Joan A. Budden - 14 Nov 2025 Form 4 Insider Report for INDEPENDENT BANK CORP /MI/ (IBCP)

Role: Director
Signature: s/Darcy J. Benjamin, Attorney-in-Fact
Issuer symbol: IBCP
Transactions as of: 14 Nov 2025
Net transactions value: +$9,037
Form type: 4
Filing time: 05 Jan 2026, 11:23:34 UTC
Previous filing: 03 Nov 2025
Next filing: 03 Feb 2026
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Budden Joan A	Director	4200 E BELTLINE, GRAND RAPIDS	s/Darcy J. Benjamin, Attorney-in-Fact	05 Jan 2026	0001649667

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
holding	IBCP	Common Stock						6,275	14 Nov 2025	Direct	F1
holding	IBCP	Common Stock						810	14 Nov 2025	By IRA

Derivative Securities (e.g., puts, calls, warrants, options, convertible securities)

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Underlying Class	Amount	Exercise Price	Ownership	Footnotes
transaction	IBCP	Phantom Stock Units	Award	$9,037	+290	+0.83%	$31.18	35,045	14 Nov 2025	Common Stock	290		Direct	F2

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	Includes 16.6288 shares acquired through dividend reinvestment program (DRIP) during the fourth quarter.
F2	The Phantom Stock Units were accrued for under the Independent Bank Corporation Deferred Compensation and Stock Purchase Plan for Non Employee Directors and are to be settled in the Issuer's Common Stock upon the reporting person's retirement as a director.