Document:

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                                                                    EXHIBIT 10.1

                      REAFFIRMATION OF SEPARATION AGREEMENT
                            AND RELEASE OF ALL CLAIMS

         This Reaffirmation of the Separation Agreement and Release of All
Claims ("Reaffirmation") is entered into between Eugene Greutman ("Greutman")
and Monroe Bank & Trust ("MBT").

                                    RECITALS

     A.   Greutman and MBT entered into a Separation Agreement and Release of
          All Claims ("Agreement") dated November 25, 2002. A copy of the
          Agreement is attached as Attachment A.
     B.   Pursuant to paragraph 4 of the Agreement, Greutman agreed to sign any
          other documents necessary to extend the provisions contained in the
          Agreement at or before his Resignation Date as identified and
          described in the Agreement.
     C.   Greutman and MBT enter into this Reaffirmation as contemplated by
          paragraph 4 of the Agreement.
In consideration of the continuation of the Agreement, Greutman's continued
relationship with MBT until his Resignation Date, and all other understandings,
arrangements and other good and valuable consideration, Greutman hereby
reaffirms his commitment to and desire to be subject to the terms and conditions
set forth in the Agreement, including the release provisions set forth in
paragraph 5 of the Agreement, and MBT hereby reaffirms its obligations as
identified and described in the Agreement.

     Dated: May 7, 2003                             Eugene D. Greutman
                                                    ---------------------------
                                                    EUGENE GREUTMAN

     Dated: May 7, 2003                             MONROE BANK & TRUST

                                                    By: Ronald D. LaBeau
                                                    Its: Chairman & CEO

                 SEPARATION AGREEMENT AND RELEASE OF ALL CLAIMS

         This Separation Agreement and Release of All Claims ("Agreement") is
entered into between Eugene Greutman ("Greutman") and Monroe Bank & Trust
("MBT").

                                    RECITALS

A.   Greutman is currently an employee and appointed officer of MBT, and holds
     certain positions of appointment with MBT Financial Corp. and MBT Credit
     Company.

B.   Greutman and MBT believe that it is in their mutual best interest that
     Greutman discontinue his current position and duties as the Senior Vice
     President of Finance for MBT, as well as his appointed positions with MBT
     Financial Corp. and MBT Credit Company, and that Greutman maintain only an
     employment position with MBT through May 12, 2003.

C.   Greutman and MBT believe that it is in their mutual best interest that
     Greutman discontinue his employment and thereby resign from his employment
     with MBT effective the close of business May 12, 2003.

D.   Greutman and MBT desire to enter into an agreement which describes the
     nature and circumstances of Greutman's remaining employment with MBT, and
     the circumstances controlling his eventual separation therefrom.

NOW, THEREFORE, in consideration of the agreements, understandings and
arrangements set forth below, Greutman and MBT hereby agree to the following:

1.   Greutman acknowledges and agrees that he will discontinue serving in the
     positions of Senior Vice President - Finance for MBT, Treasurer of MBT
     Financial Corp. and board member, Treasurer and Secretary of MBT Credit
     Company, effective the close of business December 31, 2002. From January

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     1, 2003, until the Resignation Date as identified in Paragraph 2 below,
     Greutman shall remain an employee of MBT in the position of Senior Vice
     President - Special Projects, and shall perform those duties and
     responsibilities which are specifically assigned to him by the President
     and CEO of MBT, in the manner and to the extent required. Greutman agrees
     to execute any and all documents necessary to effectuate the discontinuance
     of his positions, duties and responsibilities as Senior Vice President of
     Finance for MBT, Treasurer of MBT Financial Corp., and board member,
     Treasurer and Secretary of MBT Credit Company.
2.   Greutman hereby resigns his employment with MBT effective the close of
     business May 12, 2003 ("Resignation Date").
3.   Greutman further agrees that, up to and through the Resignation Date,
     Greutman will provide his full cooperation and assistance to MBT, MBT
     Financial Corp., MBT Credit Company, and all of their respective officers,
     employees, vendors, suppliers, clients, and customers in his capacity as an
     employee, including his full cooperation in bringing about a successful
     transfer of his duties and responsibilities as a Senior Vice President of
     Finance for MBT, Treasurer of MBT Financial Corp. and board member,
     Treasurer and Secretary of MBT Credit Company.
4.   Greutman agrees to sign any other document(s) necessary to extend the
     provisions contained in this Agreement, including the release provisions
     contained in Paragraph 5 below, on or before the Resignation Date if and to
     the extent requested by MBT.
5.   Greutman hereby releases and forever discharges MBT, its parent, affiliated
     and related companies, corporations and associations, and all of their
     respective present and former officers, directors, shareholders, agents,
     employees, servants, attorneys, representatives, predecessors, successors,
     and assigns from any and all known or unknown grievances, disputes, actions
     causes of action; claims relating to appointment, employment, reemployment,
     or reinstatement; claims at law or in equity, or sounding in contract
     (including breach of express or implied employment contract) or tort,
     arising under the common law, any federal, state or local statute or
     ordinance, including, but not limited to, Title VII of the Civil Rights Act
     of 1964, as amended (42 U.S.C.ss.2000e, et seq.), the Age Discrimination in
     Employment Act, as amended (29 U.S.C.ss.621 et seq.), the Elliott-Larsen
     Civil Rights Act (MCL 37.2101 et seq.), and any and all actions, charges,
     complaints or allegations which have been or could in the future be filed
     with the Michigan Department of Civil Rights, the Michigan Department of
     Industrial Services, the United States Equal Employment Opportunity
     Commission, the National Labor Relations Board, and any other local, state
     or federal administrative agency, which arise out of, or are connected
     with, in any way, the employment of Greutman with MBT, including his
     eventual separation therefrom.
6.   Greutman, and any other person or entity acting on his behalf, agree that
     they will not, at any time, disclose the terms and conditions of this
     Agreement with any person or entity.
7.   Notwithstanding the restrictions set forth in Paragraph 6, Greutman may
     disclose the terms and conditions of this Agreement to his attorneys,
     accountants, tax and financial advisors, the United States Internal Revenue
     Service, the Michigan Department of Treasury, or any other state or federal
     agency authorized by law to require such disclosure.
8.   Greutman agrees to refrain from disclosing to any person or entity not
     employed with or affiliated with MBT any matters relating to the business
     of MBT including, but not limited to, all financial and other confidential
     information about or concerning MBT's clients, accounts, and customers.
     Greutman agrees to immediately return to MBT, all lists, documents,
     business plans, loan documents, and other types of records, and any copies
     thereof, which pertain to the business of MBT or any of its accounts,
     clients, or customers. This restriction shall not be interpreted so as to
     prohibit Greutman from discussing his professional experience and abilities
     with potential future employers.
9.   Greutman acknowledges that MBT, and its officers and employees have
     developed and maintain well-respected reputations and valuable banking
     relationships with individuals and business organizations throughout the
     Monroe community. Greutman agrees to refrain from taking any actions or
     making any statements, oral or written, either during the remaining portion
     of his employment with MBT, or at any time following his separation from
     employment with MBT, which have the purpose or effect of injuring, or in
     any way detracting from the reputation of MBT, its officers and employees,
     and their relationships with others.
10.  In consideration of the foregoing, MBT agrees to provide to or on behalf of
     Greutman the following:
          A.   MBT agrees to continue Greutman's employment with MBT in the
               manner identified and described in Paragraph 1 above until the
               Resignation Date.
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          B.   MBT will provide Greutman, for his continued employment until the
               Resignation Date, the salary and benefits received by Greutman at
               the time Greutman signs this Agreement.
          C.   MBT shall pay to Greutman following the expiration of any seven
               (7) day revocation period contained in any documents signed by
               Greutman in accordance with Paragraph 4 above, or within seven
               (7) days of the Resignation Date, whichever last occurs, a lump
               sum equal to one (1) year of salary at the salary rate paid to
               Greutman at the time that Greutman signs this Agreement, less
               applicable withholding taxes and amounts.
          D.   MBT shall pay to Greutman a lump sum equal to five-twelfths
               (5/12) of the bonus amount which Greutman would have been paid
               under the Monroe Bank & Trust Incentive Plan for calendar year
               2003, less applicable withholding taxes and amounts. Such amount
               shall be equal to fifty percent (50%) of Greutman's 2002 base
               salary with the assumption that MBT will meet its 2003 Incentive
               Plan goal. Such payment shall be made at the same time that the
               payment under paragraph 10 C is made.
11.  Greutman acknowledges that, except for the consideration identified and
     described in Paragraph 10 above, all compensation and benefits to which
     Greutman is entitled as an active employee of MBT shall cease upon the
     Resignation Date. Notwithstanding the foregoing, nothing in this Agreement
     shall be interpreted so as to deny Greutman the right to receive any
     retirement or retirement-related benefits to which he is otherwise
     entitled.
12.  Greutman agrees that he will not seek employment, reemployment, rehire or
     recall with MBT, or any of its subsidiaries, affiliated or related
     companies or corporations, after the Resignation Date.
13.  This Agreement is signed by Greutman with the express understanding by
     Greutman of the following:
          A.   Greutman acknowledges that he has been provided at least
               twenty-one (21) days in which to consider this Agreement before
               signing it. Greutman may elect to sign this Agreement without
               availing himself of the opportunity to consider its provisions
               for at least twenty-one (21) days. Greutman hereby acknowledges
               that if decision is to shorten the time for considering this
               Agreement, prior to signing it, that such decision is voluntary,
               and such decision is not induced by MBT through fraud,
               misrepresentation, or a threat to withdraw or alter the
               provisions set forth in this Agreement in the event Greutman
               elects to consider the agreement for at least twenty-one (21)
               days prior to signing it.
          B.   Greutman acknowledges that he has had the right and benefit to
               consult with an attorney about the contents of this Agreement
               before signing it.
          C.   Greutman understands that he may revoke this Agreement as it
               relates to any potential claim that could be brought or filed
               under the Age Discrimination in Employment Act, 29 U.S.C.
               ss.ss.621-634, within seven (7) days after the date on which he
               signs this Agreement, and that this Agreement, as it relates to
               such a claim, does not become effective until the expiration of
               the seven (7) day period. In the event that Greutman wishes to
               revoke this Agreement within the seven (7) day period, he must
               provide such revocation in writing to Barbara Dussia, Monroe Bank
               & Trust, 102 East Front Street, Monroe, MI, 48161.
          D.   Greutman acknowledges and understands that he is receiving
               consideration under this Agreement which he would not be entitled
               to receive without having entered into this Agreement with MBT.
14.  This Agreement sets forth the entire agreement entered into between
     Greutman and MBT as to the subject matters contained herein, and shall
     supersede any and all prior agreements or understandings entered into
     between the parties relating to the subject matters contained herein.
     Should any provision of this Agreement be declared illegal or unenforceable
     by any court of competent jurisdiction, and which cannot be modified to be
     enforceable, such provision shall immediately become null and void, leaving
     the remaining provisions of this Agreement to be in full force and effect.
15.  This Agreement shall be interpreted pursuant to the laws of the State of
     Michigan and shall be binding upon and shall inure to the benefit of the
     parties herein, their respective successors and assigns.

         Dated: November 25, 2002                      Eugene D. Greutman
                                                       EUGENE GREUTMAN

                                                       MONROE BANK & TRUST
                                                       By: Ronald D. LaBeau
                                                       Its: President & CEO<PAGE>

                                                                    EXHIBIT 10.6

          Community Central Bank Supplemental Executive Retirement Plan

The attached form of plan was entered into between the "Bank" and Ronald R.
Reed, President and CEO of Community Central Bank and Ray T. Colonius, Senior
Vice President and CFO, Community Central Bank. Additionally, the attached form
of plan was entered into between the "Corporation" and David A. Widlak, Chairman
and CEO, Community Central Bank Corporation.

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                             COMMUNITY CENTRAL BANK
                     SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN

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                  COMMUNITY CENTRAL BANK SUPPLEMENTAL EXECUTIVE
                                 RETIREMENT PLAN

                            EFFECTIVE JANUARY 1, 2003

                                     PURPOSE

         The purpose of the Plan is to provide supplemental retirement benefits
to a select group of employees who contribute materially to the continued
growth, development and future business success of Community Central Bank,
Community Central Bank Corporation and their affiliated entities. The Plan shall
be unfunded for tax purposes and for purposes of Title I of ERISA.

                                    ARTICLE I
                                   DEFINITIONS

         For purposes of the Plan, unless otherwise clearly apparent from the
context, the following phrases or terms shall have the following indicated
meanings:

         "Annual Benefit" shall mean with respect to any Participant, an annual
         benefit equal to the percent of the Participant's Final Average
         Compensation set forth in a Participant's Plan Agreement.
         Notwithstanding the foregoing, where the Plan Agreement expresses the
         Annual Benefit as a unit benefit, then the Annual Benefit shall be
         equal to the percent of the Participant's Final Average Compensation
         set forth in the Participant's Plan Agreement times the number of the
         Participant's Years of Credited Service set forth in a Participant's
         Plan Agreement, calculated through the last day of the month in which
         the Participant experiences a Termination of Employment. A
         Participant's Annual Benefit shall not exceed any maximum Annual
         Benefit set forth in his Plan Agreement, nor be less than any minimum
         Annual Benefit set forth in his Plan Agreement.

         "Bank" shall mean Community Central Bank, and any successor to all or
         substantially all of the assets or business of the Bank.

         "Board" shall mean the board of directors of the Bank or the Holding
         Company.

         "Change in Control" shall mean the first to occur of any of the
         following events:

         (a)      An acquisition of control of the Bank within the meaning of
                  the Bank Holding Company Act of 1956 and 12 C.F.R. Part 303.82
                  as in effect on the date hereof that is not subject to
                  rebuttal;

         (b)      Any event that would be required to be reported in response to
                  Item 1 of the current report on Form 8-K, as in effect on the
                  date hereof, pursuant to Section 13 or 15(d) of the Securities
                  Exchange Act of 1934 (the "Exchange Act") if the Exchange Act
                  were applicable to the Bank;

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         (c)      Any "person" (as that term is used in Section 13 and 14(d)(2)
                  of the Exchange Act) becomes the beneficial owner (as that
                  term is used in Section 13(d) of the Exchange Act), directly
                  or indirectly, of 25% or more of the Bank's outstanding
                  securities entitled to vote in the election of directors;

         (d)      Individuals who are members of the board of directors of the
                  Holding Company on the date of adoption of this Plan (the
                  "Incumbent Board") cease for any reason to constitute at least
                  a majority thereof, provided that any person becoming a
                  director subsequent to the date of adoption of this Plan whose
                  election was approved by a vote of at least three-quarters of
                  the directors comprising the Incumbent Board, or whose
                  nomination for election by the Holding Company's stockholders
                  was approved by a nominating committee serving under an
                  Incumbent Board, shall be considered a member of the Incumbent
                  Board;

         (e)      The sale of all or substantially all of the assets of the Bank
                  or the Holding Company, excluding transfers to entities that
                  are within a "controlled group of corporations" (as defined in
                  Code Section 1563) in which the Bank is the parent
                  corporation; or

         (f)      A reorganization, merger, consolidation or similar transaction
                  involving the Holding Company in which the Holding Company is
                  not the resulting entity or the Holding Company is the
                  resulting entity but the stockholders of the Holding Company
                  immediately prior to such transaction do not own at least 50%
                  of the voting securities of the Holding Company immediately
                  following the completion of such transaction.

         "Claimant" shall have the meaning set forth in Section 12.1.

         "Code" shall mean the Internal Revenue Code 1986, as it may be amended
         from time to time.

         "Committee" shall mean the committee described in Article 10.

         "Compensation" shall mean the annual cash compensation relating to
         services performed by a Participant for the Bank or the Holding Company
         during any calendar year, whether or not paid in such calendar year or
         included on the Federal Income Tax Form W-2 for such calendar year,
         excluding fringe benefits, stock options, other stock based
         compensation, relocation expenses, non-monetary awards, and automobile
         and other allowances paid to a Participant for employment services
         rendered (whether or not such allowances are included in the
         Participant's gross income). Compensation shall be calculated before
         reduction for compensation voluntarily deferred or contributed by the
         Participant pursuant to all qualified or non-qualified plans of the
         Bank and shall be calculated to include amounts not otherwise included
         in the Participant's gross income under Code Sections 125, 402(e)(3),
         402(h), or 403(b) pursuant to plans established by the Bank; provided,
         however, that all such amounts will be

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         included in compensation only to the extent that, had there been no
         such plan, the amount would have been payable in cash to the
         Participant.

         "Early Retirement Date" shall mean the later of (i) the date that the
         Participant elects in his Plan Agreement to have his Monthly Benefit
         commence under this Plan, which date is prior to the Participant's
         Normal Retirement Date and no earlier than the date the Participant
         will attain age 62, and (ii) the date of the Participant's Termination
         of Employment.

         "Early Retirement Monthly Benefit" shall mean a monthly amount equal to
         the Equivalent Actuarial Value of the Participant's Monthly Benefit
         (reflecting the commencement of benefits on the Participant's Early
         Retirement Date rather than his Normal Retirement Date).

         "Employee" shall mean a person who is classified as an employee of the
         Bank or the Holding Company.

         "Equivalent Actuarial Value" shall mean, unless otherwise specified in
         the Plan Agreement, a benefit of equivalent value to another form of
         benefit, computed on the basis of an interest rate factor of 7 percent
         per annum.

         "ERISA" shall mean the Employee Retirement Income Security Act of 1974,
         as it may be amended from time to time.

         "Final Average Compensation" shall mean the amount determined by
         dividing by three the Participant's aggregate Compensation during the
         three Plan Years (whether or not consecutive) that results in the
         largest total.

         "Holding Company" shall mean Community Central Bank Corporation, the
         parent corporation of the Bank.

         "Monthly Benefit" shall mean one twelfth (1/12) of the Participant's
         Annual Benefit.

         "Normal Retirement Date" shall mean the later of (i) the date of the
         Participant's Termination of Employment or (ii) the Participant's
         attainment of age sixty-five (65).

         "Participant" shall mean any Employee (i) who is selected to
         participate in the Plan, (ii) who signs a Plan Agreement and (iii)
         whose signed Plan Agreement is accepted by the Bank or the Committee. A
         spouse or former spouse of a Participant shall not be treated as a
         Participant in the Plan or have an Annual Benefit under the Plan, even
         if he or she has an interest in the Participant's benefits under the
         Plan as a result of applicable law or property settlements resulting
         from legal separation or divorce.

         "Payout Period" shall mean the number of consecutive months set forth
         as the Payout Period in a Participant's Plan Agreement, commencing on
         the first day of

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<PAGE>

         the calendar month next following the Participant's Normal Retirement
         Date, except as otherwise provided in Section 3.2(a).

         "Plan" shall mean this Supplemental Executive Retirement Plan, which
         shall be evidenced by this instrument and by each Plan Agreement, as
         they may be amended from time to time.

         "Plan Agreement" shall mean a written agreement, as may be amended from
         time to time, which is entered into by and between the Bank or the
         Holding Company and a Participant. Should there be more than one Plan
         Agreement, the Plan Agreement bearing the latest date of acceptance by
         the Bank or the Holding Company shall supersede all previous Plan
         Agreements in their entirety and shall govern such entitlement. The
         terms of any Plan Agreement may be different for any Participant, and
         any Plan Agreement may limit the benefits otherwise provided under the
         Plan.

         "Plan Year" shall mean a period beginning on January 1 of each calendar
         year and continuing through December 31 of such calendar year.

         "Termination of Employment" shall mean the severing of employment with
         the Bank for any reason.

         "Trust" shall mean any trust established between the Bank or the
         Holding Company and the trustee named therein to provide benefits
         hereunder, as amended from time to time.

         "Years of Credited Service" shall mean the total number of Plan Years
         (or fraction thereof determined on a months basis) taken into account
         under a Participant's Plan Agreement for purposes of calculating such
         Participant's Annual Benefit.

                                    ARTICLE 2
                       SELECTION, ENROLLMENT, ELIGIBILITY

2.1      SELECTION BY COMMITTEE. Participation in the Plan shall be limited to a
         select group of management and highly compensated Employees, as
         determined by the Committee in its sole discretion from time to time.
         From that group, the Committee shall select, in its sole discretion,
         Employees to participate in the Plan.

2.2      ENROLLMENT REQUIREMENTS. As a condition to participation, each selected
         Employee shall complete, execute and return to the Bank or the
         Committee a Plan Agreement. In addition, the Committee shall establish
         from time to time such other enrollment requirements as it determines
         in its sole discretion are necessary or appropriate.

2.3      ELIGIBILITY; COMMENCEMENT OF PARTICIPATION. Provided an Employee
         selected to participate in the Plan has met all enrollment requirements
         set forth in the Plan

                                       4
<PAGE>

         and required by the Committee, including returning all required
         documents to the Bank or the Committee, that Employee shall commence
         participation in the Plan on the date his Plan Agreement is executed by
         the Bank or the Holding Company.

2.4      TERMINATION OF PARTICIPATION. If the Committee determines in good faith
         that a Participant no longer qualifies as a member of a select group of
         management or highly compensated employees, as membership in such group
         is determined in accordance with Sections 201(2), 301(a)(3) and
         401(a)(1) of ERISA, the Committee shall have the right, in its sole
         discretion, to (i) cease further benefit accruals hereunder and/or (ii)
         immediately distribute in a single lump sum the Equivalent Actuarial
         Value of the Monthly Benefits for the Payout Period, determined as if
         the Participant experienced a Termination of Employment, and terminate
         the Participant's participation herein.

                                    ARTICLE 3
                                    BENEFITS

3.1      BENEFITS. Upon a Participant's Normal Retirement Date, the Bank shall
         pay the Monthly Benefit to him during the Payout Period. Upon a
         Participant's Early Retirement Date, the Bank shall pay the Early
         Retirement Monthly Benefit to him during the Payout Period.

3.2      NO DEATH BENEFITS.

         (a)      If the Participant dies before having commenced receiving
                  benefits under Section 3.1, no benefit shall be paid under
                  this Plan.

         (b)      If the Participant dies after he has commenced receiving
                  benefits under Section 3.1, then benefits under this Plan
                  shall terminate as of the first day of the month following the
                  date of death of the Participant.

3.3      ACCELERATION OF BENEFITS; LUMP SUM PAYMENTS. The Committee may
         accelerate the payment of a Participant's Monthly Benefits at such time
         and in such manner as the Committee may determine, in which case the
         accelerated benefit shall be equal to the Equivalent Actuarial Value of
         such unpaid Monthly Benefits.

3.4      TAX WITHHOLDING FROM DISTRIBUTIONS. The Bank, the Holding Company, or
         the trustee of the Trust, if applicable, shall withhold from any
         payments made to a Participant all federal, state and local income,
         employment and other taxes required to be withheld by the Bank, the
         Holding Company, or the trustee of the Trust, in connection with such
         payments, in amounts and in a manner to be determined in the sole
         discretion of the Bank, the Holding Company and the trustee of the
         Trust, if applicable.

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<PAGE>

                                    ARTICLE 4
                    IN-SERVICE WITHDRAWALS AND DISTRIBUTIONS

         No in-service withdrawals or distributions are permitted under the
Plan.

                                    ARTICLE 5
                                     VESTING

         Unless the Participant's Plan Agreement provides for a vesting schedule
with respect to the Plan benefits, the Participant shall be fully vested in his
Monthly Benefit at all times.

                                    ARTICLE 6
                            PARTICIPANT CONTRIBUTIONS

         Participant contributions are neither permitted nor required under the
Plan.

                                    ARTICLE 7
                                     FUNDING

7.1      FUNDING GENERALLY. The Bank's or the Holding Company's obligations
         under the Plan shall be an unfunded and unsecured promise to pay. The
         Bank or the Holding Company shall not be obligated under any
         circumstances to fund in advance its obligations under the Plan, and
         when the benefit amount is paid it shall be expensed out of the Bank's
         or the Holding Company's general assets.

7.2      OPTION TO FUND INFORMALLY. Notwithstanding Section 7.1, the Bank or the
         Holding Company may, at its sole option, or by agreement, informally
         fund its obligations under the Plan in whole or in part, provided,
         however, that in no event shall such informal funding be construed to
         create any trust fund, escrow account or other security for any
         Participant with respect to the payment of any benefit under the Plan,
         other than as permitted by Internal Revenue Service and Department of
         Labor rules and regulations for unfunded supplemental retirement plans.

                                    ARTICLE 8
                                LEAVE OF ABSENCE

         If a Participant is authorized by the Bank or the Holding Company for
any reason to take a leave of absence from employment with the Bank or the
Holding Company, such Participant shall continue to be considered employed by
the Bank or the Holding Company during such leave of absence (and therefore not
to have experienced a Termination of Employment) and service during the leave of
absence shall be credited for purposes of determining the Participant's Years of
Credited Service.

                                    ARTICLE 9
                     TERMINATION, AMENDMENT OR MODIFICATION

9.1      TERMINATION. Although the Bank anticipates that it will continue as a
         sponsor of the Plan for an indefinite period of time, there is no
         guarantee that it will continue

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<PAGE>

         as a sponsor of the Plan or will not terminate its sponsorship of the
         Plan at any time in the future. Accordingly, the Bank reserves the
         right to terminate its sponsorship of the Plan at any time with respect
         to any or all of its Participants, by action of the Board. Upon
         termination of sponsorship of the Plan by the Bank, the Annual and
         Monthly Benefit of each affected Participant shall be determined as if
         he had experienced a Termination of Employment on the date Plan
         sponsorship is terminated. Monthly Benefits shall be paid to affected
         Participants as follows: Prior to a Change in Control, the Bank shall
         have the right, in its sole discretion, to pay the Equivalent Actuarial
         Value of the Monthly Benefits for the Payout Period in a lump sum;
         otherwise payments shall be made as provided for in Article 3. After a
         Change in Control, the Bank shall be required to pay the Equivalent
         Actuarial Value of the Monthly Benefits for the Payout Period in a lump
         sum. If the Bank terminates its sponsorship of the Plan, the Plan shall
         terminate. The termination of sponsorship of the Plan or the
         termination of the Plan shall not adversely affect any Participant who
         has become entitled to the payment of any benefits under the Plan as of
         the date of termination; provided, however, that the Bank shall have
         the right to accelerate payments without a premium or prepayment
         penalty by paying the Equivalent Actuarial Value of the remaining
         benefits in a lump sum.

9.2      AMENDMENT. The Bank may, at any time, amend or modify the Plan in whole
         or in part by action of the Board; provided, however, that no amendment
         or modification shall be effective to decrease or restrict the value of
         a Participant's Annual Benefit determined at the time the amendment or
         modification is made, calculated as if the Participant had experienced
         a Termination of Employment as of the effective date of the amendment
         or modification. The amendment or modification of the Plan shall not
         affect any Participant who has become entitled to the payment of
         benefits under the Plan as of the date of the amendment or
         modification; provided, however, that the Bank shall have the right to
         accelerate payments without a premium or prepayment penalty by paying
         the Equivalent Actuarial Value of the unpaid Monthly Benefits in a lump
         sum.

9.3      EFFECT OF PAYMENT. The full payment of the applicable benefit under the
         Plan shall completely discharge all obligations to a Participant under
         the Plan.

                                   ARTICLE 10
                                 ADMINISTRATION

10.1     COMMITTEE DUTIES. The Plan shall be administered by a Committee which
         shall consist of the Board, or such committee as the Board shall
         appoint. Members of the Committee may be Participants under the Plan.
         The Committee shall also have the discretion and authority to (i) make,
         amend, interpret, and enforce all appropriate rules and regulations for
         the administration of the Plan and (ii) decide or resolve any and all
         questions including interpretations of the Plan, as may arise in
         connection with the Plan. Any individual on the Committee who is a
         Participant shall not vote or act on any matter relating solely to
         himself. When making a determination or calculation, the Committee
         shall be entitled to rely on information furnished by a Participant,
         the Bank or the Holding Company.

                                       7
<PAGE>

10.2     AGENTS. In the administration of the Plan, the Committee may, from time
         to time, employ agents and delegate to them such administrative duties
         as it sees fit (including acting through a duly appointed
         representative) and may from time to time consult with counsel who may
         be counsel to the Bank or the Holding Company.

10.3     BINDING EFFECT OF DECISIONS. The decision or action of the Committee
         with respect to any question arising out of or in connection with the
         administration, interpretation and application of the Plan and the
         rules and regulations promulgated hereunder shall be final and
         conclusive and binding upon all persons having any interest in the
         Plan.

10.4     INDEMNITY OF COMMITTEE. The Bank shall indemnify and hold harmless the
         members of the Committee, and any person to whom the duties of the
         Committee may be delegated, against any and all claims, losses,
         damages, expenses or liabilities arising from any action or failure to
         act with respect to the Plan, except in the case of gross misconduct by
         the Committee or any of its members or any such delegate.

10.5     INFORMATION. To enable the Committee to perform its functions, the Bank
         and the Holding Company shall supply full and timely information to the
         Committee as the Committee may reasonably request.

                                   ARTICLE 11
                          OTHER BENEFITS AND AGREEMENTS

         The benefits provided for a Participant under the Plan are in addition
to any other benefits available to such Participant under any other plan or
program sponsored by the Bank. The Plan shall supplement and shall not
supersede, modify or amend any other such plan or program except as may
otherwise be expressly provided therein.

                                   ARTICLE 12
                                CLAIMS PROCEDURES

12.1     PRESENTATION OF CLAIM. Any Participant (such Participant being referred
         to below as a "Claimant") may deliver to the Committee a written claim
         for a determination with respect to the amounts distributable to such
         Claimant from the Plan. If such a claim relates to the contents of a
         notice received by the Claimant, the claim must be made within 60 days
         after such notice was received by the Claimant. All other claims must
         be made within 180 days of the date on which the event that caused the
         claim to arise occurred. The claim must state with particularity the
         determination desired by the Claimant.

12.2     NOTIFICATION OF DECISION. The Committee shall consider a Claimant's
         claim within a reasonable time, and shall notify the Claimant in
         writing:

                                       8
<PAGE>

         (a)      that the Claimant's requested determination has been made, and
                  that the claim has been allowed in full; or

         (b)      that the Committee has reached a conclusion contrary, in whole
                  or in part, to the Claimant's requested determination, and
                  such notice must set forth in a manner calculated to be
                  understood by the Claimant:

                  (i)      the specific reason(s) for the denial of the claim,
                           or any part of it;

                  (ii)     specific reference(s) to pertinent provisions of the
                           Plan upon which such denial was based;

                  (iii)    a description of any additional material or
                           information necessary for the Claimant to perfect the
                           claim, and an explanation of why such material or
                           information is necessary; and

                  (iv)     an explanation of the claim review procedure set
                           forth in Section 12.3 below.

12.3     REVIEW OF A DENIED CLAIM. With 60 days after receiving a notice from
         the Committee that a claim has been denied, in whole or in part, a
         Claimant (or the Claimant's duly authorized representative) may file
         with the Committee a written request for a review of the denial of the
         claim. Thereafter, but not later than 30 days after the review
         procedure began, the Claimant (or the Claimant's duly authorized
         representative):

         (a)      may review pertinent documents;

         (b)      may submit written comments or other documents; and/or

         (c)      may request a hearing, which the Committee, in its sole
                  discretion, may grant.

12.4     DECISION ON REVIEW. The Committee shall render its decision on review
         promptly, and not later than 60 days after the filing of a written
         request for review of the denial, unless a hearing is held or other
         special circumstances require additional time, in which case the
         Committee's decision must be rendered within 120 days after such date.
         Such decision must be written in a manner calculated to be understood
         by the Claimant, and it must contain:

         (a)      specific reasons for the decision;

         (b)      specific reference(s) to the pertinent Plan provisions upon
                  which the decision was based; and

         (c)      such other matters as the Committee deems relevant.

                                       9
<PAGE>

12.5     LEGAL ACTION. A Claimant's compliance with the foregoing provisions of
         this Article 12 is a mandatory prerequisite to a Claimant's right to
         commence any legal action with respect to any claim for benefits under
         the Plan.

                                   ARTICLE 13
                                      TRUST

13.1     ESTABLISHMENT OF THE TRUST. The Bank may establish the Trust upon such
         terms as it deems appropriate.

13.2     INTERRELATIONSHIP OF THE PLAN AND THE TRUST. The provisions of the
         Plan, including a Participant's Plan Agreement, shall govern the rights
         of such Participant to receive distributions pursuant to the Plan. The
         provisions of the Trust shall govern the rights of the Bank, the
         Holding Company, Participants and the creditors of the Bank and the
         Holding Company to any assets transferred to the Trust. The Bank and
         the Holding Company shall at all times remain liable to carry out its
         obligations under the Plan.

13.3     INVESTMENT OF TRUST ASSETS. The trustee of the Trust shall be
         authorized, upon written instructions received from the Committee or
         investment manager appointed by the Committee, to invest and reinvest
         the assets of the Trust in accordance with the applicable trust
         agreement.

13.4     DISTRIBUTIONS FROM THE TRUST. The Bank's and the Holding Company's
         obligations under the Plan may be satisfied with Trust assets
         distributed pursuant to the terms of the Trust and any such
         distribution shall reduce the Bank's and the Holding Company's
         obligations under the Plan.

                                   ARTICLE 14
                                  MISCELLANEOUS

14.1     STATUS OF PLAN. The Plan is intended to be a plan that is not qualified
         within the meaning of Code Section 401(a) and that "is unfunded and is
         maintained by an employer primarily for the purpose of providing
         deferred compensation for a select group of management or highly
         compensated employees" within the meaning of ERISA Sections 201(2),
         301(a)(3) and 401(a)(1). The Plan shall be administered and interpreted
         to the extent possible in a manner consistent with that intent.

14.2     UNSECURED GENERAL CREDITOR. Participants and their Beneficiaries,
         heirs, successors and assigns shall have no legal or equitable rights,
         interests or claims in any property or assets of the Bank or the
         Holding Company. For purposes of the payment of benefits under the
         Plan, any and all assets of the Bank or the Holding Company shall be,
         and remain the general, unpledged and unrestricted assets of such
         entity. The Bank's and the Holding Company's obligation under the Plan
         shall be merely of an unfunded and unsecured promise to pay money in
         the future.

                                       10
<PAGE>

14.3     LIABILITY. The Bank's and the Holding Company's liability for the
         payment of benefits shall be defined only by the Plan including a
         Participant's Plan Agreement. The Bank and the Holding Company shall
         have no obligation to a Participant under the Plan except as expressly
         provided in the Plan including such Participant's Plan Agreement.

14.4     NONASSIGNABILITY. Neither a Participant nor any other person shall have
         any right to commute, sell, assign, transfer, pledge, anticipate,
         mortgage or otherwise encumber, transfer, hypothecate, alienate or
         convey in advance of actual receipt, the amounts, if any, payable
         hereunder, or any part thereof, which are, and all rights to which are
         expressly declared to be, unassignable and non-transferable. No part of
         the amounts payable shall, prior to actual payment, be subject to
         seizure, attachment, garnishment or sequestration for the payment of
         any debts, judgments, alimony or separate maintenance allowed by a
         Participant or any other person, be transferable by operation of law in
         the event of a Participant's or any other person's bankruptcy or
         insolvency or be transferable to a spouse as a result of a property
         settlement or otherwise.

14.5     NOT A CONTRACT OF EMPLOYMENT. The terms and conditions of the Plan,
         including a Participant's Plan Agreement, shall not be deemed to
         constitute a contract of employment between the Bank or the Holding
         Company and a Participant. Nothing in the Plan shall be deemed to give
         a Participant the right to be retained in the service of the Bank or
         the Holding Company or to interfere with the right of the Bank or the
         Holding Company to discipline or discharge such Participant at any
         time.

14.6     FURNISHING INFORMATION. A Participant will cooperate with the Committee
         by furnishing any and all information requested by the Committee and
         take such other actions as may be requested in order to facilitate the
         administration of the Plan and the payments of benefits hereunder,
         including but not limited to, taking such physical examinations as the
         Committee may deem necessary.

14.7     TERMS. Whenever any words are used herein in the masculine, they shall
         be construed as though they were in the feminine in all cases where
         they would so apply; and whenever any words are used herein in the
         singular or in the plural, they shall be construed as though they were
         used in the plural or the singular, as the case may be, in all cases
         where they would so apply.

14.8     CAPTIONS. The captions of the articles, sections and paragraphs of the
         Plan are for convenience only and shall not control or affect the
         meaning or construction of any of its provisions.

14.9     GOVERNING LAW. Subject to ERISA, the provisions of the Plan shall be
         construed and interpreted according to the internal laws of the State
         of Michigan without regard to its conflicts of laws and principles.

                                       11
<PAGE>

14.10    NOTICE. Any notice or filing required or permitted to be given to the
         Committee under the Plan shall be sufficient if in writing and
         hand-delivered, or sent by registered or certified mail, to the address
         below.

                  Director of Human Resources
                  Community Central Bank
                  100 North Main Street
                  Mount Clemens, Michigan   48043

         Such notice shall be deemed given as of the date of delivery or, if
         delivery is made by mail, as of the date shown on the postmark on the
         receipt for registration or certification. Any notice or filing
         required or permitted to be given to a Participant under the Plan shall
         be sufficient if in writing and hand-delivered, or sent by mail, to the
         last known address of such Participant.

14.11    SUCCESSORS. The provisions of the Plan shall bind and inure to the
         benefit of the Bank, the Holding Company and their successors and
         assigns and the Participant.

14.12    SPOUSE'S INTEREST. The interest in the benefits hereunder of a spouse
         of a Participant who has predeceased the Participant shall
         automatically pass to the Participant and shall not be transferable by
         such spouse in any manner including, but not limited to, such spouse's
         will, nor shall such interest pass under the laws of intestate
         succession.

14.13    VALIDITY. In case any provision of the Plan shall be illegal or invalid
         for any reason, said illegality or invalidity shall not affect the
         remaining parts hereof, but the Plan shall be constructed and enforced
         as if such illegal or invalid provision had never been inserted herein.

14.14    INCOMPETENT. If the Committee determines in its discretion that a
         benefit under the Plan is to be paid to a minor, a person declared
         incompetent or to a person incapable of handling the disposition of
         that person's property, the Committee may direct payment of such
         benefit to the guardian, legal representative or person having the care
         and custody of such minor, incompetent or incapable person. The
         Committee may require proof of minority, incompetence, incapacity or
         guardianship, as it may deem appropriate prior to distribution of the
         benefit. Any payment of a benefit shall be a payment for the account of
         the Participant and shall be a complete discharge of any liability
         under the Plan for such payment amount.

14.15    COURT ORDER. The Committee is authorized to make any payments directed
         by court order in any action in which the Plan or the Committee has
         been named as a party. In addition, if a court determines that a spouse
         or former spouse of a Participant has an interest in the Participant's
         benefits under the Plan in connection with a property settlement or
         otherwise, the Committee, in its sole discretion shall have the right,
         notwithstanding any election made by the

                                       12
<PAGE>

         Participant, to immediately distribute the spouse's or former spouse's
         interest in the Participant's benefits under the Plan to that spouse or
         former spouse.

14.16    DISTRIBUTION IN THE EVENT OF TAXATION. If, for any reason, all or any
         portion of a Participant's benefits under the Plan becomes taxable to
         the Participant prior to receipt, a Participant may petition the
         Committee for a distribution of that portion of his benefit that has
         become taxable. Upon the grant of such a petition, which grant shall
         not be unreasonably withheld (and, after a Change in Control, shall be
         granted), the Bank or the Holding Company shall distribute to the
         Participant immediately available funds in an amount equal to the
         taxable portion of his benefit (which amount shall not exceed such
         Participant's Equivalent Actuarial Value of his unpaid Monthly
         Benefits). If the petition is granted, the tax liability distribution
         shall be made within 90 days of the date when the Participant's
         petition is granted. Such a distribution shall affect and reduce the
         benefits to be paid under the Plan.

14.17    INSURANCE. The Bank or the Holding Company, on its own behalf or on
         behalf of the trustee of the Trust, and, in its sole discretion, may
         apply for and procure insurance on the life of any Participant, in such
         amounts and in such forms as it may choose. The Bank, the Holding
         Company or the trustee of the Trust, as the case may be, shall be the
         sole owner and beneficiary of any such insurance. No Participant shall
         have any interest whatsoever in any such policy or policies, and a
         Participant shall at the request of the Bank or the Holding Company
         submit to medical examinations and supply such information and execute
         such documents as may be required by the insurance company or companies
         to whom the Bank or the Holding Company has applied for insurance.

14.18    LEGAL FEES TO ENFORCE RIGHTS AFTER CHANGE IN CONTROL. The Bank and the
         Holding Company is aware that upon the occurrence of a Change in
         Control, the Board (which might then be comprised of new members) or
         stockholders of the Bank or the Holding Company, or of any successor
         corporation, might then cause or attempt to cause Bank or the Holding
         Company, or such successor to refuse to comply with its obligations
         under the Plan and might cause or attempt to cause the Bank or the
         Holding Company to institute, or may institute, litigation seeking to
         deny Participants the benefits intended under the Plan. In these
         circumstances, the purpose of the Plan could be frustrated.
         Accordingly, if, following a Change in Control, it should appear to any
         Participant that the Bank, the Holding Company or any successor
         corporation has failed to comply with any of its obligations under the
         Plan or any agreement thereunder, or, if the Bank, the Holding Company
         or any other person takes any action to declare the Plan void or
         unenforceable or institutes any litigation or other legal action
         designed to deny, diminish or to recover from any Participant the
         benefits intended to be provided, then the Bank or the Holding Company
         irrevocably authorizes such Participant to retain counsel of his choice
         at the expense of the Bank or the Holding Company to represent such
         Participant in connection with the initiation or defense of any
         litigation or other legal action, whether by or against the Bank or the
         Holding Company or any director, officer, stockholder or other person
         affiliated with the Bank or the Holding Company or any successor
         thereto in any jurisdiction.

                                       13
<PAGE>

         The Bank and the Holding Company have signed the Plan as of
___________, 2003.

                         COMMUNITY CENTRAL BANK

                         By: __________________________
                         Name: ________________________
                         Title: _______________________
                                _______________________

                         COMMUNITY CENTRAL BANK CORPORATION

                         By: __________________________
                         Name: ________________________
                         Title: _______________________
                                _______________________

                         By: __________________________
                         Name: ________________________
                         Title: _______________________
                                _______________________

                                       14
<PAGE>

     COMMUNITY CENTRAL BANK SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN AGREEMENT

         Community Central Bank (the "Bank") is the sponsor of the Community
Central Bank Supplemental Executive Retirement Plan (the "Plan"). The Bank and
the undersigned executive of the Bank (the "Employee") hereby agree, for good
and valuable consideration, the value of which is hereby acknowledged, that the
Employee shall participate in the Plan as such Plan is currently in effect and
as the same may hereafter be modified or amended. The Employee does hereby
acknowledge that he has been provided with a copy of the Plan as currently in
effect and he does specifically agree to the terms and conditions thereof. The
Employee understands that his receipt (or his Beneficiary's receipt) of benefits
under the Plan shall be subject to all provisions of the Plan. All capitalized
terms not defined herein shall have the meaning assigned to them under the Plan.

          PROVISIONS REGARDING PLAN BENEFITS, VESTING, RETIREMENT DATES
                           AND YEARS OF SERVICE CREDIT

         1. No limitations other than those contained in the Plan and this Plan
Agreement shall apply to the Employee's entitlement to benefits under the Plan.

         2. The Employee's annual benefit percentage is 50%.

         3. The Employee's minimum Annual Benefit shall be $75,000.

         4. For purposes of determining "Years of Credited Service", the
Employee shall be credited with all Years of Credited Service earned after
December 31, 1999.

         5. The "Payout Period" shall be 180 consecutive months.

         6. If elected by the Employee, the Payout Period shall commence on a
designated Early Retirement Date. The Early Retirement Date shall not be earlier
than one year preceding the date the Employee elects in writing to have his
benefits commence. The Employee acknowledges and understands that (a) no benefit
will be paid on an Early Retirement Date unless this written election is made,
and (b) if benefits commence on an Early Retirement Date, the Employee's monthly
payment under the Plan will be smaller than the Monthly Benefit he would have
received had benefits commenced at his Normal Retirement Date, to reflect the
earlier commencement of benefits.

         7. The Employee shall vest in his Annual Benefit (including his minimum
Annual Benefit) over a 10-year period, at a rate of 10 percent for each Year of
Credited Service. The Employee shall be 100 percent vested in his Annual Benefit
upon a Change in Control, regardless of his actual Years of Credited Service.

         8. In the event that any payments or benefits provided or to be
provided to the Employee pursuant to this Plan Agreement, in combination with
payments or benefits, if any, from other plans or arrangements maintained by the
Holding Company

                                       15
<PAGE>

or the Bank, constitute "excess parachute payments" under Section 280G of the
Code that are subject to excise tax under Section 4999 of the Code, the Bank
shall pay to the Employee in cash an additional amount equal to the amount of
the Gross Up Payment (as hereinafter defined). The "Gross Up Payment" shall be
the amount needed to ensure that the amount of such payments and the value of
such benefits received by the Employee (net of such excise tax and any federal,
state and local tax on the Bank's payment to him attributable to such excise
tax) equals the amount of such payments and value of such benefits as he would
receive in the absence of such excise tax and any federal, state and local tax
on the Bank's payment to him attributable to such excise tax. The Bank shall pay
the Gross Up Payment within 30 days after the Change in Control. For purposes of
determining the amount of the Gross Up Payment, the value of any non-cash
benefits and deferred payments or benefits shall be determined by the Bank's
independent auditors in accordance with the principles of Section 280G(d)(3) and
(4) of the Code. In the event that, after the Gross Up Payment is made, the
amount of the excise tax is determined to be less than the amount calculated in
the determination of the actual Gross Up Payment made by the Bank, the Employee
shall repay to the Bank, at the time that such reduction in the amount of excise
tax is finally determined, the portion of the Gross Up Payment attributable to
such reduction, plus interest on the amount of such repayment at the applicable
federal rate under Section 1274 of the Code from the date of the Gross Up
Payment to the date of the repayment. The amount of the reduction of the Gross
Up Payment shall reflect any subsequent reduction in excise taxes resulting from
such repayment. In the event that, after the Gross Up Payment is made, the
amount of the excise tax is determined to exceed the amount anticipated at the
time the Gross Up Payment was made, the Bank shall pay to the Employee, in
immediately available funds, at the time that such additional amount of excise
tax is finally determined, an additional payment ("Additional Gross Up Payment")
equal to such additional amount of excise tax and any federal, state and local
taxes thereon, plus all interest and penalties, if any, owed by the Employee
with respect to such additional amount of excise and other tax. The Bank shall
have the right to challenge, on the Employee's behalf, any excise tax assessment
against him as to which the Employee is entitled to (or would be entitled if
such assessment is finally determined to be proper) a Gross Up Payment or
Additional Gross Up Payment, provided that all costs and expenses incurred in
such a challenge shall be borne by the Bank and the Bank shall indemnify the
Employee and hold him harmless, on an after-tax basis, from any excise or other
tax (including interest and penalties with respect thereto) imposed as a result
of such payment of costs and expenses by the Bank.

                             BENEFICIARY DESIGNATION

         THE EMPLOYEE ACKNOWLEDGES THAT HE MUST DESIGNATE HIS SPOUSE AS HIS SOLE
PRIMARY BENEFICIARY, UNLESS HIS SPOUSE EXECUTES A SPOUSAL CONSENT PERMITTING
ANOTHER PERSON TO BE SO DESIGNATED AS PRIMARY BENEFICIARY.

         The Employee designates the following individuals as his "BENEFICIARY".
The Employee acknowledges that he is aware of his right to change such
designation by submitting to the Committee at a subsequent time a new written
designation of his primary and secondary Beneficiaries to whom payment under the
Plan shall be made in the event of his death prior to complete distribution of
the benefits payable to him under

                                       16
<PAGE>

the Plan. The Employee understands that any Beneficiary designation made
subsequent to the execution of this Plan Agreement must be executed and dated by
him and shall become effective only when receipt thereof is acknowledged in
writing by the Committee or the Bank.

         PRIMARY BENEFICIARIES:

         SECONDARY BENEFICIARIES:

         The Employee understands that he may at any time, upon written request
to the Bank or the Committee, obtain a copy of the Plan as then in effect.

__________________________________________________        _______________, 2003
                                    , Employee

COMMUNITY CENTRAL BANK

By  ______________________________________________        _______________, 2003

Name:  ___________________________________________

Title:  __________________________________________

                                       17

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