;font-size:9pt;">&#160;</font><font style="font-family:inherit;font-size:10pt;">&#160;</font><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:27.77777777777778%;border-collapse:collapse;text-align:left;"><tr><td colspan="1"></td></tr><tr><td style="width:100%;"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr></table></div></div><div style="line-height:120%;padding-bottom:0px;text-align:center;font-size:24pt;"><font style="font-family:inherit;font-size:24pt;font-weight:bold;">ISABELLA BANK CORPORATION</font></div><div style="line-height:120%;padding-bottom:0px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">(Exact name of registrant as specified in its charter)</font></div><div style="line-height:120%;padding-bottom:0px;text-align:center;padding-left:0px;font-size:10pt;"><font style="font-family:inherit;font-size:9pt;">&#160;</font><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:27.77777777777778%;border-collapse:collapse;text-align:left;"><tr><td colspan="1"></td></tr><tr><td style="width:100%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr></table></div></div><div style="line-height:120%;padding-bottom:0px;padding-top:12px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">MICHIGAN</font></div><div style="line-height:120%;padding-bottom:0px;text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">(State or other jurisdiction of incorporation)</font></div><div style="line-height:120%;padding-bottom:0px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">&#160;</font></div><div style="line-height:120%;padding-bottom:0px;padding-left:0px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:98.08429118773945%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td style="width:49%;"></td><td style="width:3%;"></td><td style="width:48%;"></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">000-18415</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">38-2830092</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">(Commission</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">File Number)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">(IRS Employer</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Identification No.)</font></div></td></tr></table></div></div><div style="line-height:120%;padding-bottom:0px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">&#160;</font></div><div style="line-height:120%;padding-bottom:0px;padding-left:0px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:98.08429118773945%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td style="width:49%;"></td><td style="width:3%;"></td><td style="width:48%;"></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">401 North Main Street, Mt. Pleasant, Michigan</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">48858-1649</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">(Address of principal executive offices)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">(Zip Code)</font></div></td></tr></table></div></div><div style="line-height:120%;padding-bottom:0px;padding-top:12px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Registrant&#8217;s telephone number, including area code: (989)&#160;772-9471</font></div><div style="line-height:120%;padding-bottom:0px;padding-top:12px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Not Applicable</font></div><div style="line-height:120%;padding-bottom:0px;text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">(Former name or former address if changed since last report)</font></div><div style="line-height:120%;padding-bottom:0px;text-align:center;padding-left:0px;font-size:10pt;"><font style="font-family:inherit;font-size:9pt;">&#160;</font><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:27.77777777777778%;border-collapse:collapse;text-align:left;"><tr><td colspan="1"></td></tr><tr><td style="width:100%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr></table></div></div><div style="line-height:120%;padding-bottom:8px;padding-top:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</font><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="2"></td></tr><tr><td style="width:6%;"></td><td style="width:94%;"></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:Wingdings;font-size:10pt;">&#168;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</font></div></td></tr></table></div></div><div style="line-height:120%;padding-bottom:8px;padding-left:0px;text-indent:0px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="2"></td></tr><tr><td style="width:6%;"></td><td style="width:94%;"></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:Wingdings;font-size:10pt;">&#168;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Soliciting material pursuant to Rule l4a-12 under the Exchange Act (17 CFR 240.l4a-l2)</font></div></td></tr></table></div></div><div style="line-height:120%;padding-bottom:8px;padding-left:0px;text-indent:0px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="2"></td></tr><tr><td style="width:6%;"></td><td style="width:94%;"></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:Wingdings;font-size:10pt;">&#168;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Pre-commencement communications pursuant to Rule l4d-2(b) under the Exchange Act (17 CFR 240.l4d-2(b))</font></div></td></tr></table></div></div><div style="line-height:120%;padding-bottom:12px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="2"></td></tr><tr><td style="width:6%;"></td><td style="width:94%;"></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:Wingdings;font-size:10pt;">&#168;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.l3e-4(c))</font></div></td></tr></table></div></div><div style="line-height:120%;padding-bottom:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Indicate by check mark whether the registrant is an emerging growth company as defined by Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (&#167;240.12b-2 of this chapter).</font><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td style="width:69%;"></td><td style="width:25%;"></td><td style="width:6%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:middle;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Emerging growth company</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:Wingdings;font-size:10pt;">&#168;</font></div></td></tr></table></div></div><div style="line-height:120%;padding-bottom:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standard provided pursuant to Section 13(a) of the Exchange Act.     </font><font style="font-family:Wingdings;font-size:10pt;">&#168;</font></div><div><br></div><div><div style="line-height:120%;padding-bottom:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div><div style="line-height:120%;padding-bottom:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;padding-bottom:0px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Section&#160;5 - Corporate Governance and Management</font></div><div style="line-height:120%;padding-bottom:12px;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Item&#160;5.02 Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers.</font></div><div style="line-height:120%;padding-bottom:12px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(e)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10pt;font-style:italic;">The Supplemental Executive Retirement Plan</font></div><div style="line-height:120%;padding-bottom:12px;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">On January 29, 2019, the registrant made an immaterial amendment to the Isabella Bank Corporation Supplemental Executive Retirement Plan (&#8220;Plan&#8221;) to change the manner in which interest is calculated on a Participant&#8217;s Plan account balance.  Prior to the amendment interest was calculated based on the average rate paid on certificates of deposit with Isabella Bank as of October 31 of the current plan year.  The amendment changed the interest calculation to the Federated Investor&#8217;s Institutional Money Market Management Fund yield (MMPXX) of the current plan year.  The foregoing change is effective for the plan year beginning January 1, 2019.</font></div><div style="line-height:120%;padding-bottom:12px;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">On February 6, 2019, the registrant entered into a participation agreement under the Plan with Neil M. McDonnell, a named executive officer of the registrant (the &#8220;Participation Agreement&#8221;).  Under the Participation Agreement, the registrant agreed to make ten annual credits to Mr. McDonnell&#8217;s Plan account.  The ten annual credits total $250,000.  Similar to previous agreements, the Participation Agreement provides that Mr. McDonnell&#8217;s early retirement age under the Plan is age 55 and that his normal retirement age under the Plan is age 65.  The Participation Agreement replaces the Plan&#8217;s default form of payment upon Mr. McDonnell&#8217;s separation from service with the form of five annual installments, consistent with previous agreements.  The Participation Agreement also authorizes the registrant to &#8220;clawback&#8221; excessive benefits in certain situations.</font></div><div style="line-height:120%;padding-bottom:12px;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"></font><font style="font-family:inherit;font-size:10pt;font-style:italic;">The Stock Award Incentive Plan</font></div><div style="line-height:120%;padding-bottom:12px;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">On February 6, 2019, the registrant adopted a restated Isabella Bank Corporation Stock Award Incentive Plan (&#8220;Incentive Plan&#8221;) to add the registrant&#8217;s chief financial officer as an eligible employee and clarify the 10% potential payout formula.</font></div><div style="line-height:120%;padding-bottom:12px;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The foregoing brief descriptions of the Plan amendment, Participation Agreement, and Incentive Plan restatement are qualified in their entirety by reference to the text of the Plan amendment, a copy of which is attached as Exhibit 10.1, the text of the Participation Agreement which is attached as Exhibit 10.2, and the text of the Incentive Plan restatement, a copy of which is attached as Exhibit 10.3.</font></div><div style="line-height:120%;padding-bottom:0px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Section&#160;9 - Financial Statements and Exhibits</font></div><div style="line-height:120%;padding-bottom:12px;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Item&#160;9.01 Financial Statements and Exhibits.</font></div><div style="line-height:120%;padding-bottom:12px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(d)&#160;&#160;&#160;&#160;Exhibits:</font><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td style="width:6%;"></td><td style="width:1%;"></td><td style="width:93%;"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Exhibit</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">No.</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Description</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><a style="font-family:inherit;font-size:10pt;" href="supplementalexecutiveretir.htm"><font style="font-family:inherit;font-size:10pt;">10.1</font></a></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="font-family:inherit;font-size:10pt;" href="supplementalexecutiveretir.htm"><font style="font-family:inherit;font-size:10pt;">Amendment to the Isabella Bank Corporation Supplemental Executive Retirement Plan</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><a style="font-family:inherit;font-size:10pt;" href="serpparticipationagreement.htm"><font style="font-family:inherit;font-size:10pt;">10.2</font></a></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="font-family:inherit;font-size:10pt;" href="serpparticipationagreement.htm"><font style="font-family:inherit;font-size:10pt;">Participation Agreement for Neil M. McDonnell</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><a style="font-family:inherit;font-size:10pt;" href="stockawardincentiveplan_20.htm"><font style="font-family:inherit;font-size:10pt;">10.3</font></a></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="font-family:inherit;font-size:10pt;" href="stockawardincentiveplan_20.htm"><font style="font-family:inherit;font-size:10pt;">Restatement of the Isabella Bank Corporation Stock Award Incentive Plan</font></a></div></td></tr></table></div></div><div style="line-height:120%;padding-bottom:0px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-bottom:0px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">SIGNATURES</font></div><div style="line-height:120%;padding-bottom:0px;padding-top:12px;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</font><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="6"></td></tr><tr><td style="width:6%;"></td><td style="width:27%;"></td><td style="width:28%;"></td><td style="width:4%;"></td><td style="width:2%;"></td><td style="width:33%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">ISABELLA BANK CORPORATION</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Dated: </font></div></td><td style="vertical-align:bottom;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">February 12, 2019</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">By:</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">/s/ Jae A. Evans</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Jae A. Evans, President &amp; CEO</font></div></td></tr></table></div></div><div><br></div><div><div style="line-height:120%;padding-bottom:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div>	</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.1
<SEQUENCE>2
<FILENAME>supplementalexecutiveretir.htm
<DESCRIPTION>EXHIBIT 10.1
<TEXT>
<!DOCTYPE html PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3.org/TR/html4/loose.dtd">
<html>
	<head>
		<!-- Document created using Wdesk 1 -->
		<!-- Copyright 2019 Workiva -->
		<title>Exhibit</title>
	</head>
	<body style="font-family:Times New Roman;font-size:10pt;">
<div><a name="s1B09CAB2A4F350FDBEDC37F102F90B51"></a></div><div style="line-height:120%;padding-top:17px;text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Exhibit 10.1</font></div><div style="line-height:120%;padding-top:17px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">ISABELLA BANK CORPORATION</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-top:17px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">The Isabella Bank Corporation Supplemental Executive Retirement Plan is hereby amended effective January 1, 2019 as described below.</font></div><div style="line-height:120%;padding-top:17px;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Section 5.3 shall be changed to:</font></div><div style="line-height:120%;padding-top:17px;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;text-decoration:underline;">Interest</font><font style="font-family:inherit;font-size:10pt;font-weight:bold;">.</font><font style="font-family:inherit;font-size:10pt;">&#32;&#32;As of the last day of each Plan Year, the Company shall credit each Participant&#8217;s SERP Account with interest on the Participant&#8217;s SERP Account Balance equal to a rate established by the Committee as of the first business day of the Plan Year, compounded annually.  Unless changed by the Committee, the interest rate shall be based on Federated Investor's Institutional Money Market Management Fund yield (MMPXX) of the current Plan Year, and shall adjust annually as of the first business day of each Plan Year thereafter.</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="5"></td></tr><tr><td style="width:8%;"></td><td style="width:33%;"></td><td style="width:10%;"></td><td style="width:7%;"></td><td style="width:42%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">ISABELLA BANK CORPORATION</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Dated:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">January 29, 2019</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">By:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">/s/ David J. Maness</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Its:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Chairman of the Board of Directors</font></div></td></tr></table></div></div><div><br></div>	</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.2
<SEQUENCE>3
<FILENAME>serpparticipationagreement.htm
<DESCRIPTION>EXHIBIT 10.2
<TEXT>
<!DOCTYPE html PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3.org/TR/html4/loose.dtd">
<html>
	<head>
		<!-- Document created using Wdesk 1 -->
		<!-- Copyright 2019 Workiva -->
		<title>Exhibit</title>
	</head>
	<body style="font-family:Times New Roman;font-size:10pt;">
<div><a name="s11D64B58C83253BE8514E127F39E2503"></a></div><div style="line-height:120%;text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Exhibit 10.2</font></div><div style="line-height:120%;text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">ISABELLA BANK CORPORATION</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">PARTICIPATION AGREEMENT</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">FOR </font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">NEIL MCDONNELL</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">(KEY EMPLOYEE)</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">January 23, 2019</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">This Participation Agreement is entered into effective as of January 23, 2019, by Neil McDonnell</font><font style="font-family:inherit;font-size:10pt;font-weight:bold;">&#32;</font><font style="font-family:inherit;font-size:10pt;">(the &#8220;</font><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">Participant</font><font style="font-family:inherit;font-size:10pt;">&#8221;) and Isabella Bank Corporation (together with any successors and affiliates, the &#8220;</font><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">Company</font><font style="font-family:inherit;font-size:10pt;">&#8221;) pursuant to the Isabella Bank Corporation Supplemental Executive Retirement Plan (&#8220;</font><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">Plan</font><font style="font-family:inherit;font-size:10pt;">&#8221;), as amended from time to time.  </font></div><div style="line-height:120%;padding-top:17px;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">1.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10pt;font-weight:bold;text-decoration:underline;">Agreement</font><font style="font-family:inherit;font-size:10pt;font-weight:bold;">.</font><font style="font-family:inherit;font-size:10pt;">&#32;&#32;The Participant and the Company agree to be bound by the terms of the Plan and the terms of this Participation Agreement with respect to the Participant&#8217;s participation in and benefits under the Plan.  The terms of the Plan are incorporated into this Participation Agreement by reference.  Capitalized terms not otherwise defined in this Participation Agreement have the meaning given in the Plan.  In the event of a conflict between the terms of the Plan and the terms of this Participation Agreement, the terms of the Plan shall control except as specifically provided otherwise in the Plan or this Participation Agreement.</font></div><div style="line-height:120%;padding-top:17px;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10pt;font-weight:bold;text-decoration:underline;">Effective Date of Participation</font><font style="font-family:inherit;font-size:10pt;font-weight:bold;">.</font><font style="font-family:inherit;font-size:10pt;">&#32;&#32;The Participant&#8217;s participation in the Plan and this Participation Agreement commence effective as of January 23, 2019. </font></div><div style="line-height:120%;padding-top:17px;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">3.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10pt;font-weight:bold;text-decoration:underline;">Early Retirement Age</font><font style="font-family:inherit;font-size:10pt;font-weight:bold;">.</font><font style="font-family:inherit;font-size:10pt;">&#32;&#32;The Participant&#8217;s Early Retirement Age is age 55.</font></div><div style="line-height:120%;padding-top:17px;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">4.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10pt;font-weight:bold;text-decoration:underline;">Normal Retirement Age</font><font style="font-family:inherit;font-size:10pt;font-weight:bold;">.</font><font style="font-family:inherit;font-size:10pt;">&#32;&#32;The Participant&#8217;s Normal Retirement Age is age 65.</font></div><div style="line-height:120%;padding-top:17px;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">5.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10pt;font-weight:bold;text-decoration:underline;">Annual Credit</font><font style="font-family:inherit;font-size:10pt;font-weight:bold;">.</font><font style="font-family:inherit;font-size:10pt;">&#32;&#32;Schedule A sets forth the Participant&#8217;s Annual Credits to be made at the end of each of the first ten (10) Plan Years commencing with the Plan Year that ends on December 31, 2018.  The Company will, on the last day of each such Plan Year, credit the Participant&#8217;s SERP Account with the Participant's Annual Credit only: (a)  if the Participant is employed as of the last day of the Plan Year by the Company, and (b) if such employment is as the Company&#8217;s chief executive officer.   Notwithstanding the foregoing, after a Change in Control that occurs while the Participant is employed by the Company as its chief executive officer, the Company: (a) will continue to  credit the Participant's SERP Account with uncredited Annual Credits in accordance with Schedule A if the Participant is employed as of the last day of each relevant Plan Year by the Company or its Affiliates, and (b) will credit the Participant&#8217;s SERP Account with all of the uncredited (as of a Separation from Service described below) Annual Credits that are set forth in Schedule A if the Participant incurs (after such Change in Control) either: (i) an involuntary Separation from Service without Cause, or (ii) a voluntary Separation from Service with Good Reason.</font></div><div style="line-height:120%;padding-top:17px;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">6.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10pt;font-weight:bold;text-decoration:underline;">Discretionary Credits</font><font style="font-family:inherit;font-size:10pt;font-weight:bold;">.</font><font style="font-family:inherit;font-size:10pt;">&#32;&#32;The Board may, in its sole discretion, allocate Discretionary Credits to the Participant&#8217;s SERP Account from time to time in accordance with </font><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">Section 5.2</font><font style="font-family:inherit;font-size:10pt;">&#32;of the Plan.</font></div><div style="line-height:120%;padding-top:17px;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">7.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10pt;font-weight:bold;text-decoration:underline;">Earnings</font><font style="font-family:inherit;font-size:10pt;font-weight:bold;">.</font><font style="font-family:inherit;font-size:10pt;">&#32;&#32;The Participant&#8217;s SERP Account will be credited with interest pursuant to </font><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">Section 5.3</font><font style="font-family:inherit;font-size:10pt;">&#32;of the Plan.  </font></div><div style="line-height:120%;padding-top:17px;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">8.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10pt;font-weight:bold;text-decoration:underline;">Vesting</font><font style="font-family:inherit;font-size:10pt;font-weight:bold;">.</font><font style="font-family:inherit;font-size:10pt;">&#32;&#32;The Plan&#8217;s default vesting rules in </font><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">Section 3.2</font><font style="font-family:inherit;font-size:10pt;">&#32;will apply to the Participant&#8217;s SERP Account.  No special vesting schedule will apply.</font></div><div><br></div><hr style="page-break-after:always"><div><br></div><div style="line-height:120%;padding-top:17px;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">9.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10pt;font-weight:bold;text-decoration:underline;">Clawback</font><font style="font-family:inherit;font-size:10pt;font-weight:bold;">.</font><font style="font-family:inherit;font-size:10pt;">&#32;&#32;In the event that the Committee determines, in its sole discretion, that a Clawback Event has occurred and that the Participant has been paid or is entitled to a benefit under the Plan or this Participation Agreement that exceeds the benefit that the Participant would have been paid or to which the Participant would have been entitled had the Clawback Event not occurred, then the Committee may require the Participant to repay and/or forfeit the portion of the benefit that the Committee determines, in its sole discretion, to have been excessive.  A &#8220;</font><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">Clawback Event</font><font style="font-family:inherit;font-size:10pt;">&#8221; has occurred if the Committee determines, in its sole discretion, that either  (a) the Company is required to prepare an accounting restatement due to the Company&#8217;s material noncompliance with any financial reporting requirement, if the Participant had knowledge of or control over the circumstances resulting in such noncompliance, (b) a financial statement, performance goal or performance metric was materially inaccurate, or (c) the Participant has materially violated any of the provisions of Section 10.13 of the Plan.  The Committee shall have sole discretion to determine whether, and to what extent, to enforce this </font><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">Section 9</font><font style="font-family:inherit;font-size:10pt;">, and may make determinations that are not uniform among the Company&#8217;s employees, and the Participant shall be bound by the Committee&#8217;s determination, which shall be final when made.</font></div><div style="line-height:120%;padding-top:17px;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">10.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10pt;font-weight:bold;text-decoration:underline;">Time and Form of Payment Elections</font><font style="font-family:inherit;font-size:10pt;font-weight:bold;">.</font><font style="font-family:inherit;font-size:10pt;">&#32;&#32;The Plan&#8217;s default time and form of payment rules in </font><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">Article VI</font><font style="font-family:inherit;font-size:10pt;">&#32;of the Plan will apply to the Participant&#8217;s entire SERP Account, with one exception.  If payment commences upon the Participant&#8217;s Separation from Service, the form of payment shall be five (5) annual installments.  Subsequent annual installments are to be paid within 30 days of the appropriate anniversary of the date on which the first installment would have been paid disregarding any required delay under </font><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">Section 6.3</font><font style="font-family:inherit;font-size:10pt;">&#32;of the Plan.  No other special elections are made by the Participant; provided that the Participant may modify the time and form of payment under </font><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">Section 6.4</font><font style="font-family:inherit;font-size:10pt;">&#32;of the Plan.</font></div><div style="line-height:120%;padding-top:17px;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">11.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10pt;font-weight:bold;text-decoration:underline;">Beneficiary Designation</font><font style="font-family:inherit;font-size:10pt;font-weight:bold;">.</font><font style="font-family:inherit;font-size:10pt;">&#32;&#32;The Participant&#8217;s initial Beneficiary designation is attached.  The Participant may update the Participant&#8217;s Beneficiary designation from time to time in accordance with the terms of the Plan.</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-bottom:16px;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">12.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10pt;font-weight:bold;text-decoration:underline;">Definition of Cause</font><font style="font-family:inherit;font-size:10pt;font-weight:bold;">.</font><font style="font-family:inherit;font-size:10pt;">&#32;&#32;With respect to the Participant, &#8220;</font><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">Cause</font><font style="font-family:inherit;font-size:10pt;">&#8221; for purposes of the Plan and this Participation Agreement has the meaning given in any employment agreement between the Participant and the Company, but if the Participant is not a party to an employment agreement with the Company in which &#8220;</font><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">Cause</font><font style="font-family:inherit;font-size:10pt;">&#8221; is defined, the term &#8220;</font><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">Cause</font><font style="font-family:inherit;font-size:10pt;">&#8221; means the existence of any of the following circumstances: </font></div><div style="line-height:120%;padding-bottom:16px;text-align:left;text-indent:96px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">a.&#160;&#160;&#160;&#160;the conviction of the Participant by a court of competent jurisdiction of, or the Participant&#8217;s guilty plea or plea of no lo contendere to, any (1) felony or (2) crime that involves moral turpitude; </font></div><div style="line-height:120%;padding-bottom:16px;text-align:left;text-indent:96px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">b.&#160;&#160;&#160;&#160;the Participant&#8217;s gross failure or gross refusal to perform the usual and customary duties of the Participant&#8217;s employment; </font></div><div style="line-height:120%;padding-bottom:16px;text-align:left;text-indent:96px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">c.&#160;&#160;&#160;&#160;the Participant&#8217;s material breach of any agreement between the Participant and the Company; </font></div><div style="line-height:120%;padding-bottom:16px;text-align:left;text-indent:96px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">d. &#160;&#160;&#160;&#160;the Participant&#8217;s theft, embezzlement, or misappropriation from the Company; or </font></div><div style="line-height:120%;padding-bottom:16px;text-align:left;text-indent:96px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">e.&#160;&#160;&#160;&#160;conduct by the Participant that is unprofessional, unethical, immoral, dishonest, or fraudulent, or which significantly discredits the Company&#8217;s reputation.  </font></div><div style="line-height:120%;padding-bottom:16px;text-align:left;text-indent:96px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Notwithstanding the foregoing, a condition that is described in clauses (b), (c), or (e) of the preceding sentence shall not constitute &#8220;</font><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">Cause</font><font style="font-family:inherit;font-size:10pt;">&#8221; unless the Participant:  (i) receives written notice of the offending condition; and (ii) the Participant either (1) fails to cure the condition within 30-calendar days from receipt by the Participant of the notice, or (2) cannot cure the condition within such 30-day period, as determined by the Company.</font></div><div style="line-height:120%;padding-top:17px;text-align:left;text-indent:34px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">13. &#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10pt;font-weight:bold;text-decoration:underline;">Good Reason</font><font style="font-family:inherit;font-size:10pt;font-weight:bold;">.  </font><font style="font-family:inherit;font-size:10pt;">The term &#8220;Good Reason&#8221; means the existence of any of the following circumstances during the six-month period that precedes a voluntary Separation from Service by the Participant:</font></div><div><br></div><hr style="page-break-after:always"><div><br></div><div style="line-height:120%;padding-top:17px;text-align:left;text-indent:96px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">a.&#160;&#160;&#160;&#160;a material diminution in the Participant&#8217;s base compensation;</font></div><div style="line-height:120%;padding-top:17px;text-align:left;text-indent:96px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">b.&#160;&#160;&#160;&#160;a change by more than fifty miles in the primary geographic location at which the Participant must perform his services; or</font></div><div style="line-height:120%;padding-top:17px;text-align:left;text-indent:96px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">c.&#160;&#160;&#160;&#160;the Company&#8217;s material breach of its responsibilities and obligations set forth in any employment agreement or any other material agreement between the Participant and Company.</font></div><div style="line-height:120%;padding-top:17px;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Notwithstanding the foregoing, a condition will not constitute &#8220;Good Reason&#8221; unless the Company: (i) receives written notice of the offending condition within a reasonable time of the Participant&#8217;s learning of the event; and (ii) the Company fails to cure the condition that constitutes &#8220;Good Reason&#8221; within a reasonable period of time to be no less than thirty calendar days from receipt by the Company of the notice.</font></div><div style="line-height:120%;padding-top:17px;text-align:left;text-indent:34px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">14.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10pt;font-weight:bold;text-decoration:underline;">Restrictive Covenants</font><font style="font-family:inherit;font-size:10pt;">. </font></div><div style="line-height:120%;padding-top:17px;text-align:left;text-indent:96px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">a.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">General Rule</font><font style="font-family:inherit;font-size:10pt;">.  In consideration of the crediting of amounts to the Participant&#8217;s SERP Account and the Company&#8217;s agreement to make payments under this Plan and the Participation Agreement, the Participant agrees that, until the later of (i) two (2) years after the Participant&#8217;s Separation from Service for any reason, and (ii) the date on which the Participant is paid all amounts that are owed under this Plan, the Participant will not, whether directly or indirectly as an owner, partner, limited partner, joint venturer, shareholder, member, trustee, lender consultant, officer, director, independent contractor, employee or other agent of another Person: </font></div><div style="line-height:120%;padding-top:17px;text-align:left;text-indent:144px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">i.&#160;&#160;&#160;&#160;solicit, offer employment to, or take any other action intended (or that a reasonable person acting in like circumstances would expect) to have the effect of causing any officer or employee of the Company to terminate his or her employment and accept employment or otherwise become affiliated with, or provide services for compensation in any capacity whatsoever to, any business whatsoever that competes with the business of the Company which has headquarters or offices within 25 miles of any location(s) in which the Company has business operations or has filed an application for regulatory approval to establish an office (the &#8220;</font><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">Restricted Territory</font><font style="font-family:inherit;font-size:10pt;">&#8221;);</font></div><div style="line-height:120%;padding-top:17px;text-align:left;text-indent:144px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">ii.&#160;&#160;&#160;&#160;solicit, provide any information, advice or recommendation, or take any other action intended (or that a reasonable person acting in like circumstances would expect) to have the effect of causing any customer of the Company to terminate an existing business or commercial relationship with the Company; or </font></div><div style="line-height:120%;padding-top:17px;text-align:left;text-indent:144px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">iii.&#160;&#160;&#160;&#160;become an owner, partner, limited partner, joint venturer, shareholder, member, trustee, lender consultant, officer, director, independent contractor, employee or other agent of any savings bank, savings and loan association, savings and loan holding company, credit union, bank or bank holding company, insurance company or agency, mortgage or loan broker or any other entity that competes with the business of the Company, that: (i) has headquarters within the Restricted Territory, or (ii) has one or more offices, but is not headquartered, within the Restricted Territory, but in the latter case, only if the Participant would be employed, conduct business or have other responsibilities or duties within the Restricted Territory.</font></div><div style="line-height:120%;padding-top:17px;text-align:left;text-indent:96px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">b.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">Confidentiality</font><font style="font-family:inherit;font-size:10pt;">.  In consideration of the crediting of amounts to the Participant&#8217;s SERP Account and the Company&#8217;s agreement to make payments under this Plan and the Participant&#8217;s Participation Agreement, the Participant agrees not to, while employed by the Company or after Separation from Service for any reason, directly or indirectly, use or furnish to anyone (except as required in the ordinary course of performing the Participant&#8217;s employment duties for the Company) any confidential information or trade secrets relating to the Company&#8217;s business (collectively &#8220;</font><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">Confidential Information</font><font style="font-family:inherit;font-size:10pt;">&#8221;), which Confidential Information includes information relating to the Company&#8217;s systems, processes, and rates; trade secrets; contracts with customers and vendors; design, production, sale, or distribution of any products and services; personnel and their compensation and employment arrangements; identity of, or products purchased by, or rates and prices paid by, customers and potential customers of the Company; and all other private matters pertaining to the Company.</font></div><div><br></div><hr style="page-break-after:always"><div><br></div><div style="line-height:120%;padding-top:17px;text-align:left;text-indent:96px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">c.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">Construction and Relief</font><font style="font-family:inherit;font-size:10pt;">.  If a provision in this </font><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">Section 14</font><font style="font-family:inherit;font-size:10pt;">&#32;is found by any court with jurisdiction to be too broad in duration, scope, or otherwise, then the court is to amend the offending provision to the minimum extent necessary to make it reasonable and enforceable, and the offending provision is to be fully enforceable as amended.</font></div><div style="line-height:120%;padding-top:17px;text-align:left;text-indent:96px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">d.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">Remedies</font><font style="font-family:inherit;font-size:10pt;">.  In consideration of the crediting of amounts to the Participant&#8217;s SERP Account and the Company&#8217;s agreement to make payments under this Plan, the Participant agrees that, notwithstanding any provision of the Plan or any Participation Agreement to the contrary and in addition to the Company&#8217;s other remedies at law and in equity, the Participant will forfeit the Participant&#8217;s entire interest in the Plan, including any rights to unpaid amounts credited to the Account and unpaid installment payments, effective upon the Participant&#8217;s breach of this </font><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">Section 14</font><font style="font-family:inherit;font-size:10pt;">, regardless of whether any rights or payments were previously vested.  In addition, the Company will be entitled to preliminary and permanent injunctive and other equitable relief to prevent or curtail any breach of any provision of this </font><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">Section 14</font><font style="font-family:inherit;font-size:10pt;">&#32;by the Participant.  The Participant agrees that damages for a breach of the provisions of this </font><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">Section 14</font><font style="font-family:inherit;font-size:10pt;">&#32;would be difficult or impossible to determine and that the Company has no adequate remedy at law for such a breach, such that enforcement by specific performance is necessary in addition to the Participant&#8217;s forfeiture and the award of any damages that are determinable.  The Participant is liable to the Company for all costs and expenses, including actual attorney&#8217;s fees, that the Company incurs in enforcing any provision of this </font><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">Section 14</font><font style="font-family:inherit;font-size:10pt;">&#32;or other provision of this Plan against the Participant.</font></div><div style="line-height:120%;padding-top:17px;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">15.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10pt;font-weight:bold;text-decoration:underline;">Amendment</font><font style="font-family:inherit;font-size:10pt;">.</font><font style="font-family:inherit;font-size:10pt;font-weight:bold;">&#32;&#32;</font><font style="font-family:inherit;font-size:10pt;">The Plan&#8217;s amendment and termination provisions in </font><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">Article IX</font><font style="font-family:inherit;font-size:10pt;">&#32;apply to this Participation Agreement, as well.  In addition, the Participant and the Company may agree to amend this Participation Agreement, but in so doing shall be cognizant of the consequences of such an amendment under Code Section 409A.   </font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">This</font><font style="font-family:inherit;font-size:10pt;font-weight:bold;">&#32;</font><font style="font-family:inherit;font-size:10pt;">Participation Agreement is effective as of the Effective Date upon the execution by the Participant and by a duly authorized officer of Company.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="5"></td></tr><tr><td style="width:8%;"></td><td style="width:38%;"></td><td style="width:9%;"></td><td style="width:7%;"></td><td style="width:38%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">PARTICIPANT</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;Date:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">February 6, 2019</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">/s/ Neil M. McDonnell</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Neil McDonnell</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="5"></td></tr><tr><td style="width:8%;"></td><td style="width:38%;"></td><td style="width:9%;"></td><td style="width:7%;"></td><td style="width:38%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">ISABELLA BANK CORPORATION</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;Date:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">January 29, 2019</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">By:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">/s/ David J. Maness</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Name:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">David J. Maness</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Title:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Chairman of the Board of Directors</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;text-indent:96px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#32;</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div><br></div><hr style="page-break-after:always"><div><br></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">SCHEDULE A</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td style="width:29%;"></td><td style="width:40%;"></td><td style="width:31%;"></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Credit Date</font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Annual Credit Amount</font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Total Annual Credits</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">December 31, 2018</font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$10,000</font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$10,000</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">December 31, 2019</font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$12,500</font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$22,500</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">December 31, 2020</font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$15,000</font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$37,500</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">December 31, 2021</font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$17,500</font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$55,000</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">December 31, 2022</font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$20,000</font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$75,000</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">December 31, 2023</font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$25,000</font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$100,000</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">December 31, 2024</font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$30,000</font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$130,000</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">December 31, 2025</font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$35,000</font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$165,000</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">December 31, 2026</font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$40,000</font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$205,000</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">December 31, 2027</font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$45,000</font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$250,000</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div><br></div>	</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.3
<SEQUENCE>4
<FILENAME>stockawardincentiveplan_20.htm
<DESCRIPTION>EXHIBIT 10.3
<TEXT>
<!DOCTYPE html PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3.org/TR/html4/loose.dtd">
<html>
	<head>
		<!-- Document created using Wdesk 1 -->
		<!-- Copyright 2019 Workiva -->
		<title>Exhibit</title>
	</head>
	<body style="font-family:Times New Roman;font-size:10pt;">
<div><a name="sEC747F5043945C35B6023651558BD823"></a></div><div style="line-height:138%;text-align:right;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Exhibit 10.3</font></div><div style="line-height:138%;padding-bottom:13px;text-align:left;font-size:10pt;"><img src="stockawardincentiveplana01.jpg" alt="stockawardincentiveplana01.jpg" style="height:94px;width:192px;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font></div><div style="line-height:138%;padding-bottom:13px;text-align:center;font-size:16pt;"><font style="font-family:Calibri,sans-serif;font-size:16pt;font-weight:bold;">Stock Award Incentive Plan </font></div><div style="line-height:138%;padding-bottom:13px;text-align:center;font-size:11pt;"><font style="font-family:Calibri,sans-serif;font-size:11pt;"><br></font></div><div style="line-height:138%;padding-bottom:13px;text-align:left;font-size:11pt;"><font style="font-family:Calibri,sans-serif;font-size:11pt;">Isabella Bank Corporation and each of its subsidiaries, which includes Isabella Bank, adopts this equity incentive plan, to be called the Isabella Bank Corporation Stock Award Incentive Plan. The primary purpose of the plan is to promote the growth and profitability of the bank by attracting and retaining executive officers and key employees of outstanding competence through ownership of equity that provides them with incentives to achieve corporate objectives.</font></div><div style="line-height:138%;padding-bottom:13px;text-align:justify;font-size:11pt;"><font style="font-family:Calibri,sans-serif;font-size:11pt;text-decoration:underline;">Eligibility Requirements</font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:138%;font-size:11pt;padding-left:24px;"><font style="font-family:inherit;font-size:11pt;">&#8226;</font></div></td><td style="vertical-align:top;"><div style="line-height:138%;text-align:left;font-size:11pt;"><font style="font-family:Calibri,sans-serif;font-size:11pt;">Eligible employees include the Bank Corporation President/CEO, Bank President, and Chief Financial Officer.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:138%;font-size:11pt;padding-left:24px;"><font style="font-family:inherit;font-size:11pt;">&#8226;</font></div></td><td style="vertical-align:top;"><div style="line-height:138%;text-align:left;font-size:11pt;"><font style="font-family:Calibri,sans-serif;font-size:11pt;">Employees hired prior to October 1st of the plan year will be eligible for a prorated portion. Employees hired after October 1</font><font style="font-family:Calibri,sans-serif;font-size:11pt;"><sup style="vertical-align:top;line-height:120%;font-size:pt">st</sup></font><font style="font-family:Calibri,sans-serif;font-size:11pt;">&#32;will be eligible for this incentive plan beginning the next calendar year.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:138%;font-size:11pt;padding-left:24px;"><font style="font-family:inherit;font-size:11pt;">&#8226;</font></div></td><td style="vertical-align:top;"><div style="line-height:138%;text-align:left;font-size:11pt;"><font style="font-family:Calibri,sans-serif;font-size:11pt;">In order to receive the stock award, an employee must be actively employed on December 31</font><font style="font-family:Calibri,sans-serif;font-size:11pt;"><sup style="vertical-align:top;line-height:120%;font-size:pt">st</sup></font><font style="font-family:Calibri,sans-serif;font-size:11pt;">&#32;of the incentive plan year.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:138%;font-size:11pt;padding-left:24px;"><font style="font-family:inherit;font-size:11pt;">&#8226;</font></div></td><td style="vertical-align:top;"><div style="line-height:138%;text-align:left;font-size:11pt;"><font style="font-family:Calibri,sans-serif;font-size:11pt;">Retirees will be paid a prorated portion of the incentive based on retirement date.  </font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:138%;font-size:11pt;padding-left:24px;"><font style="font-family:inherit;font-size:11pt;">&#8226;</font></div></td><td style="vertical-align:top;"><div style="line-height:138%;text-align:left;font-size:11pt;"><font style="font-family:Calibri,sans-serif;font-size:11pt;">No payouts will be made under this plan to an employee who has been terminated for misconduct, even if they were eligible according to dates of employment.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:138%;font-size:11pt;padding-left:24px;"><font style="font-family:inherit;font-size:11pt;">&#8226;</font></div></td><td style="vertical-align:top;"><div style="line-height:138%;text-align:left;font-size:11pt;"><font style="font-family:Calibri,sans-serif;font-size:11pt;">In order to receive the stock payment the employee must have received a &#8220;Meets Expectations&#8221; or higher on their most recent evaluation.</font></div></td></tr></table><div style="line-height:138%;text-align:left;padding-left:48px;font-size:11pt;"><font style="font-family:Calibri,sans-serif;font-size:11pt;"><br></font></div><div style="line-height:138%;padding-bottom:13px;text-align:left;font-size:11pt;"><font style="font-family:Calibri,sans-serif;font-size:11pt;text-decoration:underline;">Stock Award Incentive Plan Details</font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:138%;font-size:11pt;padding-left:24px;"><font style="font-family:inherit;font-size:11pt;">&#8226;</font></div></td><td style="vertical-align:top;"><div style="line-height:138%;text-align:left;font-size:11pt;"><font style="font-family:Calibri,sans-serif;font-size:11pt;">The plan is based on the calendar year.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:138%;font-size:11pt;padding-left:24px;"><font style="font-family:inherit;font-size:11pt;">&#8226;</font></div></td><td style="vertical-align:top;"><div style="line-height:138%;text-align:left;font-size:11pt;"><font style="font-family:Calibri,sans-serif;font-size:11pt;">The Stock Award Incentive targets and measurements will mirror the objectives set yearly by the Board of Directors for the Employee Cash Incentive Plan.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:138%;font-size:11pt;padding-left:24px;"><font style="font-family:inherit;font-size:11pt;">&#8226;</font></div></td><td style="vertical-align:top;"><div style="line-height:138%;text-align:left;font-size:11pt;"><font style="font-family:Calibri,sans-serif;font-size:11pt;">The incentive plan payout potential is 10% of an employee&#8217;s annualized wage based on normal work hours realized in an Isabella Bank Stock Award.  Below is a breakdown of the 10% formula.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:96px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:138%;font-size:11pt;padding-left:72px;"><font style="font-family:inherit;font-size:11pt;">&#9702;</font></div></td><td style="vertical-align:top;"><div style="line-height:138%;text-align:left;font-size:11pt;"><font style="font-family:Calibri,sans-serif;font-size:11pt;">3.5% of the 10% incentive potential is based on employee completion of the yearly goals set by their supervisor.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:96px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11pt;padding-left:72px;"><font style="font-family:inherit;font-size:11pt;">&#9702;</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:11pt;"><font style="font-family:Calibri,sans-serif;font-size:11pt;">6.5% of the 10% incentive potential is based on the corporate performance objectives set by the Board of Directors.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:96px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11pt;padding-left:72px;"><font style="font-family:inherit;font-size:11pt;">&#9702;</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:11pt;"><font style="font-family:Calibri,sans-serif;font-size:11pt;">Plan goals/rules are subject to change at the discretion of the Board of Directors.</font></div></td></tr></table><div style="line-height:138%;text-align:left;font-size:11pt;"><font style="font-family:Calibri,sans-serif;font-size:11pt;"><br></font></div><div><br></div><hr style="page-break-after:always"><div><br></div><div style="line-height:138%;padding-bottom:13px;text-align:justify;font-size:11pt;"><font style="font-family:Calibri,sans-serif;font-size:11pt;text-decoration:underline;">Grant Conditions</font></div><div style="line-height:138%;padding-bottom:13px;text-align:left;font-size:11pt;"><font style="font-family:Calibri,sans-serif;font-size:11pt;">The grant of stock shares is subject to the grant conditions set forth.  The shares will be issued only upon the satisfaction of the yearly performance measures and associated performance targets set by the Board of Directors.  If the grant conditions set by the Board of Directors are not satisfied as required, then this award and the grant of the shares shall lapse or be adjusted appropriately at the discretion of the Board of Directors.</font></div><div style="line-height:138%;padding-bottom:13px;text-align:left;font-size:11pt;"><font style="font-family:Calibri,sans-serif;font-size:11pt;text-decoration:underline;">Vesting</font></div><div style="line-height:138%;padding-bottom:13px;text-align:left;font-size:11pt;"><font style="font-family:Calibri,sans-serif;font-size:11pt;">Granted shares shall be considered 100% vested in terms of ownership, common voting rights in all matters, right to be paid dividends, and any necessary tax considerations as a result of stock ownership. </font></div><div style="line-height:138%;padding-bottom:13px;text-align:left;font-size:11pt;"><font style="font-family:Calibri,sans-serif;font-size:11pt;text-decoration:underline;">Restrictions on Transfer</font></div><div style="line-height:138%;padding-bottom:13px;text-align:left;font-size:11pt;"><font style="font-family:Calibri,sans-serif;font-size:11pt;">Stock shares granted under the plan may not be sold, transferred, pledged, or assigned prior to the grantee satisfying one of the following conditions:  the employee&#8217;s retirement,&#160;the grantee&#8217;s voluntary/involuntary separation from service with or without cause, or the employee&#8217;s death or&#160;disability while an employee of the company.</font></div><div><br></div>	</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>5
<FILENAME>stockawardincentiveplana01.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 stockawardincentiveplana01.jpg
M_]C_X  02D9)1@ ! @$ R #(  #_X@Q824-#7U!23T9)3$4  0$   Q(3&EN
M;P(0  !M;G1R4D="(%A96B 'S@ "  D !@ Q  !A8W-P35-&5     !)14,@
M<U)'0@                  ]M8  0    #3+4A0("
M                                             !%C<')T   !4
M #-D97-C   !A    &QW='!T   !\    !1B:W!T   "!    !1R6%E:   "
M&    !1G6%E:   "+    !1B6%E:   "0    !1D;6YD   "5    '!D;61D
M   "Q    (AV=65D   #3    (9V:65W   #U    "1L=6UI   #^    !1M
M96%S   $#    "1T96-H   $,     QR5%)#   $/   " QG5%)#   $/
M" QB5%)#   $/   " QT97AT     $-O<'ER:6=H=" H8RD@,3DY."!(97=L
M971T+5!A8VMA<F0@0V]M<&%N>0  9&5S8P         2<U)'0B!)14,V,3DV
M-BTR+C$              !)S4D="($E%0S8Q.38V+3(N,0
M                                                    6%E:(
M     /-1  $    !%LQ865H@                     %A96B        !O
MH@  ./4   .06%E:(        &*9  "WA0  &-I865H@        )*    ^$
M  "VSV1E<V,         %DE%0R!H='1P.B\O=W=W+FEE8RYC:
M    %DE%0R!H='1P.B\O=W=W+FEE8RYC:
M                                  !D97-C         "Y)14,@-C$Y
M-C8M,BXQ($1E9F%U;'0@4D="(&-O;&]U<B!S<&%C92 M('-21T(
M     "Y)14,@-C$Y-C8M,BXQ($1E9F%U;'0@4D="(&-O;&]U<B!S<&%C92 M
M('-21T(                             9&5S8P         L4F5F97)E
M;F-E(%9I97=I;F<@0V]N9&ET:6]N(&EN($E%0S8Q.38V+3(N,0
M    +%)E9F5R96YC92!6:65W:6YG($-O;F1I=&EO;B!I;B!)14,V,3DV-BTR
M+C$                                  '9I97<      !.D_@ 47RX
M$,\4  /MS  $$PL  UR>     5A96B       $P)5@!0    5Q_G;65A<P
M       !                         H\    "<VEG(     !#4E0@8W5R
M=@        0     !0 *  \ %  9 !X (P H "T ,@ W #L 0 !% $H 3P!4
M %D 7@!C &@ ;0!R '< ? "! (8 BP"0 )4 F@"? *0 J0"N +( MP"\ ,$
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M])5?E<F6-):?EPJ7=9?@F$R8N)DDF9"9_)IHFM6;0INOG!R<B9SWG62=TIY
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M]XKX&?BH^3CYQ_I7^N?[=_P'_)C]*?VZ_DO^W/]M____[@ .061O8F4 9(
M   !_]L 0P ," @(" @," @,$ L+"Q 4#@T-#A08$A,3$Q(8%!(4%!04$A04
M&QX>'AL4)"<G)R<D,C4U-3([.SL[.SL[.SL[_]L 0P$-"PL."PX2#P\2%!$1
M$107%!04%!<>%Q@8&!<>)1X>'AX>'B4C*"@H*"@C+# P,# L-SL[.S<[.SL[
M.SL[.SL[_\  $0@!*P)8 P$B  (1 0,1 ?_$ !\   $% 0$! 0$!
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** ,O\ MO\
MZ8_^/_\ V-']M_\ 3'_Q_P#^QK+HKY7^U<9_S]_\EC_D>I]5H_R_BS4_MO\
MZ8_^/_\ V-']M_\ 3'_Q_P#^QK+HH_M7&?\ /W_R6/\ D'U6C_+^+-3^V_\
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M_P#V-']M_P#3'_Q__P"QK+HH_M7&?\_?_)8_Y!]5H_R_BS4_MO\ Z8_^/_\
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MQ&WMPU:_AC7(O$6B6VIIM$CKLN$7'R3)PZXW.0,\KDYVD5XMXLUE]>U^[O\
MS/,AWF.V(W!1 AVQ[5?E=P^8CU)XKJOA+KWV>]F\/3G]W=YGMO:5%_>+PO\
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MLIR&4CD$&OH+P_JJZWHEGJ@*EKB)6DV!E42CY954/SA74B@;-&BBB@04444
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MR?\ HV"@9Z[1110(**** .:^(_\ R)>H_P#;#_T?#7A]>X?$?_D2]1_[8?\
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M4 .B3S94CSC>P7/IDXKIJYVR5GNX0HR=X/X Y/Z"NBKW\BC:G5E;>25_1?\
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MFEVF1<AB,*$4= 0VZL_P_P"/=5\-:?\ V=IUM:F,NTKO*LK.SM@9.)E'10.
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M^(PV%O%:QLV\I BQJ6( W$( ,X J>@#R+XN_\C);?]>,?_HV>CX1?\C)<_\
M7C)_Z-@H^+O_ ",EM_UXQ_\ HV>CX1?\C)<_]>,G_HV"@9Z[1110(**** .:
M^(__ ")>H_\ ;#_T?#7A]>X?$?\ Y$O4?^V'_H^&O#Z!H^E:***!!1110 44
M5G>(-571-$O-4)4-;Q,T>\,RF4_+$K!.<,[ 4 >7?%/64U'7UL()-\.FIY;
M;2HG<[I=K+D] JD'H5/%>E>$]&30= M+#R_+FV"2Y!VEC.XW2;F3AMI^4'T
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M *YK_(5SE=':_P#'K#_US7^0KV<B_B5/\*_,Y,=\,?4EKFOB/_R)>H_]L/\
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M=1Z C'Z@FH3H@R=LV!V!7)Q_WT*U**XYY;A)[TH_*\?R-5B*J^T_S,O^Q/\
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MBB@#CK[X6^']0OKB_FN+Q9+J5YW"/&%#2,7(7,).,GUKL:** "BBB@ HHHH
M9+%%/$\,R+)'(I1T<!E96&"K \$$5@Z#X'T;PYJ4VIZ:TX>9&B\J1U:-$=U?
M"_(&XV #+&NAHH **** ,!/ GA%+1[(:9$8Y&W,S%VE!&W[LS,9%'R] V/S-
M:NFZ;9:191Z=IT?DVT.[RX]S-C<Q=OF<L>K'O5JB@ HHHH 9+%%/$\,R+)'(
MI1T<!E96&"K \$$5C67@CPG8;_(TR!_,QGSP;C&W/W?/,FWKVK<HH S-&\-Z
M+X?\[^R+?[/]HV^;\\C[MF[;_K'?&-YZ5IT44 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !115/5]1BTC2[
MK4Y=I6UB:0*S! [ ?(FXYP6;"CW- %/7/%.DZ \5O=L\UW<8\BSMT,D\FY@@
MVKP.IXR1G!QDU2_X2'Q;)^\MO##M"_S1&:]AAD*'E2\3*2C8ZKVK*^&^E-?1
M3>,=7#7&I7DKK#/(5;$2@1LR*/NDL&3V48&!U[J@#FM-\;PW&I1Z'JUA=:9J
M4N[;"Z&6-L.5'ER1C++A2=^T+P>:Z6F/%%(R/(BLT3;XRP!*L59-R^AVL1]#
M3Z "L?7/%.DZ \5O=L\UW<8\BSMT,D\FY@@VKP.IXR1G!QDU<U?48M(TNZU.
M7:5M8FD"LP0.P'R)N.<%FPH]S7(_#?2FOHIO&.KAKC4KR5UAGD*MB)0(V9%'
MW26#)[*,# Z@&K_PD/BV3]Y;>&':%_FB,U[##(4/*EXF4E&QU7M1'XWMK2YB
ML/$MG/HES+D*\V)+9FRN%2YCX/#@L< +W-=+6=KVBVGB#2YM,NU4B128I&&X
MQ2@'9*N"IRI/KR..AH T:*X?X9:M>M#>^&M5?_2M)?9&KNK.(P3&T8 ZK$R=
M<G[P'3%=Q0 5R=G\1;'4(C-8:1J]U&K;"\%LLBA@ =I*2D9P1765P_PB_P"1
M;N?^OZ3_ -%04 7I/B+I-I-%%JMCJ.EI-NV2WEL43Y!D\*[L>H'"GK73Q2Q3
MQ)-"ZR1R*'1T(965AD,I'!!%8?CJ+3I/"NH/J:*R11%X2P)*SGY(&7;R#O8#
MZ'GC-/\ !$%S;^$],CNY/-D, D5MQ;$<A,D2Y;^[&RKCMC XH W*HZWJ]MH.
MF3:M>*[PV^S>L0!<[W6,8#,HZMZU>KFOB/\ \B7J/_;#_P!'PT ,B\>13Q)-
M#H>M21R*'1TM RLK#(92)<$$5<TCQAI.KWK:7MGL=07)^QWL9AE*A5?<!EAT
M;.,YQSC'-6?#'_(MZ3_UXVW_ **2N'^*G[_6]%M--XU4YV,G[N3]Y(BVW[WY
M?^6BOCYN.O&: /2Z*** (+Z^M--M);Z^E6"W@7=)(W0#^9)/  Y)KGH_&-_J
MBF7PSHESJ-NK,IN9Y$LXG 8JK0M+N+@E3G@%>]8>L,WC+Q['X<D9I-(TM3+<
MQQ2J%9U7YF;&#G?(L1 )(YQC)KT&***")(846..-0B(@"JJJ,!5 X  H YJ7
MQ9KFG1/=:YX=N;>U123+:3Q7C*0-V71-FU H.6)P/QK<TK5].UNT%]I<ZW$!
M8IN4$$,O565@K*?J.G-7*\WOXV\">.K6YLRMOH^M,%FA#+'"AR$DSN+8$;.)
M <*,':,#- 'I%%%% '.7_CBQL=8GT..PU"]NK95>06<*RC:RH^[_ %@;'[P#
MIUJ"Y^(%M9PM<WFC:Q;PIC?++:A$7)"C+-*!U-4=)_Y*QK7_ %XI_P"@V5=K
M+%%/$\,R+)'(I1T<!E96&"K \$$4 5M*U?3M;M!?:7.MQ 6*;E!!#+U5E8*R
MGZCIS5RN'^&,$:_VW<V$F=*DOC'8Q;G^58]S;MLG3=')'R>3CGI7<4 %%%17
M5S#9VTMY<MLAMT:65\$[40%F.%!/04 9DGB;3T\31>&,YN98&F+@Y <?,L1"
MYPQC#/\ -CC'7=6Q7DFL66KV%I8_$6(,MU<WCWDJL[R&.";9]DB9D;!BV*5/
MW>'"XKU2QO(M0L;>_A#+'=1).@? 8+(H<!L$C.#ZT 3U1U?5?[(MEN?L=U?;
MG$?E647G2#(9MQ7<OR_+UJ]10!RMS\0+:SA:YO-&UBWA3&^66U"(N2%&6:4#
MJ:=%X\BGB2:'0]:DCD4.CI:!E96&0RD2X((I_P 1_P#D2]1_[8?^CX:TO#'_
M "+>D_\ 7C;?^BDH LZ;??VE91WOV>>T\S=^XND\N5=K%?G3)QG&1[5:HHH
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M6;\1_P#D2]1_[8?^CX:TO#'_ "+>D_\ 7C;?^BDH TZ*** .'U;_ )*QHO\
MUXO_ .@WM=Q7#ZM_R5C1?^O%_P#T&]KN* "O-WBEC^,J/(C*LJ[XRP(#*+)D
MW+ZC<I'U%>D5QWCSPY?7<]EXGT6-9M0TEE=H&#,9HXG$J!0&&2K9^4<L#UR
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M? &YWC@9CA0!U-% '9T444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M59\=,D(,^IYZT5/10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
6%%% !1110 4444 %%%% !1110!__V0$!

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
