Supplemental Executive Retirement Plan
ISABELLA BANK CORP
ISABELLA BANK CORPORATION
SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN
PARTICIPATION AGREEMENT
FOR
Gerald Ritzert
March 25, 2026
This Participation Agreement is entered into effective as of March 25, 2026, by Gerald Ritzert(the “Participant”) and Isabella Bank Corporation (together with any successors and affiliates, the “Company”) pursuant to the Isabella Bank Corporation Supplemental Executive Retirement Plan (“Plan”), as amended from time to time.
1. Agreement.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’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.
2. Effective Date of Participation.The Participant’s participation in the Plan and this Participation Agreement commence effective as of March 25, 2026.
3. Early Retirement Age.The Participant’s Early Retirement Age is age 55.
4. Normal Retirement Age.The Participant’s Normal Retirement Age is age 65.
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