---



##### 



PageARTICLE 1 - PREAMBLESSection 1.01 Establishment of Plan
    
    
    1Section 1.02 Grandfathered Accounts
    
    
    1Section 1.03 Applicable Law
    
    
    1Section 1.04 Defined Terms
    
    
    1ARTICLE 2 - ELIGIBILITY, PARTICIPATION AND ENROLLMENTSection 2.01 Eligibility
    
    
    2Section 2.02 Participation
    
    
    2Section 2.03 Enrollment
    
    
    2ARTICLE 3 - CONTRIBUTIONSSection 3.01 Sources of Contributions and Accounting
    
    
    4Section 3.02 Before-Tax Contributions
    
    
    4Section 3.03 No Other Contributions
    
    
    5Section 3.04 Adjustment of Accounts
    
    
    5ARTICLE 4 - DISTRIBUTIONSSection 4.01 Date of Distribution
    
    
    7Section 4.02 Form of Distribution
    
    
    7Section 4.03 Election To Defer Receipt or Change Form of Distribution
    
    
    7Section 4.04 Special Rule for Specified Employees
    
    
    7Section 4.05 Designation of Beneficiary
    
    
    8Section 4.06 Return to Service
    
    
    8ARTICLE 5 - PROVISIONS RELATING TO ADMINISTRATIONSection 5.01 Plan Administration
    
    
    9Section 5.02 Claims Procedure
    
    
    9Section 5.03 Special Ruling
    
    
    11Section 5.04 Employment of Advisers
    
    
    11Section 5.05 Delegation to Officers or Employees
    
    
    11
 (i)




---



##### 



PageARTICLE 6 - AMENDMENT AND TERMINATION OF PLANSection 6.01 Amendment of the Plan
    
    
    13Section 6.02 Termination of the Plan
    
    
    13ARTICLE 7 - MISCELLANEOUS PROVISIONSSection 7.01 Payments for the Benefit of Payee
    
    
    14Section 7.02 Non-Alienation of Benefits
    
    
    14Section 7.03 Nature of Plan
    
    
    14Section 7.04 Litigation
    
    
    14Section 7.05 Addresses and Mailing of Notices and Checks
    
    
    14Section 7.06 Action by Corporation
    
    
    15Section 7.07 Savings Clause
    
    
    15ARTICLE 8 - DEFINITIONSSection 8.01 Account
    
    
    16Section 8.02 Accounting Date
    
    
    16Section 8.03 Beneficiary
    
    
    16Section 8.04 Code
    
    
    16Section 8.05 Compensation
    
    
    16Section 8.06 Corporation
    
    
    16Section 8.07 Director
    
    
    16Section 8.08 Effective Date
    
    
    16Section 8.09 ERISA
    
    
    16Section 8.10 Participant
    
    
    16Section 8.11 Plan
    
    
    16Section 8.12 Plan Administrator
    
    
    16Section 8.13 Plan Year
    
    
    16Section 8.14 Separation from Service
    
    
    17Section 8.15 Specified Employee
    
    
    17
 (ii)




---



##### 



ARTICLE 1
 PREAMBLES
 Section 1.01 Establishment of Plan .
 Section 1.02 Grandfathered Accounts .
 Section 1.03 Applicable Law .
 Section 1.04 Defined Terms .




---



##### 



ARTICLE 2
 ELIGIBILITY, PARTICIPATION AND ENROLLMENT
 Section 2.01
Eligibility.
 Section 2.02 Participation .
 Meaning of Participation
 Commencement of Participation
 Termination of Participation
 Resumption of Participation
 Section 2.03 Enrollment .
 Meaning of Enrollment
 Enrollment Date




---



##### 



Changes in Enrolled Status




---



##### 



ARTICLE 3
 CONTRIBUTIONS
 Section 3.01 Sources of Contributions and Accounting .
 Sources and Forms of Contributions
 Crediting of Contributions and Individual Accounts
 Nature of Accounts
 Section 3.02 Before-Tax Contributions
 Amount
 Elections




---



##### 



Vesting
 Section 3.03 No Other Contributions
 Section 3.04 Adjustment of Accounts
 Accounting Dates
 Credits for Contributions
 Charges for Expenses and Distributions
 Credits for Earnings




---



##### 



ARTICLE 4
 DISTRIBUTIONS
 Section 4.01 Date of Distribution
 Section 4.02 Form of Distribution
 Section 4.03 Election To Defer Receipt or Change Form of Distribution
 Section 4.04 Special Rule for Specified Employees




---



##### 



Section 4.05 Designation of Beneficiary
 Section 4.06 Return to Service




---



##### 



ARTICLE 5
 PROVISIONS RELATING TO ADMINISTRATION
 Section 5.01 Plan Administration
 Construction
 Forms
 Procedures
 Rules
 Information
 Committee
 Annual Reports
 Records Review
 Section 5.02 Claims Procedure
 Initial Claims




---



##### 



Limitation on Claims Procedure
 Review of Denied Claims
 Finality of Decisions
 Time Limits Affecting Jurisdiction




---



##### 



Limitation on Court Action
 Section 5.03 Special Ruling
 Section 5.04 Employment of Advisers
 Section 5.05 Delegation to Officers or Employees




---



##### 



ARTICLE 6
 AMENDMENT AND TERMINATION OF PLAN
 Section 6.01 Amendment of the Plan
 Corporations Right To Amend
 Operation of Amendments
 Section 6.02 Termination of the Plan
 Termination
 Termination and Transfer to New Plan
 Rights upon Termination




---



##### 



ARTICLE 7
 MISCELLANEOUS PROVISIONS
 Section 7.01 Payments for the Benefit of Payee
 Section 7.02 Non-Alienation of Benefits
 Section 7.03 Nature of Plan
 Section 7.04 Litigation
 Section 7.05 Addresses and Mailing of Notices and Checks




---



##### 



Section 7.06 Action by Corporation
 Section 7.07 Savings Clause




---



##### 



ARTICLE 8
 DEFINITIONS
 Section 8.01  Account
 Section 8.02  Accounting Date
 Section 8.03  Beneficiary
 Section 8.04  Code
 Section 8.05  Compensation
 Section 8.06  Corporation
 Section 8.07  Director
 Section 8.08  Effective Date
 Section 8.09  ERISA
 Section 8.10  Participant
 Section 8.11  Plan
 Section 8.12  Plan Administrator
 Section 8.13  Plan Year
 Section 8.14  Separation from Service




---



##### 



Section 8.15  Specified Employee
 IN WITNESS WHEREOF,
 CITIZENS REPUBLIC BANCORPWitness
    
    /s/ Laura Hobson
    
    
    
    By:
    
    /s/ Susan P. BrockettSusan P. BrockettIts: Executive Vice President andHuman Resources Director