Independent Bank (Ionia MI) IBCP

Mr. Kessel serves as President and CEO of IBCP and Independent Bank. He became a director of IBCP on January 1, 2013. Prior to his appointment as CEO as of January 1, 2013, Mr. Kessel served as President since April 1, 2011, and as Chief Operating Officer from 2007 to 2011. He also served as President of Independent Bank (prior to the consolidation of our four bank charters) from 2004 to 2007. Prior to joining IBCP in 1994, Mr. Kessel worked for a regional certified public accounting firm in their financial institutions group. Mr. Kessel has over 38 years of service in the financial services industry.

The Board of Directors of Independent Bank Corporation elected Gavin A. Mohr as the Company's Chief Financial Officer, effective as of September 14, 2020. Mr. Mohr joined Independent Bank in September 2020, as Executive Vice President and Chief Financial Officer. Prior to joining Independent Bank, Mr. Mohr served as the Chief Financial Officer of STAR Financial Bank, (STAR), a $2.1 billion bank, located in Fort Wayne, Indiana. Prior to joining STAR, Mr. Mohr served as Treasurer of Yadkin Bank and Trust (Statesville, North Carolina) from 2013 to 2014. Mr. Mohr holds a B.A in Finance degree from Miami University (Oxford, Ohio) and an M.B.A. from Indiana University (Fort Wayne, Indiana).

Effective as of June 30, 2020, the Company intends to appoint Joel Rahn who currently serves the Company as Senior Vice President of Commercial Banking of the Company's West Michigan region, as its EVP Chief Lending Officer. Mr. Rahn joined the Company in April of 2018. He has 32 years of commercial banking experience and has served in senior leadership positions for the past 15 years. On January 25, 2021 the Board of Directors appointed Joel Rahn as a section 16 filer as Executive Vice President of Commercial Banking.

Ms. Stefanie M. Kimball, Prior to being named Executive Vice President and Chief Lending Officer in 2007, Ms. Kimball was a Senior Vice President at Comerica Incorporated since 1998. On July 13, 2012, Independent Bank named Stefanie M. Kimball as Executive Vice President and Chief Risk Officer. Ms. Kimball will lead the company's enterprise wide risk management efforts. Prior to such designation, Ms. Kimball served as Executive Vice President and Chief Lending Officer of the bank.

Mr. Ervin joined Independent Bank in August 2016, as Senior Vice President - Mortgage Banking. He was promoted to Executive Vice President - Mortgage Banking in November 2017. Prior to joining Independent Bank, Mr. Ervin served as Executive Managing Director Mortgage Banking and Servicing at Talmer Bank and Trust, a position he held since 2009.

Mr. Gulis is Chairperson of the Board of Directors. Mr. Gulis became a director in 2004. He retired in 2008 as the Executive Vice President and President of Wolverine Worldwide Global Operations Group. He served as Executive Vice President, CFO and Treasurer of Wolverine Worldwide prior to his appointment as President, Global Operations. Prior to joining Wolverine Worldwide, he was a certified public accountant with the accounting firm Touche Ross & Company. In November 2025, Mr. Gulis retired from his position as a director of Sleep Number Corporation (Nasdaq: SNBR) after serving 20 years. Mr. Gulis also serves as an independent financial, operations and management advisor to several privately held organizations.

Mr. Cok has been a member of the Board since June 2017. Until November 30, 2023, he served as Interim President of Farmers Personal and Commercial lines as well as President of Foremost Insurance Company, Grand Rapids, Michigan, and its subsidiaries, which are wholly-owned subsidiaries of Farmers Group, Inc. Farmers Group, Inc. is a wholly-owned subsidiary of the Zurich Insurance Group Ltd. family of insurance companies. In his position Mr. Cok was responsible for over $24 billion of annual insurance premiums. Foremost provides a variety of specialty, personal lines insurance products throughout the United States. Mr. Cok serves as a director of Ardellis Insurance Company and is active in a variety of charitable and civic organizations. Mr. Cok is a certified public accountant.

Ms. Budden has been a director since July 2015. She currently is the President of a boutique consulting company specializing in strategic planning, leadership development, culture change and strategic marketing. Prior to this she was President & CEO of Priority Health from January 2016 to January 2021, one of Michigan's largest health plans with over $3 billion in revenue. In that role she successfully lead a large acquisition, expanded their market share and geographic footprint and drove profitable growth. Before becoming CEO Ms. Budden served as Chief Marketing Officer for Priority Health since 2009. Ms. Budden's responsibilities as Chief Marketing Officer included leading strategic positioning and profitable growth for direct to consumer, government and business-to-business markets. Ms. Budden has more than 25 years of executive leadership experience in the health insurance industry that includes leading business development, change management in technology environments, consumer experience, corporate governance and strategy development at a large national health insurer and an integrated delivery system. Ms. Budden serves as a director of UFP Industries, Inc. (Nasdaq: UFPI), Presbyterian Health Plan, Together Women's Health and The Children's Healing Center.

Mr. Boer is President and Founder of Grey Dunes, an independent family office advisory firm in Grand Rapids, Michigan. He has been a member of our Board since 2012. From 1995 to 2005, Mr. Boer served as Vice President and Chief Operating Officer of RDV Corporation, the family office of the Richard M. DeVos family. Prior to joining RDV Corporation in 1995, Mr. Boer was President of Michigan National Bank, Grand Rapids, and from 1987 to 1993 was Vice President for Administration and Finance at Calvin College.

Ms. Kruse was appointed to the Board in October 2019. She is the founder and CEO of OpTech, LLC and OpTech Solutions. These firms provide talent and solutions for clients in technology including analytics, cyber security, application development and connected vehicles. Prior to founding this business in 1999, Ms. Kruse was a senior tax consultant for a big 4 CPA firm. She is a certified public accountant.

Mr. Beia was appointed to the Board in April 2018 in conjunction with the Company's acquisition of Traverse City State Bank ('TCSB'). He is active in the oil and gas exploration industry and he owns and manages commercial and residential real estate holdings in the Traverse City area. He served on the TCSB Board of Directors for 17 years.

Ms. Keller has been a member of our Board since December 2016. Since 2009, Ms. Keller has been a leader at Cascade Engineering (CE), where she is currently the CEO and Chair of the Board of Directors of the Cascade Engineering Family of Companies. CE is a diversified global manufacturing company based in Grand Rapids, Michigan. CE is a woman-owned, B certified corporation and a pioneer in the Environmental, Social and Governance (ESG) space. Before becoming CEO, Ms. Keller worked at Accenture and Environmental Resources Trust, gaining expertise in ESG and sustainability.

Mr. Archer has been a member of our Board since October 2020. Mr. Archer is the Founder and CEO of Sixteen42 Ventures, the parent company to all his companies - Ignition Media Group, a leading integrated marketing agency, and Archer Corporate Services (ACS), where he is president and founding partner. ACS is one of the nation's leading marketing fulfillment service firms, serving clients such as General Motors, Procter & Gamble, Johnson & Johnson, Prestige Brands and Blue Buffalo. Mr. Archer's hospitality holding company, Congress Hospitality, is creator and managing partner of Central Kitchen + Bar. Previously Mr. Archer was a director of Main Street Bank, where he served on the audit committee, loan committee and CRA committee. Mr. Archer holds a law degree from the University of Michigan.

July 22, 2026 - Independent Bank Corporation, the holding company for Independent Bank and Highpoint Community Bank, today announced the appointment of Nathan E. Tagg to the Boards of Directors of Independent Bank Corporation, Independent Bank, and Highpoint Community Bank, effective July 21, 2026. Mr. Tagg previously served on the Boards of Directors of HCB Financial Corp. and Highpoint Community Bank until their acquisition by the company on July 1, 2026. Mr. Tagg has also been appointed to the Audit Committee of the Independent Bank Corporation Board of Directors. Mr. Tagg is an attorney and partner with Tripp, Tagg & Storrs, Attorneys, where he has practiced since 2009. Throughout his legal career, he has developed extensive experience advising businesses, organizations, and individuals while building a distinguished record of leadership in governance, healthcare, and community service. He previously served as Chair of the Spectrum Health Pennock Board of Directors and Co-Chair of the Spectrum Health Pennock Hospital Merger Committee. His additional leadership experience includes service on the Barry Community Foundation Investment and Governance Committees, Treasurer of the Barry County Bar Association, and appointment by former Michigan Governor Rick Snyder to the State of Michigan Board of Auctioneers. Mr. Tagg is also actively involved in numerous youth development and community organizations throughout Barry County. Mr. Tagg earned his Juris Doctor from Howard University School of Law and is licensed to practice law in the State of Michigan.

On December 17, 2024, the Board of Directors of Independent Bank Corporation elected Christopher Michaels, age 58, as the Company's Chief Operating Officer, effective as of January 2, 2025. Mr. Michaels will also serve as an Executive Vice President of the Company. Since January 2020, Mr. Michaels has served as the Chief Information Officer and Senior Vice President of the Company.

Mr. James J. Twarozynski, Prior to being named Senior Vice President in 2002, Mr. Twarozynski was Vice President and Controller.

Mr. Daniel joined Independent Bank over 20 years ago as a commercial lender. Prior to being named Executive Vice President - Operations and Digital Banking in November 2017, he served as Senior Vice President of Retail and Mortgage Lending at Independent Bank, a position he held since 2012.Mr. Daniel is retiring from Independent Bank in March 2026.

Mr. Wooldridge was appointed to the Board in December 2025. He was formerly a partner with the Varnum law firm where he concentrated on corporate governance, securities, and mergers & acquisitions, representing publicly traded clients on governance and securities compliance and advising on venture capital transactions. He has led numerous public equity and debt offerings for financial services and manufacturing companies and regularly counsels officers and directors on executive compensation, corporate structure, and governance matters. Mr. Wooldridge's honors include Best Lawyers in America (Corporate Law since 2005; Mergers & Acquisitions Law since 2024), BTI Client Service All Star (2012), Grand Rapids Magazine's Top Lawyers (Corporate Law since 2019), and Leading Lawyers in M&A and Securities & Venture Finance, and he was inducted to the West Michigan Dealmaker Hall of Fame in 2024. He also serves as a director of UFP Industries, Inc. (Nasdaq: UFPI).

Mr. Michael J. Stodolak,Executive Vice President, Retail Banking.