Go to the SEC Web site (http://www.sec.gov).

Under “Filings & Forms (EDGAR),” click on

“Search for Company Filings.” Click on

“Companies & Other Filers.” Under Company Name, enter “Independent Bank Corp” (or under Ticker Symbol, enter “INDB”). Select the 10-K filed February 28, 2007.

a. Copy the first sentence in the “Market Area and Competition” subsection from the “Item 1. Business” section.

b. Comment on the trend found in “Table 5—

Summary of Delinquency Information” and

“Table 6—Nonperforming Assets” from the

“Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operation” section.