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                                                                 EXHIBIT (10)(h)

                        SUPPLEMENTAL EXECUTIVE RETIREMENT
                              PLAN FOR EMPLOYEES OF
                      CMS ENERGY / CONSUMERS ENERGY COMPANY

                                  INTRODUCTION

The objective of the Supplemental Executive Retirement Plan (hereinafter
referred to as the "Supplemental Plan") is to attract and motivate top level
executives, including those recruited in mid- or late-career whose normal
pension would result in inadequate compensation, by providing additional
retirement income to supplement that provided by the Pension Plan of the
Company.

The Supplemental Executive Retirement Plan became effective on January 1, 1982
and is applicable to all employees of the Company who are eligible in accordance
with the provisions of this Supplemental Plan.

This instrument describes the Supplemental Plan for employees who retire, die or
whose services are terminated on or after May 1, 1998. The rights of employees
who, prior to May 1, 1998, retired, died or whose services were terminated are
governed by the provisions of the instrument in effect at such time. This
Supplemental Plan is an unfunded, unsecured promise to pay benefits at a later
date. Subject to the provisions of this Supplemental Plan, Participants have no
greater rights than the general creditors of the Company.

                             SECTION I. DEFINITIONS

Whenever used in this Supplemental Plan, the following terms shall have the
respective meanings set forth below, unless the context clearly indicates
otherwise. The definitions set forth in Section I of the Pension Plan are hereby
adopted and made a part of this Supplemental Plan.

"ACCRUED                 Means the Supplemental Executive Retirement Income
SUPPLEMENTAL             beginning at Normal Retirement Date which would be
EXECUTIVE                payable to a Participant at the rates provided in
RETIREMENT               subsection 1 of Section V, on the basis of his
INCOME"                  Accredited Service and Preference Service rendered to
                         the date of computation.

"DISABILITY SERVICE      Means the pension supplement, provision for which is
PENSION                  made in Section V, subsection 9 of this Supplemental
SUPPLEMENT"              Executive Retirement Plan.

"EXECUTIVE               Means the applicable amount awarded to the Participant
INCENTIVE                under an Executive Incentive Compensation Plan of the
COMPENSATION"            Company.

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"FINAL EXECUTIVE         Means 1/12th of the average of the Earnings (without
PAY"                     regard to any limitations imposed on the Pension Plan
                         by the Internal Revenue Code or Regulations thereunder)
                         plus Executive Incentive Compensation (if any) of a
                         Participant, including any such amounts deferred, for
                         his five years of highest totals of Earnings plus
                         Executive Incentive Compensation (if any) during the
                         period of his Accredited Service (or the average of his
                         monthly total of Earnings plus Executive Incentive
                         Compensation earned over his Accredited Service,
                         including any such amounts deferred, if the Participant
                         has fewer than five years of Accredited Service as a
                         Participant).

                         For a Participant with a Salary Grade E-5 or above and
                         who, upon a Change in Control, receives a severance
                         payment under an employment agreement, three of the
                         five highest years of Earnings plus Executive Incentive
                         Compensation shall be one-third of the severance
                         payment paid to such Participant.

                         For purposes of determining Final Executive Pay,
                         Accredited Service shall include only the service
                         provided while the Participant holds a position that
                         qualifies for inclusion under this Supplemental Plan.

"PARTICIPANT"            Means an employee of the Company included in the
                         Supplemental Plan pursuant to Section II.

"PLAN" OR                Means the Pension Plan for Employees of Consumers
"PENSION PLAN"           Energy Company, as amended.

"PREFERENCE              Means the period of service credited to a Participant
SERVICE"                 pursuant to Section III.

"SERP RETIREMENT         Means the managing board of the Plan as determined by
BOARD"                   the Board of Directors.

"SUPPLEMENTAL            Means the monthly retirement income provided for by
EXECUTIVE                this Supplemental Plan.
RETIREMENT
INCOME"

"SUPPLEMENTAL            Means the Supplemental Executive Retirement Plan as it
PLAN"                    is described in this instrument.

The masculine pronoun wherever used herein shall mean or include the feminine
pronoun.

                             SECTION II. ELIGIBILITY

1. EMPLOYEES INCLUDED ON JANUARY 1, 1982 BUT BEFORE MAY 1, 1995. Each officer or
other executive of the Company in Salary Grades E-1 and above on January 1,
1982, who is eligible for inclusion in the Pension Plan on that date, will be
included in the Supplemental Plan as of January 1, 1982.

2. EMPLOYEES INCLUDED AFTER JANUARY 1, 1982. Each officer or other executive of
the Company who is eligible for inclusion in the Pension Plan and is appointed
to a position at Salary Grade E-1 or above after January 1, 1982, will be
included in the Supplemental Plan on the first day of the month after he assumes
such a position. Effective May 1, 1995, an officer or executive of Consumers
Energy who is eligible for

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inclusion in the Pension Plan and is appointed to a position at Salary Grade F
or above will be included in the Supplemental Plan on the first day of the month
after he assumes such position.

                SECTION III. DETERMINATION OF PREFERENCE SERVICE

1. PREFERENCE SERVICE. Each Participant with a Salary Grade E-3 or above and
each Participant below Salary Grade E-3 included in this Plan as of April 30,
1998, shall be credited with one month of Preference Service for each month of
Accredited Service credited to him under the Pension Plan until the sum of
Accredited Service and Preference Service equals 20 years and, upon a Change in
Control as defined in Section XII, each Participant with a Salary Grade E-5 or
above and who receives a severance payment under an employment agreement shall
be credited with an additional 36 months of Preference Service; provided,
however, Preference Service will be reduced by the amount (if any) by which the
total period of Preference Service when added to the total period of Accredited
Service exceeds 35 years. Any Participant on May 1, 1998 who has been credited
with more than 20 years of Accredited Service and Preference Service shall not
have such Preference Service reduced until such time as the sum of Accredited
Service and Preference Service exceeds 35 years. Each Participant below Salary
Grade E-3 first included in this Supplemental Plan on or after May 1, 1998 shall
not be credited with Preference Service.

2. TRANSFERS TO OR FROM AFFILIATED COMPANIES. In the case of the transfer of a
Participant to any company now affiliated or associated with the Company which
has at the time of transfer a pension plan with substantially the same terms as
the Pension Plan, and a supplemental plan with substantially the same terms as
this Supplemental Plan, such Participant, if and when he commences to receive
retirement income under the pension plan of the company to which he transferred,
should also receive supplemental executive retirement income from that company
based upon the Earnings and Executive Incentive Compensation received from the
Company as if such Earnings and Executive Incentive Compensation had been
received from the company to which the Participant transferred.

In the case of the transfer to this Company of any participant employed by any
company now affiliated or associated with the Company which has at the time of
transfer a pension plan with substantially the same terms as the Pension Plan,
and a supplemental plan with substantially the same terms as this Supplemental
Plan, such Participant, if and when he commences to receive Retirement Income
under the Pension Plan, will also receive Supplemental Executive Retirement
Income from the Company based upon the earnings and executive incentive
compensation received from the company from which he transferred as if such
earnings and executive incentive compensation were Earnings and Executive
Incentive Compensation received from the Company.

In the event of a transfer or transfers as set forth above, the right of the
Participant to receive benefits under this Supplemental Plan or a supplemental
plan with substantially the same terms maintained by an affiliated or associated
Company will be suspended until such time as the Participant commences to
receive supplemental executive retirement income under such other plan or the
Participant commences to receive Supplemental Executive Retirement Income under
this Supplemental Plan, at which time the Participant shall receive all
supplemental executive retirement income and Supplemental Executive Retirement
Income to which the Participant is entitled under this Supplemental Plan or a
plan maintained by an affiliated or associated company.

                             SECTION IV. RETIREMENT

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Retirement dates for the purposes of this Supplemental Plan shall be the same as
set forth in the retirement provisions of the Pension Plan; provided, however,
that a Participant must have five years of actual service after inclusion in
this Supplemental Plan to be eligible for Supplemental Executive Retirement
Income. Any Participant with less than five years of actual service under this
Supplemental Plan and who has submitted a request for retirement on or before
July 1, 1998, and whose request has been accepted by the SERP Retirement Board
on or before May 1, 1998, may retire under this Supplemental Plan.

               SECTION V. SUPPLEMENTAL EXECUTIVE RETIREMENT INCOME

While the Company hopes and expects to continue the Supplemental Plan
indefinitely, it reserves the right to terminate or modify it at any time.

1. NORMAL OR DEFERRED SUPPLEMENTAL EXECUTIVE RETIREMENT INCOME. The monthly
Supplemental Executive Retirement Income payable to a Participant who, at Normal
Retirement Date or a Deferred Retirement Date, retires on or after September 1,
1995, pursuant to the provisions of the Pension Plan from the service of the
Company, will be an amount equal to the product of the Participant's Final
Executive Pay times the sum of the percentages determined below, plus, for each
employee who retires with 35 years of Accredited Service under the Pension Plan,
an amount equal to $20.00 for each additional full year of vested service that
would otherwise have been credited as Accredited Service but for the application
of the minimum age requirements in the Pension Plan or the 35-year Accredited
Service maximum, minus (i) a portion of the Participant's estimated primary
Social Security benefit, as determined pursuant to the Pension Plan, equal to
the lesser of (1) .5% multiplied by 1/12th of the Participant's "Final Average
Compensation" up to "Covered Compensation" (as those terms are used in Section
401(l) of the Internal Revenue Code) for each year of Accredited Service and
Preference Service, (2) 1/2 of the benefit that would be provided prior to the
application of the offset, with respect to Participant's Final Pay up to Covered
Compensation, or (3) the maximum offset allowed under Section 401(l) of the
Internal Revenue Code, and (ii) the Retirement Income provided by the Pension
Plan:

2.1% for each of the first 20 years of Accredited Service and Preference
Service.

1.5% for each of the next 15 years of Accredited Service and Preference Service.

2. EARLY SUPPLEMENTAL EXECUTIVE RETIREMENT INCOME. The monthly Supplemental
Executive Retirement Income payable to a Participant who, on an Early Retirement
Date, retires from the service of the Company, will be the amount of his Accrued
Supplemental Executive Retirement Income on the date his retirement commences,
reduced by 5/12th of 1% for each month by which his Early Retirement Date
precedes his Normal Retirement Date by more than 36 months.

3. LIMITATION AS TO MONTHS FOR WHICH PAYMENT MAY BE MADE. The Company shall pay
to a Participant, or to his Provisional Payee, if applicable, Supplemental
Executive Retirement Income in the amount determined pursuant to this
Supplemental Plan only for a month in which the Participant or his Provisional
Payee is entitled to receive Retirement Income under the provisions of the
Pension Plan or would be entitled to Retirement Income but for the election of a
Single Sum payment under the Pension Plan. Payment of Supplemental Executive
Retirement Income shall terminate when payment of Retirement Income is
terminated pursuant to the Pension Plan.

4. The payments provided for in this Supplemental Plan shall be made by the
Company at such times as required under this Supplemental Plan; provided,
however, that, while the Company hopes and expects to make the payments provided
for under this Supplemental Plan, such payment is not guaranteed.

5. The Company may establish a fund, as part of the general assets of the
Company, to provide for the payments required under this Supplemental Plan.

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6. MAXIMUM PERMISSIBLE RETIREMENT INCOME. Notwithstanding any other provision of
this Supplemental Plan, if the Retirement Income payable to a retired employee
under provisions of subsection 7 of Section V of the Pension Plan is a greater
amount than permitted by Section 415 of the Internal Revenue Code to be paid by
qualified plans, then such excess Retirement Income shall be payable to such
retired employee under this Plan; subject, however, to approval by the Board of
Directors of the Company for each such employee.

7. SINGLE SUM PAYMENT. The Retirement Board, after discussion with a retiring
Participant, may pay in a single sum to such Participant, who retires on or
after February 1, 1991, at the time of the Participant's retirement with
benefits under the Pension Plan, the present value of the Participant's
Supplemental Executive Retirement Income. The present value of that part of the
Participant's Supplemental Executive Retirement Income which represents payment
to make up Retirement Income lost under the Pension Plan because of the Maximum
Retirement Income provision thereof (Section V, subsection 6 of the Plan) will
not be paid in a lump sum unless the Participant has elected to receive a single
sum payment under the Pension Plan. The present value will be actuarially
determined using the Pension Benefit Guaranty Corporation Immediate Annuity
Rate, as of the date of the distribution, increased to 120%. The discussion with
a retiring Participant is for the purpose of assuring the Retirement Board of
accurate current information for use in making its independent decision as to
whether or not to make payment in a single sum. In making its independent
decision, the Retirement Board may take into account any financial hardship of
the Participant, the health or disability of the Participant, and/or any other
factor it considers relevant. The decision of the Retirement Board shall be in
the sole discretion of said Board and shall be final, binding and conclusive.
Discussion with respect to such a payment and the decision with respect thereto
will take place at least three months before Early Retirement Date, Normal
Retirement Date or Deferred Retirement Date. The SERP Retirement Board will not
render a decision regarding a single sum payment any earlier than six months
prior to the Participant's actual retirement date.

8. RETIRED PARTICIPANTS. The Supplemental Executive Retirement Income of retired
Participants may be increased from time to time by such reasonable amounts as
determined by the Board of Directors of the Company, to counter the effects of
inflation, provided that the percentage amount of such increases will be made
uniformly for all retired Participants, or for retired Participants within such
reasonable classes, as may be determined by the Board of Directors. This
provision shall not apply to any Participant who has received his benefit as a
single sum.

9. DISABILITY SERVICE PENSION SUPPLEMENT. If a Participant is totally disabled
(unable to perform the Participant's regular job because of disease or injury)
and, as a result, fails to accumulate Accredited Service under the Pension Plan
for some period of time (Disability Service), a Disability Service Pension
Supplement will be calculated and paid as if Accredited Service and applicable
Preference Service were credited during such period subject to the following:

A.   The Participant must have retired with Retirement Income under the Pension
     Plan.

B.   The period of Disability Service begins when the Participant stops
     accumulating Accredited Service under the Pension Plan as a result of the
     Participant's total disability, provided that the Participant has not
     undertaken other employment.

C.   The period of Disability Service ends when the Participant first:

     1.  Begins again to accumulate Accredited Service under the Pension Plan,

     2.  Undertakes other employment,

     3.  Retires on an Early Retirement Date, or,

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     4.  Attains the Participant's Normal Retirement Date.

D.   The "Final Executive Pay" of the Participant, for purposes of determining
     the Disability Pension Supplement only, will be calculated as if the
     Participant were earning during the period of Disability Service the sum of
     (1) the Participant's last monthly rate of basic earnings prior to the
     period of Disability Service, and (2) 1/12th of the average of the
     Executive Incentive Compensation (if any) for the five years of Accredited
     Service while in an eligible salary grade immediately preceding the period
     of Disability Service (or the monthly average of Executive Incentive
     Compensation earned over the Participant's Accredited Service if the
     Participant has fewer than five years of Accredited Service while in an
     eligible salary grade), increased or decreased each July 1, following the
     beginning of the Participant's period of Disability Service, according to
     the change in the Bureau of Labor Statistics Consumer Price Index (CPI-W)
     for the preceding 12-month period of Disability Service (or lesser period
     of Disability Service, if applicable). However, no July 1 increase will
     exceed an amount which could result in an increase greater than a 5%
     compounded annual increase since the beginning of the Participant's period
     of Disability Service, nor in a reduction in the Participant's Final
     Executive Pay to an amount less than the Participant's Final Executive Pay
     prior to the period of Disability Service. For purposes of this provision,
     the Consumer Price Index for the second month previous to any measurement
     date will be deemed to be in effect on such date.

E.   The amount of the Disability Service Pension Supplement is the Supplemental
     Executive Retirement Income, calculated using Final Executive Pay as
     determined in Section V, subsection 9.D above, and giving credit for
     Accredited Service and applicable Preference Service for any period of
     Disability Service, less:

     1.  The Supplemental Executive Retirement Income calculated without regard
         to the Disability Service Pension Supplement,

     2.  The Retirement Income provided by the Pension Plan, and

     3.  Any amount paid to a retired Participant for lost benefits under the
         Pension Plan, for the period of Disability Service, under an insurance
         policy, the premiums for which were paid in whole or in part by CMS
         Energy Corporation or any subsidiaries which are at least 80% owned,
         directly or indirectly, by CMS Energy Corporation.

F.   Payments will begin as of the latter of:

     1.  The Participant's Normal Retirement Date.

     2.  The first day of the month following the cessation of any Long Term
         Disability payments pursuant to any plan or insurance policy, the
         premiums for which were paid in whole or in part by CMS Energy
         Corporation, or any of its directly or indirectly wholly owned
         subsidiaries.

                    SECTION VI. PROVISIONAL PAYEE OPTIONS AND
                     PRE-RETIREMENT SURVIVING SPOUSE BENEFIT

1. POST-RETIREMENT. The provisions of Section VI of the Pension Plan, pertaining
to Provisional Payee Options are adopted as part of this Supplemental Plan and
any option which is elected by or otherwise applicable to a Participant under
the Pension Plan will be identically applicable under the provisions of this
Supplemental Plan. A Participant may not have a Provisional Payee Option under
this Supplemental Plan which differs from such option or options elected by or
otherwise applicable to him under the Pension Plan except that a Participant who
has elected a Single Sum under the Pension Plan may name a Provisional Payee

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under this Supplemental Plan. Nevertheless, a Provisional Payee may elect, upon
the death of the Participant and the agreement of the SERP Retirement Board, to
then receive the present value of the amount of the payments to which he
otherwise would be entitled, as determined by the SERP Retirement Board using
such actuarial tables and interest assumptions as may be adopted for this
purpose by the SERP Retirement Board and in use at the time of the Participant's
death.

2. PRE-RETIREMENT SURVIVING SPOUSE BENEFIT. Provisions of Section VI, subsection
2 of the Pension Plan of Consumers Power Company pertaining to Pre-Retirement
Surviving Spouse Benefits are adopted as part of this Supplemental Plan.

                       SECTION VII. TERMINATION OF SERVICE

If a Participant included in the Supplemental Plan voluntarily terminates his
services other than by transfer to an affiliated or associated company as
provided by subsection 2 of Section III of this Supplemental Plan, retirement as
provided by Section IV of the Pension Plan, or in accordance with the terms of
an Employment Agreement effective following a Change in Control as defined in
Section XII, the Participant will forfeit all Supplemental Executive Retirement
Income except for any amount attributable to Earnings not permitted to be used
for benefit calculation under the Pension Plan by the Internal Revenue Code or
Regulations thereunder. Any such amount shall be calculated without Preference
Service. A Participant whose services are terminated for any reason other than
death prior to attaining five years of actual service after inclusion in this
Supplemental Plan shall not be eligible for Supplemental Executive Retirement
Income. If the Accrued Retirement Income is actuarially reduced because of
retirement at an Early Retirement Date, the Accrued Supplemental Executive
Retirement Income will be reduced by an identical percentage.

                            SECTION VIII. FORFEITURE

A Participant who is discharged by the Company for cause, or an employee who is
subsequently convicted of any felony committed while in the course of his
employment with the Company, which felony involved theft, malicious destruction
or misuse of the property of the Company or the embezzlement or misapplication
of the funds of the Company, or who makes an admission in writing of the
commission of such felony, shall be ineligible for and forfeit Supplemental
Executive Retirement Income.

                     SECTION IX. NON-ALIENATION OF BENEFITS

No benefit under the Supplemental Plan shall be subject in any manner to
anticipation, alienation, sale, transfer, assignment, pledge, encumbrance,
charge, renunciation, or reduction and any attempt so to anticipate, alienate,
sell, transfer, assign, pledge, encumber, charge, renounce, or reduce the same
shall be void, nor shall any such benefit be in any manner liable for or subject
to the debts, contracts, liabilities, engagements or torts of the person
entitled to such benefit.

If any Participant or retired Participant or any Provisional Payee under the
Supplemental Plan is adjudicated bankrupt or attempts to anticipate, alienate,
sell, transfer, assign, pledge, encumber, charge, renounce, or reduce any
benefit under the Supplemental Plan, except as specifically provided in the
Supplemental Plan, then such benefit shall cease and terminate and in that event
the SERP Retirement Board shall hold or apply the same or any part thereof to or
for the benefit of such Participant or retired Participant or Provisional Payee
in such manner as the SERP Retirement Board may think proper, provided the SERP
Retirement Board shall not act in any manner as would perpetuate the alienations
prohibited by this Section.

                         SECTION X. LIMITATION OF RIGHTS

Neither the establishment of this Supplemental Plan, nor any modification
thereto, nor the payment of any benefits, shall be construed as giving to any
Participant, other employee, or other person any legal or

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equitable rights against the Company, or any officer or employee thereof, or the
SERP Retirement Board, except as herein provided. Under no circumstances shall
the terms of employment of any employee be modified or in any way affected
hereby. Inclusion under the Supplemental Plan will not give any Participant or
any Provisional Payee any right to claim a Supplemental Executive Retirement
Income except to the extent such right is specifically fixed under the terms of
the Supplemental Plan. Subject to the provisions of this Supplemental Plan and
the Supplemental Executive Retirement Trust the Participant shall have no rights
greater than those of a general, unsecured creditor of the Company.

                 SECTION XI. ADMINISTRATION OF SUPPLEMENTAL PLAN

The general administration of this Supplemental Plan shall be placed in the SERP
Retirement Board provided for in this Supplemental Plan and the provisions of
Section XII of the Pension Plan will govern the administration of this
Supplemental Plan as far as applicable. The determination of the SERP Retirement
Board as to any question or matter arising under this Supplemental Plan shall be
conclusive and binding.

The claim procedure of this Supplemental Plan shall be the same as the claim
procedure provided in the Pension Plan.

                     SECTION XII. AMENDMENT, MODIFICATION OR
                      TERMINATION OF THE SUPPLEMENTAL PLAN

This Supplemental Plan may be amended, modified or terminated at any time by
action of the Board of Directors of the Company. Notwithstanding any other
provisions of this Supplemental Plan, in the event of a Change in Control (as
hereinafter defined), each Participant shall be fully vested in any benefit
accredited to the Participant as of the date of the Change in Control, and such
amount shall not be subject to further vesting requirements or to any forfeiture
provisions. These provisions with respect to Change in Control may not be
amended subsequent to such Change in Control without the written consent of a
majority in number of Participants. For purposes of this Supplemental Plan, a
Change in Control shall occur upon the occurrence of one or more of the
following:

        (i)    a Change in Control of the Corporation would be required to be
               reported in response to Item 1(a) of the Current Report on Form
               8-K, as in effect on the date hereof, pursuant to Sections 13 or
               15(d) of the Exchange Act, whether or not the Corporation is then
               subject to such reporting requirement;

        (ii)   any "person" or "group" within the meaning of Sections 13(d) and
               14(d)(2) of the Exchange Act becomes the "beneficial owner" as
               defined in Rule 13d-3 under the Exchange Act of more than 30% of
               the then outstanding voting securities of the Corporation;

        (iii)  during any period of twenty-four consecutive months (not
               including any period prior to the adoption of this Plan) Present
               Directors and/or New Directors cease for any reason to constitute
               a majority of the Board. For purposes of this subsection (iii),
               "Present Directors" shall mean individuals who at the beginning
               of such consecutive twenty-four month period were members of the
               Board and "New Directors" shall mean any director of the
               Corporation whose election by the Board or whose nomination for
               election by the Corporation's shareholders was approved by a vote
               of at least two-thirds of the Corporation's Directors then still
               in office who were Present Directors or New Directors;

        (iv)   there is a sale by the Corporation within a three-year period of
               assets of the Corporation with either a book value or market
               value of 50% or more of the assets of the Corporation;

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        (v)    a bidder as defined in Rule 14D-1(b) under the Exchange Act files
               a Tender Offer Statement with the Securities & Exchange
               Commission and the Corporation.

IN WITNESS WHEREOF, execution is hereby effected this 3rd day of December, 1999.

                                                 CMS ENERGY CORPORATION /
                                                 CONSUMERS ENERGY COMPANY

                                                  /s/ William T. McCormick, Jr.
                                                 ------------------------------
                                                     Chairman of the Board

ATTEST:

/s/ Thomas A. McNish
--------------------------------------
     Vice President and Secretary

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                                                                    EXHIBIT 10.5

                       COMMUNITY CENTRAL BANK CORPORATION

                      1999 STOCK OPTION PLAN FOR DIRECTORS

                          ---------------------------

                      As adopted by the Board of Directors
                                on March 2, 1999

                          ---------------------------

SECTION 1.        PURPOSE

                  The purpose of this Community Central Bank Corporation 1999
Stock Option Plan for Directors ("Plan") is to increase the proprietary interest
of the Directors in the success of Community Central Bank Corporation
("Corporation") and to enhance the Corporation's ability to retain and attract
experienced and knowledgeable directors.

SECTION 2.        DEFINITION OF SELECTED TERMS

                  In addition to the definitions of certain words and phrases
that are provided in various sections of this Plan, the following terms when
used herein shall have the meanings set forth below.

                  (a) "Affiliate(s)" shall mean those corporations a majority of
                  the outstanding voting capital stock of which is directly or
                  indirectly owned by the Corporation.

                  (b) "Annual Meeting" shall mean an annual meeting of the
                  shareholders of the Corporation at which one or more members
                  of the Board of Directors are elected, held in 2000, 2001,
                  2002 or 2003.

                  (c) "Board of Directors" shall mean the Board of Directors of
                  the Corporation.

                  (d) "Director(s)" shall mean (i) members of the Board of
                  Directors who are not employees of the Corporation or any
                  Affiliate, and (ii) the Chairman of the Board of Directors,
                  whether or not an employee of the Corporation or any
                  Affiliate.

                  (e) "Fair Market Value per Share" on a particular date shall
                  mean (i) if the common stock is quoted on the OTC Bulletin
                  Board (the "Bulletin Board"), the mean between the closing
                  high bid and low asked quotations for such day (or, in the
                  event that the common stock was not quoted on such day, the
                  most recent preceding business day on which the common

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                  stock was quoted) of the common stock on the Bulletin Board,
                  (ii) if the common stock is quoted on The Nasdaq Stock Market
                  ("Nasdaq"), the mean between the closing high bid and low
                  asked quotations for such day of the common stock on Nasdaq,
                  or (iii) if neither clause (i) nor (ii) is applicable, a value
                  determined by any fair and reasonable means prescribed by the
                  Board of Directors.

                  (f) "Internal Revenue Code" shall mean the Internal Revenue
                  Code of 1986, as amended.

                  (g) "Option" shall mean an option granted to a Director under
                  this Plan.

                  (h) "Optionee" means any person to whom any Option has been
                  granted or who becomes a holder of an Option under the
                  provisions of this Plan.

SECTION 3.        ADMINISTRATION

                  This Plan shall be administered by the Board of Directors. The
amount, nature, and timing of Options shall be automatic, as described in
Section 6, and not subject to the determination of the Board of Directors. The
Board of Directors may, subject to the provisions of this Plan, establish such
rules and regulations as it deems necessary or advisable for the proper
administration of this Plan, and may make determinations and may take such other
action in connection with or in relation to this Plan as it deems necessary or
advisable. Each determination or other action made or taken by the Board of
Directors pursuant to this Plan, including interpretations of this Plan, shall
be final and conclusive for all purposes and upon all persons, including, but
without limitation, the Corporation, its Affiliates, the affected Directors, and
their respective successors in interest.

SECTION 4.        STOCK SUBJECT TO THIS PLAN

                  The Stock to be issued under this Plan shall be shares of
common stock of the Corporation ("Stock"). The Stock shall be made available
from authorized but unissued shares (including shares acquired in the open
market). The total number of shares of Stock that may be issued under this Plan
pursuant to Options granted hereunder shall be 60,000. Such number of shares
shall be subject to adjustment in accordance with Section 10 hereof. Stock
subject to any unexercised portion of an Option which expires, is cancelled, or
is terminated for any reason, may again be subject to the grant of Options under
this Plan.

SECTION 5.        ELIGIBILITY

                  Each Director is eligible to participate in this Plan. Options
are automatically granted to Directors as provided for herein.

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SECTION 6.        GRANT AND EXERCISE OPTION

                  (a) Automatic Option Grants. As of April 21, 1999, each person
who is a Director on such date shall be granted one Option to purchase 4,000
shares of Stock. Persons who for the first time are appointed or elected to the
Board of Directors after April 21, 1999 will receive an Option for a number of
shares, the number of which will depend on which Annual Meeting is the first
Annual Meeting occurring concurrently with, or after he or she becomes a
Director, as set forth in the table below:

<TABLE>
<CAPTION>
                                                                        The Director's
                  If the Director's First                               Option will be for the
                  Annual Meeting is the:                                Following Number of Shares:
                  ----------------------                                ---------------------------
<S>                                                                     <C>
                  2000 Annual Meeting                                             4,000
                  2001 Annual Meeting                                             3,000
                  2002 Annual Meeting                                             2,000
                  2003 Annual Meeting                                             1,000
</TABLE>

                  (b) Schedule Under Which Options Become Fully Exercisable.
Each Option granted under the Plan on or before the date of the 2000 Annual
Meeting shall be exercisable for 1,000 shares of Stock as of the date of the
2000 Annual Meeting. Each such Option will become exercisable for an additional
1,000 shares of Stock as of the date of each successive Annual Meeting, until it
is exercisable in full. Each Option granted under the Plan after the date of the
2000 Annual Meeting shall be immediately exercisable for 1,000 shares of Stock,
unless it is granted within 60 days prior to an Annual Meeting, and shall be
exercisable for an additional 1,000 shares of Stock as of the date of each
successive Annual Meeting, until it is exercisable in full.

                  (c) Option Price. The Option price of each share of Stock
purchasable under an Option shall be the Fair Market Value per Share on the date
of grant.

                  (d) Option Agreement. Each Option granted under this Plan
shall be evidenced by a stock option agreement ("Stock Option Agreement") that
is duly executed on behalf of the Corporation and by the Director to whom the
Option is granted. Each Stock Option Agreement shall be subject to the terms and
conditions of this Plan and in such form, not inconsistent with this Plan, as
the Board of Directors shall from time to time approve. Appropriate officers of
the Corporation are hereby authorized to execute and deliver Stock Option
Agreements on behalf of the Corporation.

                  (e) Manner of Exercise. Any Option (subject to Section 6(b))
may be exercised from time to time, in whole, or in part in minimum installments
of 500 shares, by giving written notice to the Corporation, signed by the person
exercising the Option, stating the number of shares of Stock with respect to
which the Option is being exercised, accompanied by payment of the full
consideration for the shares as to which the Option is being exercised, in one
or a combination of the following alternative forms:

                                       3
<PAGE>   4

(i) cash, or (ii) shares of Stock already owned by the person exercising the
Option, valued at the Fair Market Value per Share of Stock on the date of
exercise.

                  (f) Expiration of Options. The unexercised portion of each
Option shall automatically and without notice expire and become null and void at
the time of the earliest to occur of the following:

                  (i)  the expiration of seven years from the date the Option
                  was granted;

                  (ii) the expiration of three months after the Optionee ceases
                  to be a Director, other than by reason of permanent disability
                  (as defined in Section 22(e)(3) of the Internal Revenue Code),
                  death, or for cause;

                  (iii) the expiration of one year following the death or
                  permanent disability (as defined in Section 22(e)(3) of the
                  Internal Revenue Code) of the Optionee; or

                  (iv) the termination of the Optionee's service as a Director,
                  if such termination is for cause (the Board of Directors shall
                  have the right to determine what constitutes cause, and such
                  determination shall be conclusive and binding for all
                  purposes).

                  (g) Options are Nonqualified. Each Option granted under this
Plan shall be a nonqualified stock option which does not qualify as an incentive
stock option within the meaning of Section 422 of the Internal Revenue Code.

SECTION 7.        NONTRANSFERABILITY OF OPTIONS

                  No Option shall be transferable otherwise than by will or by
the laws of descent and distribution or pursuant to a qualified domestic
relations order as defined by the Internal Revenue Code or Title I of the
Employee Retirement Income Security Act, or the rules thereunder. During the
lifetime of an Optionee, the Option shall be exercisable only by the Optionee
personally or by the Optionee's legal representative.

SECTION 8.        NO RIGHT TO CONTINUE AS DIRECTOR

                  Neither this Plan nor the granting of an Option, nor any other
action taken pursuant to this Plan shall constitute or be evidence of any
agreement or understanding, express or implied, that the Board of Directors will
nominate any Director for re-election, or that the Corporation will retain a
Director for any period of time, or at any particular rate of compensation.

SECTION 9.        RIGHTS AS A SHAREHOLDER

                                       4
<PAGE>   5

                  An Optionee or a transferee of an Option pursuant to Section 7
shall have no rights as a Shareholder with respect to any Stock that is the
subject of either an unexercised or exercised Option until the Optionee or such
transferee shall have become the holder of record of such Stock, and no
adjustments shall be made for dividends in cash or other property or other
distributions or rights in respect of such Stock for which the record date is
prior to the date on which the Optionee or such transferee shall have in fact
become the holder of record of the Stock acquired pursuant to the Option.

SECTION 10.       ADJUSTMENT IN THE NUMBER OF SHARES AND IN OPTION PRICE

                  In the event there is any change in the number of shares of
Stock through the declaration of stock dividends or stock splits or through
recapitalization or merger or consolidation or combination of shares or
otherwise, the Board of Directors shall make such adjustment, if any, as it may
deem appropriate in the number of shares of Stock available for Options as well
as the number of shares of Stock subject to any outstanding Options, the option
price thereof and any other terms it deems appropriate. Any such adjustment may
provide for the elimination of any fractional shares which might otherwise
become subject to any Option without payment therefor. The grant of Options
under this Plan shall not affect the right of the Corporation to adjust,
reclassify, reorganize or otherwise change its capital or business structure or
to merge, consolidate, dissolve, liquidate or sell or transfer all or any part
of its business or assets.

SECTION 11.       USE OF PROCEEDS

                  The cash proceeds received by the Corporation from the
issuance of shares pursuant to Options under this Plan shall be used for general
corporate purposes.

SECTION 12.       TAX WITHHOLDING

                  The delivery of any shares of Common Stock under the Plan
shall be for the account of the Company and any such delivery or distribution
shall not be made until the recipient shall have made satisfactory arrangements
for the payment of any applicable withholding taxes.

SECTION 13.       EFFECTIVE DATE AND TERM OF THIS PLAN

                  (a) This Plan shall become effective on April 21, 1999,
provided that the holders of a majority of all of the shares of the
Corporation's Stock issued and outstanding shall, by vote at a meeting of
shareholders duly called and held or by written consent, have approved this
Plan.

                  (b) Unless previously terminated in accordance with Section 14
of this Plan, this Plan shall terminate at the close of business on May 30,
2003, after which no

                                       5

<PAGE>   6

Options shall be granted under this Plan. Such termination shall not affect any
Options granted prior to such termination.

SECTION 14.       AMENDMENT, SUSPENSION OR TERMINATION OF THIS PLAN

                  The Board of Directors may, from time to time, terminate or
suspend this Plan, in whole or in part, or amend this Plan from time to time,
including the adoption of amendments deemed necessary or desirable to qualify
the Options under rules and regulations promulgated by the Securities and
Exchange Commission with respect to directors who are subject to the provisions
of Section 16 of the Securities Exchange Act of 1934 (the "Act"), or to correct
any defect or supply any omission or reconcile any inconsistency in this Plan or
in any Option granted hereunder, without the approval of the Shareholders of the
Corporation; except that no such action shall be taken which would: (i)
materially increase the benefits accruing to participants under this Plan,
materially increase the number of securities which may be issued under this Plan
(except as permitted in Section 10), or materially modify the eligibility
requirements for participation in this Plan, (ii) cause this Plan not to satisfy
the applicable requirements of Rule 16b-3 under the Act, or (iii) impair the
rights of any Optionee under any Option previously granted under this Plan
without the Optionee's consent. In no event shall any provision of this Plan
dealing with persons who are designated to receive grants or awards, the amount
or price of securities to be granted or awarded, or the timing, of grants or
awards, be amended more than once every six months, other than to comport with
changes in the Internal Revenue Code, the Employee Retirement Income Security
Act, or the rules thereunder.

SECTION 15.       LIMITATION ON ISSUE OR TRANSFER OF SHARES

                  Notwithstanding any provisions of this Plan or the terms of
any Option, the Corporation shall not be required to issue any shares of Stock,
or transfer on its books and records any shares of Stock if such issue or
transfer would, in the judgment of the Board of Directors or of counsel for the
Corporation, constitute a violation of any state or Federal law, or of the rules
or regulations of any governmental regulatory body, or any securities exchange
or automated dealer quotation system. An Optionee desiring to exercise an Option
may be required by the Corporation, as a condition of the effectiveness of any
exercise of an Option, to agree in writing that all securities to be acquired
pursuant to such exercise shall be held for his or her account without a view to
any further distribution thereof, that the certificates for such shares shall
bear an appropriate legend to that effect, and that such shares will not be
transferred or disposed of except in compliance with applicable federal and
state securities laws.

SECTION 16.       CHANGE IN CONTROL

                  (a) In the case of a Change in Control (as defined below) of
the Corporation, unless the Board of Directors determines otherwise, each Option
then outstanding shall become exercisable in full immediately prior to such
Change in Control.

                                       6

<PAGE>   7

                  (b) Any determination by the Board of Directors made pursuant
to this Section may be made as to all outstanding Options or only as to certain
Options specified by the Board of Directors and any such determinations shall be
made in cases covered by subparagraphs 16(c)(i) and (ii) below prior to or as
soon as practicable after the occurrence of such event and in the cases covered
by subparagraphs 16(c)(iii) or (iv) prior to the occurrence of such event.

                  (c) A Change in Control shall occur if:

                     (i) Any "person" or "group of persons" as such terms are
defined in Section 13(d) and 14(c) of the Act directly or indirectly purchases
or otherwise becomes the "beneficial owner" (as defined in the Act) or has the
right to acquire such beneficial ownership (whether or not such right is
exercised immediately, with the passage of time or subject to any condition) of
voting securities representing forty percent (40%) or more of the combined
voting power of all outstanding voting securities of the Corporation,

                     (ii) During any period of two consecutive years the
individuals who at the beginning of such period constitute the Board of
Directors cease for any reason to constitute at least the majority of the
members thereof unless (1) there are five or more directors then still in office
who were directors at the beginning of the period and (2) the election or the
nomination for election by the Corporation's shareholders of each new director
was approved by at least two-thirds (2/3) of the directors then still in office
who were directors at the beginning of the period,

                     (iii) The shareholders of the Corporation shall approve an
agreement to merge or consolidate the Corporation with or into another
corporation as a result of which less than fifty percent (50%) of the
outstanding voting securities of the surviving or resulting entity are or are to
be owned by the former shareholders of the Corporation (excluding from former
shareholders a shareholder who is or as a result of the transaction in question,
becomes an "affiliate" as defined in Rule 12b-2 under the Act of any party to
such consolidation or merger), or

                     (iv) The shareholders of the Corporation shall approve the
sale of all or substantially all of the Corporation's business and/or assets to
a person or entity that is not a wholly-owned subsidiary of the Corporation.

SECTION 17.       NO SEGREGATION OF CASH OR SHARES

                  The Corporation shall not be required to segregate any shares
of Stock that may at any time be represented by Options, and the Plan shall
constitute an "unfunded" plan of the Corporation. No Director shall have rights
with respect to shares of Stock prior to the delivery of such shares. The
Corporation shall not, by any provisions of the Plan, be deemed to be a trustee
of any Stock or any other properties and the liabilities of the Corporation to
any Director pursuant to the Plan shall be those

                                       8

<PAGE>   8

of a debtor pursuant to such contract obligations as are created by or pursuant
to the Plan, and the rights of any Director, former Director or beneficiary
under the Plan shall be limited to those of a general creditor of the
Corporation.

SECTION 18.       DELIVERY OF SHARES

                  No shares shall be delivered pursuant to any exercise of an
Option under the Plan unless the requirements of such laws and regulations as
may be deemed by the Board of Directors to be applicable thereto are satisfied.
All certificates for shares of Stock delivered under the Plan shall be subject
to such stock-transfer orders and other restrictions as the Board of Directors
may deem advisable under the rules, regulations, and other requirements of the
Securities and Exchange Commission, any stock exchange upon which the Stock is
then listed, and any applicable Federal or state securities law, and the
committee may cause a legend or legends to be put on any such certificates to
make appropriate reference to such restrictions.

SECTION 19.       GOVERNING LAW

                  This Plan and all determinations made and actions taken
pursuant thereto shall be governed by the laws of the State of Michigan and
construed in accordance therewith.

SECTION 20.       SEVERABILITY

                  If any provision of the Plan, or any term or condition of any
Option granted thereunder, is invalid, such provision, term, condition or
application shall to that extent be void (or, in the discretion of the Board of
Directors, such provision, term or condition may be amended so as to avoid such
invalidity or failure), and shall not affect other provisions, terms or
conditions or applications thereof, and to this extent such provisions, terms
and conditions are severable.

                                       8

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