ISABELLA BANK CORP

Isabella Bank Corporation is a registered financial holding company incorporated in September 1988 under Michigan law. Its wholly-owned subsidiary, Isabella Bank, operates 31 offices across Bay, Clare, Gratiot, Isabella, Mecosta, Midland, Montcalm, and Saginaw counties. This region features significant agricultural production, manufacturing, retail, gaming and tourism, and several colleges and universities. Isabella Bank is a community bank providing banking and wealth management services to businesses, institutions, individuals, and their families. The company's lending activities include loans for commercial and agricultural operations, real estate purposes, residential real estate loans, and consumer loans. Lending is primarily limited to local markets, with minimal purchased loans from the secondary market. The company does not fund leveraged buyouts, has no foreign corporate or government loans, and holds limited corporate debt securities. Its lending philosophy aims to limit concentrations to individuals and business segments. Deposit services include checking accounts, savings accounts, certificates of deposit, direct deposits, cash management services, mobile and internet banking, and ATMs. Additionally, the company offers full-service investment management, trust, and estate services. Isabella Bank Corporation competes with other commercial banks, savings and loan associations, mortgage brokers, finance companies, credit unions, retail brokerage firms, and other financial service providers.