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TABLE OF CONTENTS
 PageARTICLE 1 - PREAMBLESSection 1.01 Establishment of Plan
    
    1Section 1.02 Grandfathered Accounts
    
    1Section 1.03 Applicable Law
    
    1Section 1.04 Defined Terms
    
    1Section 1.05 Adoption of Plan by Related Entities
    
    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 Employee Contributions
    
    4Section 3.03 Employer Matching Contributions
    
    5Section 3.04 No Other Contributions
    
    6Section 3.05 Adjustment of Accounts
    
    6ARTICLE 4 - FORMS OF RETIREMENT; DEATHSection 4.01 Normal Retirement
    
    8Section 4.02 Early Retirement
    
    8Section 4.03 Disability
    
    8Section 4.04 Death and Designation of Beneficiary
    
    8ARTICLE 5 - DISTRIBUTIONSSection 5.01 Date of Distribution
    
    9Section 5.02 Form of Distribution
    
    9Section 5.03 Election To Defer Receipt or Change Form of Distribution
    
    9Section 5.04 Special Rule for Specified Employees
    
    9Section 5.05 Return to Service
    
    10
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PageARTICLE 6 - SPECIAL PROVISIONSSection 6.01 Service Rules
    
    11Section 6.02 Changes in Employment Status and Transfers between Related Entities
    
    11ARTICLE 7 - PROVISIONS RELATING TO ADMINISTRATIONSection 7.01 Plan Administration
    
    13Section 7.02 Claims Procedure
    
    13Section 7.03 Special Ruling
    
    15Section 7.04 Employment of Advisers
    
    15Section 7.05 Delegation to Officers or Employees
    
    15ARTICLE 8 - AMENDMENT AND TERMINATION OF PLANSection 8.01 Amendment of the Plan
    
    17Section 8.02 Termination of the Plan
    
    17ARTICLE 9 - MISCELLANEOUS PROVISIONSSection 9.01 Payments for the Benefit of Payee
    
    19Section 9.02 Non-Alienation of Benefits
    
    19Section 9.03 Employers Rights
    
    19Section 9.04 Litigation
    
    19Section 9.05 Addresses and Mailing of Notices and Checks
    
    19Section 9.06 Action by Employer
    
    20Section 9.07 Savings Clause
    
    20ARTICLE 10 - DEFINITIONSSection 10.01 Account
    
    21Section 10.02 Accounting Date
    
    21Section 10.03 Beneficiary
    
    21Section 10.04 Break in Service
    
    21Section 10.05 Code
    
    21Section 10.06 Compensation
    
    21Section 10.07 Corporation
    
    21Section 10.08 Disability
    
    21Section 10.09 Early Retirement
    
    21Section 10.10 Effective Date
    
    21Section 10.11 Employee
    
    21Section 10.12 Employer
    
    21Section 10.13 ERISA
    
    21
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PageSection 10.14 Hour of Service
    
    22Section 10.15 Normal Retirement
    
    22Section 10.16 Participant
    
    22Section 10.17 Plan
    
    22Section 10.18 Plan Administrator
    
    22Section 10.19 Plan Year
    
    22Section 10.20 Related Entity or Related Entities
    
    22Section 10.21 Separation from Service
    
    22Section 10.22 Specified Employee
    
    22Section 10.23 Year of Service
    
    23
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ARTICLE 1
 PREAMBLES
 Section 1.01 Establishment of Plan .
 Section 1.02 Grandfathered Accounts .
 Section 1.03 Applicable Law .
 Section 1.04 Defined Terms .
 Section 1.05 Adoption of Plan by Related Entities .




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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




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Changes in Enrolled Status




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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 Employee Contributions .
 Amount




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Elections
    Vesting
 Section 3.03 Employer Matching Contributions .
 Amount
 Form of Match




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Vesting
 Section 3.04 No Other Contributions .
 Section 3.05 Adjustment of Accounts .
 Accounting Dates
 Credits for Contributions
 Charges for Expenses and Distributions
 Credits for Earnings




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ARTICLE 4
 FORMS OF RETIREMENT; DEATH
 Section 4.01 Normal Retirement .
 Section 4.02 Early Retirement .
 Section 4.03 Disability .
 Section 4.04 Death and Designation of Beneficiary .




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ARTICLE 5
 DISTRIBUTIONS
 Section 5.01 Date of Distribution .
 Section 5.02 Form of Distribution .
 Section 5.03 Election To Defer Receipt or Change Form of Distribution
 Section 5.04 Special Rule for Specified Employees .




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Section 5.05 Return to Service .




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ARTICLE 6
 SPECIAL PROVISIONS
 Section 6.01 Service Rules .
 Section 6.02 Changes in Employment Status and Transfers between Related Entities.
 Changes in Employment Status
 Transfers between Related Entities




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ARTICLE 7
 PROVISIONS RELATING TO ADMINISTRATION
 Section 7.01 Plan Administration .
 Construction
 Forms
 Procedures
 Rules
 Information
 Committee
 Annual Reports
 Records Review
 Section 7.02 Claims Procedure .
 Initial Claims




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




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Limitation on Court Action
 Section 7.03 Special Ruling .
 Section 7.04 Employment of Advisers .
 Section 7.05 Delegation to Officers or Employees .




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ARTICLE 8
 AMENDMENT AND TERMINATION OF PLAN
 Section 8.01 Amendment of the Plan.
 Corporations Right To Amend
 Operation of Amendments
 Section 8.02 Termination of the Plan .
 Termination.
 Termination and Transfer to New Plan
 Rights upon Termination




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ARTICLE 9
 MISCELLANEOUS PROVISIONS
 Section 9.01 Payments for the Benefit of Payee .
 Section 9.02 Non-Alienation of Benefits .
 Section 9.03 Employers Rights .
 Section 9.04 Litigation .




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Section 9.05 Addresses and Mailing of Notices and Checks .
 Section 9.06 Action by Employer .
 Section 9.07 Savings Clause .




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ARTICLE 10
 DEFINITIONS
 Section 10.01 Account
 Section 10.02 Accounting Date
 Section 10.03 Beneficiary
 Section 10.04 Break in Service
 Section 10.05 Code
 Section 10.06 Compensation Base Compensation Bonus
 Section 10.07 Corporation
 Section 10.08 Disability
 Section 10.09 Early Retirement
 Section 10.10 Effective Date
 Section 10.11  Employee 
 Section 10.12  Employer 
 Section 10.13  ERISA 
 Section 10.14  Hour of Service 




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Section 10.15  Normal Retirement 
 Section 10.16  Participant 
 Section 10.17  Plan 
 Section 10.18  Plan Administrator 
 Section 10.19  Plan Year 
 Section 10.20  Related Entity  or  Related Entities 
 Section 10.21  Separation from Service 
 Section 10.22  Specified Employee 
 Section 10.22  Year of Service 




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




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Subsidiary
    
    Effective DateCitizens Republic Bancorp(formerly Citizens Banking Corporation)
    
    July 1, 1999Citizens Bank
    
    July 1, 1999F&M Bank-Iowa
    
    January 1, 2000Citizens Bank Wealth Management, N.A.
    
    March 1, 2002