INDEPENDENT BANK CORP /MI/ 10-K

ITEM 3. LEGAL PROCEEDINGS We are involved in various litigation matters in the ordinary course of business, which currently include three putative class action complaints brought against the Bank alleging that its practice of charging overdraft and other fees was not consistent with the disclosures the Bank made to consumers. While these matters do not involve a claim for damages that requires disclosure under this Item, please see Note 11 – Commitments and Contingent Liabilities in the Notes to Consolidated Financial Statements in our annual report, to be delivered to shareholders in connection with the April 21, 2026 Annual Meeting of Shareholders (filed as exhibit 13 to this report on Form 10-K) for more information. ITEM 4. MINE SAFETY DISCLOSURES Not applicable. ADDITIONAL ITEM - EXECUTIVE OFFICERS Our executive officers are appointed annually by our Board of Directors at the meeting of directors preceding the Annual Meeting of Shareholders. There are no family relationships among these officers and/or our directors nor any arrangement or understanding between any of these officers and any other person pursuant to which the officer was appointed. The following sets forth certain information with respect to our executive officers at March 6, 2026. Name (Age) Position First elected as an executive officer William B. Kessel (61) President, Chief Executive Officer and Director 2004 Gavin A. Mohr (42) Executive Vice President and Chief Financial Officer 2020 Stefanie M. Kimball (66) Executive Vice President and Chief Risk Officer 2007 Joel Rahn (59) Executive Vice President, Commercial Banking 2021 Larry R. Daniel (62) Executive Vice President, Operations and Retail Banking(1) 2017 Patrick J. Ervin (60) Executive Vice President, Mortgage Banking 2017 Christopher S. Michaels (59) Executive Vice President, Chief Operating Officer(2) 2025 Michael J. Stodolak (65) Executive Vice President, Retail Banking(3) 2026 James J. Twarozynski (60) Senior Vice President and Chief Accounting Officer 2002 (1) Mr. Daniel is retiring from Independent Bank in March 2026. (2) Mr. Michaels joined Independent Bank in February of 2012 as a part of our information and technology team and was promoted to Senior Vice President and Chief Information Officer in January, 2020. He was promoted to Executive Vice President and Chief Operating Officer in January, 2025. (3) Mr. Stodolak joined Independent Bank in September of 2000 and has been leading the Bank’s retail network and consumer lending program. He was promoted to Executive Vice President, Retail Banking on January 1, 2026. 20 PART II.